Frequently Asked Questions

Q: What is First State Bank of Arcadia’s routing number?
A: Our bank routing number is 063108732. This is also First State Bank of Arcadia's ABA number.

Q: What are your wire instructions?
A: Receiving Bank:

  • First State Bank of Arcadia
  • 400 North Brevard Avenue
  • Arcadia, Florida 34266
  • ABA # 063108732
  • Phone: 863-494-2220

For Credit to:

  • Customer Name
  • Physical Address
  • Account Number

Bill Pay (top)

Q: How do I enroll for Bill Pay?
A: To pay your bills online, you must first enroll in First State Bank of Arcadia’s Online Banking service. To add Online Bill Payment to your existing First State Bank of Arcadia Online Banking service:

  • Log in to Online Banking
  • Select ‘Payments’ tab
  • Select ‘Enroll’
  • Once approved, you will have access to bill pay the next business day

Q: Who can I pay through Bill Pay?
A: Almost any person or company you would normally mail a check to as long as it is payable in the United States. We recommend that payments to government agencies, such as your property taxes, etc. not be paid via Bill Pay.

Debit Cards (top)

Q: What is the daily withdrawal limit at the ATM?
A: The daily limit of cash withdrawals at ATMs is $400. Point of Sale (POS) debits at stores and cash advances are limited to $2,500.

Q: How do I report a lost or stolen Visa Check Card?
A: You may report a missing card by calling us at 863-494-2220 during business hours. We will assist you with cancelling your card. If after hours or the weekend, you will still call 863-494-2220 and the after-hours message will connect you directly to the card company by following the prompts.

Q: What are the transaction limits for a Visa Debit Card?
A: Personal and Business Debit Cards:

  • $2,500 per day which includes both Point-of-Sale transactions and cash advances

Q: What are the locations of your ATMs?
A: Drive-Up ATM’s:

  • 335 N Brevard Ave, Arcadia
  • 2747 SE HWY 70, Arcadia

    Walk-Up ATM:

  • 400 N Brevard Ave, Arcadia

You may also use your VISA Debit Card service charge-free at any Publix Presto ATM machine and also at any branch of Wauchula State Bank, Charlotte State Bank & Trust and Englewood Bank & Trust.

Q: Can I use my Visa Debit Card outside the United States?
A: Yes, you may use your card outside the United States. We do, however, recommend that you contact us at 863-494-2220 whenever you are traveling and using your debit card whether within or outside of the country so we can update our fraud department with that information.

Q: What happens if an unauthorized debit or charge appears on my account?
A: If an unexpected transaction appears on your account, contact First State Bank of Arcadia immediately at 863-494-2220 or stop by any First State Bank of Arcadia office. After business hours, please call our local office number at 863-494-2220 and listen for the directions for reporting a lost or stolen card.

Q: Where can I find surcharge-free ATMs in my area?
A: Click here to find Publix Presto ATMs closest to you or download our Mobile Banking iPhone or Android app. Click on Locations and search for the closest surcharge-free ATM by clicking on the icon.

Q: Why is the gas station charging me a larger dollar amount that am I pumping?
A: The gas station does not know how much gas you intend to purchase when you first use your card to pay at the pump. They estimate an amount, and then make an authorization request for this to ensure that you have that much in your account before they let you pump gas. The actual amount on your receipt is what will be debited from your account.

MobiMoney (top)

Q: How do I enroll for Debit Card Alerts?
A: Debit Card Alerts are set up through MobiMoney. Download the App from either the App Store or Google Play, then follow the instructions presented in the User’s Guide. Or, if you need further assistance, we’ll be happy to help, call a Customer Service Representative at 863-494-2220.

Q: What if I have multiple cards? How can I get set-up?
A: If you have multiple cards on your account, each user will have to separately register their card through MobiMoney. Each user will be able to establish their individual alert preferences and other controls. When receiving notices, the last four digits of the card will appear in the alert so you know to which card it belongs.

eServices (top)

Q: What is your FirstLine 24 Hour Telephone Banking phone number?
A:  Local: 863-494-6789
     Out of town: 1-888-406-2220

Q: How do I sign up for Online Banking?
A: You can sign up online at, select ‘Enroll Personal’ or ‘Enroll Business’.

Q: Is it possible to transfer from one bank to another?
A: Yes. Any external account that has previously been validated will be available in the transfer drop-down menu when you log into online banking.

Q: How do I set up an External Account?
A: Log into Online Banking, go to ‘User Services’ and select ‘Add External Transfer Account’. You will need to agree to our ‘External Transfer Terms and Conditions’ in order to proceed. Complete the online form and click ‘Submit’. In order to validate that you are the rightful owner of the external account you will need to sign the enrollment form and drop it off or mail it to us along with a voided check or statement for the external account.

Q: What are the fees for an external transfer?
A: There is no fee for transferring funds into the bank. There is a $10.00 fee for transferring money to an external account outside of First State Bank.

Q: If I get a temporary passcode, how long do I have to change it?
A: Your temporary passcode is good for 24 hours and must be changed during that time.

Q: How do I change my address within Online Banking?
A: Under the ‘User Services’ tab, select ‘Change Contact Information’.

Q: Is my Access ID or Passcode case sensitive?
A: Yes, both are case sensitive.

Q: How do I reset my Passcode?
A: Simply click on 'Login' on our website at without entering ‘Access ID’ or ‘Passcode’ first, then use the 'Forgot your Passcode' link and follow the on-screen instructions. You will receive an email with your temporary passcode to the address we have on file within your online banking. Or, you may call one of our Customer Service Representatives at 863-494-2220. Your Passcode is case sensitive, must be at least 9 characters long, contain at least 1 numeric and 1 alpha and cannot be the same as your ‘Access ID’.

Q: Can I pay off my loan on Online Banking?
A: No. This will need to be done by a teller or loan clerk.

Hours (top)

Q: What are your lobby hours?
A: North Office and East Office:

  • Monday - Thursday | 9 a.m. to 4 p.m.
  • Friday | 9 a.m. to 6 p.m.

Q: What are your drive-thru hours?
A: North Office Drive-thru:

  • Monday - Friday | 8 a.m. to 6 p.m.
  • Saturday | 8 a.m. to 12 noon

East Office Drive-thru:

  • Monday - Friday | 8 a.m. to 6 p.m.

Q: What are your daily cut-off times?
A: The cut-off time for deposits made in person at the teller line or in the drive-thru is the closing time of each location (please see closing times for each office above)

  • Mobile Check Deposit: 3 p.m.

Loans (top)

Q: Do you offer fixed- and adjustable-rate real estate mortgages?
A: Yes, click here for more information.

Q: Can I have my loan payment automatically debited from my checking account?
A: Yes, you may set that up, a loan officer or loan clerk can assist you with that.

Q: Can I apply online?
A: First State Bank of Arcadia is a community bank that believes in personalized service. Instead of applying online, we want you to talk to a real person who can listen to your individual needs. Our local lenders are committed to providing the expert advice and personal service you deserve. However, for your convenience a Mortgage Loan Application is available online to help get you started. For security reasons, please do not submit an application online. Please print out your application and schedule an appointment with one of our Residential Lenders to submit it.

Q: Do you require a minimum credit score to apply for a loan?
A: Your credit history carries a lot of weight when underwriting a loan. We analyze your entire credit history as part of our credit decision. We offer options for those with less than perfect credit.

Q: If I am purchasing a new home, do I need to have a contract before applying for a loan?
A: No, we can complete a pre-qualification to determine the loan amount and product that best suits your needs. For your convenience, a Pre-qualification Application is available online to help you get started. Please do not submit your application online. Please print out the Pre-qualification Application and schedule an appointment with one of our Residential Lenders to submit it.

Q: Do I need to have a checking or savings account at First State Bank of Arcadia in order to apply for a loan?
A: No, we do not require either. We are glad to work with applicants that are new to FSB.

Q: Do you offer business loans?
A: Yes, we offer loans for business owners with fast and local decisions. We provide commercial financing for real estate, lines of credit, expansion expenses and more! For your convenience, we offer an online application to help you get started, then finish with one of our commercial loan officer professionals.

Q: How long before I know if I am approved?
A: While the actual timing varies according to the type of loan for which you are applying, our experienced lenders strive to make the process as quick and easy as possible.

Q: I received a bill for my property taxes but thought this was included in my monthly loan payment?
A: If your property taxes are escrowed on your loan, you may still receive a statement from the county tax collector, but First State Bank of Arcadia will automatically pay this for you each year. Please contact us if you have questions or are not sure if your taxes are escrowed.

Q: I received my monthly billing notice and noticed that my payment has increased. Why did it go up?
A: If your property taxes or your homeowner’s insurance are escrowed on your loan, it is possible that one of those payments increased and your monthly loan payment was adjusted to cover the additional cost. If you have an Adjustable-Rate Loan, it is also possible that your interest rate changed causing an increase in your payment amount. Feel free to contact us for additional information.

Q: Do you require that I have mortgage insurance on my loan?
A: If you finance more than 80% of the appraised value of your home, mortgage insurance may be required and added to your monthly payment amount.

Q: Is a home inspection required for a new home purchase?
A: First State Bank of Arcadia does not require a home inspection but you may choose to have an inspection done on the property you want to purchase.

Q: Will I receive a copy of my appraisal?
A: Yes, if we order an appraisal to determine the property’s value, we will promptly give you a copy of the appraisal even if your loan does not close.

Q: Do you do debt consolidation loans?
A: Yes, we will work with you to determine what best meets your individual borrowing needs.

Mobile Banking (top)

Q: What is First State Bank of Arcadia Mobile Banking?
A: Mobile Banking gives you access to your accounts from your mobile web browser or a downloadable Mobile Banking application, depending on your preference and your phone capabilities. Both options allow you to: view account balances, search recent account activity, transfer funds between your First State Bank of Arcadia accounts and/or accounts you have at other financial institutions, view check images, and find the nearest ATM or branch locations.

Q: How do I install the downloadable application?
A: If you are an iPhone or Android user, go to the App Store or Google play and search for First State Bank of Arcadia to download the bank’s Mobile Banking application. Or, for your convenience, you can click on the respective icon below to quickly locate the app.

Apple App Store icon   Google Play icon

Q: How much does this service cost?
A: There is no charge associated with the service. However, there may be charges associated with text messaging and data usage on your phone. Check with your wireless phone carrier for more information.

Q: Is it secure?
A: Yes, the mobile banking service utilizes best practices from online banking, such as HTTPS, 128-bit SSL encryption, Access ID and Passcode access and application time-out when your phone is not in use. Only the phones that you personally enroll in the service can access your accounts. In addition, no personal information or account data is ever stored on your phone once a Text Banking, Mobile Web banking or Mobile Application session has ended. In the event your phone is lost or stolen, the service can be immediately disabled by either going online to the Mobile Banking enrollment website or by calling customer service at 863-494-2220 during regular business hours.

Q: Which wireless carriers are supported?
A: We support all the popular U.S. wireless phone carriers, including AT&T, Sprint, T-Mobile, and Verizon, U.S. Cellular, Virgin Mobile. If your carrier is not listed above, please contact us at 863-494-2220 during regular business hours for assistance.

Q: Do I need a text message or data plan?
A: Yes, a text messaging and/or data plan is typically needed as data usage can become expensive without them. Please check with your wireless carrier for more information.

Q: I'm not enrolled for Online Banking. Can I still use this?
A: You must first enable your bank account(s) for online banking before using mobile.

Q: Is Mobile Banking available for businesses?
A: Yes, Mobile Banking is available to the company’s Focus Customer as well as all Sub-Users. Sub-Users will have the same access they have within Online Banking.

Q: Are Mobile Banking transactions processed immediately?
A: Yes, account transfers and loan payments initiated through mobile banking are processed in the same manner than account transfers and loan payments initiated through Online Banking.

Q: Is there a transfer limit on transfers between my First State Bank of Arcadia accounts? 
A: You can only transfer up to the amount you have in your account.

Q: Are bank-to-bank transfers available on Mobile Banking?
A: Yes, however, they have to be set up and approved within Online Banking first.

Q: Are check images available on Mobile Banking?
A: Yes, images are available on Mobile Banking.

Mobile Check Deposit (top)

Q: What is Mobile Check Deposit?
A: With First State Bank of Arcadia’s Mobile Check Deposit, eligible and enrolled customers can deposit checks through our Mobile Banking app.

Q: How do I start using Mobile Deposit Capture?
A: Access your FSB iPhone or Android app and click on ‘Check Deposit’. Please note you must be eligible to use this service.

Q: Why am I unable to deposit my check?
A: Some reasons why your check may not be accepted through Mobile Check Deposit are:

  • The check has already been submitted
  • The type of check is not accepted
  • Check is of bad quality (torn, folded, etc.)
  • Front image is not legible
  • Amount entered does not match the amount on the check
  • Routing and account numbers are unclear
  • Image is too dark or blurry
  • Lack of proper signature and/or endorsement

Q: Can I deposit any kind of check through Mobile Deposit?
A: First State Bank of Arcadia will review the deposit and reserves the right to reject a deposit. Certain types of checks will not be accepted through Mobile Check Deposit. Please refer to the Mobile Deposit Terms and Conditions for a full list of checks that will not be accepted. That list includes, but is not limited to the following:

  • Third Party Checks
  • Checks drawn on accounts at foreign financial institutions
  • Tax Refund Checks
  • Returned Checks
  • Sweepstakes Checks
  • Checks Payable to Cash
  • Lottery Checks
  • Over-the-Counter Checks

Q: What is the dollar limit I can deposit per day for each eligible account?
A: Please call us at 863-494-2220 and one of our Customer Service Representatives will be happy to assist you. We are available Monday through Thursday, from 8 a.m. to 5 p.m. and Friday, from 8 a.m. to 6 p.m. for assistance.

Q: Is there a fee to use Mobile Deposit?
A: First State Bank of Arcadia does not currently charge a fee for Mobile Check Deposit. Standard data fees from your mobile provider apply. Per item fees may apply for commercial mobile check deposit customers.

Q: What do I do if a deposited item is returned?
A: Do not rescan the original check. Please take the returned items into a branch for redeposit or call 863-494-2220, Monday through Thursday, from 9 a.m. to 5 p.m. and Friday, from 9 a.m. to 6 p.m. for assistance.

Q: What do I do with my checks after I make a deposit?
A: It is recommended that you keep the original checks for seven days. Store the checks in a secure location, and do not attempt to redeposit them. First State Bank of Arcadia may request the original check. After seven days we recommend that you safely destroy the deposited checks.

Q: Who can I call with questions?
A: If you need assistance, please call us at 863-494-2220 and one of our Customer Service Representatives will be happy to assist you. We are available for assistance Monday through Thursday, from 9 a.m. to 5 p.m. and Friday, from 9 a.m. to 6 p.m.

Online Statements (top)

Q: What are Online Statements?
A: Online Statements are the electronic version of the paper statements you retrieve on line for your checking and savings accounts. It is an electronic version of your paper statement, including canceled check images, legal notices and the back page of your statement.

Q: How do I sign up?
A: Log in to First State Bank of Arcadia’s Online Banking and select ‘User Services’. Click on ‘Account Statements’. The Electronic Statements Delivery Request confirms that you have read and accepted the bank's Electronic Disclosure Policy. By clicking the ‘Submit for this Account’ or the ‘Submit for All Accounts’ button, you agree to retrieve your statements in electronic-only format and that the bank will discontinue the delivery of paper statements for those accounts. When you want to see your statement, log into Online Banking, to the right of your account you will see ‘Actions’ with a drop-down box titled ‘I want to’. Select ‘View Statement’ and enter the month and year of the statement that you would like to review.

Q: How many statements are available through Online Banking?
A: You can currently access up to seven years of statements via Online Banking.

Q: How will I know when my statement is available within Online Banking?
A: You will receive an e-mail notification when your statement is available to view online.

Q: Do I need to enroll all of my accounts in Online Statements?
A: No, you can enroll which account(s) you would like to set up for Online Statements. You can opt in for one account, several or all accounts in Online Statements.

Overdraft Coverage (top)

Q: How does your Overdraft Coverage work?
A: There are two ways to cover overdrafts, the choice is yours:

  • Establish Overdraft Protection. This service links your checking account to another deposit account you have with us. With this option, overdrafts will be transferred in increments of $5. There is a $5 fee each time money is moved through Overdraft Protection.
  • Personal Checking Accounts can utilize Bounce Proof Services once their account has been established for at least six months and is in good standing. This service allows you to overdraft your account up to the $333 limit which includes $33 per item that is overdrawn, excluding Point-of-Sale debits and ATM withdrawals. Even if you have Overdraft Protection, Bounce Proof Services is available as secondary coverage if the other funds are exhausted.

Text Banking (top)

Q: What is First State Bank of Arcadia Text Banking?
A: Text Banking gives you access to your accounts via text (SMS) messages on your phone. It is a fast, easy way to look up account balances or recent account history by sending a text command to a short code.

Q: What is First State Bank of Arcadia’s short code?
A: All text messages should be sent to 96865.

Q: Can I use both Text Banking and Mobile Banking on my phone?
A: Yes, you can use both options from the same phone. To do so you will need to activate each option on your phone prior to use.

Q: Is Text Banking supported on my phone?
A: Text Banking will work on any text message (SMS) capable phone from one of our supported carriers.

Q: Will I receive unsolicited text messages?
A: No. You will only receive messages when you specifically request them with one of the Text Banking commands or if you subscribe to Mobile Alerts.

Q: What are the Text Banking commands?
A: Click here to view all available Text Banking Commands.