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State Farm Bank® FAQs

Here you'll find answers to questions about our bank products.

Need help with everyday account tasks? Please visit our Managing My Account page.


State Farm Bank deposit accounts are FDIC insured.

General Questions

Common FAQs


Our Privacy Policy is available here.


Disclosures are important legal documents that provide the terms and conditions of our deposit accounts. We recommend you read each disclosure prior to opening your new account.

When you apply for a deposit account through our online account application, you must indicate that you have read and agree to the conditions of our Disclosures and Customer Agreements, Privacy Policy, and Pricing Schedule for Consumer & Business Deposit Accounts.

If you have questions, please call us at 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.



If you use online banking, you can sign in and change your information online.

You can also contact us to change your personal information.



Yes. We need a copy of any applicable recorded legal documents that reflect the change.

Please see our Contact page for the correct mailing address.





Abandoned or unclaimed property is property with an outstanding balance that has not had any customer-initiated activity (e.g., deposit, withdrawal, or account maintenance) for an extended period of time. Examples of property are:

  • Deposit accounts
  • Prepaid cards
  • Financial instruments (e.g., an outstanding bank-issued cashier's check)

The length of time property is considered abandoned is established by state law and differs from state to state. If it remains unclaimed or abandoned, it becomes property of the customer's state of residence.



If you received a due diligence letter, it's because you have unclaimed or abandoned property with State Farm Bank. This letter specifies what property (e.g., a deposit account, prepaid card, or cashier's check) you have with State Farm Bank that could be considered abandoned under state law. The letter also lists ways to contact the Bank to prevent the property from being transferred to your state of residence.

Contact options:

Cashier's checks related to a loan: Complete the information and sign the bottom of the letter. Mail or fax the form to the address listed in the letter.

Inactive deposit accounts: Make a deposit or withdrawal or perform account maintenance.

All other inactive cards, cashier's checks, and accounts: Contact State Farm Bank by the date listed in the letter.


Communicating with Us


Yes. If you want to call State Farm Bank using a Telecommunications Relay Service (TRS), dial 711 on your phone and you will automatically be connected to a TRS operator. The TRS operator can connect you to State Farm Bank at 877-SF4-BANK (877-734-2265).


For international calls to State Farm Bank, dial the International Direct Dialing (IDD) prefix for the country you're calling from and then dial 1-309-994-6170. Customers will not be reimbursed for phone charges incurred.

For credit card questions, dial the International Direct Dialing (IDD) prefix for the country you're calling from and then call us collect at 1-706-644-0852.



You can call us to speak securely with a customer service representative.

For online customers, we offer secure chat (for specific accounts) and email services. Online communication is encrypted and contained within our secure network.

View all the ways you can contact us.


Online and Mobile Security


Your personal information is protected by layered security controls to secure the online banking environment against threats. These security controls include:

  • Multiple firewalls and security devices to provide a secure network
  • Data encryption and secure messaging to protect information confidentiality in and across the network

Electronic funds transfers (EFT) are debit card transactions made at a point-of-sale terminal, ATM, or account-to-account transfers made through the Internet, on the phone, or by other electronic methods. Some of the protections that we provide include:

  • Limits of liability for unauthorized purchases
  • Access controls (e.g., online passwords and PIN numbers) to protect against unauthorized account use
  • Alerts to help identify unauthorized account use
  • Statements and reports to help identify unauthorized transactions

There are ways that you can ensure a safe online banking experience. Some suggestions include:

  • Install anti-virus software and enable a personal firewall
  • Use the most recent web browser version
  • Change passwords frequently and keep them private
  • Do not install software from unknown or suspicious sources
  • Avoid online banking while connected to public WiFi
For more information on online security, visit the Purchases and Online Security article or our Security Information and Alerts page.


Mobile banking with State Farm Bank is safe. Our mobile environment is protected by the same layered security controls as our online environment. You can also help protect yourself while mobile banking by following these suggestions:

  • Set a screen lock and password on your mobile device
  • Change your online password if your mobile device is lost or stolen
  • Only install software from trusted sources
  • Delete messages from financial institutions that you no longer need
  • Never disclose personal information in a text message
  • Sign-off and close the mobile banking application and browser when not in use
  • If possible, install anti-virus software on your mobile device


You should avoid sharing personal financial information on social media sites. State Farm cannot service any accounts through social media, therefore, we will not ask for your personal information this way. We also recommend the following social media suggestions:

  • Use only trusted social media sites
  • Use different user IDs and passwords for online accounts
  • Do not post personal information to social media sites
  • Select privacy settings that restrict the access to your information
  • Verify friend requests before accepting them


Fraudulent communication can be sent by email, text messaging, social media, phone calls, and fake websites. The communication usually contains an urgent call to action and a request to provide personal information. This information is later used to compromise your account or steal your identity (e.g., a fraudulent email that says your account will be closed if you don't reply and provide your password and security question answers as verification). Additional characteristics of fraudulent communication include:

  • Phishing or hoax emails
  • Smishing or hoax test messages
  • Awkward greetings, poor grammar, or misspellings
  • Links to unknown websites
  • Unexpected attachments
  • Calls from unknown or blocked numbers

For more information on fraud and phishing, visit the Avoid Email Fraud and Phishing article or our Security Information and Alerts page.



State Farm uses Secure Sockets Layer (SSL) technology to provide encrypted, secure communication during chat sessions.

Chats will be limited to general product information, application assistance, and navigation. For your own security, we ask that you not provide credit card numbers, Social Security numbers, security questions, passwords, or account numbers during chat sessions. If a credit card number, Social Security number, or account number is entered, the number will be masked in the chat session.

For more information, please read our Privacy Policy.



Our conversations are saved in order to provide the best customer experience. We review these conversations with our representatives to ensure they have the information to assist you with your needs.

You can save, print, or request an email copy of your chat transcript at any time during the chat session. We also maintain a copy of your chat session on file and can send you a copy after the chat session is complete.


Protecting My Identity


Identity theft occurs when criminals obtain your personal information and open unauthorized accounts in your name. They may use these unauthorized accounts to commit additional fraud, launder money, support other criminal enterprises, or take out loans for cash. Common ways that criminals obtain personal information include:

  • Physical theft of wallets, purses, mail, statements, card offers, checks, and tax information
  • Email phishing for personal information
  • Unsolicited phone calls disguised as financial institutions
  • Changing addresses to redirect financial statements and cards
  • Skimming: copying credit card numbers
  • Dumpster diving: looking for information in the garbage

To learn more about identity theft, click on our Protecting Your Identity page.



Protecting your personal information and regularly monitoring your credit report are the best ways to protect yourself against identity theft. Your name, Social Security number, date of birth, address, online password, and account numbers are all personal information that can be used to steal your identity. To protect yourself, we also recommend the following:

  • Change your passwords at least twice a year.
  • Secure physical documents and encrypt electronic documents that contain personal information.
  • Shred unneeded credit card offers, statements, and other documents that contain personal information.
  • Don't send your Social Security number, account number, or passwords through email.
  • Don't leave your computer or mobile device unattended.
  • Don't bank or conduct personal business on public computers or WiFi.
  • Don't carry your Social Security card in your wallet.
  • Don't provide personal information to unsolicited callers.

To learn more about identity theft, click on our Identity Theft Resources page.



The best way to determine if your identity has been stolen is to monitor your credit report. The three major credit reporting agencies provide a free annual credit report to assist you in identifying unknown accounts. Commercial providers will also monitor your credit report and provide alerts on a subscription basis.

Other indications of identity theft include:

  • Mail or notices on accounts that you don't recognize
  • Missing bills or statements
  • Unauthorized changes to your address, password, or bank profile information
  • Calls from debt collectors


A State Farm representative may call you if we have difficulty completing a request or have other concerns with your account. During these calls we may ask you to verify your identity to ensure we are speaking to the right person. During an unsolicited call we will never ask you to provide your account number, Social Security number, or online password.

We will never send unsolicited requests for your personal banking information through email, text message, or social media. If you think you've received unsolicited communication from State Farm Bank, call us at 877-SF4-BANK (877-734-2265). Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service.

To learn more about identity theft, visit our Protecting Your Identity page.


Reporting a Problem


For debit cards: Call us immediately, 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. If you are outside the U.S., call us collect at 1-309-994-6170.

For credit cards: Call us immediately, at 877-SF4-VISA (877-734-8472). If you are outside the U.S., call us collect at 706-644-0852.

Lost or stolen cards will be canceled and replacements sent to all authorized cardholders within 7-10 business days.

For more information, please visit the Report a Lost or Stolen Card article on the Account Help tab on the Managing My Account page.



If you believe that you are a victim of identity theft, take immediate action to minimize the damage to your credit. We recommend the following:

  • Contact State Farm 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.
  • Contact the Federal Trade Commission identity theft hotline toll-free at 877-IDTHEFT (877-438-4338).
  • File a report with your local police precinct
  • Request a fraud alert with the three major credit bureaus:

Complete an Identity Theft Affidavit to notify all institutions where unauthorized accounts or fraudulent activity happened as a result of identity theft. Completing the form certifies that you did not authorize the activity and helps minimize your financial responsibility.



For account charges: Call us immediately 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.

For credit card charges: Call us immediately at 877-SF4-VISA (877-734-8472).

When you report fraudulent transactions, we cancel your card and send a new card to all authorized cardholders within 7-10 business days.

For additional contact options, visit our contact State Farm Bank page.



Credit Card Disputes

You can dispute a charge by selecting the channel that is most convenient for you.

Online: You can access your account online at statefarm.com®. Once you login, follow these steps:

  1. Click on the credit card link on the My Accounts page.
  2. Select the Account Maintenance tab at the top of the page.
  3. Under the Self-Service heading, click the Dispute Transaction link.
  4. Select the transaction(s) in question and provide details about the dispute.

Mail: For written disputes, provide the following information or complete the Declaration of Fraud form. The form is found in your online account access by selecting the Account Maintenance tab and clicking the Declaration of Fraud link. The following information is required:

  • Your name and account number
  • The dollar amount of the suspected error
  • A description of the error and explanation of the dispute

Once the form and information has been completed, mail them to the following address:
State Farm Bank
P.O. Box 1420
Deposit, NY 13754-1420

Debit Card and ATM Disputes

Contact 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. For international calls, contact us by dialing the International Direct Dialing (IDD) prefix for the country you're calling from and then dialing 1-309-994-6170.



Credit Report Disputes - All Loan Accounts and Credit Cards

If you think the information State Farm Bank has furnished to consumer reporting agencies for your account(s) is not accurate, please follow these steps:

In a written statement, please provide the following information:

  • Identifying information such as your name, address and telephone number
  • The type of State Farm Bank product associated with the information being disputed (e.g. auto loan, credit card, home equity line of credit, mortgage or deposit account)
  • The account number(s) for the account(s) you are disputing
  • A description of the specific information you are disputing and an explanation of the basis for your dispute
  • Copies of documents that support your dispute, as applicable:
    • A copy of your consumer report showing the information that you are disputing
    • Your account statements
    • A court order, or (if applicable) a copy of a police report or fraud or identity theft affidavit
    • Copies of receipts showing account has been paid
    • Remember: Do not send original documents.

For your convenience, State Farm Bank has created an optional Consumer Report Dispute Form that you may use as your written statement.

Important Note: If State Farm Bank does not receive sufficient information to identify your account, you may experience a delay, or your dispute may be unable to be investigated.

Next, mail your dispute and supporting documentation to the following address:
State Farm Bank
ATTN: Credit Reporting
PO Box 2313
Bloomington, IL 61702

State Farm Bank will respond to your credit bureau dispute within 30 days. A delay may be experienced if the letter is not mailed to the specified address or sufficient information is not received in order to identify your account or the information being disputed.



State Farm Bank (SFB) will respond to consumer reporting agencies disputes within 30 days. A delay may be experienced if the dispute is not mailed to the specified address and if sufficient information on your dispute is not provided.

State Farm Bank will notify you of the results of our investigation within 30 days of receiving your dispute. It may take up to 45 days to investigate your dispute if, after providing SFB with your initial notice of dispute, you provide SFB with additional information that is relevant to our investigation. If State Farm Bank's investigation finds that the information you are disputing was inaccurate, SFB will notify you and the consumer reporting agency of the determination and provide the consumer reporting agency(ies) with the information necessary to correct the inaccuracy.



Once the information furnished in your dispute is reviewed and deemed accurate, the decision is considered final. However, you may resubmit the dispute to the designated credit dispute address* and provide any missing and/or new documentation that wasn't submitted at the time of the original dispute.

*State Farm Bank
ATTN: Credit Reporting
PO Box 2313
Bloomington, IL 61702

Your resubmitted dispute will be handled using the same process as your original dispute.


Checking and Savings

Common Checking and Savings FAQs


Our routing number is 071174431.


Visit our Product pages to learn about our accounts and the ways to open an account with us.


An electronic funds transfer (EFT) is the transfer of funds initiated through an electronic terminal, telephone, computer or mobile device such as point-of-sale transfers, ATM transfers, direct deposit and withdrawal of funds. Learn more about how you can transfer money between accounts.


To change your PIN, 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.


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. If you are outside the U.S., call us collect at 1-309-994-6170.

Lost or stolen cards will be canceled and replacements sent to all authorized cardholders within 7-10 business days.

For more information, please visit the Report a Lost or Stolen Card article on the Account Help tab on the Managing My Account page.


Using My Account


There are multiple ways you can make a deposit. Please see the deposit options on the Manage Your Account page.

Our bank certified agent offices are not bank branches and cannot accept deposits. They are happy to provide pre-addressed, postage-paid envelopes for your deposits.




Making Payments and Transfers




Automatic payments are a convenient way of paying bills electronically (e.g., telephone, electric, credit card, insurance, etc.). With automatic payments, you provide the names and account information of the bills you wish to pay, the payment amount, and any payment instructions. You can also schedule a one-time future payment up to 364 days in advance.

Note: When scheduling a bill pay payment on the "Make Payments" screen, you will select the payment "send on" date. This is the date the funds will be debited from your account. Funds must be available in your account on the "send on" date.

Setting up an automatic payment is simple. To begin, visit our Managing My Account page.



For more information on how to schedule a payment, recurring payments, and payment timelines, please visit the Account Help tab on Managing My Account page.


You can only pay bills using checking, interest checking, and money market accounts. 1

1You may make six transfers from your account each monthly statement cycle by preauthorized or automatic transfer, point-of-sale, telephone and/or electronic banking. If you exceed these limitations, we may refuse to honor the excessive transactions, remove your transfer privileges, close the account without prior notice, convert it to another type of account, and/or impose a fee (Refer to the Pricing Schedule for Consumer & Business Deposit accounts ) for exceeding the limits. (Note: We count transactions for purposes of the transaction limitations as of the date we post them to your account, not as of the date you initiate them. As such, a transaction you initiate during one statement period may not be counted until a subsequent statement period). In addition to the above transfers, you are allowed unlimited withdrawals by ATM; by mail (payments directly to you or transfers of funds from your account to any of your loan accounts with us); or by telephone (via check payable to you.)



This varies from biller to biller. Generally it takes up to two billing cycles to establish an automatic payment. While your automatic payment feature is being activated, please plan any interim payments accordingly in order to keep your accounts current.


We have relationships with thousands of businesses and many payments can be made electronically. When making an online bill payment, the Smart Calendar indicates when you need to have the funds in your account as well as the amount of time needed to deliver the payment to the payee.


Funds availability depends on the method of transfer:

Online Transfers Funds transferred online between State Farm Bank deposit accounts are available immediately if requested by 10:00 pm Central Time.
Wire Transfers Wire transfers are generally available the same day as the transfer. In rare cases, funds are available the next business day following the transfer.
Government Payroll or Benefit Payments Pre-authorized electronic transfers from government payroll or benefit payments (i.e., Social Security) are available on the transfer date
External Financial Institution Transfers See Funds Availability Policy
External Account Transfers See Funds Availability Policy

If funds are not available the first business day after the day of deposit, a notice will be mailed the first business day after it is received to explain when the funds will be available.

Contact State Farm Bank for other transfer options, or refer to the Transferred Funds Availability Schedule.


Credit Cards

Common Credit Card FAQS


Call us at 877-SF4-VISA (877-734-8472). If you are outside the U.S., call us collect at 706-644-0852. 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.

Lost or stolen cards will be canceled and replacements sent to all authorized cardholders within 7-10 business days.

For more information, please visit the Report a Lost or Stolen Card article on the Account Help tab on the Managing My Account page.



Outside the U.S., please call us collect at 1-706-644-0852.


The grace period is the time you're allowed to pay your credit card bill without being charged interest. Once a balance transfer is completed, you will need to pay the total balance of any new purchases and your balance transfer by the payment due date to avoid interest charges. If your total balance is not paid in full by the payment due date, you will be charged interest in accordance with your current purchase and/or balance transfer APR, until the balance is paid in full.

Maintaining My Account


You can find payments addresses on our Contact page under "Mail Credit Card Payments and Correspondence."


You can dispute a charge by selecting the channel that is most convenient for you.

Online: You can access your account online at statefarm.com. Once you login, follow these steps:

  1. Click on the credit card link on the My Accounts page.
  2. Select the Account Maintenance tab at the top of the page.
  3. Under the Self-Service heading, click the Dispute Transaction link.
  4. Select the transaction(s) in question and provide details about the dispute.

Phone: Call us 24 hours a day, seven days week at 877-SF4-VISA (877-734-8472). 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.

Mail: For written disputes, provide the following information or complete the Declaration of Fraud form. The form is found in your online account access by selecting the Account Maintenance tab and clicking the Declaration of Fraud link. The following information is required:

  • Your name and account number
  • The dollar amount of the suspected error
  • A description of the error and explanation of the dispute

Once the form and information has been completed, mail them to the following address:


State Farm Bank
P.O. Box 1420
Deposit, NY 13754-1420


Your online account summary will show transactions made in the past 520 days or from the time your account became web-enabled. Transactions will not appear if they were made more than 520 days ago or before your account was web-enabled.


Yes, you can download your credit card information to most financial software programs.

Protecting My Account


Effective July 14, 2014, State Farm Bank is no longer offering Credit Protection for new enrollees. If you are currently enrolled, your protection will remain in force. For information on covered events, coverage costs, and program cancellation, please visit the Credit Protection Summary.


You will be denied benefits if:

  • The covered event occurred prior to your enrollment in the program.
  • You cancel program enrollment prior to notifying us of a covered event.
  • You fail to notify us of the covered event within 365 days of the date of the covered event.
  • You fail to provide reasonably requested evidence within 30 days of the date of our request.
  • Your account is two payments past due on the day we review your request to activate coverage.
  • You do not meet all criteria detailed in the terms and conditions.

For more information, please see our Credit Protection Eligibility and Requirements page.



Yes. You can cancel your coverage by:

  • calling 877-SF4-VISA (877-734-8472). 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.

  • writing to:
  • State Farm Bank
    PO BOX 87
    Deposit, NY 13754-0087

In addition, we'll cancel your coverage if your account becomes more than 60 days delinquent. We may also cancel your coverage with at least 30 days advanced written notice.


State Farm Loyalty Rewards®



Health Savings Accounts

Common Health Savings Account FAQs


To get the benefits of a HSA the law requires that the savings account be combined with high-deductible health plan.


HSAs are an expansion of the Archer Medical Savings Account program.

Both accounts can be funded concurrently and there is no requirement that one account type must be funded first. The HSA contribution limit is reduced by the amount of MSA contributions for that year.

Unlike MSAs, HSAs provide the following:

  • Everyone covered by a high-deductible health plan (HDHP) is eligible to participate, including:
    • Employers
    • Self-employed individuals
    • Individuals and families who are not self-employed
  • Funding by the employer, employee, or both
  • Permanence and portability
  • Larger contribution opportunities
Note: Balances in MSAs can be rolled into HSAs on a federal income tax-free basis.


Yes. Discount cards do not disqualify you from being an eligible individual for HSA purposes if you are required to pay the costs of health care, with the discount, until the HDHP is satisfied.


Generally, health insurance premiums are not qualified medical expenses, with the following exceptions:

  • COBRA insurance
  • Qualified long-term care insurance, subject to the dollar limits in IRS Publication 502: Medical and Dental Expenses
  • Health insurance premiums for individuals receiving unemployment compensation
  • For individuals age 65 or older, Medicare and retiree health insurance premiums (not applicable for Medicare Supplement policy premiums)

Maintaining My Account




Once a power of attorney form has been completed and notarized, the power of attorney has the power to open, maintain, or close the account. They can transact any and all lawful business on behalf of the customer (e.g., making contributions or withdrawals, writing checks, and accessing account information).

The power of attorney expires at the accountholder's death. If the accountholder designated their spouse as the beneficiary, the spouse will be the new account owner. The account will be paid out to a non-spouse beneficiary. If no beneficiary was specified, the account will become a part of the decedent's estate.


Funding My Account


Yes, HSAs accept funding and ACH transactions after the account is established.


Yes. If you are an eligible on or before December 1st during the last month of the tax year, you can make the maximum annual health savings account (HSA) contribution for that year.

A recapture provision applies if you cease to be an eligible individual during the testing period. Recapture means that federal income tax deductions are recaptured (i.e., included in gross income and subject to a 10 percent tax penalty) for the months you were not an eligible individual during the tax year. The testing period is the period beginning with the last month of the tax year for which you were an eligible individual, and ending on the last day of the 12th month following that month (e.g., December 1, 2016 through December 31, 2017).

Note: You can choose to contribute on a pro-rated basis or contribute the maximum allowed if they are eligible on or before December 1st. If you choose pro-rated contributions there is not a recapture provision


Taxes on My Account


See the following references or consult your financial advisor:



No. Deductions are only limited if the individual is not enrolled in a qualified high-deductible health plan (HDHP) for the full 12 months of the tax year.




HSA tax treatment is handled differently based on whether your state has adopted the federal provisions. Consult your tax advisor for information on your specific situation.

Neither State Farm® nor its agents provide tax or legal advice.

Visa is a registered trademark of Visa International Service Association.

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.