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Frequently Asked Questions

Mortgage Questions:

Q. What are the current mortgage product rates?

A. Each product is unique unto itself, and we have many loan products to fit the wide array of customer specific scenarios. Please contact your branch Loan Officer for product information and quotes that will best fit your individual needs.

Q. How do I get qualified for a Mortgage Loan?

A. You may contact your nearest branch to speak with one of our Loan Officers who can help you with the application process.

Q. What is the approximate time to complete a mortgage loan, from start to finish?

A. The time to process a mortgage loan from application to closing can vary depending on the required processing that is required for each individual loan.

Q. What are the requirements to refinance a current mortgage loan; will I need another appraisal?

A. In most instances you will need another appraisal, but please check with your Loan Officer for details about your specific situation.

Q. I have changed my current Employment, what will I need to provide the bank for my loan file?

A. Typically, we will need your first 30 days of pay stubs. That will show your year- to-date salary amounts. We will also need current contact information for verification. Other underwriting guidelines may apply.

Q. Can I still get a mortgage loan after I have filed bankruptcy?

A. This answer will vary depending on the type of loan, individual circumstances involved, and current underwriting guidelines. You would need to speak with one of our Loan Officers as each customer situation can vary.

Electronic Banking FAQs

Q: What if my debit card is lost or stolen?

A: Contact us immediately at 1-877-418-2669. If after hours, contact the lost/stolen card division at 1-800-528-2273.

Q: How can I activate my debit card?

A: Your card can be activated by calling 1-877-296-2736 or by conducting a transaction at any First Savings Bank ATM. You can also activate your card by making a purchase at a merchant using your PIN.

Q: I’m going on vacation and plan on using my debit card. What should I do?

A: To avoid the possibility of your card being blocked due to unusual activity, please contact any First Savings Bank branch and have the following information ready:

  • Name as it appears on the card
  • Card number
  • Dates of travel
  • States or Countries of travel
  • Phone number in case of any questions about transactions

Credit card customers should call 1-800-367-7576


Q: Do you have telephone banking?

A: Yes, please contact your local branch to obtain your User ID and initial PIN, and then call 1-800-436-5149 to access the Voice Banking System.

Q: I am locked out of online banking, what should I do?

A: Please contact your local branch for assistance.

Q. How do I start banking online?

A. If you have a First Savings Bank checking account, you can start banking online. Go to www.fsbbank.net and click on “Click Here to Login”. Then click on “Setup Your Info” in the “New Online Banking” section.

Q. I don’t want to receive paper statements. Can I receive them electronically?

A. Yes. Simply logon to online banking, go the “Accounts” tab and select the “e-Statements Go to the “New Online Banking” section and” option and follow the prompts.

Deposit Account FAQs

Q. What is the minimum opening deposit for your checking and savings accounts?

A. Most of our accounts require a minimum opening deposit of $100. Refer to our comparison chart < insert a hyperlink here to view the image of the checking matrix from Checking-Personal.> for product features and pricing.

Q. Do you offer accounts for children and teens?

A. We offer a First Step savings account for children 18 and younger. This account requires a qualifying adult on the account to open. We also offer a Student checking account. This account requires an adult joint owner up to the age of 18. Both of these accounts help teach children the value of saving money.

Q. Can I open an account at First Savings Bank if my account has been reported to ChexSystems?

A. Yes. Please inquire at any First Savings branch for our ChexSystems guidelines and account options.

Q. Can I receive combined monthly statements?

A. Yes. Stop by or call any branch for details.

Q. Will I receive my cancelled checks with my statement?

A. You can view and print the front and back of your cancelled checks online, free of charge, when you sign up for Online Banking. With most accounts you will receive reduced-size images of the front of your canceled checks with your monthly statement. To receive images on some accounts, a $2.00 monthly fee applies.

Q. How do I change my address?

A. To change your address, please call or visit your local First Savings Bank branch.

Loan Questions

Q. What is my loan balance?

A. Loan balance can be found in online banking or by contacting Loan Operations.

Q. What is my loan payoff?

A. Payoffs must be quoted by loan operations.

Q. I just paid off my loan. When will I receive my title?

A. The title will be mailed along with a paid thank you letter with a note stamped paid in approximately 7 – 10 business days after the loan has been paid off.

Q. When will I receive my refund on my loan payoff?

A. Any refund will be mailed along with a paid thank you letter and note stamped paid in approximately 7 – 10 business days after the loan has paid off.

Q. When will I receive my escrow refund?

A. Escrow refund checks will be mailed approximately 7 – 10 business days after the loan has paid off.

Q. Has my escrow payment been made?

A. Please contact Loan Operations.

Q. What do I need to do to renew my loan?

A. Please speak to your Loan Officer regarding a renewal.

Q. Can I get my late fees waived?

A. If a late fee is due to a First Savings Bank error, Loan Operations can correct the payment and reverse the late fee. If the late fee is due to customer error, the Loan Officer will have to approve. Late fees being waived will vary based on the reason.

Q. How much interest did I pay last year?

A. Please contact Loan Operations.

Q. Can I pay my loan payment ahead?

A. Loan Operations can set the customer’s loan payment to allow pay ahead up to 1 month. Anything over 1 month will go to additional principal.

Q. Can my additional payment go towards principal?

A. Yes, Loan Operations can set the loan payment to allow anything over regular payment to go towards additional principal.

Q. Can I make a payment over the phone?

A. Loan Operations can transfer funds from an internal checking or savings account over the phone per customer request. There is a $5.00 phone transfer fee. We can also make a one-time external ACH transfer with a charge of $5.00 and a phone request must be recorded. We do not take credit card payments over the phone.

Q. What is my loan payment amount?

A. The amount should be available through online banking or by contacting Loan Operations.

Q. When is my loan payment due?

A. The due date should be available through online banking or by contacting Loan Operations.

Q. When does my loan mature?

A. Please contact Loan Operations.

Q. Has my payment been received?

A. The answer should be available through online banking or by contacting Loan Operations.

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