Frequently Asked Questions

Your Questions. Our Answers.

Have a question on our banking services, mobile apps or banking security? Check out our Frequently Asked Questions for answers to some of the questions we're most commonly asked. Don't see your question listed? Contact us here and we'll promptly respond!

Lost/Stolen Cards, Security & Fraud Protection

  • I lost my ATM and/or debit card. What should I do?

    For lost or stolen cards, call 715.425.2401 during business hours or 1.800.472.3272 after hours.

  • Will I be notified if there is any suspicious activity with my account?

    Yes. If there is a debit card transaction flagged as potentially fraudulent, you will receive a call from our fraud department.
    If you are enrolled in online banking, you can choose to receive SecureAlerts. Learn more about SecureAlerts here.

  • I plan on traveling, do I need to notify FNBRF and when should I do so?

    Yes, please. If traveling out of the country or extremely long distances, please notify us prior so we can ensure that your debit or credit card services will not be interrupted. 

Online Banking

  • What online banking options does FNBRF offer?

    FNBRF offers comprehensive online banking services for both personal and business banking, including 24/7 account access for you to check your balance, transfer funds, view transactions and online bill pay. Learn more by visiting our personal and/or business online banking pages.

  • How do I enroll in online banking with FNBRF?

    To enroll in online banking, for personal accounts, fill out our enrollment form.
    To enroll in online banking, for business accounts, contact a banker, by calling 715.425.2401, to initiate enrollment 

  • How do I enroll in mobile banking with FNBRF?

    Download the “FNBRF” app from your App store and log into your secure account using your mobile banking credentials. Not signed up for online banking yet? Enroll Now.
  • Does FNBRF offer mobile deposit of checks?

    Yes! You may deposit checks anytime and anywhere with the FNBRF Mobile app. For step-by-step instructions, visit the FNBRF mobile banking page of our website.


  • How do I apply for a home mortgage loan, refinancing or a home remodel with FNBRF?

    You can apply for a new home purchase loan, home refinancing loan or home remodeling loan with FNBRF by completing this form.

  • I’m starting or expanding my business. What financial options does FNBRF have available?

    Visit our Business Loans page and learn more about our services and our commercial lenders.

ATM Locations, Debit Cards & Checks

  • How long will it take to get my ATM, debit card and/or checks once they’re ordered?

    ATM, debit cards and or checks usually arrive within 7-10 business days once they’re ordered.

Donation & Sponsorship Requests

  • How do I request a donation from FNBRF for my community organization or event?

    FNBRF is proud to support several organizations and events throughout the St. Croix Valley. If you’d like to request a donation or sponsorship from FNBRF, please complete this form.