Accessing Bank Accounts

Overview

Online

Free Online Banking Comes With Every State Farm Bank® Account

Our online banking experience combines security and flexibility to provide you with the ability to bank how, and when, you want. Some of the exciting features available with online banking are listed and explained below.

• Access State Farm Bank from anywhere, anytime!

  Registration is the first step in unlocking the information and functionality of our online banking. It takes only five minutes, and you can gain access to all accounts you have with State Farm Bank. Register now.

Deposit Products

• Pay Your Bills Without Paying Postage

  State Farm Bank offers a feature-rich, easy-to-use bill payment process. You can:

  • Use our calendar-based payment system to determine how quickly a business is able to accept payment.
  • Browse the list of hundreds of pre-populated companies to select your payees, or create your own payee.
  • View and print e-bills. Keep all of your records in one safe place.
  • Specify payment options for specific payees or e-bills (manual, automatic in response to an e-bill, or automatic at regular intervals).
  • View past payments, pending payments, and pre-defined or custom reports.
  • We also offer expedited payments via an overnight check. Some of your payees can receive your payment electronically on the same day or the next day. Before using expedited payments, use the Smart Calendar on the Make Payment screen to verify the delivery date of your payment and determine whether an overnight check is necessary. "Learn more" in our Internet Bill Payment Terms and Conditions or Expedited Payments Overnight Check Terms and Conditions.)

• Instantly Make Transfers Between State Farm Bank Deposit Accounts

  Electronic transfers between your State Farm Bank checking, savings, and money market accounts (internal transfers) scheduled for “once, now” are immediately reflected in your balance when executed. These funds are immediately available for use. Scheduled and recurring transfers are also available. Learn more in our Electronic Funds Transfer Customer Agreement. 

• Transfer Money To Accounts Held At Other Institutions

  Electronic transfers can be made between your State Farm Bank account(s), and your accounts held at other financial institutions (external transfers) are available after the external accounts have been established and ownership verified. External transfers can be used to “push” funds from your State Farm Bank account to another institution, or used to “pull” funds into your State Farm Bank account from an account held at another institution. Scheduled and recurring transfers are available. Learn more in our Electronic Funds Transfer Customer Agreement. 

• Person-to-Person Electronic Transfers

  From the “Make Payment” screen, you can send money to friends, family, or anyone else who has provided you with his or her account and routing number. This payment method allows an electronic transfer from your account to someone else’s account. It is a perfect way for parents to send money to their children, reimburse a friend, or use in numerous other ways – and it’s free!
  
  Don't have the routing and account number available? No problem! You can also transfer funds to anyone with an email address or mobile phone number using the PayPal™ network. In order for the recipient to receive the funds, they will need to set up a PayPal account or have one already established. Enjoy the convenience of paying others anytime, anywhere!

• Deposit Checks Online

  Do you want to make a deposit without visiting an ATM? With State Farm Bank, making a deposit online is easy! If you have an Internet connection and a scanner (or a smartphone – see Mobile), you can utilize MyTime Deposit® to deposit funds from anywhere. Learn more about depositing funds using a smartphone or scanner with MyTime Deposit.

• Quickly Open Additional Accounts

  If you already have an account, opening a new account is a breeze and you can transfer money from your existing account to the new account as the opening deposit!

• Create Custom Alerts Based On Account Activity

  Email and text alerts are available to notify you of account- and service-related activities. Two email addresses and one mobile phone number can be entered into the system to receive alerts. The alerts currently available are listed below.

  Account Alerts

  • Check #___ Processed
  • Deposit of $___ Processed
  • Starting Balance is Above $___
  • Starting Balance is Below $___
  • Transfer Failed
  • Transfer Processed
  • CD Maturity

  Service Alerts

  • Contact Information Changed
  • New External Transfer Account
  • New Statement Available

  Sign Up Today

  • Log into statefarm.com.
  • Click on one of your bank accounts.
  • Click on the “Customer Service” tab.
  • Under “Contact Options”, click on Manage Alerts.

• Send Secure Messages To Customer Service

  If you have a question about your account, it is easy to send a message to a State Farm Bank customer service representative. The State Farm Secure Messaging Center is available to both State Farm Bank and State Farm Insurance customers.

• View Detailed Account Transaction Information

  Information such as date posted, check number, description, amount, transaction type, category, and personal note are available to view for checks, point-of-sale purchases, and other transactions. Fifteen months of available history helps assure that your information is there when you need it.

• View Checks You’ve Written

  Images of checks that have cleared your account are immediately available to view or print. Checks are available to view for 3 months.

Mobile Banking

Wherever you go, mobile banking with State Farm Bank® is there. It’s powerful banking – anytime, anywhere – in the palm of your hand.

Text Banking

We've made it easier than ever to stay connected to your State Farm Bank account. Text banking is secure and a breeze to set up. If you have a State Farm Bank Visa^® CheckCard, ATM card, or credit card, you can sign up to receive alerts. Then just send us a text message to find out your account balance, latest transactions, payment due date, and more.¹

Getting Started

Setting up text banking takes just a few minutes. Register for an online account or log in now and click on the "Customer Service" tab in your bank account or the "Alerts" tab in your credit card account. You can also choose to receive Fraud Alerts via email or text.²

For Checking and Savings – Text 42265 (4BANK)

• BAL – Account balance
• BAL CHK or BAL SAV – If you have both checking and savings tied to your card
• MINI – Returns last five transactions
• MINI CHK or MINI SAV – If you have both checking and savings tied to your card

For Credit Cards – Text 732273 (SFCARD)

• BAL – Current balance, available credit
• AVAIL – Available credit, available cash
• BILL – Last payment amount/date and minimum payment due/date
• TRANS – Last three credit transactions
• MORE – Returns three additional transactions
• HELP – Returns information regarding alerts and customer service contracts
• MENU – Returns a list of commands
• STOP – Disables text alerts for credit cards

Have questions? Please call us toll free at 1-877-SF4-BANK (1-877-734-2265) for checking and savings or 1-877-SF4-VISA (1-877-734-8472) for credit cards.

Automated Phone

As a State Farm Bank® customer, you have the option to use our automated banking system with speech recognition technology. By simply speaking, without having to push any buttons, you can:

• Get account balances.
• Get account activity.
• Get year-to-date and prior year interest.
• Place a stop payment on a check.
• Get loan payment information.
• Transfer funds from a State Farm Bank deposit account to your loan account.
• Get loan payoff information.
• Change your ATM/CheckCard PIN.
• Speak to a representative.

How to Get Started

Call 1-877-SF4-BANK (1-877-734-2265) and say ‘Access My Account‘ to begin. The automated phone banking system will guide you through the simple one-time enrollment process.

You’ll be asked to provide the following information so we can verify your identity:

• Your account type, such as loan, checking, savings, or CD
• Your 10-digit account number
• Your PIN

Once your identity has been verified, the system will establish your voiceprint¹:

• You will be asked to speak the digits one through nine three separate times.
• You will need to provide a special date (month and day) that is easy for you to remember but not your birthday.
• Finally, you will record a hint to help remind you of the date you provided.

When you call to enroll, the system will walk you through this simple process in order to establish your voice print. During each subsequent call you make to State Farm Bank, we will simply verify your identity with your voice print and you’ll be ready to perform any of the above actions.

• ¹ Voiceprint enrollment is not applicable for Mortgage and Credit Card account access.

ATM Banking

Withdrawals, Transfers, and Balance Inquiries

Withdrawals, transfers, and balance inquiries can be made at ATMs that display the NYCE®, VISA®/PLUS, PULSE®, or STAR® logos. Click on the images below to find an ATM near you.

Deposits

Deposits can be made at ATMs owned by State Farm Bank® or at full-service ATMs that participate in deposit sharing and display the NYCE, STAR, or PULSE logos.

Deposit sharing is when a financial institution agrees to accept deposits for other banks. Deposit sharing can be either intrastate (within the same state) or interstate (national).

The availability of this function is determined by each individual institution that owns/operates the ATM. Each financial institution can choose whether they want to participate in deposit sharing on a state level, a national level, or not at all. There is no way for State Farm Bank to regulate or control availability since the financial institution that owns the ATM can change their options at any time.

The number of ATMs that will accept State Farm Bank deposits varies greatly from state to state. Currently, State Farm Bank customers can only make deposits at full-service ATMs that participate in deposit sharing and display the NYCE, STAR, or PULSE logos. State Farm Bank is based in Illinois; therefore customers residing outside of Illinois can make deposits only at machines participating in interstate deposit sharing and displaying the NYCE, STAR, or PULSE logos.

ATM Surcharge Rebates

State Farm Bank will not charge customers for the use of ATMs not owned by the Bank (considered foreign ATMs). Further, the Bank will rebate a foreign ATM surcharge imposed by the ATM owner in any amount assessed against a State Farm Bank Checking, Interest Checking, or Money Market Account provided that there is a direct deposit via an Automated Clearing House (ACH) credit into that account during the statement cycle of the foreign ATM transaction. If there has been no direct deposit via an ACH credit into the State Farm Bank Checking, Interest Checking, or Money Market Account during the statement cycle, the Bank will rebate up to a total of $10 in foreign ATM surcharges per account per statement cycle. State Farm Bank Savings Accounts will be rebated up to a total of $10 in foreign ATM surcharges per account per statement cycle. For International ATM Fees incurred travelling outside of the U.S., please call Us at 1-877-734-2265 to have your rebate applied to your account. For those customers who receive up to $10 per statement cycle, the amount of the International ATM Fee Rebate will be deducted from your $10 benefit.

When you use an ATM not owned by Us, You may be charged a fee by the ATM operator and You may be charged a fee for balance inquiry even if You do not complete a fund transfer.

State Farm Bank will impose a fee to non–State Farm Bank issued cards for withdrawing cash from a State Farm Bank ATM.