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.
Communicating With Us
Online and Mobile Security
Protecting My Identity
Reporting a Problem
Learn more in our Home Loans Help Center
Common Checking and Savings FAQs
Using My Account
Making Payments and Transfers
Learn more in our Vehicle Loans Help Center
Common Credit Card FAQs
Maintaining My Account
Protecting My Account
State Farm Loyalty Rewards®
Common Health Savings Account FAQs
Maintaining My Account
Funding My Account
Taxes on My Account
If you have questions, please call us at 877-734-2265.
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.
Your liability is limited if the unauthorized charges are reported to us promptly. More details can be found using the links below:
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:
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.
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.
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.
Click here to view all the ways you can contact us.
Your personal information is protected by layered security controls to secure the online banking environment against threats. These security controls include:
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:
There are ways that you can ensure a safe online banking experience. Some suggestions include:
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:
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:
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:
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.
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.
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:
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:
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:
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.
For debit cards: Call us immediately, at 877-SF4-BANK (877-734-2265). Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service. If you are outside the U.S., call us collect at 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:
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). Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service.
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:
Phone: Call us 24 hours a day, seven days week at 877-SF4-VISA (877-734-8472). Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service.
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:
Once the form and information has been completed, mail them to the following address:
Debit Card and ATM Disputes
Contact 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. 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:
For your convenience, State Farm Bank has created an optional Consumer Report Dispute Form [PDF-26KB] 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.
Our routing number is 071174431.
Visit our Product pages to learn about our accounts and the ways to open an account with us.
The following information is required for each applicant to apply for an account:
The following documentation can be used as a secondary form of identification to open a checking, savings, money market savings, and fixed rate certificates of deposit (CD):
The only secondary form of identification accepted when applying for other types of deposit accounts, credit cards, or loans is an ITIN card. Applications with an alternative form of identification must be completed with a participating State Farm agent.
Note: You do not need to be a policyholder of State Farm to open a State Farm Bank account.
Banking regulations require that we collect information to identify customers and understand their anticipated activity. In addition to meeting regulatory expectations, this information helps us understand our customers' needs and tailor our products to meet those needs.
To estimate your monthly cash activities, consider the amount of cash you deposit or withdrawal from an ATM on a monthly basis.
An electronic funds transfer (EFT) is the electronic transfer of money from one account to another by computer or mobile device. Click here for a short video to learn more about how you can transfer money between accounts.
To change your PIN, please 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.
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. If you are outside the U.S., call us collect at 309-994-6170.
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.
Direct deposit is a quick, easy, and secure method to electronically deposit your paycheck, governmental benefits, and investment dividends into your bank account.
Visit our Managing My Account page for information on how to set up direct deposit. It usually takes two pay periods to establish a direct deposit with an employer.
For direct deposits for Social Security, Supplemental Security Income (SSI), or other non-payroll government benefit payments, please use Go Direct for easy and convenient sign-up.
Once direct deposits are established, they are available on the effective date of the deposit. You can verify your direct deposit set up or transfer by reviewing your online bank account or calling 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 make online transfers from your State Farm Bank accounts to accounts at external banks, you must be the owner of the external account. We also recommend you have online access to the external accounts. State Farm Bank will verify your access to the external account by having you confirm two small test deposit transactions. Each transaction will be less than $1.00. Within the next three business days, an email will be sent to you detailing the steps to take to complete the process.
Follow the steps below to verify your external account:
Upon successful test deposit transaction verification, your external transfer account is listed in the drop-down menus on the Make an External Transfer page.
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.
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:
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.
Call us at 877-SF4-VISA (877-734-8472). If you are outside the U.S., call us collect at 706-644-0852. Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service.
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.
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:
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, including Microsoft Money and Quicken.
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:
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) or by writing to:
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.
Please visit the State Farm Loyalty Rewards FAQs
To get the benefits of a HSA the law requires that the savings account be combined with high-deductible health plan. High-deductible health plan may cost less than lower deductible coverage because the insurance company doesn't have to process and pay claims for routine, low-dollar medical care.
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:
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:
Interest is compounded daily and credited monthly.
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.
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.
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.
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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.