Online Banking

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Frequently Asked Questions

Bank Hours
When are you open?

Nebraska State Bank’s hours of operation are:

9 a.m. to 3 p.m. in the lobby, Monday through Friday.

8 a.m. to 5 p.m. at the drive through window, Monday through Friday.

24 hours a day, 7 days a week at the ATM for withdrawals, transfers, envelope deposits, and account balances.

The doors are locked before 9 a.m. and after 3 p.m. Unless you have an appointment, please use the drive through window outside of these hours.

If you think you’ve been a victim of fraud, or you feel like something isn’t quite right with your account, please contact us immediately at (308) 772-3234. Additionally, please visit our Support & Security page to learn how to avoid common scams.

Account Ownership Information

Here are the most common ways that an account can be set up:

Single Owner: only one person has ownership and rights to the account.

Co-Owners: two or more owners have ownership and rights, all of whom can independently make global changes to the account.

So if you open a multi-person account with two or more people as owners, or if you add additional owners to a current account, each owner has the power to withdraw, add, or transfer funds, remove other owners from the account, remove other owners from Internet Banking so that account isn’t visible to them anymore, and close the account and withdraw all funds.

Authorized Signers: someone who has the authority to sign checks and make deposits to personal, business, or non-profit/civic accounts, but cannot do other transactions or make global changes to the account. Common uses include the employee of a business, employees of a government office, or the organizer/head of a fundraising or local sports account.

Power of Attorney (POA): while POAs are used in normal long-term planning by healthy people, they are also used in situations where the account owner can no longer handle their finances, and have designated someone as a POA. POAs are authorized signers, however they give the POA holder equal rights to make transactions or change the account (similar to a co-owner) until the account owner dies. At that time, the POA is invalid and only the account owner(s), or the personal representative of the person’s estate, have rights to make global changes.

Regardless of account type, communication is key: whether you’re handling an elderly family member’s finances, giving an employee access to your business account, or sharing an account with a spouse, child, or other family member, discussing your expectations for the account’s use helps prevent issues down the road. Please contact us with any questions.

ATM
Do you have an ATM?

Yes, our ATM is located behind the bank, to the west. It is available 24/7.

What transactions can be done at your ATM?

You can withdraw cash, check balances, make deposits, and make transfers.

Is there a fee to use the ATM?

There is no fee when using the NSB debit card. If a different card is used, we won’t charge a fee but the other bank may.

What is my daily ATM withdrawal limit?

NSB customers can withdraw $300 a day with our debit card. If you have a different bank’s card, your limit may be different so check with them.

Why does the full amount not show after an ATM deposit?

Only $100 will immediately show up after customers make an ATM deposit, with the remaining amount showing up after our next system update.
Note that if you’ve only been an NSB customer for less than a month, you won’t show an immediate $100 ATM deposit.
And if you make an ATM deposit after 2 pm on a Friday, your deposit won’t show up until Monday.

What is the proper card dip procedure?

Dip your debit card, wait one second, quickly remove it, then input your PIN on the keypad.

Budgeting Tools
Do you have anything that can help me balance my account?

Nebraska State Bank offers Web Connect, an easy way to import your transactions to QuickBooks and Quicken. To learn more about this free service, please contact us and ask for Shannon Loomis.

Additionally, you can visit web-based budgeting sites like www.daveramsey.com

Checks
How can I order checks?

We offer a wide variety of personal and business check styles, please visit Main Street to order. Additionally, you can stop in to view a printed brochure showing the different check style options.

Correspondence
How will Nebraska State Bank contact me?

Nebraska State Bank will normally only contact you via phone, our number is (308) 772-3234. We may occasionally contact you via email or text as well.

Debit Cards
How much can I spend on my debit card?

If your debit card is attached to a checking account, you have a daily limit of $300 ATM cash, and $2,000 for purchases.

If your debit card is attached to a savings account, you have a daily limit of $300 ATM cash only—this type of account cannot be used for purchases at a store or online.

Why do I see a charge, refund, or hold on my account after using a debit card?

Businesses like gas stations, hotels, restaurants, and car dealerships can put a hold on your account for an estimated charge, or they can process a small charge and refund to verify that your debit card works. These items usually fall off your account after a few days, at which time the actual charge will post. If you still have questions, please contact us.

Why isn’t my debit card working outside of Nebraska?

If you plan to travel to any state that is not connected to Nebraska, please contact us beforehand. We’ll place a special travel notice on your card, including your travel dates and the states and/or countries you’re traveling to, so the card will continue to work.

Why has my debit card stopped working?

Check to see if you’ve exceeded your daily limits. If so, your transactions will not go through.

Verify which accounts you connected your card to. If you are trying to withdraw using a different account, your transactions will not go through.

Check your card’s condition. If it looks like the magnetic strip is worn out or cracked, please contact us for a replacement card.

Finally, check your NSB app or Internet Banking to see if the card has been turned off by mistake:

To check on the app, go to “Menu” then “Manage Cards” then tap “My Card.” Next, press on the line showing the last 4 digits of your card number. If it says “Turn On” then do so, and then try to use the card again.

To check on your computer, log on to Internet Banking, click on “Manage Cards” in the left column, then click on the line showing the last 4 digits of your card number. If it says “Turn On” then do so, and then try to use the card again.

If your card still doesn’t work, please contact us.

What do I do if my debit card is lost, stolen, or damaged?

First, use the above instructions to turn off your debit card to prevent unauthorized use. Then, contact us immediately for a replacement at (308) 772-3234 during business hours, or at (844) 202-5333 after hours.

Fraud
What do I do if I suspect that someone is using my account info fraudulently?

Unfortunately, fraud is increasing. And elder fraud is especially common.

If you ever suspect that unauthorized people are trying to use your bank account info, trying to impersonate Nebraska State Bank, or threatening you so you’ll give them your banking info, please call us immediately.

You can learn more about fraud, as well as current scams, by visiting our Support & Security page.

Deposits
What is the cutoff time for deposits to post the same business day?

Please make your deposits by 2 p.m. Mountain Time.

Internet Banking
How do I sign up for Internet Banking?

The Internet Banking form that you filled out and signed during account opening includes an Invite Answer. When prompted, use that word as your Security Code, then you can set up a username, password, and security questions to finalize your signup.

If you are an existing customer who would like Internet Banking, please contact us.

Why does it say that my Social Security Number has been locked out?

You may have attempted to sign in too many times using outdated credentials. Please contact us for help.

How do I set up alerts?

After you log in, click on “Manage Alerts” and click the “+” to add whichever Custom, Bill Pay, or Security alerts that you’d like on specific accounts. Choose the alert type, its name, and an email or text number where you want to be alerted. Once finished, click “Create.”

Which web browser should I use to access Internet Banking?

Internet Banking should work well with Explorer and Chrome only, and we can’t guarantee that other browsers will be compatible. Please contact us with any Explorer or Chrome Internet Banking issues.

Where can I use Internet Banking?

Internet Banking is available throughout the U.S., including Alaska and Hawaii, but not outside of the country. So if you plan to go abroad, transfer funds before you leave.

Internet Banking Transfers
How do I set up internal transfers through my Internet Banking account?

After logging in, select “Move Money” from the left-hand column. Then choose “New Transaction.” You should now see all of your requested Internet Banking accounts—if not, please call us to add additional accounts.

Next, when all of your accounts are visible, choose which account you want to move money from, then choose the recipient account, then on the next page you’ll see the amount, transfer date, transfer occurrence, and a box to put a note. Finally, after clicking “Continue” and reviewing the transaction, click “Submit” to finish. You’ll see a confirmation page, and you’re done!

How do I set up external transfers through my Internet Banking account?

Nebraska State Bank’s Internet Banking allows transfers to different banks after you set up your external bank accounts.

After logging in, select “Move Money” from the left-hand column. Next, click the “+” icon by “My Payees” then click “External Account.” Now, put in the external account name, receiver name (the person), the external bank name, the account type, the routing number, the account number, and a verification method. Nebraska State Bank and your external bank will verify this info with several small debits and credits. Once you have verified the amounts, your external account will be set up.

Once your external account(s) are set up, click on that external account under “My Payees.” You should now see all of the accounts you have requested to be on your Internet Banking. Now click on “Send Payment” and follow the same procedure as you would with an internal transfer.

Bill Pay
How do I use Bill Pay?

Bill Pay is available in Internet Banking and Mobile Banking, and is set up in the same “Move Money” page. Click on the “+” in the “My Payees” section. Now, you’ll click on “Bill Pay” to add a new payee. Input their name, your account number for the outgoing payment, their account number for their incoming payment, and their contact phone and address information. Your Bill Pay account is now set up.

Next, when their account is visible under “My Payees”, click on the account, and on the next page click on “Send Payment.” Then in the Details popup screen, your default Bill Pay account and their account will appear. Enter the amount, date, occurrence, and memo, then click “Continue.” Finally, once you review your payment, click “Submit.”

What is the daily limit for P2P Bill Pay transactions?

$2000 per day maximum, with a maximum single transaction amount of $1,000 per day.

How quickly do Bill Pay transactions post with my payees?

Bill Pay payments can be set up either as an electronic P2P (peer-to-peer) or with a check. P2P payments will take at least a few days, while check payments can take longer.

Can I pay multiple payees at a time?

Yes you can. Contact us for instructions.

Mobile Banking & NSB App
Where can I get Mobile Banking?

To download our Mobile Banking app, visit the Apple App Store or Google Play, and search for “Nebraska State Bank Mobile.”

How do I set up Mobile Banking?

Once you are active with your Internet Banking account, you can use the same login credentials for Mobile Banking.

Where can I use Mobile Banking?

Mobile Banking is available throughout the U.S., including Alaska and Hawaii, but not outside of the country. So if you plan to go abroad, transfer funds before you leave.

How do I set up alerts?

After you log in, choose “Manage Alerts” and tap the “+” to add whichever Custom, Bill Pay, or Security alerts that you’d like for specific accounts. Choose the alert type, its name, and an email or text number where you want to be alerted. Once finished, click “Create.”

What do I do if the app isn’t working?

If the app won’t open, first go to your device’s app store to see if the NSB app needs to be updated. If so, update your app and retry.
If that didn’t work, check your device’s software update screen. If there’s a new update, download and install it. After the software update delete the NSB app, go to your app store and re-download it, and try to login again.
If that didn’t fix it, please contact us.

Mobile Banking Transfers
How do I set up internal transfers through my Nebraska State Bank app?

Nebraska State Bank’s Mobile Banking allows transfers between the NSB accounts that you have already set up in Internet Banking.

Once logged into Mobile Banking, tap the “$ Transfers” button. Next, tap the “New Transaction” button which will load all of your accounts. Select the account you want to transfer from, then the account you want to transfer to. Input the transfer amount and press “Accept”, then if need be change the transfer date (today is default), choose the number of times transfer is made, then tap “Continue.” Finally, once you review the transfer, press “Submit” to complete it.

How do I set up external transfers through my Nebraska State Bank app?

Nebraska State Bank’s Mobile Banking also allows transfers to different banks.

To set up an external transfer, log into the NSB mobile app, tap “$Transfers,” then tap “My Payees.” On the next screen, select the “+” then select “External Account.” Now, put in an account name, receiver name (the person), the external bank name, the account type, the routing number, the account number, and a verification method. Nebraska State Bank and your external bank will verify this info with several small debits and credits. Once you have verified the amounts, your external account will be set up.

Once your external account(s) are set up, tap “New Transaction” under Move Money. You should now see all of the accounts, internal and external, you have requested to be on your Mobile Banking. Choose which account you want to move money from, then choose the recipient account, then on the next page you’ll see the amount, transfer date, transfer occurrence, and a box to put a note. Finally, after tapping “Continue” and reviewing the transaction, press “Submit” to finish.

Mobile Deposits
How do I make mobile deposits?

First, endorse your check(s), then underneath your signature, please write “For Mobile Deposit Only.”

Next, log into the NSB mobile app, tap “Menu,” then tap “Deposit Checks.”

Select the account you want to deposit to, then select the “Front” camera icon. Tap “Allow” on your device’s popup box to access its camera. Then take a sharp image of both the entire front, and entire back, of the check. Review your images, verify that the amount is okay, then press “Submit.”

What time does my mobile deposit need to be in by to be approved the same day?

Please make your mobile deposits by 2 p.m.

What is the largest dollar amount accepted by mobile deposit?

The standard mobile deposit daily limit is $10,000. If you need a higher limit, please contact us so we can review your request.

Text Banking With A Non-Smartphone
Do you have account alerts for regular cell phones?

Yes, if you are signed up for Internet/Mobile Banking, you can get text message alerts for your account.

To set up text banking from your computer or NSB app, choose “Menu,” then “Manage Profile.” Press “Phone” and “Add New Mobile Device,” then input your cell number and a phone nickname if wanted. Select your phone type, then choose “Add Device.” Once you receive a Verification Code and you input it, you can activate your Text Banking and Text Alerts.

To use Text Banking:

Create a new Text Banking address book entry in your cell phone, the number is 662265.

Text BAL to 662265 to get your current balance. You can also use CMD to list available commands, BAL ALL to see all account balances, ACT to see activity, and ACT ALL to see all activity.

Missing Transactions
What should I do if a transaction is missing?

If you think you are missing a deposit, withdrawal, transfer, or other kind of transaction, call us immediately. If you can, please have the following information handy: kind of transaction (lobby deposit, mobile deposit, transfer, etc.), transaction amount, and transaction date.

Money Orders
Do you sell money orders?

Yes, we sell money orders, but you must be a Nebraska State Bank account holder to buy one. The fee is $1 per $100, up to a maximum fee of $10. Note that money orders can be mailed.

Notaries
Can I get something notarized?

We offer notary services at Nebraska State Bank. You must bring in a current Photo ID with current address for identification. Forms must be signed in the presence of the notary.

Cashier's Checks
Do you sell cashier’s checks?

Yes, we sell cashier’s checks, but you must be a Nebraska State Bank account holder to buy one. The fee is $1 per $100, up to a maximum fee of $10. Note that cashier’s checks should not be mailed.

Certificates of Deposit
What kinds of CDs do you offer?

We offer competitive CD rates, with terms from 3 months up to 60 months and a minimum of $500 to open one. Please call us for details.

Coin Exchange
Can I bring coins in to be counted?

Yes, we’re happy to sort and roll coins for customers and non-customers.

Do I need to roll them beforehand?

We prefer that you don’t roll your coins, since we have a sorter and roller that does it for you.

What coins will you accept?

American coins in good condition. Please remove any foreign, corroded, discolored, or bent coins, as we can’t take them, as well as any items such as paper clips, washers, bolts, etc.

Payment Apps
Which payment apps work with Nebraska State Bank accounts?

Any apps that connect to a bank account or a debit card number, like PayPal, Apple Pay, Google Pay, Venmo, Zelle, etc. However, not all of these programs offer buyer protections, so do your research before using them, and avoid buying big-ticket items through an app.

International Payments
Can I make international payments using a payment app?

Yes, you can buy goods or services using payment apps like PayPal, but you must use your checking account’s attached debit card number as your first payment choice. We cannot process international payments using your checking account number, so we must return these transactions.

Overdraft Avoidance
How can I avoid overdrawing my account?

Debit card transactions and ACH (electronic) payments are convenient time savers. But if you don’t keep track of each transaction, it’s easy to become overdrawn when items you may have forgotten about come through.

That’s why Nebraska State Bank recommends that you enter every transaction into a physical register or a budgeting program, just like it was a check. While it’s more time consuming, this process lets you know exactly how much you have at all times.

To learn about connecting your accounts to QuickBooks and Quicken, please contact us and ask for Shannon Loomis.

Also, there are good web- and app-based programs, like Mint, that can help with budgeting.

Phone Transfers
Can I call the bank to have funds transferred?

We’re happy to make transfers between your accounts via phone. Please call us for assistance.

Safe Deposit Boxes
Do you have safe deposit boxes available?

Yes, customers may rent safe deposit boxes in the following sizes: 3×5, 5×5, 3×10, 5×10, and 10×10. Please call us for prices and availability.

Statements
Which ways can I receive my statements?

There are three ways that you can receive monthly statements: a paper copy via mail, an electronic copy via email, or an electronic copy through Internet Banking. Contact us if you’d like to make a change to how you get your statements.

Stop Pays
What does it cost to do a stop pay?

Stop pays are $15 for checks or electronic ACH items.

Can I do a stop pay on a debit card purchase?

No, we can’t stop a debit card payment.

Wire Transfers
Do you do wire transfers?

Yes, we can do wires for Nebraska State Bank account holders.

What are the benefits of doing wire transfers?

Wire transfers are the safest way to pay for large-ticket items like vehicles, as many banks will not accept money orders or cashiers checks anymore due to fraud.

How much does it cost to wire?

We charge $15 to send a wire, and $10 to receive a wire. The other bank may have additional wire fees also.

Privacy Policy

At Nebraska State Bank, the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with Nebraska State Bank, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined below.

We collect, retain, and use information about you only where we reasonably believe that it will help administer our business or provide products, services, and other opportunities to you. We collect and retain information about you only for specific business. We use this information to protect and administer your records, accounts, and funds; to comply with certain laws and regulations, to help us design or improve our products and services; and to understand your financial needs so that we can provide you with quality products and superior service.

We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.

At Nebraska State Bank, employees are educated on the importance of maintaining the confidentiality of customer information, and on these Privacy Principles. Because of the importance of these issues, all Nebraska State Bank employees are responsible for maintaining the confidentiality of customer information, and employees who violate these Privacy Principles will be subject to disciplinary measures.

Nebraska State Bank is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards.

It is the bank’s policy not to reveal specific information about customer accounts or other personally identifiable data to unaffiliated third parties for their independent use, except for the exchange of information with reputable information reporting agencies to maximize the accuracy and security of such information, or in the performance of bona fide corporate due diligence or business matters, unless 1) the information is provided to help complete a customer-initiated transaction; 2) the customer requests or permits it; or 3) the disclosure is required by or allowed by law (e.g., subpoena, investigation of fraudulent activity, request by regulator, child support enforcement authorities, etc.)

We do not provide account or personal information to non-Nebraska State Bank companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.

When the Bank conducts business with third parties, it requires its vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.

At Nebraska State Bank, we value our customer relationships. We want you to understand how we use the information you provide, and our commitment to ensuring your personal privacy. If you have any questions about how Nebraska State Bank protects your confidential information, please call us at 308-772-3234.

Beverly L Krajewski, Privacy Manager