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FAQs

Mobile iBanking:

Do I need to be an iBanking Customer?
Answer

Yes, you will need to sign up for iBanking to be able to take advantage of Mobile iBanking. If you are not already taking advantage of iBanking, go to our website and enroll.

Enroll Now

Will it work on my phone?
Answer

The mobile app will work on Android, iPhone, iPad, Nook, and Kindle. Text Banking will work on any phone capable of texting.

Is there a fee for this service?
Answer

There is no fee for this service. It’s one more way that Foresight Bank gives you more value by banking with us.

What functions can I perform with Mobile iBanking?
Answer
  • View your transaction history
  • View your account balances
  • Transfer funds between accounts
  • Pay bills to existing payees in your iBanking Bill-Pay account
  • View alerts concerning your account(s)
How do I sign up for Mobile iBanking?
Answer

On your phone or tablet go to the "Play Store" (Android) or "App Store" (iPhone, iPad), search for Foresight Bank and select to download the app.

What accounts can I access with Mobile iBanking?
Answer

You can access Checking, Savings, CDs, Loans, and more.

What if I don’t have a Smart Phone?
Answer

You can take advantage of Text Banking! Simply enroll through your iBanking account on your computer: Options > Mobile Settings > Text Mobile Settings and then complete the set up by texting “Yes” back to the confirmation text you receive. Then text 89549 to get the information you need.

Bal = All account balances
Bal Mobile Short Name = Single account balance
Hist = All accounts recent activity
Hist Mobile Short Name = Single account activity

Is Mobile iBanking secure?
Answer

Foresight Bank is very concerned with the safety and privacy of your information and committed to security. To ensure the security of your account information, a number of security features have been built into Mobile iBanking including encryption, passwords, security questions, and automatic log out due to inactivity.

What if my mobile device is lost or stolen?
Answer

If your mobile device is lost or stolen, no one can access your account without knowing your unique password. In the unfortunate event your mobile device is either lost or stolen, report it immediately to your mobile carrier. Then you should immediately log into iBanking from your computer and delete your mobile device’s phone number on the Options > Mobile Settings pages.

What do I need to do if I get a new phone?
Answer

If you simply get a new phone but keep the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, log in to iBanking and update your information on the Options > Mobile Settings page. You will not receive text messages regarding Mobile iBanking transactions if your phone number and carrier are not correct.

How do I know if my transfer or bill payment was entered successfully?
Answer

If you set up text alerts, each time you make a transfer or bill payment a confirmation text message will be sent to your mobile device. If you do not receive a confirmation text message, check to see if a transfer went through by looking at your Mobile iBanking account history and check your bill payment status via traditional iBanking.

What happens if I lose communication/signal during a transaction?
Answer

If you set up text alerts, each time you make a transfer or bill payment a confirmation text message will be sent to your mobile device. If you do not receive a confirmation text message, check to see if a transfer went through by looking at your Mobile iBanking account history and check your bill payment status via traditional iBanking.

How many days of history can I view in the accounts transactions?
Answer

The mobile app defaults to display 15 days. However, this number can be changed by logging into iBanking and accessing Options > Display.

What if I can’t get my mobile device to work with Mobile iBanking?
Answer

To use mobile iBanking, your phone must meet the following minimum requirements:
1. Your mobile device must be web enabled and have an updated operating system.
2. Your mobile network must allow secure SSL traffic. You may need to contact your mobile provider to determine this.

How do I un-enroll from Mobile iBanking?
Answer

If you would like to keep your iBanking account but no longer wish to have access through the mobile app simply remove the app from your mobile device. If you would like to close your iBanking account, please contact Foresight Bank Customer Service.

Text Banking:

What is Text Banking and how does it work?
Answer

With Mobile Text you can view your account balances and the 4 most recent transactions with a text message. To enroll for Mobile Text simply sign in to your iBanking account on your computer, access Options > Mobile Settings > Text Mobile Settings and then complete the set up by texting “Yes” back to the confirmation text you receive. Then text 89549 to get the information you need.

Bal = All account balances
Bal Mobile Short Name = Single account balance
Hist = All accounts recent activity
Hist Mobile Short Name = Single account activity

Can I enroll for Text Banking through my mobile device?
Answer

No. To enroll in Text Banking please log into iBanking and access Options > Mobile Settings > Text Mobile Settings.

Can I use both Text Banking and the Mobile iBanking App?
Answer

If you have a data-enabled phone with texting, you can utilize both services.

How do I get information for a specific account?
Answer

During the enrollment process you designate a mobile short name for each enrolled account. This short name must be included in the text request to get account specific information. For example if the short name for your checking account is "chec" and you wish to know the balance you can text "bal chec" to 89549.

How do I un-enroll in Text Banking?
Answer

Un-enrollment can be accomplished one of two ways. You can text STOP to 89549 or you can log in to your traditional iBanking site and de-select the enroll option in Options > Mobile Settings > Text Mobile Settings.

Mobile Deposit:

What is Mobile Deposit?
Answer

Mobile Deposit lets you make a deposit with your iPhone, iPad, or Android smartphone by taking a picture of your check. If you are interested in Mobile Deposit please contact Foresight Bank Customer Service at 507-534-3131.

Do I need to be an iBanking customer?
Answer

Yes, you will need to sign up for iBanking to be able to take advantage of Mobile Deposit.

What devices can I use to make a Mobile Deposit?
Answer

Mobile Deposit requires a current operating system on a newer model of iPhone, iPad, Android or Windows device. It also requires a data-enabled device with a camera.

Is there a fee for this service?
Answer

There is no fee for this service. It’s one more way that Foresight Bank gives you more value by banking with us.

How do I sign up for this service?
Answer

If you are interested in Mobile Deposit please contact Foresight Bank Customer Service at 507-534-3131.

What types of checks can be deposited?
Answer
  • Only complete, unaltered checks in U.S. currency drawn on a financial institution in the U.S. and made payable to the account owner(s) that have been properly endorsed are accepted.
  • Checks must be dated less than six months from the deposit date to be deposited.
  • The endorsement area will need the payee’s signature(s) along with this phrase "Mobile Deposit."
What are the steps to deposit a check?
Answer
  1. Launch the mobile app and select "Deposit."
  2. Select "Deposit a Check."
  3. Enter the amount of the deposit and select the account for deposit.
  4. At the top of the screen, select "Check Front."  The camera will turn on.  Take a picture of the front of the check following the instructions on the screen.  Select "Use" if the image is clear; otherwise select "Retake."  Repeat the process for the "Check Back."
  5. Select "Deposit."
  6. You will receive a "Deposit Confirmation" once the check has been submitted.  Select "Close."
What is the deposit cut-off time for Mobile Deposit?
Answer

The deposit cut-off time is 5:00 PM Minnesota Time, Monday through Friday. If you submit a mobile deposit after 5:00 PM, or on a non-business day or federal holiday, your deposit will be processed the next business day.

What do I do with the checks once they have been deposited?
Answer

Please keep the checks in a safe place for 90 days after you see the check deposited in your account. This 90-day period assures that you have the check until it has gone through the check-collection system. After that, dispose of the check securely. We recommend cross-cut shredding.

How will I know that my deposit has been received?
Answer

You will receive an e-mail once your deposit has been submitted, telling you that it has been received for processing. Receipt of your mobile deposit confirmation does not mean that the transmission was error-free or that the deposited funds will be immediately available in your account. Check your current Transaction History for confirmation of your deposit.

What happens if a deposited check bounces?
Answer

You will receive our normal mailed response in the event of insufficient funds.

What are some tips to make sure my deposit is made successfully?
Answer
  • Before logging into the Mobile Deposit app, close all other apps running in the background
  • Sign/endorse the back of your check using black ink, along with the phrase "Mobile Deposit"
  • Make sure that the entire check image is visible and in focus – four check corners visible
  • Flatten folded or crumpled checks before taking your photos
  • Take the photos of your check in a well-lit area
  • Place the check on solid dark background before taking the photo
  • The MICR line (numbers on the bottom of your check) must be readable
Are the pictures of my checks stored on the mobile device?
Answer

No, you can view images of your deposited checks for a limited time, but they are not stored on your device.

How do I un-enroll from Mobile Deposit?
Answer

To un-enroll from Mobile Deposit please contact Foresight Bank Customer Service.

iBanking:

What if I forget my login ID or password?
Answer
You are allowed 3 attempts to enter your password. On the third attempt, if invalid, you will be locked out of the system. Immediate access may be regained by calling Foresight Bank at (507) 534-3131 (toll free at 800-443-8605) during regular business hours. You can also regain access online by following the online password reset procedures described in the next two questions. (This procedure not available through the Moble App.)
How do I create my password self-reset questions?
Answer
  1. Sign into iBanking and select Options > Modify Personal Settings.
  2. Enter a current email address or verify existing email is correct.
  3. Fill out the PASSWORD Reset Question and Answer by creating your own question and answer.
  4. Select Submit at the bottom of the page.
What are the steps to reset my iBanking password?
Answer
*Password Self Reset Procedure
  1. Please see "How do I create my password self-reset questions?" item above if you have not already set up your password reset questions.
  2. From the login screen select Reset Password
  3. Complete the information requested: Foresight iBanking ID, email address on file and email subject line (This can be any subject that will help you recognize the email is legitimate and was generated by an inquiry of yours.)
  4. An email will be sent to you with the subject line you entered. You will have 2 hours to activate the password reset link from this email. If more than 2 hours have elapsed please start again at step 1 of the Password Self-Reset Procedures.
  5. Once you open the email select click here.
  6. You will be prompted to enter your Foresight iBanking ID, and the answer to your password reset question, select Submit when complete.
  7. On the last screen enter and confirm your new password.
  8. You can now select Go to Login Page or Close Browser.

*NOT available through the Mobile App

Can I change my login ID or password?
Answer

To ensure your privacy, you may change your login ID or password at any time by selecting the Options Tab.  You will be required to change your password at a minimum once a year.

Can I get copies of my checks or statements?
Answer

Checks that have not been converted by the payee to electronic form are available for the past 6 months for viewing and printing within iBanking.  You are also able to access and print your past 12 months of statements within iBanking.

Can I transfer funds between my Foresight bank accounts?
Answer

Yes, you can transfer funds between any of your Foresight Bank accounts that have been set up for you to view in iBanking.

How can I add or remove accounts from iBanking after initial setup?
Answer

Contact customer service at (507) 534-3131 (toll free at 800-443-8605) during regular business hours or you may stop by in person. You must be an authorized signer on the account.

What software or hardware do I need to get started with iBanking?
Answer

A computer that can access the Internet and Internet browser software.  Upgrade to the latest version or your Internet browser software.

Can I access Foresight iBanking from any computer?
Answer

Yes, because there is no software to download, you can access iBanking through any computer with Internet access.  You may be asked your security questions to validate your identity when logging into a different computer for the first time.

What are the fees for iBanking?
Answer

There are no fees for signing up for iBanking

Bill Pay:

What is Foresight iBanking Bill Pay?
Answer
Bill Pay allows you to pay your bills with the click of a button anytime, anywhere.  You can set up recurring payments or one-time payments for all your bills.  Payments are made electronically when available or with a check.
What are the fees for using Bill Pay?
Answer
  • Consumer Accounts - Bill Pay is free for unlimited bills paid        
  • Farm/Commercial Accounts - $3.00 per month plus $.40 per bill paid                         
How far in advance can a payment be set up?
Answer

Currently, a one-time or recurring scheduled payment can be set up several years in advance.

When are bills paid including holidays and weekends?
Answer

All bill payments are processed twice a day on business days.  The first processing begins at 2:00 am CST, and the second processing begins at 12:00 noon CST.  Any payment entered after the 2:00 am processing, and before the 12:00 noon processing will be processed the same day.

Bills do not get paid on holidays or weekends. If a SCHEDULED bill payment falls on a holiday or weekend, it will be paid on the Friday BEFORE the weekend, or the last working day BEFORE the holiday.

How long does it take for a payment to reach the payee?
Answer

For an electronic payment, allow 3 to 4 business days from when the payment is submitted. For a check, allow 5-7 business days.

When do funds for payments debit my account?
Answer

For an electronic payment, funds are debited the same day that the payment is sent, if the payment is sent before 12:00 noon CST. Electronic payments submitted after the 12:00 noon CST are debited the next business day. Check payment funds are debited when the check clears your account.

What happens if I don't have sufficient funds for a payment?
Answer

If the funds are available, your account is debited for the payment.  If the funds are not available the payment will continue to be attempted until either you have the funds available or you delete the payment.

Can I view payment history?
Answer

Yes, payment history is available by selecting Bill Pay then selecting History.

How will I be billed for Foresight iBanking Bill Pay?
Answer

Your account will be assessed the appropriate Bill Pay fee at the time your statement cycles.

Security:

How can I protect my online information?
Answer

While Foresight iBanking works to protect your banking privacy, you will also play an important role in protecting your accounts. There are a number of steps you can take to ensure that your Foresight iBanking account information is protected:

  • Keep your Password to yourself and do not leave it in an easily accessible area if written down.
  • Change your Password frequently.
  • Do not use account numbers or social security numbers for your password.
  • Remain at your computer until your Foresight iBanking transactions are completed and log out by selecting "Exit".  Log out of Foresight iBanking prior to visiting other Internet sites.
  • If you notice suspicious or unusual activity on your Foresight iBanking accounts, call (507) 534-3131 or toll free 800-443-8605.
Is any of my information stored on my local computer?
Answer

Customer data is not stored on your local drive, the data remains on the bank's host system at all times.

 

Security Policy