Smart Online Banking: System, Technology, and Security Alerts
We sincerely appreciate your understanding and patience as we work to resolve the issues noted below. Our team remains committed to transparency, security, and providing a reliable banking experience. Updates will be shared as new information becomes available. Questions can be submitted to contactus@thefarmersbank.com.
TECHNOLOGY/SOFTWARE ALERT
Last Updated: Tuesday, December 23, 2025, at 12:00 p.m.
ACCOUNT BALANCE DISPLAYS
The Farmers Bank is aware of a system issue impacting how account balances are displaying within our SMART Online Banking portal and mobile app.
Our team identified that for some customers, account balances shown in online and mobile banking were either displaying inaccurately or reverting to a previous day’s balance. While this display issue may have caused confusion for customers viewing their accounts digitally, please know that The Farmers Bank’s internal systems continue to reflect correct account balances. This means your funds remain secure and accessible. Our team members at each financial center can see the correct balances and confirm available funds if you have questions or need assistance.
We are actively working with our software partners to resolve this issue as quickly as possible and restore real-time balance accuracy across all digital platforms. We understand the importance of timely and accurate information and appreciate your patience while this matter is addressed.
ACCOUNT BALANCE DISPLAYS - FAQ
When I log in to online or mobile banking, I am seeing a balance different from what I expected. Why is this happening?
Under normal circumstances, transactions such as debit card purchases or check deposits may take anywhere from a few minutes to an hour to reflect in your available balance. While balances are intended to update frequently throughout the day, some transactions do not fully settle until the next business day.
The current issue we are experiencing prevents balances from updating properly overnight. As a result, the displayed balance may not reflect recent activity. Please be assured that The Farmers Bank can see your correct balance internally, and your funds are available based on your actual account activity. This is a display issue only, and resolution efforts are underway.
I have a joint account, and my spouse or partner and I are seeing two different balances. What should we do?
This situation has been reported in a small number of cases. We are aware of the issue and are actively working with our software provider to correct it. Your account balance remains accurate within our internal systems, and your funds are available. If you would like confirmation or assistance, please contact or visit your local Farmers Bank financial center.
I recently deposited funds. When will those funds be available?
If you made a mobile deposit or deposited funds at one of our financial centers, a portion of the deposit may be available immediately. Full availability of deposited funds typically occurs on the next business day, depending on your account type, transaction history, and deposit method. If you have questions about the availability of a recent deposit, we encourage you to speak with a team member at your local financial center. They can review your account and provide accurate, up-to-date information.