Frequently Asked Questions [FAQs]

1. What is Early Direct Deposit? 

Our Early Direct Deposit service releases your paycheck and any other ACH credit into your account as soon as it is received by Farm Bureau Bank which means you can get your funds up to 2 days early. 

2. Is there a fee or an additional cost for the Early Direct Deposit service? 

No. Our Early Direct Deposit service is a free, automatic feature for Farm Bureau Bank deposit accounts. 

3. How do I set up direct deposit for my FBB account? 

You can enroll in direct deposit through your payer's payroll system or by using our Direct Deposit Form. 

4. Will my direct deposit always arrive two days early? 

It depends. When you get your deposit will depend on when we receive the electronic file from the payer. This means that you may get your credits 2 days earlier, 1 day earlier, or on your regularly scheduled payday. Once we receive the file, your funds will be posted to your account. 
 

Check deposits can be made either by mail or using your mobile device with the FBBmobile app. You may also transfer funds to your account electronically from another bank (via ACH or wire transfer) or directly deposit your paycheck (contact your employer for more info).

Mail Deposits

To make a deposit by mail, send the check and deposit slip to:

• Farm Bureau Bank
  PO Box 33427
  San Antonio, TX 78265-3427

Make sure all checks are properly endorsed and include your account number on the back of the check under your endorsement.

Mobile Deposits

To make a mobile deposit:

1. Sign the back of the check and include the following above or below your endorsement:

   • For mobile deposit at Farm Bureau Bank

2. Log in to FBBmobile on your mobile device.
   • Go to Menu.
   • Go to Transactions.
   • Go to Deposit Check.
   • Select the Account.
   • Enter the amount.
   • Click Save.
3. Capture front and back image of the check with your phone's camera.
4. Submit deposit.

• You may contact us by phone, mail, email, or fax to request checks.
• You can also re-order checks online by visiting https://ordermychecks.com and entering our routing number, your account number, and zip code.

E-Option is a paperless statement option for checking and Money Market Accounts [MMAs]. It may earn a higher rate than a non E-Option account. If you select E-Option, you will not receive a paper statement. You will view your monthly statements electronically by logging into online banking.

To elect E-Option, please contact us at 800.492.3276, Monday – Friday from 7am – 7pm CT or email us at [email protected].

There are two options for Overdraft protection for your Farm Bureau Bank deposit account. One is through your Money Market Account [MMA] and the other is through your Farm Bureau Bank credit card account.

There is no service fee for having overdraft protection. If you do overdraw your account and you have selected your credit card as overdraft protection, we will transfer in increments of $100.00 to your checking account to cover any incoming items. There will be a cash advance fee charged to your credit card if it is utilized for overdraft protection. This will enable you to avoid any overdraft fees for incoming items covered by your Farm Bureau Bank credit card up to your credit limit.

If you set up your MMA for overdraft protection, the six (6) withdrawals a month restriction still applies. We transfer from your MMA only the amount required to cover your negative account balance.

• You may apply for overdraft protection using secure messaging (within online banking), by email, or by phone.
• You may also apply on a new account application.

Farm Bureau Bank currently offers a HSA checking account, Money Market Account [MMA], and Certificate of Deposit [CD]. If you open an HSA CD, you must retain a least $2,000 in your Farm Bureau Bank HSA Checking or HSA MMA. Current CD rates and terms apply.

Farm Bureau Bank offers our customers the opportunity of choosing the account type that meets their individual needs:

• HSA Checking provides an interest-bearing account with unlimited check writing and debit card access. HSA checking offers complete flexibility in paying your qualified health care expenses without the worry of withdrawal limitations.
• HSA MMA provides the highest rate of return on your contributions. Standard withdrawal limitations apply: Six (6) withdrawals per month. See account disclosures for full explanation of transaction limitations.
• HSA CDs allow accountholders to invest a portion of their HSA balance in a fixed-rate CD. This will allow accountholders access to a portion of their account, through HSA checking or HSA MMA, while earning higher interest on the CD portion of their balance. CD rates and terms apply.

Deposits can be made by mail, direct deposit, wire transfer, electronically via ACH, or you can utilize Farm Bureau Bank's online banking platform to initiate transfers from another account (including non-Farm Bureau Bank accounts).

Farm Bureau Bank will furnish the tax forms 1099-SA and 5498-SA. The 1099-SA reports distributions and is sent out in January. The 5498-SA reports contributions and is sent out in May of each year.

You can utilize all of the features and functions of Farm Bureau Bank's online banking platform to manage your HSA. This includes:

• Track transaction activity – Review monthly statements and check images, including detailed descriptions of electronic transactions.
• Pay medical expenses – using the online bill payment service.
• Make contributions - Automate and self generate transfers from non-Farm Bureau Bank accounts.

You may contact us by phone, mail, email, or fax to request an additional debit card or order more checks on your HSA account.

Farm Bureau Bank charges a monthly administration fee on HSA checking and HSA MMA due to the IRS reporting requirements and additional maintenance of these accounts. However, in most cases, your HSA can be exempt from the fee by maintaining a minimum balance in the account. See account disclosures for more details.

For a full description of HSAs please refer to IRS Publication 969.

You will need to contact us detailing the issue and we will work within the federal guidelines to find a solution that meets your needs. Please notify us as soon as you become aware of the issue.

You can complete and send us the Authorization to Add/Remove Joint Owner or Additional Signer form or and fax it to us at 866.913.5087 or mail it to us at:

• Farm Bureau Bank
  17300 Henderson Pass
  San Antonio, TX 78232

We offer the same great service both customers and employers such as HSA Checking, HSA MMA, and HSA CDs.

Deposits can be made by mail, direct deposit, electronically via ACH, by wire transfer, or you can utilize our Cash Management System.

Employers have the potential to save money on health insurance premiums by switching to a high-deductible health plan in conjunction with an HSA. In addition, contributions to your employees' HSAs could possibly feature tax benefits for your company.

You can pay the fee upfront or include it as part of your contribution. The deduction is considered a qualified expense.

Check deposits can be made either by mail or using your mobile device with the FBBmobile app. You may also transfer funds to your account electronically from another bank (via ACH or wire transfer) or directly deposit your paycheck (contact your employer for more info).

Mail Deposits

To make a deposit by mail, send the check and deposit slip to:

• Farm Bureau Bank
  PO Box 33427
  San Antonio, TX 78265-3427

Make sure all checks are properly endorsed and include your account number on the back of the check under your endorsement.

Mobile Deposits

To make a mobile deposit:

1. Sign the back of the check and include the following above or below your endorsement:

   • For mobile deposit at Farm Bureau Bank

2. Log in to FBBmobile on your mobile device.
   • Go to Menu.
   • Go to Transactions.
   • Go to Deposit Check.
   • Select the Account.
   • Enter the amount.
   • Click Save.
3. Capture front and back image of the check with your phone's camera.
4. Submit deposit.

Remote Deposit Capture [RDC] is a solution that allows you to easily submit checks to the bank for deposit with the use of a desktop check scanner. An extended deadline to make your deposits and improved availability of funds means improving cash flow and working capital for your business or organization.

If you are interested in learning more about using this business service, contact our Relationship Banking department at 800.988.4419.

To find out more about opening a business account or adding additional business products and services, contact our Relationship Banking department at 800.988.4419.

Credit card statements can be viewed through online banking.

1. Click on the Login button on our website, then select Online Banking from the drop-down list.
2. Login using your Login ID and Password.
3. Click on your credit card account tile on the homepage.

To view statements:

• Under Account Info tab, select the eStatements link.

• You will be able to access a PDF version of your statements by clicking on the desired billing cycle date.^vi

Credit card transaction history can be viewed through online banking.

1. Click on the Login button on our website, then select Online Banking from the drop-down list.
2. Login using your Login ID and Password.
3. Click on the credit card account tile on the homepage.  

To view your transaction history:

• Your recent transactions are posted on the credit card center's main page.
• If you do not see a transaction on the main page or wish to search for a specific transaction, hover over the Account Info tab and select the Account Activity link.
• You will be able to view your posted transactions and easily search by date range and/or filter your history by category and/or price range.

You may pay your Farm Bureau^® Rewards MasterCard^® online (using your checking or savings account), through the mail, or by phone.

Online (primary/preferred method)

1. To pay your credit card online, click on the Login button on our website, then select Online Banking from the drop-down list.
2. Login using your Login ID and Password.
3. Click on the credit card account tile on the homepage.  

To make a payment:

• Click on the red Make Payment button under the section Current Payment Due or from the top menu bar go to Payments then select Make a Payment.
• If you have not already done so, you may be prompted to Add a Payment Account.
• Select the desired account from the Payment Account drop-down (or click Add Payment Account to add a new account).
• Select the Payment Account and Payment Date, then click Continue.
• Verify the payment details, then click Confirm to submit the payment.
• You will be given a reference number to retain for your records that confirms the transaction has been completed.

By Mail

To pay your credit card by mail, send the check and the remittance portion of your statement to:

• Farm Bureau Bank Consumer Card Services
  PO Box 37035
  Boone, IA 50037-0035

By Phone

To pay your credit card by phone:

• Call 800.492.3276 or 866.644.2535.

Yes! You may set up recurring payments on your account through online banking.

1. Click on the Login button on our website, then select Online Banking from the drop-down list.
2. Login using your Login ID and Password.
3. Click on the credit card account tile on the homepage.  

To make a recurring payment:

• From the top menu bar go to Payments then select Automatic Payments.
• Select the desired Automatic Payment Type, Payment Account Info, and Payment Amount, then click Submit.

Disputes may be submitted either online or by phone.

Online

1. Click on the Login button on our website, then select Online Banking from the drop-down list.
2. Login using your Login ID and Password.
3. Click on the credit card account tile on the homepage.  

To dispute a transaction:

• From the top menu bar, go to Account Services then select Dispute Transactions.
• Click the View Transaction button.
• You may select a specific billing cycle from the drop-down menu.
• Place a check mark next to the transaction(s) and click Submit.

By Phone

To submit a credit card dispute by phone:

• You may contact Farm Bureau Bank by calling 866.644.2535.

1. Click on the Login button on our website, then select Online Banking from the drop-down list.
2. Login using your Login ID and Password.
3. Click on the credit card account tile on the homepage.  

To redeem credit card points:

• Click the Browse Rewards button under the section Rewards Balance.
• Browse for rewards and follow the on-screen instructions to redeem your rewards points.

For more information on Farm Bureau Member Rewards, call 800.221.4748.

Some merchants may require the use of a PIN as an added identification feature.

There are two ways to setup a PIN:

• Call 888.891.2435 and follow the automated system. This method allows you to select a custom, personalized PIN that is ready for immediate use.
• You may also contact a Farm Bureau Bank customer care representative by calling 866.644.2535 and request a randomly produced PIN via mail which will arrive within 7 – 10 business days.

Call 866.644.2535 and speak with a Farm Bureau Bank customer care representative.

If you have a credit card with flat numbers, you have received a MasterCard^® unembossed, chip-enabled card. The flat numbers serve as another security feature to help manage risk. If you have questions regarding your MasterCard^® unembossed card, call 866.644.2535 to speak to a Farm Bureau Bank customer care representative.

You may pay your Premier Business or corporate Visa^® online (using your checking or savings account), through the mail, or by phone.

Online (primary/preferred method)

1. Click on the Login button on our website, then select Business Credit Cards from the drop-down list.
2. Logon using your Username and Password.

To make a payment:

• Click on the red Make Payment button under the section Current Payment Due or from the top menu bar go to Payments then select Make a Payment.
• If you have not already done so, you may be prompted to Add a Payment Account.
• Select the desired account from the Payment Account drop-down (or click Add Payment Account to add a new account).
• Select the Payment Account and Payment Date, then click Continue.
• Verify the payment details, then click Confirm to submit the payment.
• You will be given a reference number to retain for your records that confirms the transaction has been completed.

By Mail

To pay your business credit card by mail, send the check and the remittance portion of your statement to:

• Farm Bureau Bank
  Business Card Services
  PO Box 37035
  Boone, IA 50037-003

By Phone

To pay your business credit card by phone:

• Call 800.492.3276 or 800.748.6938.

Yes; subaccounts can make payments. Payments will apply directly to the subaccount and roll up to the control account. 

Yes. Payments made within a statement cycle will open up the credit line according to the dollar amount of the payment posted.

1. To view your credit card statements online, click on the Login button on our website, then select Business Credit Cards from the drop-down list.
2. Logon using your Username and Password.

To access your eStatements:

• Under Account Info tab, select the eStatements link.
• You will be able to access a PDF version of your statements by clicking on the desired billing cycle date.^vi

1. To view your credit card transaction history online, click on the Login button on our website, then select Business Credit Cards from the drop-down list.
2. Logon using your Username and Password.

To view your transaction history:

• Your recent transactions are posted on the credit card center's main page.
• If you do not see a transaction on the main page or wish to search for a specific transaction, hover over the Account Info tab and select the Account Activity link.
• You will be able to view your posted transactions and easily search by date range and/or filter your history by category and/or price range.

Yes!

1. To set up recurring payments on your account, click on the Login button on our website, then select Business Credit Cards from the drop-down list.
2. Logon using your Username and Password.

To make a recurring payment:

• From the top menu bar go to Payments then select Automatic Payments.
• Select the desired Automatic Payment Type, Payment Account Info, and Payment Amount, then click Submit.

Disputes may be submitted either online or by phone.

Online

1. To submit a credit card dispute online, click on the Login button on our website, then select Business Credit Cards from the drop-down list.
2. Logon using your Username and Password.

To dispute a transaction:

• From the top menu bar, go to Account Services then select Dispute Transactions.
• Click the View Transaction button.
• You may select a specific billing cycle from the drop-down menu.
• Place a check mark next to the transaction(s) and click Submit.

By Phone

To submit a credit card dispute by phone:

• You may contact Farm Bureau Bank by calling 800.748.6938.

Premier Business Visa^®

1. To redeem your Premier Card Rewards points online, click on the Login button on our website, then select Business Credit Cards from the drop-down list.
2. Logon using your Username and Password.

To redeem credit card points:

• Click the Browse Rewards button under the section Rewards Balance.
• Browse for rewards and follow the on-screen instructions to redeem your rewards points.

For additional information on Premier Card Rewards, call 866.214.6764.

Corporate Visa^® Card

For corporate card holders, cash-back rewards are automatically deposited into your Farm Bureau Bank business checking account.

Some merchants may require the use of a PIN as an added identification feature. There are two ways to setup a PIN code:

• Call 888.891.2435 and follow the automated system. This method allows you to select a custom, personalized PIN ready for immediate use.
• You may also contact a Farm Bureau Bank customer care representative by calling 866.644.2535 and request a randomly produced PIN via mail which will arrive within 7-10 business days.

Call 800.748.6938 and speak with a Farm Bureau Bank customer care representative.

Getting in touch with you quickly is critical to stopping any potential card fraud. With our Card Alert Notification service, you will receive a text messageⁱ asking you to confirm if a suspicious transaction was authorized by you.

• The text message will arrive from a 5-digit code [33748] and contain our financial institution name, dollar amount of the transaction, and merchant name.
• You will be asked to reply with "YES" if you authorized the transaction. You will receive a confirmation text message and can continue to use your card with confidence.
• A "NO" reply means you have not authorized the transaction. You will receive a confirmation text message and you will be contacted immediately by a fraud specialist to protect your account. Please answer this important call. Do not reply to the text message with any personal or confidential card information.
  • A "NO" response will block the card to prevent additional fraud.
• If you would like to opt out of receiving these important messages by text, you may reply with "STOP" to indicate this preference.
• For more details about Farm Bureau Bank's debit card alert notifications, contact us at 800.492.3276 or send an email to [email protected].

Call 800.492.3276 and speak with a Farm Bureau Bank customer care representative.

Your Visa^® debit card will have an extra layer of security when you use it to make online purchases. You are automatically protected, there is no need to enroll for this protection. This freeⁱ security feature confirms your identity with a one-time passcode during certain online transactions, following the detection of suspicious activity. The one-time passcode will be sent to you via SMS text message, if we have a mobile phone number on file.

You may pay your loan payment through online banking (using your checking or savings account), through the mail, or by phone.

Online (primary/preferred method)

1. Click on the Login button on our website, then select Online Banking from the drop-down list.
2. Login using your Login ID and Password.
3. Click on the loan account tile from the homepage.
4. Select the option for Make Payment.
5. Follow the on-screen instructions to process your payment.

By Phone

To pay your loan by phone (fees may apply):

• Call 800.492.3276
  
  Phone payment FAQs

By Mail

To pay your loan by mail, send the check and the payment coupon to:

• Farm Bureau Bank
  Attn: Payment Processing
  PO Box 33427
  San Antonio, TX 78265-3427

Yes; setting up to pay your recurring loan payments electronically is a safe and convenient process.

1. Click on the Login button on our website, then select Online Banking from the drop-down list.
2. Login using your Login ID and Password.
3. Click on the loan account tile from the homepage.
4. Select the option for Set up Automatic Payments.
5. Select Method of Payment.
6. Fill in the information to process your payment.
7. Click Next.
8. Review the information and click Submit.

You may update your payment account through online banking.

1. Click on the Login button on our website, then select Online Banking from the drop-down list.
2. Login using your Login ID and Password.
3. Click on the loan account tile from the homepage.
4. Select the option for Set Up Automatic Payments.
5. Click Edit Stored Payment Methods.
6. Delete the Account.
7. Click Submit.
8. Go back to Set Up Automatic Payments.
9. Select Method of Payment.
10. Fill in the information to process your payment.
11. Click Next.
12. Review the information and click Submit.

Yes; free up some money for what you need most today. Request your Skip-a-Pay now!^vi

1. Click on the Login button on our website, then select Online Banking from the drop-down list.
2. Login using your Login ID and Password.
3. Click on the loan account tile from the homepage.
4. Click on Skip Payment.
5. Enter the account to process the Skip-a-Pay fee.
6. Click Submit Skip-a-Pay.

Simply dial our main line at 800.492.3276 and listen for the options to make a real-time payment through the Automated Loan Payments feature.  With this option, you never have to wait on hold or speak to a representative.

This free and convenient option is available for all personal and business loans.

No. This payment option is 100% free. 

Accounts can be looked up in two ways:  Using your loan number or the last 4 digits of the primary borrower's social security number [SSN].  If the loan is under a business name, please use the business's Tax ID [TIN] plus the primary ZIP code on file. 

Yes; you can call in from any touch-tone telephone. 

This is a 24/7 option where you can make payments and receive other information about your loan. 

You will be presented during the session with an option to save your payment information for future use. 

Yes. You can make extra principal payments on your loan.

You can make a payment through the Automated Loan Payments feature when your loan is up to 40 days past due.  After 40 days, you must call our main line at 800.388.5633 and select the installment loan option to speak to a Member Support Representative. 

Yes.  You will need to have their information to access the loan via the Automated Loan Payments system. 

You can obtain your balance and the next payment due. 

Yes!  Confirmation is provided over the phone and via SMS text (if selected). 

You may select from English or Spanish. 

Yes.  You can make additional payments and principal payments through Online Banking, by mail, or over the phone (fees may apply). 

Yes.  Payments made via the Automated Loan Payments System are limited to one (1) per day.  If you wish to make additional payments, you can schedule or make those payments through Online Banking, by mail, or over the phone (fees may apply). 

You can make a single payment of any amount, up to your payoff. 

No; you must call FBB at 800.492.3276 during normal business hours to cancel an automated phone payment. Cancellation requests must be made by 2 pm CT on the day the payment was submitted or the next business day if submitted after 4 pm CT. 

All titles should include the following lienholder information:

• Farm Bureau Bank
  PO Box 33427
  San Antonio, TX 78265

Either the primary borrower or co-borrower must be listed on the title. No individuals may be listed on the title unless they have signed the Security Agreement.  If we receive a title that includes additional names, we will require non-borrowers to sign a Security Agreement.  Trusts cannot be listed on titles.

Any individual having an ownership interest in the vehicle must sign our Security Agreement acknowledging the vehicle will be used to secure the loan.

No; at least one individual must be listed on the title.

Your state’s titling authority will send paper and electronic titles directly to the bank once we are added as the lienholder. In title holding states the title is not sent to the bank. In these situations, either documentation stating Farm Bureau Bank is listed as lienholder is provided or you may be asked to provide a copy of the title showing Farm Bureau Bank as the lienholder.

For states in the list below, paper titles are either mailed to the member or issued electronically only. A Notice of Lien, Lien Filing receipt, copy of the perfected title, or other lien notification is forwarded to FBB.

• Arizona
• Florida
• Kansas
• Kentucky
• Maryland
• Michigan
• Minnesota
• Missouri
• Montana
• New York
• Oklahoma
• South Dakota

Please refer to our titling requirements below and follow the instructions as outlined below.

Each state is different, please contact your state titling office for instructions. Please complete this as soon as possible, as the timeframe varies by state.

The following states currently issue electronic titles.  Each participating state assigns Farm Bureau Bank a unique Electronic Lien and Title ID [ELT ID], which are listed below.  Please provide the appropriate lienholder ELT ID to the dealership (if applicable) or to your state’s titling agency (for private party purchases). 

• State ELT IDs and information may be found below.

If your state is not listed above, please provide the name and address for Farm Bureau Bank to the dealership (if applicable) or to your state’s titling agency.

• NON-ELT LIENHOLDER INFORMATION
  Farm Bureau Bank
  PO Box 33427
  San Antonio, TX 78265

NOTE: Your state titling agency is the best source of information regarding specialty or unique titling needs.  Again, congratulations on your new purchase, and we appreciate the trust you have placed in us here at YOUR Bank.

Farm Bureau Bank requires members to handle the titling process in order to provide the benefits of registering their vehicles and avoiding penalty fees from the state titling agency.

Typically, dealers are required to record Farm Bureau Bank as lienholder on the vehicle being purchased. For private party purchases it is the responsibility of the member (or buyer) to contact their state titling agency for more information on all documents and fees necessary to title the vehicle.

Please refer to How do I add the Farm Bureau Bank as a lienholder on the title? for detailed information.

The bank processes all titles within five (5) business days of being paid in full. If your loan is paid in full with a personal check or via ACH it will be released after 10 business days. If your title is electronic, it may take longer as it is your state’s responsibility to release your title after receiving notification from the bank. The timing for receiving titles varies by state.

If you plan to finance your new vehicle with us, the dealer will send payoff for the vehicle you are trading, and the bank will send the remaining balance to the dealer to apply towards your purchase. We will release the lien of the traded vehicle and send separately, in most cases to the dealer.

If you do not plan to finance your new vehicle will us, the payoff from the dealer will be applied to the vehicle you are trading in. Farm Bureau Bank will then release the lien after 10 business days of the traded vehicle and send separately, in most cases to the dealer.

Specialty type vehicles (i.e., ATVs, UTVs, snowmobiles, jet skis, certain boats, boat trailers & boat motors, etc.) that do not issue titles will require a Uniform Commercial Code [UCC] filing to secure our interest as lienholder. Please visit your state’s website or titling agency for complete instructions.

There is a $100.00 fee for expedited services. If you pay by wire and your title is not an ELT (electronic) we can release the title in three (3) business days and mail it overnight. If the loan is paid by ACH or by check, we will release the title in 10 business days and mail it overnight.

Please contact us at 800.492.3276, between the hours of 7am – 7pm CT, Monday – Friday with additional questions or for account-specific inquiries.

1. Click on the Login button on our website, then select Online Banking from the drop-down list.
2. Click on the New User link on the login window and follow the on-screen instructions to set up your account access.

You can access any of your Farm Bureau Bank accounts through our online banking services, including:

• Deposit accounts
• Installment loans
• Credit cards

1. Click on the Login button on our website, then select Online Banking from the drop-down list.
2. Click on the Forgot Password link on the login window and follow the on-screen instructions to reset your password.

Yes. You can change your address through online banking.

1. Click on the Login button on our website, then select Online Banking from the drop-down list.
2. Login using your Login ID and Password.
3. From the main (side) menu, click on Services then Address Change.  
4. Update the necessary information and click Submit.
5. Follow any on-screen instructions.

The change may take 24 to 48 hours to go into effect.

If you are a commercial customer or this option is not available online, please call us at 800.492.3276.

Depending on what kind of account you want to open with us, you can apply online, over the phone, or by filling out an application. CDs have a minimum opening amount of $1,000 and most other deposit accounts have a minimum opening amount of $100. 

Yes! You can access your account from your smartphone or tablet using our app, FBBmobile. Download and launch the application from the Apple or Google Play app store.

Some functions may be limited on the mobile app. If a function is unavailable, please access online banking from the bank's website.

In order to take advantage of the FBBmobile app, you must already be registered with Farm Bureau Bank's online banking service. No additional registration is required; just use your online banking login credentials to sign in to the mobile app.

Bill pay is a service offered by Farm Bureau Bank that lets you make online bill payments to virtually any company or person. Whenever possible, these payments are made electronically.

You must have an eligible personal or business checking or Money Market Account [MMA] to use online bill pay.

1. To enroll in Bill Pay online, click on the Login button on our website, then select Online Banking from the drop-down list.
2. Login using your Login ID and Password.
3. From the main (side) menu, select Transactions.
4. Select Bill Pay to enroll or access.
5. To enroll, click or tap the account to enroll and click Enroll in Bill Pay.
   • On the Agreement Page, click or tap to Agree to enroll.

Some functions may be limited on the mobile app. If a function is unavailable, please access online banking from the bank's website.

Yes! However, standard message and data rates may apply, depending on your device's plan.

The security of your personal and account information is top priority. When you pay with a digital wallet using your Farm Bureau Bank debit or credit card, your card number is replaced with a unique digital card number, which means businesses do not see or store your full card number. Additionally, your device verifies your identity every transaction either by passcode, fingerprint, or face/retinal scan.

Yes! However, standard data rates may apply, depending on your device's plan.

Currently, you can manage the following cards with FBBCardControls:

• Farm Bureau^® Member Rewards Mastercard^® 
• Farm Bureau Bank Visa^® Debit Cards
• Farm Bureau Bank Premier Business Visa^® 

To access FBBCardControls, simply login to FBBmobile then go to Menu > Services > CardControls.  

Note: You may be prompted to download the companion app, FBBCardControls.

Yes; with FBBCardControls you have access to all of its features, anytime, anywhere as often as you like.

To use FBBCardControls, you must:

• Be a Farm Bureau Bank customer with a qualified debit or credit card;
• Be enrolled in Farm Bureau Bank's Online Banking service; and
• Have a mobile device with Farm Bureau Bank's FBBmobile banking app and FBBCardControls companion app installed.

No. Any Control Preferences set by our customers do not remove or relax any controls we have in place; your security is top priority. In fact, your Control Preferences serve as an additional layer of protection!

Please contact one of our Personal Bankers by calling 800.492.3276 with any questions regarding this service.

Farm Bureau Mortgage was established to provide a superior mortgage experience for Farm Bureau members that is transparent and less stressful. By partnering with loanDepot, we can combine Farm Bureau Bank’s commitment to superior service with loanDepot’s innovative technology and trusted mortgage expertise, delivering a seamless experience to homeowners.

Online

We recommend that you apply online at www.farmbureau.mortgage for the fastest service.

By Phone

If you would like to speak with a Loan Consultant or need assistance with the application, call 877.388.5354. Representatives are available Monday – Friday, 7am – 7pm CT.

Our online mortgage application is powered by loanDepot, allowing us to leverage its industry-transforming technology and operational support. We have a dedicated mortgage team committed to supporting homeowners throughout the home buying or refinancing process.

You may receive mortgage emails and other communications from both Farm Bureau Mortgage and loanDepot. This allows us to provide more efficient interactions during the application and closing process, resulting in a faster and more transparent process for the homeowner.

After the mortgage loan closing process, you will receive loan servicing details with guidance on how to repay your mortgage loan, including your loan number, first payment date, payment amount, and accepted payment methods. This communication may come in the following forms:

• Welcome to Servicing or First Payment letter
  • Included in closing documentation
• Payment update info
  • Available by signing into the Farm Bureau Mortgage application dashboard
  • Detailed payment info may not be available for approximately 10 days after closing
• Mortgage loan statement
  • Mailed to address on application approximately 20 days after closing

All loans are serviced by loanDepot unless otherwise indicated on your mortgage statement. You can make a payment online, by mail, or by phone.

There are two (2) dedicated centers for servicing mortgage loans. To find out which service center your loan is assigned to, locate the “mail payments to” address on your mortgage statement.

Online (primary/preferred method)

1. Visit www.loandepot.com.
2. Click on Make a Payment and sign on to your servicing account.
   1. If you are not yet enrolled, click on Register Now.

To make a one-time payment:

• Once logged into the loanDepot servicing portal, click on the Make a Payment button.
• Your amount due and next due date will be displayed.
• Select the payment account or click New Pay Account to use a new account.
  • To save a new payment account to your profile or change your default payment account, click on the Bank Accounts from the top menu bar.
• Select the payment amount and make any additional adjustments to fees, principal, and/or escrow, then click Next.
• Review the payment details and click Authorize Payment to submit.

By Mail

Mail your payment along with the payment coupon included in your most recent statement to the appropriate payment center (as identified on your statement).

By online bill pay (through bank)

When setting up the Payee, use the following search terms based on your loan’s servicing center. This will ensure that your payment is processed electronically.

     Texas Center
     Search for:  loanDepot.com
     Enter zip code:  60680-5681

     New Jersey Center
     Search for:  loanDepot Mortgage
     Enter zip code:  07101-4733

If the Payee info and address are manually added in online bill pay, your payment may be processed by paper check and receipt may be delayed. Contact your bank or online bill pay provider for more details. 

By Phone

Call the appropriate payment center (as identified on your statement). Our automated phone system is available 24 hours a day, 7 days a week.

     Texas Center
     866.258.6572

     New Jersey Center
     877.420.4526

Yes; you can schedule your mortgage payment to be electronically drafted automatically each month through loanDepot’s servicing portal. Please note: This option may not be available until 60 days after loan closing. 

All loans are serviced by loanDepot unless otherwise indicated on your mortgage statement. You can make a payment online, by mail, or by phone.

Online (autopay)

1. Visit www.loandepot.com.
2. Click on Make a Payment and sign on to your servicing account.
   1. If you are not yet enrolled, click on Register Now.

To set up autopay:

• Once logged into the loanDepot servicing portal, click on the Make a Payment button.
  • Note: Autopay cannot be set up if you have a payment pending.
• Click on Autopay from the top menu bar.
• Click on the + New Autopay button and your autopay details will be displayed.
• On the right side, select the payment account or click New Pay Account to use a new account.
  • To save a new payment account to your profile or change your default payment account, click on the Bank Accounts from the top menu bar.
• Verify and/or make changes to the following fields, then click Next.
  • Frequency
  • Duration
  • Start Date
  • Payment Amount (this field cannot be edited)
  • Additional Principal Payment
• Review the payment details and click Create Autopayment to submit.

Autopayments can be reviewed anytime by clicking Autopay on the top menu bar.

Federal banking laws allow lenders to sell mortgages or transfer the mortgage loan servicing rights. While it is a common occurrence for mortgage loans to be sold, unless they are also selling or transferring servicing rights, this has little to no effect on the homeowner. If a mortgage loan is sold, the new owner must notify the homeowner. This kind of notice is different from the notice that a mortgage servicer must send the homeowner if the servicing rights are transferred.

Loan sale only (no change in servicer)

A mortgage lender is the institution that finances your loan. At any time after your loan has been closed/funded, a lender may decide to sell the loan. This practice assures a plentiful supply of mortgage funding across the market. The sale of your mortgage loan to a new owner does NOT affect the terms or conditions of the loan contract and, if the lender is selling the loan only and retaining the servicing rights, you should see no difference in your payment process. Lenders are required to provide notice of the sale within 30 days.

If you receive notice that your loan has been sold with no changes to the servicing, no action is required on your part.

Transfer of loan servicing

A mortgage servicer handles the day-to-day tasks associated with mortgage loans, including processing payments and managing escrow accounts. A mortgage servicing transfer is when the mortgage servicing is sold from one servicer to another. When this happens, the terms and conditions of your loan will remain the same, but where you send your payments will be affected. If your loan servicing rights are sold or transferred, notice is required from the old servicer at least 15 days before the transfer and also required from the new servicer at least 15 days after the transfer.

loanDepot may retain the servicing of the loan or it may be transferred to another mortgage servicer. Retention/transfer will vary by loan type and a loan can be transferred at any point during the life of the loan. Rest assured, if your loan is transferred to a new institution for servicing, the terms of your loan will NOT change. The only thing that should change is to whom payments are made and how/where payments are sent.

If the servicing on your loan is sold, you will receive a ‘hello’ letter from the purchasing company, and a ‘goodbye’ letter from loanDepot, or a single combination letter. If you receive notice that your loan servicer has changed, new payment instructions will be included and all future inquiries should be directed to the NEW servicer.

It is common for recent homebuyers or those who have refinanced to receive unsolicited offers in the mail regarding their mortgage and home-related services. Typically, these offers come from third parties that are unrelated to your mortgage provider or servicer. Farm Bureau Mortgage and loanDepot do not sell customer information. However, when you move or refinance your home, many records become public information. This means that companies can freely get data related to your home and loan such as:

• Mortgage lender or servicer
• Borrow name
• Property address
• Loan amount
• Loan number

It is important to read any information closely before accepting any unsolicited offer. Many companies will include some or all the information listed above in order to appear like legitimate extensions of loanDepot. Keep in mind that loanDepot will never charge you for making your mortgage payments. If you are unsure whether an offer is coming from loanDepot or have questions about their marketing or privacy policies, you may call 888.337.6888.

Applications

For questions during the application and closing process, please contact your Loan Consultant or call 877.388.5354.

Servicing and Payments

If you have already closed on your mortgage loan and have questions about payments or loan servicing, please contact loanDepot at 866.258.6572 or 877.420.4526.

Farm Bureau Bank provides tax forms, statements, and other important information to help you prepare for tax season. The Internal Revenue Service [IRS] requires financial institutions to report certain information regarding your accounts, such as the amount of interest, dividend, or miscellaneous income customers receive, as well as certain loan interest paid. Refer to the table below for more information on common tax forms. For additional information, visit www.irs.gov.

All tax forms are issued based on guidelines established by the IRS. If your account meets the criteria for reporting, you will receive the appropriate tax form from us either by mail or electronically by the applicable IRS deadline. Refer to the following table to learn more about the type of tax forms you should receive. For additional information, visit www.irs.gov.

In order to access tax forms online, you must first be enrolled in online banking.

1. Click on the Login button on our website, then select Online Banking from the drop-down list.
2. Login using your Login ID and Password.
3. From the main (side) menu, click on Services.
4. Select Statements and Forms.
5. Select your account from the Account drop-down menu.
6. Select Tax Forms from the Date drop-down menu.
7. Click Get Statement.

The following is the list of browsers that are supported by Farm Bureau Bank's websites including online banking.

• Microsoft Edge® – latest version
• ​Mozilla Firefox® – latest version
• Google Chrome® – latest version
• Apple Safari® – latest version

You may use other browsers to navigate our site, but the versions listed above have been tested. Please note, not all features of farmbureaubank.com are fully supported by all operating systems and browser combinations. Please refer to the specific requirements within each application to ensure you are using a compatible configuration.

Internet Explorer and Compatibility Mode

Internet Explorer is NOT a recommended browser for accessing Farm Bureau Bank’s websites or online banking. Some features on Farm Bureau Bank's website(s) are not supported if Compatibility View mode has been enabled for our domains farmbureaubank.com and/or farmbureau.bank.

Java and JavaScript

In order to fully utilize Farm Bureau Bank's website features, you will need to have JavaScript enabled in your browser. To do so, please review and follow the instructions provided by your browser.

Please keep in mind that upgrading your browser or installing new security software or security patches may affect your JavaScript settings. It is a good idea to double-check that JavaScript is still enabled if you notice problems using Farm Bureau Bank's websites. Additionally, if your JavaScript setting is set to Prompt, you may encounter a warning about downloading potentially dangerous scripts.

Farm Bureau Bank’s online banking platform is secure. We are committed to ensuring the security of your transactions by using the latest internet security technology.

Farm Bureau Bank’s online banking platform is protected by 256-bit encryption, the highest level of security available.

Encryption is the scrambling of data into a code that is unreadable to anyone who does not have the key that deciphers it.

With Farm Bureau Bank, all your account information is protected by 256-bit encryption to maintain the privacy and confidentiality of your data.

Farm Bureau Bank uses strong encryption technology. The only thing you need in order to take advantage of strong encryption technology is a secure browser that supports 256-bit encryption.

By requiring a browser that supports 256-bit security, Farm Bureau Bank's online banking system ensures that you have a strong lock on your personal information.

• Another security measure is your password. Every time you log on to Farm Bureau Bank's online banking, you will be required to enter your user ID and password. You control your password and can change it at any time. To keep your information secure, you should not reveal your password to anyone.
• Please save or memorize your user ID and password and keep them in a secure location. Once you have completed the sign-up process, you may change your password at any time. To maintain the security of your account information, we recommend that you change your password periodically.
• We have made Farm Bureau Bank's online banking service a safe and private way to bank with convenience.

Farm Bureau Bank knows that you expect privacy and security for your personal financial information. We appreciate your business and want you to understand our commitment to maintaining the privacy of your personal information, as expressed in this Privacy Notice. This Privacy Notice applies only to individual consumers. We reserve the right to amend this notice at any time.

If you would like to view the current Privacy Policy Notice, please click here to view the PDF version.