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Job opportunities: Teller positions

Algona & West Bend locations

Farmers State Bank has position available for a Teller at our Algona and West Bend location. We’re seeking a friendly and confident team player to join our independent, locally-owned bank. We are fully invested in our community and our team members are encouraged to volunteer and support causes that are important to them.

Open positions:

Full-time Tellers

Job requirements include:

  • Able to represent the values, confidentiality, and ethical standards of our organization to our customers and the general public
  • Must be able to proficiently use the core operating system and the Microsoft Office Suite including Excel, Word, and Outlook
  • Operating a teller window
  • Assisting customers with transactions and service needs
  • High school diploma
  • Previous experience – 1 to 2 years of customer service experience (but will train)
  • Basic knowledge of accounting is a plus

The full-time position works in a bank office environment Monday through Friday with a Saturday rotation. We offer excellent benefits including:

  • Health insurance
  • Dental insurance
  • 401K retirement plan
  • Paid time off (PTO)

How to apply:

Review the job description for the Personal Banker on the FSB website. If you meet the requirements for the position, please email your resume and cover letter to Farmers State Bank at [email protected].

Farmers State Bank is an equal opportunity employer.  Member FDIC


New Year's Resolutions for Your Wallet

  • Examine your budget and decide what needs to be altered for the #NewYear. Look at all debts and expenses, as well as amounts you want to spend for food, entertainment and savings. #Resolutions
  • Eliminate at least one debt in the #NewYear. Decide on at least one debt that you can pay off before 2023, and make a plan to achieve it. #Resolutions
  • Make one financial sacrifice this #NewYear. Choose one expense that you can either reduce or eliminate completely in 2022. This will give you more money to use toward savings or paying down debt. #Resolutions
  • Start saving automatically in the #NewYear. If your paycheck is deposited directly into your bank account, talk to your employer about having a set amount deposited directly into a savings or retirement account. #Resolutions
  • Check your credit report in the #NewYear and review it to ensure there are no mistakes in your credit history and to protect yourself from identity theft. #Resolutions

Online Shopping Tips

from National Cybersecurity Alliance website

  • Think before you click: Beware of emails, texts or other promotions that seem “off” or encourage you to urgently click on links. If you receive an enticing offer, do not click on the link. Instead, go directly to the company’s website to verify the offer is legitimate. If you can’t find it on their website, report the scam to your email provider as a phishing attempt. Remember: if it seems to good to be true, it probably is.
  • Do your homework: Fraudsters are fond of setting up fake e-commerce sites. Prior to making a purchase, read reviews to hear what others say about the merchant. Check trusted sources, like the Better Business Bureau, as well. In addition, look for a physical location and any customer service information. It’s also a good idea to call the merchant to confirm that they are legitimate.
  • Consider your payment options: Using a credit card is much better than using a debit card; there are more consumer protections for credit cards if something goes awry. Or, you can use a third party payment service instead of your credit card. There are many services you can use to pay for purchases – like Google Pay — without giving the merchant your credit card information directly.
  • Watch what you give away: Be alert to the kinds of information being collected to complete your transaction. If the merchant is requesting more data than you feel comfortable sharing, cancel the transaction. You only need to fill out required fields at checkout and you should not save your payment information in your profile. If the account autosaves it, after the purchase go in and delete the stored payment details. 
  • Keep tabs on your bank and credit card statements: Be sure to continuously check your accounts for any unauthorized activity. Good recordkeeping goes hand-in-hand with managing your cybersecurity. Another tip for monitoring activity is to set up alerts so that if your credit card is used, you will receive an email or text message with the transaction details.

Basic Safety and Security Tips

  • Keep a clean machine: Be sure that all internet-connected devices including PCs, smartphones and tablets are free from malware and infections by running only the most current versions of software and apps. These updates protect your devices form any new threats or vulnerabilities.
  • Lock down your login: Create long and unique passphrases for all accounts and use multi-factor authentication (MFA) wherever possible. MFA will fortify your online accounts by enabling the strongest authentication tools available, such as biometrics or a unique one-time code sent to your phone or mobile device.
  • Use a secure Wi-Fi: Using public Wi-Fi to shop online while at your favorite coffee shop is tremendously convenient, but it is not cyber safe. Don’t make purchases via public Wi-Fi; instead use a Virtual Private Network (VPN) or your phone as a hotspot. Or, save those purchases in your cart for later and wait until you’re home and on your own secure network.


October is Cybersecurity Month

Here is some simple cybersecurity information to help you stay safe.

Did you know?

  • In 2020 3.81 billion people worldwide now use social media. That’s an increase of more than 9% from 2019. Put another way: 49% of the total world population are using social networks.
  • Digital consumers spend nearly 2.5 hours on social networks and social messaging every day.
  • 69% of U.S. adults use at least one social media site and the average American has 7 social media accounts.

Social media security tips

So, why would a hacker want your account when it’s filled with photos of your dog or that room you renovated during Covid? First and foremost, it’s a legitimate account.

Social media platforms delete billions of fake accounts every year. Bad guys steal real accounts, like yours, and sell them on the black market where buyers can use them to spread propaganda or to extort and scam money from unsuspecting victims. Victims who may be in your social media friends list.

Use these simple cybersecurity rules to protect yourself and others, and to navigate social media confidently and safely:

  • Use separate and complex passwords, or better yet a passphrase, for each social media platform, and all online accounts. Change these passwords often as hackers buy and sell stolen password lists on the dark web.
  • Make sure you understand the account password recovery and reset services. If a hacker gains access to your account, one of the first things they’ll attempt to do is reset the password. If the platform offers some form of multi-factored authentication, such as a text message approval, use it wherever possible.
  • Be leery of private messages, even if sent from a colleague or friend. Follow the adage of trust through verification. Call or text the person to verify it’s them contacting you. Use the phone number from your contacts list and not the one provided in the message. If you don’t have their number, do you really need to be in communication with them over social media platforms? Probably not.
  • Don’t overshare. Hackers can utilize information you post on social media platforms in complex social engineering attacks against you.

The pandemic has changed our personal and work life structure. New hybrid work environments, with employees continuing to send and receive emails from their personal devices, further increase risk at work. Hackers often use attacks against a single employee to gain access to an entire organization. Don’t be that pathway for the attackers. Make cybersecurity a priority today.

Victims are encouraged to contact the FBI Internet Crime Complaint Center (IC3) to report the online crime.

Join us in spreading the word about Cybersecurity Awareness Month. Raising awareness is a critical first step. By doing so, our interconnected world will be safer and more resilient for everyone. 


Des Moines Register Opinion: Banks helped ensure success of Paycheck Protection Program for Iowans

In Iowa alone, nearly 1 million jobs were secured by incenting small employers to maintain pre-pandemic staffing levels during trying times.

John Sorensen, Guest columnist

If there is one thing the successful execution of the Paycheck Protection Program in Iowa taught us, it’s that relationships matter. Thanks to the century-old bond between Iowa main streets and their local banks, Iowa lenders were able to deliver more than $8 billion in PPP relief to nearly 169,000 Iowa small businesses, hospitals, nonprofits and farms. Iowa banks truly acted as economic first responders for our communities.

As our small businesses absorbed the shock of the pandemic-induced recession, our public leaders immediately considered ways they could help keep doors open and Iowans employed. The PPP was devised as a public-private partnership with the banking industry. As a member of the U.S. Small Business Committee, Iowa Sen. Joni Ernst played an integral role in the PPP’s development and execution. Her office served as a key liaison between lenders, the Treasury Department and the Small Business Administration. 

The genius of the program was tapping into the branch and digital network of the banking industry to deliver sorely needed forgivable loans to eligible recipients. In Iowa alone, nearly 1 million jobs were secured by incenting small employers to maintain pre-pandemic staffing levels during trying times.


John Sorensen is president and CEO of the Iowa Bankers Association.


New ATM in Whittemore

No fees for FSB debit card customers!!


Employee Appreciation Day


FFA Week, 2/22 - 2/26

National FFA Week information can be found here:

Thursday, February 25, 2021, is FFA Give Day. 

Give FFA Day is the day each year during National FFA Week that we encourage members, alumni, and friends of FFA to show their support through a philanthropic gift. These donations help fund the programs that make a difference in the lives of students. Donations of all sizes are magnified when they become part of this larger giving effort.

You can click here: to donate at anytime.


Beware of COVID-19 Vaccine Scams

Since the COVID-19 pandemic began, people all over the world have been anxiously awaiting the development of a vaccine that could protect them from the coronavirus. While the announcement that the vaccine is being distributed throughout the U.S. is great news, cyber criminals are certain to seize on the news in future fraud scams. FSB is providing the following tips to help consumers avoid becoming a victim.

                COVID-19 vaccine scams could come through phishing emails that offer to sell a vaccine or other type of treatment. The legitimate coronavirus vaccines, however, will be distributed in phases; be skeptical of any vaccine or treatment offer you receive by email. Follow these tips to avoid becoming a victim.

  • Be suspicious. Like with all emails, it’s important not to immediately believe anything that sounds too good to be true. If you are unsure of whether the offer is legitimate, search for it online, checking credible sources.
  • Read the email carefully. There are several tell-tale signs that an email is a phishing scam. It could contain several misspelled words or grammatical errors. The name on the email may not match the email address. If you hover over the links, the URL may not point to a credible website. Check the email carefully and do not click any link or download any attachment until you are 100% sure it is legit.
  • Don’t panic. Cyber criminals may use scare tactics to get you to click on a link before you’ve had a chance to investigate it. For example, if you receive an email that informs you there may not be enough vaccines for everyone, ignore it.
  • Go straight to the source. If you receive an email that appears to come from the federal government, and you are unsure if it is real, do not click on a link in the email. Navigate to their website through your web browser and contact the organization directly to confirm its legitimacy.

When in Doubt, Throw It Out

A vaccine is long-awaited good news that will eventually get the country back to normal operations. It is critically important, however, that consumers exercise caution with any communication offering a vaccine. Just like with food that has been in the refrigerator too long, the best rule of thumb is: When in doubt, throw it out.


Paycheck Protection Program

An SBA-backed loan that helps businesses keep their workforce employed during the Coronavirus (COVID-19) crisis.

For more information click here.


Good Sam Vets

Bake Sale Proceeds

Farmers State Bank had a Bake Sale July 3rd and raised over $1,000! Renee Muller & Karen Thilges used the funds to purchase items for the veterans residing at Good Sam. Items purchased were clothing, books, music cd, personal hygiene items and a gift certificate to Dairy Queen. To all vets, we thank you for your service!


For a Cause - September

Suicide Prevention

Farmers State Bank donated to the American Foundation for Suicide Prevention, Out of the Darkness, Mason City, IA in honor of Blake Muller.

If you or a friend need help - please call the Suicide Prevention Hotline:  1-800-273-8255


For a Cause - August

Back to School 

Kleenex and hand sanitizers were delivered to Seton & Bertha Godfrey.  We wish everyone a safe and healthy school year!


For a Cause - July

Sun Safety

For A Cause - June

National Cancer Survivor Month

Farmers State Bank staff is supporting National Cancer Survivor Month.  We are taking a moment to honor survivors' determination and courage.

For more information go to American Cancer Society:

Use this link to listen to some first hand accounts:

From the CDC, "The rate of cancer deaths per 100,000 people in the United States is expected to keep going down."  Further information on Expected New Cancer Cases and Deaths in 2020:,per%20100%2C000%20people%20in%202020.


For a Cause - May

Mental Health Awareness Month

COVID-19 and your mental health

By Mayo Clinic Staff

Recognizing what's typical and what's not

Stress is a normal psychological and physical reaction to the demands of life. Everyone reacts differently to difficult situations, and it's normal to feel stress and worry during a crisis. But multiple challenges daily, such as the effects of the COVID-19 pandemic, can push you beyond your ability to cope.

Many people may have mental health concerns, such as symptoms of anxiety and depression during this time. And feelings may change over time.

Despite your best efforts, you may find yourself feeling helpless, sad, angry, irritable, hopeless, anxious or afraid. You may have trouble concentrating on typical tasks, changes in appetite, body aches and pains, or difficulty sleeping or you may struggle to face routine chores.

When these signs and symptoms last for several days in a row, make you miserable and cause problems in your daily life so that you find it hard to carry out normal responsibilities, it's time to ask for help.

For more information click here.

Check out this extensive resource: or contact National Alliance on Mental Illness "NAMI" HelpLine: call (800) 950-NAMI Monday - Friday between 10:00 a.m. & 6:00 p.m. email [email protected]

If it is urgent that you talk to someone call the National Suicide Prevention Lifeline at 1-800-273-TALK (1-800-273-8255) or use its webchat at

For a Cause - April

Child Abuse Prevention Month

Parents have a right to be stressed. But don't take it out on your kids.

CNN Health 

By Melissa Merrick PhD and Robert Sege MD, PhD

Updated 9:02 AM ET, Tue April 7, 2020





Coronavirus (COVID-19)

Coronavirus is currently a big concern in American society. It is officially a pandemic.  At Farmers State Bank, we have a pandemic plan ready to guide us through this event. Currently, we are operating as usual, as long as we are not endangering the health of our customers or staff.

We are monitoring the Centers for Disease Control and Prevention, “CDC,” & the Iowa Department of Public Health, “IDPH,” for current health information.  We are educating our staff on risks, symptoms and prevention methods.  We are regularly cleaning and sanitizing throughout the bank.  We are encouraging ill employees to stay home until they are symptom free, and are planning for increased employee absences.

While the coronavirus is not in our community, there are still safety measures you can take to minimize the possibility for an outbreak.

  • Clean your hands often.  Wash hands for 20 seconds or use a hand sanitizer that contains at least 60% alcohol. Also, avoid touching your eyes, nose and mouth with unwashed hands.
  • Avoid close contact with people who are sick.  Put distance between yourself and other people.
  • Stay home if you are sick.
  • Cover your coughs and sneezes.
  • Wear a facemask if you are sick.  
  • Clean and disinfect frequently touched surfaces daily.

It is important to educate yourself, and take proper precautions.  If you are limiting the amount you go out in public, we have financial tools that will be convenient for you.

  • Online Banking & our mobile app, FSBIOWA
    • Checking your account balances
    • Looking through your transaction history
    • Bill Pay
    • Transferring funds across accounts
    • Easily making a loan payment
  • Mobile Deposit
  • Telebanking – (800) 591-5343
  • EStatements
  • ATMs
  • Night drop
  • Email or telephone

Beware of scams.  Look out for suspicious email and text messages, medical supply scams, and fraudulent donation sites that may impersonate a company, charity, or government agency. The intent is to convince you to share sensitive information such as usernames and passwords, make purchases or donations on spoof websites, or download malware onto your device by opening a malicious attachment. If you receive a suspicious text message, don’t respond, don’t click on or open links and attachments.

The following websites have up-to-date information on the coronavirus (COVID-19).

We will be having updates on our website,, and on Facebook & Twitter. Please reach out if you have concerns.  Your financial needs are our priority. 


FSB Trivia Tuesdays 2020

Trivia Questions and Answers

Question #1:  What was the original name of Farmers State Bank?

Answer #1:  German-American Bank


Question #2:  What year did the West Bend location open?

Answer #2:  2006


Question #3:  Who was President before Jack Geelan?

Answer #3: Vic Perkins


Questions #4:  What year did Sean Noonan become the President of FSB?

Answer #4:  2004


Question #5: When FSB first moved to Algona, what building to it move into?

Answer #5: Home Federal


Question #6: How many employees does FSB have?

Answer #6: 21


Question #7:  What is the FSB slogan on our logo?

Answer #7:  A Strong History, A Bright Future


Question #8: What year did FSB introduce Internet banking?

Answer #8:  2005


Question #9:  What is Fiserv?

Answer #9:  The company that provides financial technology to FSB.


Question #10:  What happened to the original FSB building during the Whittemore fire of 1898?

Answer #10 It was the only building left standing on the South side of the street.


Question #11: What is the highest interest rate paid out on a CD at FSB?

Answer #11: 18%


Questions #12:  Photo of Whittemore Bank and the demolition of the neighboring building.

Answer #12: 1989


Question #13: What was the year the FSB Algona location opened on 220 East State St.?

Answer #13: 1992


Question #14:  Who is Hayim Solomon?

Answer #14: Funded Continental Army.  Per his request, the Star of David was placed on the dollar bill.


Question #15: What year was Algona's addition built?

Answer #15: 2013


Question #16: Who became President of FSB in 1917?

Answer #16:  Frank Bestenlehner


Question #17:  What year did FSB introduce its Mobile App?

Question #17:  2016


Question #18:  Name three of the six 1968 Board Members.

Answer #18:  Wilbur Roeber, Frank Foley, Gene McMahon, Vic Perkins, Jim Geelan & Harry Seely


Question #19: What year was the bank's name changed?

Answer #19: 1917


Question #20: Name 3 of the FSB loan officers.

Answer #20:  Brian Kollasch, Deb Kenne, Jarrod Weichert, Sean Noonan, Tiffany Green & Tascha Wykoff


Question #21: What significant event in FSB history happened in 1968?

Answer #21: The bank moved to 412 Broad Street in Whittemore.


Question #22: What is the current FDIC insurance coverage limit?

Answer #22: $250,000


Question #23:  What was the first form of currency?

Answer #23: shekel 


Question #24: Who was the first FSB President?

Answer #24: John F. Shaible - German American Bank & Frank Bestenlehner - Farmers State Bank


Question #25: Who was the first Secretary of the Treasury?

Answer #25: Alexander Hamilton


Trivia Rules and Instructions

On March 3, 2020, Farmers State Bank will begin Trivia Tuesdays to celebrate our 125th Anniversary. 


There will be 25 questions for 25 weeks:  Beginning March 3, 2020 and ending August 25, 2020.

  1. Everyone may participate & has an equal chance.

  2. No purchase, payment, donation or account is required to enter or win the contest.

  3. Winners do not have to be present to win.

  4. The odds of winning are dependent on number of entries.

  5. Current and former staff members are not allowed to participate.

  6. One answer, per person, each week.

  7. One prize, per person, throughout the entirety of the game, except for the final prize.


  1. A new question will be posted on Facebook, on and displayed in the lobby of all 3 Farmers State Banks every Tuesday till Friday.

  2. Answers can be (1) direct messaged to FSB on Facebook, (2) emailed to [email protected] or (3) written & placed in one of our lobby drawing boxes. 

  3. Answers will be accepted until Friday of that same week.

  4. The correct answers will be collected, and put in a drawing for a prize on Friday of each week.

  5. Winners will be notified on Fridays.

  6. The prize is a 20 oz Tumbler filled with surprise FSB treats.

  7. The weekly winners will be added to a final drawing on August 28th, for $125.


FSB 125th Anniversary

Farmers State Bank is celebrating 125 years as a local, community bank.  



Logo design by:

Mary Schaaf,


How To Set Goals For 2020: And Actually Achieve Them

Forbes Magazine, Jan. 1, 2020

John F. Wasik, Contributor - I am an author, speaker and journalist specializing in investor and consumer protection.

You’ve probably heard this trope: Of those who set goals in January for the coming year, by Feb. 15, most have forgotten all about them.

Since I’m a list and schedule person, I like to write things down. That way I can refer to it anytime. It works most of the time.

In the new year, by all means put down some reasonable goals on paper. Keep the list where you can see it. Put it on your fridge or desk.

The first thing you should do is make a distinction between realistic goals and changing habits. If you’re addicted to something — like tobacco or booze — you can surely change, but it will take a sustained effort. Don’t expect to do it alone. Get some help. And keep in mind you can also be addicted to social media, cat videos and video games.

Other habits are much easier to tackle. Here are some suggestions:

  • You could get in the habit of saving 15% of your income. You sign a form with your employer to withdraw and invest that money from your paycheck, or set up an individual retirement account (IRA) that will automatically debit that amount from your checking account.
  • Setting specific goals with numbers attached is more meaningful than vague commitments. Let’s say you want to save more in your 401(k)-type account. You can sock away up to $19,500 annually in 2020. Add another $6,500 if you’re over 50. It helps sometimes to focus on a reasonable dollar amount instead of a percentage.
  • Start or fund an emergency account. If you don’t have one, open up a money-market account and start saving. My suggestion: At least 10% of your annual income. A better way of gauging how much to put into this rainy-day fund is to add up your insurance deductibles. How much would you pay out of pocket for auto, health and homeowner’s insurance claims? Are appliances or home maintenance items on your list?
  • Write down healthy habits you want to acquire. Diets are hard, but eating right is not. Are you cutting down on sugar and junk food? Are you eating more fruit and vegetables? Here are some healthy habits to add to your goals list. Don’t forget to get up and move. Sitting is the new smoking.
  • Get out of your comfort zone to find peace. I’m surprised that the things that are most meaningful don’t cost anything. Visit an older relative. Put your phone in a drawer. Take a long walk. Indulge in a hobby. Join a club. Read a book. Watch a movie — in a theater. See a high school play.

The goals list is endless, but the bottom line is to find a better way to connect yourself to others and your community. It will make your year fresher, brighter and healthier.


Community Banks Are Standing Up for Rural America


ICBA Independent Community Bankers Association

Jul 19 · 4 min read

By Rebecca Romero Rainey

Wall Street financial institutions are once again showing that when the going gets tough, they head for the exits. After ramping up lending when times were good, as just reported by Reuters, the nation’s largest banks have shrunk their agricultural lending portfolios amid the current conditions in the farm economy. This exodus of capital not only harms farmers and agricultural enterprises, but also the local businesses, hospitals, schools and rural municipalities that support the agricultural economy.

Fortunately for rural America and the citizens who call it home, the nation’s community banks are bolstering their farm lending at this crucial time — demonstrating once again why policymakers should work to strengthen community banks, which stick with their customers and communities in good times and bad.

According to Reuters, the nation’s 30 largest banks have reduced their farm loans by 17.5 percent since December 2015 as the U.S. farm economy has experienced an economic downturn fueled by low commodity prices, trade wars and flooded fields. While Reuters reports that these large banks have culled their agricultural holdings by $3.9 billion, however, overall bank lending to the farm sector has grown by more than $10 billion over the same period as community banks have stepped in to meet the needs of farmers and ranchers across the country.

It’s not the first time community banks have risen to the challenge presented by their megabank competitors. Local communities hit hardest by the Wall Street financial crisis are now being left behind as the megabanks that fueled the calamity withdraw for wealthier areas. While JPMorgan Chase last year announced a major branching and lending boom, it has in recent months notified regulators of more branch closures than openings, according to Bloomberg. Of JPMorgan’s 185 new branch openings, 71 percent are in more affluent communities, including 70 in the Washington, D.C., metro area.

Meanwhile, community banks are expanding in the areas most in need of the banking services they need to thrive. Low- and moderate-income census tracts make up a significant percentage of megabank branch closures. Community banks, on the other hand, focus a relatively large share of their resources in low- and moderate-income tracts, and their lending in these areas is more consistent with local demographics than megabank loans.

Overall, noncommunity banks shrunk their footprint by 384 offices between June 2017 and June 2018, while community banks added more than 700 bank offices over the same time period, according to the Federal Deposit Insurance Corp. Further, community bank loan growth has exceeded growth at noncommunity banks for six consecutive years, with deposit growth more than tripling that of their larger competitors in rural areas, reflecting their continued commitment to farm communities.

These efforts build on the disparate responses to the Wall Street financial crisis, when community banks increased lending to consumers and small businesses while megabanks closed off access to credit. Accounting for more than 60 percent of small-business loans under $1 million and 80 percent of agricultural loans from the banking sector, community banks have used their more than 50,000 locations as an economic lifeline in the areas most in need of financial services.

Through it all, community banks operate within the strenuous regulatory requirements often provoked by the misbehavior of the megabanks and the economic fallout they have all too frequently caused. To help community banks spread the benefits of the longest economic recovery in U.S. history to regions that have not yet experienced strong growth, Washington should institute a regulatory environment that better distinguishes Main Street institutions from those on Wall Street.

This includes maximizing the benefits of last year’s S. 2155 regulatory relief law by simplifying capital standards for community banks as authorized by Congress and instituting a truly short-form call report for the first and third quarters of the year. It means finishing the job of modernizing anti-money-laundering laws to improve uniformity and efficiency, insuring community banks have continued access to the secondary mortgage market, and mitigating the negative impact of new regulatory mandates. It means forging a competitive landscape free from distortions caused by too-big-to-fail financial firms and the undue competitive advantages afforded by taxpayer-funded subsidies for credit unions and Farm Credit System lenders. It means advancing data breach legislation that requires all participants in the payments system to meet data security standards like those that have long applied to banks.

In short, it is time for Washington to enact policies that will support the financial institutions that help every American in every community — whether urban, suburban, or rural — join in the nation’s economic prosperity. As the only physical banking presence in one in five U.S. counties, community banks are used to meeting the needs of areas left behind by other financial services providers. By supporting these locally based institutions, we can bring opportunity and prosperity to every corner of our country, one community at a time.


Rebeca Romero Rainey is president and CEO of the Independent Community Bankers of America.


Mobile Banking

Try our convenient mobile app, FSBIOWA, to fulfill your banking needs.  The app can be found at the Apple App Store or at Google Play.  You will be able to:

  • Check your balances

  • Make transfers

  • Deposit checks

  • Pay your bills

  • Pay a person

  • Make a loan payment

Try it today! It is just another way Farmers State Bank is there for you.


Mobile Deposit Update

When you use mobile deposit on the Farmers State Bank app, please write the following phrase on the back of you check, along with your signature:

For Mobile Deposit at Farmers State Bank


Stay Safe Online

Go to this website to learn more.

Privacy is good for business.

Tips for parents and grandparents.


Identity Theft

Is someone using your personal information to open accounts, file taxes, or make purchases? Visit, the federal government’s one-stop resource to help you report and recover from identity theft.

Did you get a notice that says a company lost your personal information in a data breach? Did you lose your wallet? Or learn that an online account was hacked? Here are steps you can taketo help protect yourself from identity theft.

What can you do to keep your personal info secure? Are identity protection services worth the cost? What about credit freezes? Check out the FTC’s identity theft articles to find out.


Debit Card Fraud Protection

SHAZAM Fraud Text Alerts

Dear valued cardholder,

Keeping your account safe and secure is our highest priority. We partner with SHAZAM, our debit card processor, to implement a fraud management solution powered by FICO® Falcon® to help protect your debit card against fraudulent activity.

We provide Text Fraud Alerts as part of our debit card protection program. You’ll receive text alerts when suspicious activity is detected on your Farmers State Bank debit card. If you receive a “fraud alert,” reply Yes or No to confirm or deny the activity. If you reply No (the activity is fraudulent), you’ll quickly receive a follow up text to let you know that a SHAZAM fraud specialist will call you soon to help protect your account. We’ll also automatically block your debit card to prevent any additional fraudulent activity.

If you reply Yes (the activity was legitimate), you can continue to use your debit card as normal. If you don’t reply to the text, or your phone number is not a mobile number, we’ll attempt to reach you via automated voice call.

Text message alerts from: 72718

Automated phone calls from: 855-219-5399

Make sure to save these numbers to your contacts so you don’t miss any alerts. This added protection to your debit card is automatic and text message alerts are free. To ensure we can reach you promptly if fraudulent activity is suspected, we’ll need to have your current contact information on file including phone number(s) and address. Please contact us if you have any changes in this information. We’ll keep your information completely confidential.

If you have any questions, or ever see a suspicious transaction on your debit card, please call (515) 887-2221. Always use caution when providing your debit card information and contact us immediately if you suspect your debit card has been stolen or compromised.

Thank you!


Check out America's Banks website

American Banking Association

ABA’s  America's Bank website demonstrates the tremendous impact banks have across the country on their customers, communities and the overall economy.