FAQs: Personal
Q: Why did I receive a monthly fee?
The monthly fee on your account is used for maintaining your account. You are charged monthly fees only on services you use.
Many of our accounts provide opportunities for you to have the monthly service fee waived by maintaining a set minimum balance in the account or by setting up a direct deposit into the account. See our separate account pages for the individual fees charged.
Q: How do I reorder checks?
When it's time to reorder, access the page by clicking on Resources > Order Checks. Since you took the time to get here, though, we'll make it even easier for you. Just click on the button below.
Order Checks
Q: Where can I find more information about my current account? What if I want to change the type of account I have?
One of the easiest ways to track information about your account is through online banking . If you are already set up for online banking, you can log in through the Online Banking section to the left.
If you have not signed up for our online services yet, contact our Customer Care Center at 855-693-7422 to sign up for easy banking wherever you are.
To change the type of account that you have, contact one of our relationship bankers at your nearest branch and tell them you would like to switch accounts. To see what account options we have to better serve your needs, use our menu at the top to select the category of accounts you are interested in.
Q: What are my statement options?
We offer e-statements free to all of our customers. These are clean and efficient, and you can access any of your statements from the past 12 months through your online banking. To start receiving your e-statements, sign in to your online banking account. Under Accounts > Statements, select that you want to activate your statements by agreeing to the disclaimer. Once the next statement drops, you'll receive an email letting your know that the report is ready to view by logging in again and going to Accounts > Statements.
If you haven't signed up for our online services yet, contact our Customer Care Center at 855-693-7422 to sign up for easy banking wherever you are.
You also have the option to receive paper statements instead. If you don't set up your e-statements, you will automatically have the paper statements mailed to the address connected with your account. Paper statements are not included free with some of our accounts. Be sure to check whether you will be charged for having paper statements mailed to you.
Q: I'm not receiving my e-statements. What should I do?
e-Statements are set up to go to the email address you've provided for your account. If you're not receiving your scheduled e-statements, you may want to check your account profile for any needed updates to the email address. You can verify your address and adjust it as needed by going to Services > Address Change in Online Banking. You may also want to check the spam filter on your email to make sure '[email protected]' is on your accepted senders list.
If you're still not receiving your statements, contact our Customer Care team at 855-693-7422 for support.
Q: When will my funds that I deposited today be available?
Any of the follow types of deposits are available for you the following business day: cash, electronic deposits, treasury checks, money orders, bank checks, government checks, cashier's checks, certified checks, teller's checks, and "on-us checks." For questions on any checks that do not fall into these categories, please contact our Customer Care Team at 855-693-7422.
Q: What is the Bank Routing Number/Transit Number on my checks?
The Bank Routing Number/Transit Number is the first nine digits that appear across the bottom of a personal check. The Bank Routing Number precedes your account number, and is used to identify the issuing financial institution.
FSG has two routing numbers. One is for processing checks, 064208589. The other for receiving electronic transactions (ACH & Wires) is 061308592. If you are setting up direct deposit or automatic drafts to your account, you should give out the second of these two.
Q: There was a withdrawal/debit from my account I did not authorize. What do I do?
Call us or stop by your nearest branch right away.
Q: How do I stop a payment that has been sent?
If you've sent your payment throug the mail, a stop payment can be applied in order to reject the payment. The stop payment must be requested before the check is cleared by the payee, and the standard stop payment fee will apply. To order a stop payment on a bill pay request, log into Online Banking, click on Bill Pay, and select Payment Inquiry from the menu. Choose "Stop Payment for the Reason of Request," and complete the rest of the requested information before submitting. Electronic payments, unfortunately, cannot be stopped after they have been processed. For payments made electronically, you will need to contact the payee directly about reimbursement.
Q: Why did I receive a Paid Overdraft Fee or a Returned Overdraft Fee? How can I avoid overdrawing my account?
A Paid Overdraft Fee occurs when you make a payment to non-sufficient funds in your account. You can avoid many of the hassles involved with overdraft fees by protecting your accounts with FSG's overdraft privilege options. To read more about these options, see our Checking Accounts and our SafetyNet Disclosure . The best way to avoid overdrawing your account is through smart money management.
Q: When will my deposited funds be available for withdrawal, writing checks or transfer?
Typically, your funds will be available for withdrawal or transfer by the next business day.
Q: My check card is missing / has been stolen. How do I get it turned off and order a new card?
Contact our Customer Care Center immediately at 855-693-7422 , and we will turn the card off.
If you need to contact us after hours to report a missing or stolen card, call 1-800-500-1044 .
Q: What is the minimum amount needed to open a deposit account? CD? MMA? Checking? Savings?
Depending on the type of deposit account you wish to open, your minimum amount to open the account will vary. You can find the minimum initial deposit and other account qualifications on the separate pages for our personal deposit accounts or by contacting us with an Account Inquiry.
Send us an Inquiry
Loans
Q: What is a HELOC?
HELOC stands for Home Equity Line of Credit. A HELOC allows you to take out a revolving credit line based on the equity you've build in your home.
Q: What is the difference between a HELOAN and a Mortgage Loan?
A Mortgage Loan provides you with funding toward the purchase of a home. Once you begin to build equity in your home, then you can take out a HELOAN (Home Equity Loan), which uses your home equity as collateral against your loan.
Q: How much can I afford to borrow?
Take a look at our Financial Calculators. These are excellent tools for projecting
Q: What types of loans does FSG Bank provide?
We offer you a variety of personal loans--from home mortgages to auto and RV loans to personal loans and lines of credit. FSG also offers a variety of terms that you can choose from to find the option that works best for you. You can see some of our different loans by looking through our menu at the top of the page. For more information on all of our loan options, send us an inquiry to talk with one of our loan professionals.
Send us an Inquiry
Q: How long should it take to get a simple loan?
FSG can typically submit a loan for approval, make a decision, and close the simple loan within a day. If you're not sure whether your loan falls into this category, you can contact our Customer Care Center at 855-693-7422.
Q: What is APR?
APR is the annual rate that you pay as a fee for borrowing with our loans. APR is expressed as a single percentage number that represents the actual yearly cost of funds over the term of a loan. This includes any fees or additional costs associated with the transaction.
Q: What are closing costs? Why does a bank charge for this?
Closing costs are fees paid by the borrower at or near the end of a real estate transaction--including, but not limited to points, title service costs, appraisal and inspection fees, recording fees, and state and local taxes. These fees may vary depending on your loan program and where you live.
FSG charges for closing costs, since we incur a number of these expenses when processing your loan. For more information on our personal mortgages, contact our loan specialists below.
Send us an Inquiry
Q: Do you offer loans for purchasing a home? Mortgage?
Yes, we do. You can find more information about our mortgages including current rates on our Home Loans page or by filling out our Account Inquiry and allowing our qualified loan professionals to contact you and answer your questions.
Send us an Inquiry
Q: What is collateral?
Collateral is something pledged as a guarantee, showing that you intend to repay your loan. If the loan is not paid back, the collateral is forfeited and is used for repayment to the lender.
Q: Why should I use my home for collateral to get a loan?
By using your primary residence as collateral in the case of a Home Equity Loan or HELOC, you receive the best possible interest rate found with any loan, and terms can be spread out as far as 10 years with limited closing cost. As with your home mortgage, you also have the potential to deduct your interest charge from your taxes. (Talk with a CPA for more detail.)
