Get Ready: Get to Know SMART Online Banking

Get Ready: Get to Know SMART Online Banking

SMART Online Banking Debuts Monday
Here is some additional information for you as we get ready to roll out a new online dashboard and mobile app on September 29. Our goal is to keep you updated so you feel confident about what is coming.

All Customers: What You Need to Know Today

• Bill Pay Availability: The bill pay feature is no longer available until the new dashboard is available on Monday. The payee information you had provided previously will be migrated over to the new dashboard. Payments currently scheduled or in progress will continue to be processed behind the scenes. Of course, we encourage you to double check your payee information when processing your first payment on the new dashboard.
• View-Only Mode: From 5:00 pm, Friday, September 26, through approximately 10:00 am of Monday, September 29, Online Banking and our mobile app will be in view-only mode, and at times experience limited or no availability.
• What You Can Still Do: You can check your balances, use your debit card, write checks, and visit any Farmers Bank location for in-person service.
• What You Cannot Do: Transfers between accounts, pay bills or make changes to your account, these will be temporarily unavailable during this time.
• What Happens Next: At approximately 10:00 am on Monday, September 29, you will receive instructions from us on how to log in via TheFarmersBank.com website to SMART Online Banking. We will also share information on how to download our new mobile app. (The current app will no longer be available.)

The Rollout Plan
We understand that this is a big change for our customers and that access to your finances is critical to your daily activities. We are committed to making this transition as smooth as possible. Here are some more specifics about the switch from our current version of Online Banking to the new SMART Online Banking this weekend.

Friday, September 26

• Our current version of Online Banking switches to view-only mode at 5:00 PM. You can view your balances, transactions and eStatements but do not have access to other online account functions, including payments and transfers. Please Note: Any payments you previously scheduled to be paid during this time are still processed.
• Our mobile app and Text Message Banking are unavailable starting at 5:00 PM.
• The Farmers Bank ATMs are available as usual for balance inquiries, deposits and withdrawals.
• You still receive your Alerts as usual.

Sunday, September 28

• Our current version of Online Banking and Alerts are unavailable beginning at 6:00 pm.
• Telephone Banking may be limited or unavailable throughout the weekend. Telephone Banking will be fully restored when the new Dashboard goes live on Monday, September 29.

Monday, September 29

• You will be notified by email at approximately 10:00 am that you can now log in to our new SMART Online Banking.
• SMART Online Banking, Text Enrollment Banking and Alerts will be available. Please Note: There are changes to all these services, and you need to re-register for Text Message Banking and Alerts.
• Download the new TFB Smart Online Banking App - available on iPhone and Android.

Need Assistance
When services are restored on Monday, September 29, we will be standing by ready to assist you with any question you need answered. Here are a couple of options:

• Contact Us by Phone: call 765-654-8731; Monday - Friday 9:00 am - 5:00 pm; Saturday 9:00 am - 12:00 pm.
• Send an Email: You can email us your question at [email protected].
• SMART Online Banking Open House: the Financial Centers will be open for an additional two hours; from 5:00 pm - 7:00 pm on Monday, September 29. You can visit a financial center in-person if you need help logging in or have questions about the new features. Please note: banking services and appointments will not be available during this time.

Stay Alert: Protect Your Account from Fraud During this Transition
As we launch SMART Online Banking, your security remains our top priority. During times of change, cybercriminals often take advantage of increased email and online activity to send fraudulent messages or create fake websites. Please take a moment to review these tips to help keep your account safe during our transition to the SMART Online Banking dashboard.

1. Verify Before You Click - Only log in through our official website or app. Avoid clicking on links in unsolicited emails or texts. If you are not sure, you can always visit TheFarmersBank.com directly to access your account.
2. Watch for Urgent or Unusual Requests - be cautious of messages that pressure you to act quickly, provide account details, or send payments.
3. Confirm Sender Information - fraudulent emails often look convincing but may use slightly misspelled names or unusual email addresses.
4. Keep Your Credentials Private - The Farmers Bank will never ask you to share your username, password, or secure access word by email, phone, or text. The Farmers Bank will never ask you to provide account details over the phone without you first confirming your security word. You can always call us 765-654-8731 so that you know you are talking to the bank.
5. Report Suspicious Activity - If you receive a questionable message or notice unauthorized transactions, contact your local Financial Center or for businesses the Treasury Management team immediately.

No Action Needed YetThis update is for your awareness only. We will continue to provide you with step-by-step instructions leading up to September 29, so you are fully prepared for launch day.At The Farmers Bank, we are committed to making your banking experience better, smarter, and more convenient than ever before.If you have a question about this transition to our new online dashboard and app, please reach out to your local Financial Center or call 765-654-8731.For more information about The Farmers Bank, visit https://http://www.thefarmersbank.com.

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About The Farmers Bank
Founded and headquartered in Frankfort, Indiana since 1876, The Farmers Bank is a community bank with 11 full-service locations across Boone, Clinton, and Hamilton counties. Built on a legacy of trust and personal connection, The Farmers Bank offers comprehensive banking solutions - including deposits, lending, investment, and trust services - tailored to meet the needs of individuals, families, and businesses. Committed to growing stronger communities through meaningful relationships, The Farmers Bank continues to deliver a better banking experience-one relationship at a time. Learn more at thefarmersbank.com. Let's Grow!

CUSTOMER CONTACT
Customer Care Center
[email protected]
765-654-8731 headquarters