Frequently Asked Questions

What is the Customer ID that is required to sign up for Online Banking?
The first time you logon to Online Banking you will be asked to enter a Customer ID which is your Social Security Number and your Password will be either the last four digits of your Social Security Number or the current Pin Code you are using for Telephone Banking.

What is Flushing Savings Bank's Online Banking Agreement?
Flushing Savings Bank's Online Banking Agreement describes the terms and conditions required to use our Online Banking channel. First-time users must read and agree to the terms and conditions of the Agreement before using Online Banking. After your initial acceptance, you are consenting to the Agreement every time you log in to Flushing Savings Bank's Online Banking. Acceptance of the terms and conditions is required to avail of Online Banking.

Is Flushing Savings Bank's Online Banking System secure?
Flushing Savings Bank's Online Banking System Security is very secure. In fact, our Online Banking customers are required to use a browser with the highest form of encryption (128-bit SSL) available for today's popular browsers. That means that information passing from your computer to our server is scrambled, making it virtually impossible for anyone to access your account information.

Why does the system "time out" occasionally?
For your protection, Flushing Savings Bank's Online Banking automatically disconnects after 20 minutes of inactivity. You may change your inactivity period in the "User Options" section of Online Banking.

What are the system requirements for Flushing Savings Bank's Online Banking?
You will need the latest versions of Netscape Navigator or Microsoft Internet Explorer, along with an additional Security download from Microsoft (Service Pack 2) to ensure a Maximum (128-Bit) encryption. You must also have JavaScript enabled on your browser. Click Here for free downloads.

What if I forget my password?
If you forget your password, you will need to call Flushing Savings Bank's Customer Support during regular business hours (8:45 a.m. to 5:00 p.m. Monday through Friday) at 1-800-228-3211 to restore access to the system or contact us via online form.

Why is Online Banking asking me to enter my Current Telephone Banking PIN when I log on with my Customer ID and Online Banking PIN?
We verify your identity each time you log on to Online Banking using an encrypted version of your Telephone Banking PIN which you initially used to sign up for this service. At that time, we required you to change your Online Banking PIN so that it was different from your Telephone Banking PIN for additional safety and security of your account information. If you subsequently changed your Telephone Banking PIN, we can no longer identify you with the encrypted version of your original Telephone Banking PIN. Simply enter your new Telephone Banking PIN when prompted, and the system will update your information automatically and will enable the new encryption of your Telephone Banking PIN. You may then proceed to Online Banking. ENTERING YOUR NEW TELEPHONE BANKING PIN DOES NOT CHANGE YOUR ONLINE BANKING CUSTOMER ID OR PIN. YOU WILL CONTINUE TO USE YOUR CURRENT ONLINE BANKING CUSTOMER ID AND PIN EACH TIME YOU LOG ON TO THE SERVICE.

Can I access Online Banking from any computer?
You can access your Online Banking accounts anywhere you have Internet access and a 128-bit browser. Simply type in your Customer ID and enter your Password. Your Password will never be stored on any computer by Flushing Savings Bank's Online Banking.

Who is responsible when individuals other than myself make transactions from my Accounts using Flushing Savings Bank's Online Banking?
You are responsible for all transfers, payments, and other transactions you authorize using Flushing Savings Bank's Online Banking. If you permit other people to use your Customer ID and Password to access Online Banking you are responsible for any resulting transactions from your linked Accounts. We will not be liable for and will not reimburse you for any losses that may occur as a result of this authorized use of your Customer ID and Password. You are responsible for keeping your Customer ID Number and Password confidential.

Can I look at all of my transactions at any time?
Yes, with Flushing Savings Bank's Online Banking, you have access to your account information 24 hours a day, 7 days a week! The balance and history information is current and the Account Summary transaction information is as of the last business day.

If I don't use bill payment, do I still get charged a fee for using Online Banking?
Online Banking and Bill Payment are free.

How can I add other accounts to Online Banking?
Online Banking allows you to see information on all accounts that are linked to your Customer Information File, such as your checking, savings, CD, IRA, Retirement and Money Market Home Equity Line of Credit and Business Line of Credit Accounts. If you have any questions about your accounts please call 1-800-228-3211.

What is the process for canceling access to Online Banking?
If you no longer wish to have access to your accounts through Flushing Savings Bank's Online Banking, please call Customer Support at 1-800-228-3211. Please be advised that once Flushing Savings Bank has terminated your access to Online Banking, any future scheduled payments/transfers you have set up will be canceled.

Can I view my account history in Online Banking?
Yes, you can access Account History through the Account Summary section of Online Banking.

After I have applied online for Bill Payment, how long is it before I can pay a bill?
Once you have completed the sign-up form on Online Banking, it usually takes about 3 to 5 business days. If you experience any problem please contact our customer support department at 1-800-288-3211.

How long does it take to set up a new payee in the Bill Payment system?
Once you have entered a new payee into the Bill Payment System, you may enter a payment to your new payee immediately.

How are my payments actually processed?
Payments are processed on the day designated by the end user. Our Paying Agent generates the payment by either a paper check or an electronic ACH credit. All payments can be viewed in View Payments; they will appear as "pending", "in process", or "sent".

After I pay a bill online, how long does it take for the money to be debited from my account?
The money will be debited electronically from your account within 2-3 business days starting on the business day following the payment date. If you make a payment on Monday, you can expect the money to be debited from your account by Wednesday or Thursday of the same week.

How long does it take for a payment to reach the payee?
A payment that generates an ACH or electronic payment will take approximately 3 - 5 business days to reach the payee. If the payee is unable to accept electronic payments, please allow 5 to 10 business days for check payments to be received. This is why we request that you schedule payments at least 7 to 10 Business Days prior to the Due Date. We do not take responsibility for processing delays that occur at the Payee.

How do I actually use the Electronic Bill Payment System?
Step-by-step instructions can be accessed by pressing the Help button within Online Banking.

What happens if I pay a bill online and there are insufficient funds in my account?
If a 'non-sufficient funds' (NSF) condition exists, the debit will be returned via banking channels. The payment return will prompt the system to block your bill payment account, preventing you from making more bill payments until the NSF condition is resolved. Any future dated recurring payments scheduled for release during the time the account is blocked will not be sent. You will also be charged a returned check fee and any other fees that may apply.

How can I verify that a payment has been made or cancel a payment?
You may go into the View Payments screen to view, edit or delete a payment. View Payments displays all bill payments that have been sent to the payee. If you need to cancel a payment that has already been transmitted, please contact Customer Service at 1-800-823-7555.

I noticed that a payee address has changed. Why is that?
Payees supply an updated address after a payment is received. When this happens, the address is automatically updated in the Payee Administration area.

Who do I contact if my bill was not paid?
Please contact our Customer Service Department at 1-800-823-7555 to verify where the payment was sent and when. You'll need the confirmation number of the payment (this can be found in the View Payments section of bill payment), payee name, and your bill payment identification number.