Checking Accounts


Q: I received a check in the mail that I was not expecting. How do I know if it is a good check?
A: Fraudulent checks can cause serious problems. Scammers use them to obtain sensitive information and steal money. They may ask you to deposit the check and send a portion of the funds back to them. If you receive a check from an unknown source, do not cash or deposit it. Contact local authorities if you feel threatened or know it is a fraud. Remember, if the check is fake and you spend the money, you will be held responsible for paying the bank back.

Q: I mailed a check that wasn’t received. Can I stop that check?
A: Yes, a lost check can be stopped by contacting any Flanagan State Bank branch either by phone or in person. You will need to provide the following information: the check number, date written, amount of the check, who the check is payable to, who signed the check, and the check number if there will be a replacement check. A Stop Payment by phone only is in effect for 14 days. A signed Stop Payment form is in effect for 6 months. The fee for a Stop Payment is $24.00.

Q: Will I receive a monthly statement if my account is at a $0.00 balance?
A: Yes, a statement will be still issued even if a card has a $0.00 balance in any given month.

Q: I lost my card, but I think it may only be temporary. I would like time to find it, but I want to make sure no charges are made without my knowledge. How do I protect my account?
A: You can download our “Card Valet” wallet app on your app store, which allows you to turn off your card if it is lost or stolen, or if you won’t be using it for a certain period of time.

Q: I lost my card/my card’s been stolen. What should I do to prevent fraud? How can I order a new card?
A: To prevent fraud in case of a lost or stolen card, you can take advantage of our “Card Valet” app, which lets you turn off your card or set usage limits. If you need to report a lost or stolen card, simply call 1-855-445-1036 and select “Option 1”. To request a new card, you can email or speak to one of our retail bankers who will be happy to assist you.

Q: I will be travelling internationally outside of the United States. Can I use my card while I travel? Is there an exchange fee for using my card outside of the U.S.?
A: There is no fee for Point-of-Sale purchases made outside of the United States.