We've collected Consumer Help Numbers and the most Frequently Asked Questions on this page for easy reference. If your question isn't answered here, please contact us online or call a bank representative at the Clifton Banking Center: 815-694-2329, the Watseka Banking Center: 815-432-2494 or Toll Free: 1-888-432-5695.
Consumer Help Numbers
Debit Card Emergency (lost or stolen card): 1-800-554-8969
Bill Pay Support: 1-888-762-0204
Consumer Reporting Companies:
Equifax: 1-800-525-6285
Experian: 1-888-EXPERIAN (397-3742)
TransUnion: 1-800-680-7289Social Security Administration:
Kankakee Office: 1-815-937-3245
Chicago Office: 1-800-772-1213
Toll Free: 1-800-772-1213Department of Veterans Affairs: 1-877-838-2778
Personal Banking Questions
| Q: | Can I reorder personal checks online? |
| A: | The First Trust and Savings Bank has partnered with Deluxe to safely and conveniently provide online check reordering. To reorder checks you will need your routing/transit number, account number and the starting number of your next check. Check orders will be sent to the mailing address on your account and a charge for the order will appear on your account. If there are any changes to your check order, if it has been longer than 2 years since your last check order, or if this is the first time you are ordering checks with The First Trust and Savings Bank please visit one of our First Trust and Savings Bank banking centers to complete your order. Otherwise, click the following link and reorder checks now!  |
| Q: | Why was I assessed an ATM fee? |
| A: | Your First Trust & Savings Bank checking account may be subject to charges when using an ATM that does not display the VISA® logo. This service charge is in addition to any fees assessed by the financial institution operating the machine. You may also be charged a fee for a balance inquiry even if you do not complete a funds transfer. For more information on fees and disclosures, please visit one of our First Trust & Savings Bank banking centers. |
| Q: | How do I change my address and/or phone number? |
| A: | You can update your address and phone number calling us toll free at 1-888-432-5695 or by visiting one of our First Trust and Savings Bank banking centers. |
| Q: | What types of overdraft protection does The First Trust and Savings Bank offer? How can I set up overdraft protection on my checking account? |
| A: | The First Trust and Savings Bank offers two types of overdraft protection for a checking account. Access our overdraft protection page to find more information. Please call Customer Service at 1-888-432-5695 or visit one of our First Trust and Savings Bank banking centers. |
| Q: | What are the current rates on products offered by First Trust and Savings Bank? Can I find this information online? |
| A: | Interest rate information may be accessed on our interest rate page. Please call 1-888-432-5695 or stop by one of our First Trust and Savings Bank banking centers to obtain our rates. |
Online Banking Questions
| Q: | What is the difference between the available and ledger balance? |
| A: | The available and ledger balances listed in the Account Summary screen can differ. The available balance reflects the funds currently available for use. The ledger balance reflects the actual balance in the account as of the close of the previous business day, plus any real-time deposits or withdrawals. |
| Q: | How can I change my Online Banking Password? |
| A: | Log on to The First Trust and Savings Bank Online Banking and select the Services. Next select the Change Password link. This will allow you to change your password. |
| Q: | Why does the Online Banking logon page no longer remember my Access ID and password? |
| A: | Your browser is utilizing an autocomplete feature to save and automatically remember your ID and password, which works on Web pages you have previously accessed. When we published a new logon page, the browser did not have a previous entry to remember. Please key in your access ID and password each time you log on to ensure the highest level of security. If you have forgotten your password or have been locked out of your account, please call 1-888-432-5695. |
| Q: | When I enter Online Banking, the secure lock indicator disappears or I receive an alert that the site is not secure. Am I in a secure session? |
| A: | Microsoft Internet Explorer has identified this as an issue with certain browser versions. You are still in a secure session; to verify, right click inside the page, click Properties on the menu that appears, and then click Certificates. A web page that is on a secure server will display the security information for the specific site in the Certificate information box. For details on this issue, please visit our Online Banking Help page. |
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 Equal Housing Lender |
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| NOTICE: *Stocks are not deposits, not insured by the FDIC, not guaranteed by the Bank, and may lose value. The First Trust & Savings Bank is not responsible for and has no control over the subject matter, content, information, or graphics of the web sites that have links here. Please contact us with any concerns or comments. | ||