Credit Cards


Q: How do I apply for a credit card?
A: Click HERE or visit any of our locations!

Q: When are the credit card payments due?
A: The 25th of each month.

Q: How do I enroll in the rewards program?
A: You can visit to register via the “New to uChoose Rewards” link. Follow the prompts to create your own User ID and password.  OR the  uChoose  Reward  link  can  also  be  found  on  FSB’s  website on the Credit Card page. You can view that page by clicking HERE.

Q: I just opened my card last month. When can I start redeeming my points?
A: You can start redeeming your points once you have accumulated a minimum of 1,500 points. Please note that it may take up to 60 days for points to be credited to your account. Once you have met the minimum threshold, you can redeem your points for merchandise, travel experiences, event tickets, gift cards, and even cash back – whatever suits your preferences in uChoose! To check how many points you have available for redemption, simply look for the “Total Points Available for Redemption” on the Point Details page.

Q: If customers have joint ownership of a credit card account, will they have the same card numbers or different card numbers?
A: Unlike the debit cards we provide for our checking accounts when customers have joint ownership of a credit card account, their cards will have the SAME imprinted numbers.

Q: Can auto-payments be set up from internal FSB accounts to make monthly credit card payments?
A: Yes, automatic payments can be set up by the customer through the credit card online management system portal.

Q: Will I be able to see my new credit card listed with my other accounts in Flanagan State Bank’s online banking?
A: Yes, your card will be shown with your other FSB accounts in online banking when it is accessed through a browser. Mobile app viewing is not currently enabled. When  you  click  on  your credit card account  number, you will be asked to answer security questions and will then be redirected to the FSB  Credit  Card  Portal,

Q: Who do I call if I have questions about my card outside of your regular bank branch hours?
A: The 24/7, round-the-clock phone number for Credit Card Customer Service is 1-855-445-1036.

Q: Is my credit card monitored for fraud?
A: Yes, our credit cards are monitored by fraud services. Customers will receive a phone call, if fraud is suspected on their account.

Q: What should I do if I notice an unauthorized or suspicious transaction on my card?
A: If you notice an unauthorized or suspicious transaction on your card, there are several actions you can take. Visit your local Flanagan State Bank branch, and a retail banker can print out a transaction history for you to inspect. You can also file a claim online by going to the “Help Center” on the card management portal and clicking “Dispute a Transaction.” Alternatively, you can call Credit Card Customer Service at 1-855-445-1036 and select “Option 2” to speak with a representative about the transaction(s) in question.