Frequently Asked Questions

With 16 banking offices and 17 ATMs located throughout central Connecticut, we're always close by. Our Branch Locator will help you find your nearest branch or ATM, and our hours of operation.

For printed and mailed materials, customers can contact the bank at 877-376-BANK, and we'll make sure you're taken off of our mailing lists. For email communications, click the "unsubscribe" link at the bottom of the email and follow the prompts to be removed or simply send an email to opt-out@farmingtonbankct.com please make sure your name and email address is included.

Call us (toll free) at 877-376-2265. Our business hours are Monday through Wednesday 8 a.m. - 6 p.m., Thursday and Friday 8 a.m. - 7 p.m., and Saturday 8:30 a.m. - 3 p.m.

The routing and transit number for Farmington Bank is 211170347.

Yes. When using your MasterCard® "debit" option with the PIN, the funds are immediately posted to your Pending Transactions and deducted from your Available Balance. Using your "credit" option and your signature, the transactions may take several business days to be posted to your account.

Farmington Bank will observe the following holidays in 2012. Our branch offices will be closed on these days; however, you can always access your account at farmingtonbankct.com or transact at any of our conveniently located ATMs.

Yes.

To export transactions into a personal finance application, complete the Transaction Search options on the Transaction Menu screen. From the Select Export Format drop-down list box, select the appropriate file type from the following list.

• Comma Separated File (.csv)
• Quicken Interchange Format (.qif) - Intuit Quicken™
• Open Financial Exchange (.ofx) - Microsoft Money™
• Intuit's Interchange Format (.iff) - IntuitsQuickBooks™

Then click the "Export" button to complete the process.

Farmington Bank uses a technology called Secure Socket Layers (SSL) to scramble the information that you send us. This technology protects the information you submit or receive through Farmington Bank Online.

Farmington Bank also uses firewalls to limit entry by anyone without proper authorization. A firewall is a security device that regulates the information transferred in and out of a network. The firewall is designed to make sure that communications only occur between approved individuals.

Encryption is a method of scrambling information transmitted over the Internet to protect the users privacy and security. 128-bit encryption is the highest form of encryption available commercially for the Internet today.

Call Farmington Bank’s Customer Support Center at 860-676-4600 or toll free at 877-376-2265 immediately.

Call Farmington Bank’s Customer Support Center at 860-676-4600 or toll free at 877-376-2265 immediately.

Call Farmington Bank’s Customer Support Center at 860-676-4600 or toll free at 877-376-2265 or send an email to info@farmingtonbankct.com.

Information security is the practice of preventing and detecting unauthorized use of your information. Prevention measures help you to stop unauthorized users from accessing your information. Detection helps you determine whether someone accessed your information and how they accessed it (i.e., through email or the Internet).

Computer use is on the rise and many individuals now use computers to perform sensitive transactions. Although you may not consider your activities sensitive or the information stored on your computer confidential, individuals with malicious intent do.

Malicious individuals (also referred to as hackers, attackers or crackers) do not care about your identity. Their motives for breaking into your computer can vary, but they generally fall into the following categories:

• Money
• Industrial Espionage
• Cyber Warfare
• For Fun

Software vulnerabilities are discovered daily. If you do not fix these vulnerabilities by applying the latest software patches, they will provide malicious individuals with an avenue to break into your computer. When vulnerabilities are discovered, software vendors usually develop patches to fix the vulnerabilities. However, it is up to you to obtain and install the patches, or correctly configure the software to operate securely.

Secure login uses multifactor authentication to help protect you against identity theft and fraud. It allows you to register computers that you frequently use to access your bank account online. If you attempt to log in to your online account from an unregistered computer, you will have to undergo further authentication steps before accessing your bank account. This prevents attackers from using just your username and password to access your information.

Farmington Bank uses Macromedia Flash Objects to register your computer for online banking. Flash Objects stores data on your computer, which is used to authenticate your computer.

• 1. Trojan horse programs - Trojan horse programs are a common way for attackers to trick you (sometimes referred to as "social engineering") into installing "back door" programs. These can allow intruders easy access to your computer without your knowledge, change your system configurations, or infect your computer with a computer virus.
• 2. Back door and remote administration programs - On Windows computers, back door or remote administration programs allow attackers to access and control your computer.
• 3. Denial of service - A denial-of-service (DoS) attack causes your computer to crash or become so busy that you are unable to use it. Generally, the latest patches will prevent the attack. It is important to note that in addition to being the target of a DoS attack, it is possible for your computer to be used as a participant in a Distributed DoS attack on another system.
• 4. Mobile code (Java, JavaScript, and ActiveX) - These are programming languages that let web developers write code that is executed by your web browser. Although the code is generally useful, it can be used by intruders to gather information (such as which websites you visit) or to run malicious code on your computer. It is possible to disable Java, JavaScript, and ActiveX in your web browser. We recommend that you do so if you are browsing websites that you are not familiar with or do not trust. Also be aware of the risks involved in the use of mobile code within email programs. Many email programs use the same code as web browsers to display HTML. Thus, vulnerabilities that affect Java, JavaScript, and ActiveX are often applicable to email as well as web pages.
• 5. Cross-site scripting - A malicious web developer may attach a script to something sent to a website, such as a URL, an element in a form, or a database inquiry. Later, when the website responds to you, the malicious script is transferred to your browser. You can potentially expose your web browser to malicious scripts by following links in web pages, email messages, or newsgroup postings without knowing what they link to, using interactive forms on an untrustworthy site, or viewing online discussion groups, forums, or other dynamically generated pages where users can post text containing HTML tags.
• 6. Email spoofing - Email spoofing is when an email message appears to have originated from one source when it actually was sent from another source. Email spoofing is often an attempt to trick the user into making a damaging statement or releasing sensitive information (such as passwords.

Phishing is a method by which an attacker tries to acquire sensitive information by posing as a legitimate entity. The purposes vary, but they usually aid in identity theft and social engineering. Phishing generally takes the form of an email.

Regular email (e.g. Hotmail) is not a secure method to send email. Farmington Bank cannot guarantee the security of other email systems and recommends that customers use our secure messaging platform. For further instruction, view our Secure Messaging Procedures.

• Update Web Browsers and Enable Security Features
• Install Antimalware Software and ensure that your firewall is turned on
• Protect Personal Information by looking for encrypted web pages. Encrypted web pages should have a web address that begins with “https” and a padlock icon in the Internet browser’s status bar (this location will vary by browser type).
• Beware of Instant Message Links and Email Attachments
• Be Suspicious of Internet Downloads. If anything seems too good to be true, it probably is.
• Log in to your online accounts regularly and check for suspicious activity.
• Tear up and shred credit offers, ATM receipts and other types of sensitive information
• Sign up for electronic statements to stop receiving paper statements via regular mail.

Farmington Bank Online Banking gives you 24/7 access to many of the banking services you need, from wherever you are. Access and review your transaction records, pay bills with online bill pay, transfer funds between accounts, order checks, and more.

Farmington Bank Online Banking allows you to:

• Check your balances
• Transfer funds electronically between accounts
• Review statements and other account information
• Send email to us
• View your check images
• Place a stop payment on any check you wrote on your Farmington Bank account (not bill payments)
• Download information to a personal finance software program such as Quicken™ or Microsoft Money™
• Enroll for Farmington Bank Bill Pay

Farmington Bank Online Banking is a free service. There is no charge.

You can read the full terms and conditions in the Farmington Bank Online Banking Agreement and Electronic Funds Transfer (EFT) disclosure.

After you enter your Access ID, you will be prompted to enter your password on the next screen. This is to ensure the privacy and security of your personal information.

If you have additional questions about Farmington Bank Online Banking or Farmington Bank Bill Pay, help can be found by clicking the Help button on Farmington Bank Online Banking. You may also visit any of our branch locations, or contact us at info@farmingtonbankct.com or by calling our Customer Support Center toll free at 860-676-4600.

Not to worry. Click on Forgot Password in the online banking log in screen to retrieve your password. For your security, your Online Banking access will be blocked after three unsuccessful access attempts. To unblock access, or to request a new PIN for Online Banking, please call us at 877-376-2265.

In order to enroll for Farmington Bank Online Banking you must have a Farmington Bank account and access to a computer with Internet access. If you are not currently a customer, please visit one of our branch locations to open your account.

Before you begin, your browser must meet certain requirements:

• You must have 128-bit encryption. 128-bit Encryption is the scrambling of information transmitted over the Internet, ensuring privacy and confidentiality. This is to ensure the security of your personal financial data. Click here to perform a browser security check. If your current browser does not support 128-bit encryption, visit the following browser areas and download the appropriate browser.
• To get the most out of the online banking experience, the minimum requirements are Microsoft Internet Explorer 5.5, service pack 2 (Windows), or Internet Explorer 5.5 (Macintosh), or Netscape Navigator 6.2 or higher.
• Your screen resolution should be set to 800 x 600 resolution for the best viewing of Farmington Bank Online Banking.

To sign up for Farmington Bank Online Banking simply log on to www.farmingtonbankct.com and click on the First Time User logo. Read through the Farmington Bank Online Banking agreement and Electronic Funds Transfer (EFT) Disclosure, and click "I Accept". Fill out the information on the screen completely. All fields marked with an * are required. You need only use one of your account numbers to register. If you wish to enroll for our Farmington Bank Bill Pay feature simply indicate this with a "Yes" at the bottom of the screen.

Farmington Bank Online Banking is available for you to enroll today. Once you enroll, simply click on the Log In button on www.farmingtonbankct.com and enter your Access ID and Password. You will be asked to change both your Access ID and Password the first time you log in to Farmington Bank Online Banking for additional security.

Farmington Bank Online Banking is available 24 hours a day, 7 days a week.

On average, it should take between ten to fifteen minutes. To make the process go faster, you and your co-applicant (if applicable) might want to have some specific information on hand before you begin the online application such as:

• Social Security number
• Connecticut driver’s license number
• Employer’s address and phone number
• Account information for the account from which you will fund your new account. Please note: this account must be in your name.

In addition, we will ask you a few questions taken from your credit report to validate your identity, but rest assured that you do not need to have a copy of it with you to complete the application.

Finally, knowing what type of checking account you wish to open before you begin the application process will also make the process go faster.

Some fields are required because it is basic information needed to complete the checking account application, and much of it is information you already supply for other purposes. The US Patriot Act and other Federal laws require us to gather information that will validate an applicant’s identity.

We are required by federal and state law to make you aware of your consumer rights and any fees that your banking activities may incur.  The acceptance of these disclosures is a condition to opening your account.

Yes. We are required by federal and state law to provide the online disclosures in a format that you can retain for your records.  These are always available on our website.

You can save your application and return to it later. When you do so, you will create a user id and password to come back and pick up where you left off.

Each page has a button that says Next or Continue; simply click this to go forward. In some cases, you may need to read and accept a Disclosure statement for your protection. If you click the Decline button, you will be told that you cannot continue unless the Accept button is clicked.

Click your browser’s Back button. The progress bar on the left side of the screen will show which page you are on.

For your protection, we have a 10 minute time limit for inactivity before our website ends your session. If you should need to step away or need more than 10 minutes, just save your application and come back to it when it's convenient.  When you save your application, you will create a user id and password to come back and pick up where you left off.

Yes you can. You will need to log in with the username and password you created when you saved your application.

Call our Customer Support Center at 860-284-6571 (new customers) or 860-284-6576 (existing customers) or start a new application from the beginning.

Unfortunately, NO. Once your account is opened, we will need to verify your ownership of the funding account within 10 days and you will need to print, sign and return the Signature Verification Form within 30 days.

Some are a result of Federal regulations but we are most concerned about your security. We need to make sure the information being provided is accurate and that it really is you on the other end of the transaction.

Your initial deposit can range from $50 to $1,000. The deposit will be in the form of an electronic funds transfer (EFT) from an existing account which must be in your name.

Mobile banking is the ultimate in on demand service.

Log into Internet Banking using your Internet Banking Access ID and Password:

• In "Access ID" field, enter your Internet Banking Access ID, and Click "Submit"
• If prompted, answer your Internet Banking "Security Challenge" question and Click "Submit"
• Verify your Internet Banking "Authentication Image"
• In "Password" field, enter your Internet Banking Password and Click "Submit"

Once you have successfully logged into Internet Banking, select "Mobile Banking Enrollment" from "Options":

• Click "Options", on Main Menu bar Click "Mobile Banking Enrollment, from "Options" drop down menu

Once you have successfully navigated to the "Mobile Banking Enrollment" page, complete the following fields:

• Mobile Phone Number: In this field, enter your mobile phone number including area code
• Carrier: From this drop down field, select your mobile service provider
• Mobile Banking PIN: In this field, enter a 4 digit PIN of your choosing
• Confirm Mobile Banking PIN: In this field, re-enter your PIN
• Click "Submit"

Once you have returned to the "List of Accounts" page of Internet Banking, note the following message as confirmation that mobile enrollment was successful:

• "Mobile Banking Enrollment Completed Successfully"

Log off of Internet Banking:

• Click "Log Off" on main menu bar

Once Mobile Enrollment is complete, you will receive the initial text message on your mobile device from pcbank@fib.com:

• Here is your OTP (One Time Password) ###### Click here to log in, http://firstinterstate.mobi

Once you have received your One Time Password (OTP) and Web Address/Link via the initial text message, note your OTP and log into Mobile Banking from your mobile device via the Web Address/Link included in the text initial message:

• Note your One Time Password (OTP)
• Browse to web address from your mobile device or click on the link if your mobile device has this capability.
• Access ID: Enter your I-Bank Access ID One Time Password: Enter your OTP included in the initial text message you received Mobile PIN: Enter the PIN you just created during the Mobile Banking enrollment process
• Click "Submit"
• Note: Make sure you "Log Off" when you are finished.

After every log in, you will receive a new text message from pcbank@fib.com containing a new One Time Password (OTP) and Web Address/Link to Mobile Banking site for the next time you log in.

• Your one time password is #####
• https://mobi.firstinterstatebank.com/mbi_mbi1151/mbi1151.aspx?RID=3000&RTN=092901683
• It is recommended that the web address be saved to internet favorites on your mobile device.

If you accidentally delete a text message, which includes your One Time Password (OTP) and Web Address/Link, you can request another One Time Password (OTP) and Web Address/Link text message by browsing to our mobile banking site from your mobile device:

• Browse to https://mobi.firstinterstatebank.com/mbi_mbi1151/mbi1151.aspx?RID=3000&RTN=092901683
• Click "One Time Password"
• Access ID: Enter your Internet Banking Access ID
• Click "Submit" and a new One Time Password (OTP) and Web Address/Link text message will be sent to you.

Special rules apply for Money Market and Savings Account withdrawals. You can make no more than 6 preauthorized transfers, telephone transfers, or Internet banking transfers from the account per month. You can make as many over-the-counter withdrawals as you wish. We will monitor compliance with these limitations based on the date on which the transfer was made. Pre-authorized transfers made to pay loans you have with us are not counted as part of the six transfers we permit you to make.

When you make a transfer using Farmington Bank Online that transfer is credited to your account and available to you immediately. You can verify all transfers made under the Current Business Day Activity. NOTE: Balances reflected on the ATM network are delayed by one business day.

Yes. Recurring transfers, those that are made on a regular basis such as weekly, bi-weekly, or monthly, are set up by selecting the account you will be transferring out of from the List of Accounts. Select New Scheduled Transfer from the Transfer Menu. Complete all necessary information on the screen including the date of the transfer, frequency of the transfer, the amount, and the number of times you would like this transfer to be made. Additional information can be found in our online help screens.

If there are not sufficient funds in your account to make a transfer on the scheduled date, we will continue to try to make the transfer daily until funds become available unless you notify us to discontinue. To discontinue, you must delete the transfer by 6:00 p.m. on any business day.

It's the fastest, easiest way to pay your bills. Rather than writing paper checks and mailing them in, you can pay bills with just a few clicks of your mouse. Bill Pay enables you to set up recurring payments, such as your regular monthly expenses and have them paid automatically. It's available to all of our Online Banking customers. Sign up for Bill Pay within your online banking tool. 

Farmington Bank eStatements are the greener alternative to the mailed paper statements that most banks send out. They save trees and fuel, while giving you up-to-date account information at your fingertips.

Fill out the enrollment form to get set up for electronic delivery.