Welcome Gifford State Bank
The Fountain Trust Company: Banking on Trust Since 1903
For more than 120 years, The Fountain Trust Company has been helping our communities grow stronger—one customer, one relationship, and one handshake at a time.
We’re pleased to welcome you and look forward to building a strong banking relationship with you.
Beginning Saturday, April 4, your Gifford State Bank accounts and services will begin converting to The Fountain Trust Company systems. All updates will be effective Monday, April 6, when you’ll be able to access your new banking services and digital tools.
Over the coming weeks, you’ll receive additional information from us by email and mail to help guide you through the transition.
For more details, please review the Frequently Asked Questions section below.
We look forward to serving you.
Learn More:
Updated Hours with Expanded Lobby Access and Contact Center Support
Lobbies:
| April 3-5 | Gifford, Thomasboro, St. Joseph and Potomac are closed. |
| April 6 | Gifford, Thomasboro, St. Joseph and Potomac reopen. |
Contact Center:
| April 3-5 | Closed |
| April 6-8 | Extended hours: 6:00 am CT – 6:00 pm CT |
| Starting April 9 | Normal Hours Resume Monday – Friday: 7:30 am CT – 4:00 pm CT Saturday: 7:30 am CT – 12:00 pm CT |
Frequently Asked Questions
General
1. What is happening with The Gifford State Bank and The Fountain Trust Company?
On March 10, 2026, The Gifford State Bank merged with and into The Fountain Trust Company. Through April 6, 2026, The Gifford State Bank will continue operating under its current name as a division of The Fountain Trust Company. During this time, customer accounts and transactions will remain in Gifford State Bank systems until the conversion begins at 5:00 PM CDT (6:00 PM EDT) on April 3, 2026.
If you have questions about your account before the transition is complete, please contact the employees at The Gifford State Bank. After April 6, 2026, all account information will be fully transitioned to Fountain Trust Company systems.
2. What changes are taking place?
As part of the acquisition, we will convert from The Gifford State Bank’s software and digital platforms to The Fountain Trust Company’s system. You can expect:
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- Contactless Debit Cards - making transactions quick, effortless, and secure!
- Card Management - turn your card on and off, get instant alerts when your card is used, and set spending limits.
- Enhanced Online + Mobile Banking experience - updated layouts and navigation features that gives you the ability to take control of your finances on your own time.
- And much more...
3. What does “conversion” mean, and when will it happen?
Conversion is when your account information and services are securely moved from Gifford State Bank’s systems to Fountain Trust Company’s systems. This process will begin on April 3 and will be completed when the new banking and digital systems are live on April 6, 2026. Please watch for mailings and emails with important information and any actions you may need to take.
4. I have further questions, how do I contact you?
As we make this exciting transition, we want to meet your expectations every step of the way. Our team is here to help—please call 1-888-801-8112 or visit your local branch with any questions.
Contactless Debit Card
1. When can I activate and begin using my new Fountain Trust Company debit card?
Activate your new contactless debit card and begin using it on Monday, April 6, 2026. (Reminder: you cannot activate or use your new debit card until April 6. Keep using your existing Gifford State Bank debit card until 11:59 p.m. on Sunday, April 5.)
3. Will my new debit card have a new number, or will I be able to keep the same number?
Your new contactless debit card will have a new 16-digit number; therefore, on or after April 6 you will need to provide your new card information to any vendor where you have your card saved to ensure you do not have any payment interruptions. With your new Fountain Trust debit card, your transactions will be quick, effortless, and secure.
4. Will I still be able to insert my card via the chip or swipe it?
Yes! You can still use your card's chip or swipe functionality; however, the contactless payment method offers a secure, convenient, and speedy way to make payments.
Online Banking & Mobile App
1. Do I need to download The Fountain Trust Company mobile app?
Yes. Please visit the App Store or Google Play to download The Fountain Trust Company mobile banking app and establish your credentials on or after April 6. You may delete The Gifford State Bank app from your device on April 6.
2. How do I sign in to Online Banking for the first time on the new online banking system?
On or after April 6, you can securely sign into your new Fountain Trust Company online banking system for the first time. Please refer to the Acquisition Guide or the Digital Services Guide (that you will soon receive) in the mail and by email, or call The Fountain Trust Company at 765-793-2237 (toll-free at 888-801-8112).
Bill Pay
1. Will my Bill Pay information transfer to The Fountain Trust system?
Unfortunately, your current bill pay service limits the information that is available to transfer. As a result, bill pay information will not transfer to The Fountain Trust system. Please make note of any online bill payments, including biller name, account number, address, amount, and due date. This information will need to be entered into The Fountain Trust Company system on or after April 6, to create your online bill payments.
2. Will I still receive my eBill?
eBills will need to be reestablished in The Fountain Trust system on or after April 6.
eStatements
1. Will my eStatements transfer to The Fountain Trust system?
Unfortunately, your current eStatement service limits the information that is available to transfer. As a result, eStatements will not transfer to The Fountain Trust system. Before April 6, please download any eStatements from your current Gifford State Bank online banking system that you would like to archive for your records.
Alerts
1. Will my existing alerts transfer to The Fountain Trust system?
Alerts established in the previous The Gifford State Bank system are not able to be transferred to The Fountain Trust system. You may reestablish balance and transaction alerts in the new system beginning on April 6. When using our mobile app, you’ll need to enable notifications in order to receive alerts.