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First State Bank of De Queen


First State Bank's iPay product allows you to pay virtually anyone or any company from the convenience of your FSB i-Banking portal, or through the FSB mobile banking app. You determine who you pay and when, without the hassle of dealing with buying stamps or making sure the "check's in the mail."

iPay FAQ

General Information

Whom can I pay through Online Bill Payment?
You can pay ANYONE in the United States from the next door neighbor, the utility company, the bank, and even a child in college across the country.
How late in the day can I enter, edit, or delete a payment?
You may add, edit, or delete payments scheduled Sunday through Friday until 10:00 PM CST the day before the scheduled payment date.

What happens if I have a scheduled payment that falls over a weekend or holiday?
Scheduled payments that fall over a weekend will be processed on Friday evening. Any new payments that are scheduled over that particular weekend will be processed on Sunday night. Holiday processing occurs the day following the holiday.

Are there any merchants that I cannot pay through the bill payment service?
Yes. You cannot pay any government agency.

Can I use Online Bill Payment if I live outside the United States?
Yes, as long as you have a bank account in the United States.

Can I get a copy of a cancelled check?
You can request a copy through Customer Service. There may be a fee associated with this service.

How long is history retained in the VIEW PAYMENT HISTORY section?
Payment History records are kept for one year.

What happens if I lose or forget my ID or PIN?
If you lose or forget your ID, you may call Customer Service and with proper identification your ID will be given to you. If you lose or forget your PIN, you must follow the same procedure and a new PIN will be generated and mailed to you.

Is there a charge for using Bill Pay?
Yes, to cover costs in processing your payment, there is a $ 5.00 monthly service charge. However, as a courtesy to our valued customers, your first six months are free.

Payee Information

Payee, a definition
A payee is anyone to whom you would pay a bill or send a check. The most common payees include utility companies, your landlord, mortgage company, department stores, and credit card companies. Payees also can include individuals such as the person who mows the lawn, the local grocery store, and your favorite charitable organization.
How many payees may I have set up?
You may have up to 99 payees that you can set up through the internet. If you need more than 99 payees, please contact Customer Service.

When will the money be taken out of my account?
The money will be withdrawn out of your account approximately two business days after the payment date you have set.

What if I do not have enough money in my account?
Your bank will treat bill payment items just like any other check that you write. Should the item be returned, a hold may be placed on your bill payment service. It will be subject to NSF or Bounce Protection charges as is a regular written check.

Can I edit vendor addresses?
No. You will have to set up a new vendor with the correct address and delete the old one.

How do I know if a merchant is electronic or check?
Once you have set up the vendor/merchant, then you can look at the VIEW PAYEES screen and you will see a field that will tell you if the vendor is electronic or check.

Can I set up recurring payments?
Yes. You can set up recurring payments in the following frequencies:WeeklySemi-MonthlyMonthly
Will the memo field that I fill out when setting up a payment be passed on to the merchant?
No. The memo field is for your personal records, however the account number that you entered when you added the payee to your Personal Payee List is printed on the check. This allows the payee to know which account to apply the payment to.

Payment Information

Due Date
The due date is the day your payment must be received by the payee, not including your grace period. The due date is usually located in the bill you receive in the mail from the payee.
How far in advance should I set up a payment to insure it is paid on time?
Check payments should be scheduled 10 business days in advance of payment due date. Electronic payments should be made 4 business days prior to the payment’s due date.
*NOTE - You may want to set up a payment to yourself so you can see how the system works.

Are there any minimum and maximum payment amounts?
Yes. The minimum amount you may make a payment for is $0.01. There is a maximum daily limit of $15,000.00. This maximum limit applies to bill pay items that are drafted from your account on a single day.

Scheduled Date
The scheduled date is the day you would like First State Bank of DeQueen Online Banking to start the process of sending your money to the payee.

How far in advance can I schedule payments?
You may schedule payments up to 90 days in advance of the first due date. Recurring payments can have an end date of any year in the future.

Can I have multiple payments to the same payee on the same day?
Yes. You can make multiple payments to the same payee as long as the payment amounts are different. For your protection, the system will not pay duplicate items in the same day.

Can I stop payment?
Yes. You will need to call Customer Service.

On the Payment History page, what does the "Status" field indicate?
Following is a table of the available status values and their associated definitions:
 Status Value Definition
PENDING The payment has been processed, but not yet sent.
PROCESSED The payment has been processed and sent.
HOLD The payment has a research request on it. This usually means the payment is incomplete, but can be processed when the issue is resolved.
STOPPED The consumer has or the Bill Payment service has stopped the payment and the payment cannot be processed again.