What will I need to get started?

Any personal computer connected to the Internet is capable of accessing the I-Bank24 Online Banking system. You will also need a Franklin Savings Bank checking account to perform bill pay transactions. You may fill out our Online Enrollment Form or stop by any of our convenient locations to enroll in person. If you are currently a Phone24 Telephone Banking user you may go to www.fsbnh.com and click on the "First Time Users" button to begin using I-Bank24 Online Banking.

Is my personal information secure while I'm completing an Enrollment Form online?

Filling out an Enrollment Form online is just as secure as the I-Bank24 Online Banking System itself. Your entire session, from the time you open an enrollment page until you submit the completed Enrollment Form, is encrypted.

What type of accounts are accessible on I-Bank24?

You can access any of your Franklin Savings Bank accounts including Checking, Savings, Certificates of Deposit, IRAs and Loans. (Enrollment for bill payment services requires a checking account.)

How do I access I-Bank24?

After completing the First Time Users Log In procedure, you may simply log into I-Bank24 directly from our home page or click on the I-Bank24 Online Banking button on our home page located at www.fsbnh.com.

What will I be able to do with Online Banking?

How current is the information?

All account information includes up-to-the-minute account balances. Today's transactions are available for viewing as they occur. We also have a 2:00 PM (Eastern Time) business day cut-off time. Transactions performed after 2:00 PM (Eastern Time) will post on the next business day.

How much account history can I see?

The I-Bank24 system maintains a maximum of 60 days of transaction history. However, you will be able to view previous statements under the "Statement History" button.

When do my accounts get updated?

Your accounts are updated as transactions are performed. Up-to-the-minute current business day transactions may be viewed at any time.

Are the transactions performed at the bank reflected in the I-Bank24 system immediately?

Yes, we are directly connected to the bank's main computer system at all times. Transactions done at the bank or using Phone24 are reflected in I-Bank24 immediately. And vice versa...I-Bank24 transactions are reflected in the bank and Phone24 immediately.

Which browsers are compatible with I-Bank24?

You may use Microsoft Internet Explorer or Netscape Navigator. We recommend that you upgrade to the latest version of Internet Explorer or Netscape and download the 128-bit secure version of their browser. The most current versions of these browsers are Microsoft Internet Explorer version 6.0 and Netscape Navigator 6.2. We provide links on our web site to do a browser check or to do a download of the latest version of these browsers. Click here to upgrade your browser now.

Can I use Online Banking with Microsoft Money or Quicken?

Yes, your history can be exported to personal finance software such as Microsoft Money, Intuit Quicken and Intuit Quickbooks.

Can other people on the Internet see my account information?

Electronic transactions are more private than traditional paper transactions. Think about all the information printed on your personal check that is easily read by anyone who handles that check---your name, address, phone number, bank name and account number, and perhaps your driver's license number or social security number. In contrast to such printed information that anyone can read, the electronic information that travels from your computer to our I-Bank24 Online Banking System is securely encoded by a complex mathematical procedure called encryption. Encryption is the scrambling of information transmitted over the Internet, for privacy and confidentiality. In addition, access to your accounts is restricted by the use of a password and other information that only you should have.

After I have signed up for Bill Pay what happens?

You can pay bills to anyone in the United States from your personal computer. After you log in to the system, click the "Pay Bill" button to send payments. Enter the requested bill payment information and click the "Submit" button. Please click here for detailed Bill Payment Instructions.

What is the cost for Bill Payment?

It is FREE for all customers with unlimited bill pay access.

Additional charges may apply for Check Copy requests, Stop Payment requests for I-Bank24 items, or NSF items.

What date should I enter as the payment date? When does it post to my checking account?

The payment date is the date you want payment sent to the payee. This is not the date your payment is due. You'll need to allow a minimum of 5 business days for your payment to reach the payee and be posted to your account. You should take this into consideration when paying bills to avoid late charges. The payment posts to your checking account on the payment date you enter.

I have payments for the same amount due at the same time each month. Is there an easy way to handle these payments?

Yes, the I-Bank24 system provides for recurring payments. You set the amount, date and payment frequency and the system will initiate the payments for you. Please click here for detailed Bill Payment Instructions.

How can I cancel a Bill Payment?

You may cancel a Bill Payment any time before 2:00 PM EST of the day the payment is scheduled to take place. Simply point to "Bill Payments" and click on "Payment List". Click the delete button on the payment you wish to remove. Please click here for detailed Bill Payment Instructions.

I have an account at another bank. Can I transfer funds to it from my Franklin Savings Bank account?

No, transfers can only be made between your Franklin Savings Bank accounts.

When will my Express Transfer take place?

Immediately. Express Transfers initiated through I-Bank24 post immediately to the receiving checking, savings or loan account. Express Transfers made to CheckLine accounts post on the next business day when initiated before 2:00 PM EST.

When will my Scheduled Transfer take place?

If you make a Scheduled Transfer before 2:00 PM EST, your transfer will be credited on that business day. If you make a transfer after 2:00 PM EST, the transfer will post on the next business day. You can also post future date transfers.

Can I access my accounts from more than one location? Can I use the system at home, at work or when I'm traveling?

Yes. You can access your accounts from anywhere that you have Internet access.

Is Online Banking safe and secure?

Yes. The system features password-controlled system entry, a VeriSign-issued Digital ID for the online banking server, Secure Sockets Layers (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic. For more security information, check out our Security Statement by going to our web site at www.fsbnh.com and clicking the "I-Bank24 Online Banking" button. Click here to check out our Security Statement.

What happens if I enter an incorrect password?

If you enter an incorrect password three consecutive times, access will be denied until you call the Bank. You must contact the Bank to get your account enabled. You may call our Customer Contact Center at (603) 934-4445 or stop by and speak with a Customer Service Representative at any one of our offices.

Can I take the system for a "test drive" before signing up?

Most definitely. You can test drive our system by clicking on the "I-Bank24 Online Demo" button on the home page of our web site (www.fsbnh.com).

May I uniquely name my accounts in I-Bank24?

Yes, you do have the ability to "Nickname" your I-Bank24 accounts.

Who do I contact if I have problems or questions?

You may call our Customer Contact Center at (603) 934-4445, or feel free to send an e-mail to MyBanker@fsbnh.com. You may also speak with a Customer Service Representative at any one of our offices.