Start Of Main Content
We have adopted a policy designed to give You prompt access to your deposited funds. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and Bank Holidays. Deposits made by mail must be directed to the following address: State Farm Bank, F.S.B., P.O. Box 2316, Bloomington, IL 61702-2316. Deposits cannot be made in person or at any other address, including any office of a State Farm agent.
State Farm Bank deposit accounts are FDIC insured.
There is a 3:00 p.m. Central Time cutoff for deposits received in the mail. Funds from the following mailed deposits are available for all purposes on the first business day after the day of your deposit:
Other delays may apply.
We will generally make the first $200 of your deposit available on the first business day after We receive your deposit. In some specific instances, however, We may delay availability of some or all of the funds.
The following specific instances, funds from your deposit may be delayed for a longer period. We reserve the right to hold funds in any account that You may have with Us, even if the funds giving rise to the delay were deposited into another account.
If We are not going to make all of the funds from your deposit available on the first business day after the day of your deposit, We will mail You a notice the first business day after We receive your deposit. We will also tell You when funds will be available. Funds may not be available until the eleventh business day after the day of your deposit or the eleventh business day if deposited at an ATM not owned by State Farm Bank.
If You are a new customer, the following special rules will apply during the first 30 days your account is open:
If You believe that You have suffered a loss relating to a substitute check that You received and that was posted to Your account, please call Us at 877-SF4-BANK (877-734-2265), if You are deaf, hard of hearing, or do not use your voice to communicate, You may contact Us via 711 or other relay services, or write to Us at P.O. Box 2316, Bloomington, IL 61702-2316. You must contact Us within 40 calendar days of the date that We mailed (or otherwise delivered by a means to which You agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if You were not able to make a timely claim because of extraordinary circumstances. Your claims must include:
State Farm Bank®, F.S.B., Bloomington, Illinois ("Bank") is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and may be subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit an application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank's underwriting standards for each type of credit or service offered by visiting statefarm.com® or by contacting the Bank at 877-SF4-BANK (877-734-2265); If you are deaf, hard of hearing, or do not use your voice to communicate, you may contact us via 711 or other relay services. To apply for a Bank product, you may also see your participating State Farm agent.