First Security State Bank Cedar Falls: 319-266-0474 \ Evansdale: 319-235-6731 \  Waterloo: 319-233-1181
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Privacy Policy

First Security State Bank is committed to maintaining the confidentiality of our consumers’/customers’ information as this is at the core of our relationship with our deposit, loan, investment and fiduciary consumers and consumer/customers.  Our Board of Directors has adopted these privacy principles to govern our promise to you, our consumers and consumer/customers, that we will protect your trust and confidence by following these principles.

All directors, officers, and employees of First Security State Bank will abide by these principles in all settings, both public and private.  We view this subject as particularly important to our consumers and consumer/customers and our bank.  Our staff has been directed to immediately report any breach to this policy as well as all other policies.  All have been informed that any breach of this policy will initiate immediate disciplinary action up to and including termination. 

We understand that you expect that the information about you that you have entrusted to us will be handled with great care.  We value your trust and understand that keeping your information secure is one of our most important responsibilities.  For that reason, you should be confident that we do not sell or share your confidential information with any company for the purposes of that company marketing their products to you.  We do not disclose any nonpublic personal information about our consumers and consumer/customers or former consumers and consumer/customers to anyone, except as permitted or required by law.

HANDLING YOUR INFORMATION
One of the ways we protect your information is by limiting our staff’s access to information about you to those with a business reason to know your information.  In addition, we train our management and staff about the importance of maintaining the confidentiality of consumer/customer information.  All are taught that they should never discuss or disclose confidential consumer/customer information inside or outside of First Security State Bank unless required to transact proper bank business.  We maintain physical, electronic and procedural safeguards that comply with state and federal standards to guard your nonpublic personal information.

The Data Security Officer, as approved by the Board of Directors, is responsible for the day-to-day compliance with this policy.  This Officer will be responsible for providing management and staff with privacy training on at least an annual basis.  Periodically, but no less frequently than on an annual basis, this Officer will test and verify that the privacy principles in this policy are being complied with by management and staff.  We will continue to update and test our security systems and procedures so that your information is kept confidential.

USE, COLLECTION AND RETENTION OF INFORMATION
We collect and retain information about you only when we reasonably believe that the information will assist us in our business and in providing products, services and other opportunities to our consumers and consumer/customers. One of the main reasons we collect certain information is to protect your accounts and to identify you.  The information we collect will also be used to comply with certain laws and regulations that may apply to us.  Information collected will also help us to understand your financial needs as design or improve our products and services.  We will also use your information to administer your accounts and transactions and to provide you with products and services that will best assist you.
We collect nonpublic, personal information from you from the following sources:

  • Information we receive from you on applications, other forms or documentation provided by you;
  • Information about your transactions with us, our affiliates or others;
  • Information we receive from a consumer-reporting agency.

PROVIDING INFORMATION TO OTHERS
We do not sell or otherwise provide consumer/customer information to unrelated third parties for the third parties to use for their own purposes.  We do share information with companies that work for us.  For example, we may share information with companies that print checks for us or provide data processing services.  These companies are acting on our behalf when they provide these services and are obligated by contract to maintain the information that they receive in a confidential manner.  They are never authorized to use the information for any other purposes.
We also provide information:

  • When you authorize us to release information;
  • To credit bureaus;
  • To account verification services or check fraud services;
  • To other parties when it is necessary or helpful in completing a transaction, including other financial institutions and networks involved in processing your transactions;
  • To comply with a law, regulation, court order or subpoena;
  • To verify the existence of your account and general information about the condition of your account for a merchant or other financial institution upon obtaining your written authorization to release information;
  • In response to an inquiry about the current sufficient funds to cover a check you have written;
  • To local, state and federal authorities if we believe a crime may have been committed involving your account;
  • To paying agencies, such as the Social Security Administration, after the death or incapacity of a recipient or beneficiary of recurring direct deposits; and
  • To our independent auditors, consultants or attorneys and to our regulators.

DISCLOSURE REQUIREMENTS
First Security State Bank believes all of its consumers and consumer/customers should be fully aware of the bank’s Privacy Policy.  Therefore, all new consumers and consumer/customers will receive a copy of this policy at the time of application for our services.  Additionally, all consumer/customers of First Security State Bank will be provided on an annual basis a copy of this policy.

Should you have any questions or comments regarding this policy, please contact one of our helpful and friendly staff at either (319) 235-6731 or (319) 266-0474.

ONLINE PRIVACY GUIDELINES

ONLINE INFORMATION
When a customer or any other person visits our website at www.fssbonline.com we may obtain certain information.  The information we collect is subject to all of the safeguards we have described on the previous page, and is subject to the following guidelines.  This website is the property of First Security State Bank located in Evansdale, Iowa.  Our postal address is 3600 Lafayette Rd., Evansdale, IA  50707.  Should you have any questions regarding the privacy of your personal information, we can be reached via email at ron@fssbonline.com or you can reach us by phone at (319) 235-6731.

OUR COMMITMENT
First Security State Bank is committed to providing the highest level of security and privacy regarding the collection and use of our Internet banking clients’ personal information, as well as that of all visitors to our website.  Personal information may be collected through the submission of account applications, Internet banking transactions, or through the use of online financial tools, such as interactive calculators.

We respect your right to privacy and take every known precaution to provide you with the same level of privacy within our Internet banking center that you receive through our more traditional bank service delivery channels.

COLLECTION AND USE
The collection of personal information online is designed to protect access to your personal accounts and to assist the bank in providing you with the products and services you want and need.  All personal information collected and stored by the bank is used for specific business purposes to protect and administer your personal accounts and transactions, and to help the bank better understand your financial needs in order to design or improve our products and services.

We collect information from visitors to our website by general information that we gather from your computer and specific information that you choose to provide to us.  As a general policy, we do not automatically store or collect specific personal information concerning visitors to our website.  We will, however, collect and store general information such as:

  • The name of the domain from which you access the Internet (for example msn.com if you are connecting from the Microsoft Network or aol.com if you are connecting from America Online);
  • The Internet address of the website from which you linked directly to our site, if any (for example, www.yahoo.com if you find us suing the Yahoo! Search option);
  • The type of web browsing software you are using to view our site (such as Netscape or Internet Explorer); and
  • The date and time you access our site.

Employing stringent security measures in the collection of your personal information, all First Security State Bank Internet account applications that we may utilize will be submitted to the bank’s secure administration site through an encrypted direct line to the bank.  Once received by the bank, only approved personnel may open and process the application.  Furthermore, auditing mechanisms will be put in place to further protect your information by identifying which employee(s) has/have accessed and in any way modified, updated or added to your personal information.

LIMITING EMPLOYEE ACCESS TO PERSONAL INFORMATION
First Security State Bank limits employee access to your personal information to only those with a business reason for knowing such information.  We also educate all employees about the importance of confidentiality and consumer/customer privacy.  In addition, individual user names and passwords are used by approved bank personnel to access your personal information in the bank’s main data processing system, providing audit trails to further safeguard the privacy of your personal information.

COOKIES
To provide you with better service and quicker access to certain section of our website of interest to you, we may use a “cookie”.  A cookie is a small bit of information given to your browser by a website, which can later be retrieved.  A cookie is a way for a website to recognize whether or not you have visited the site before.  The cookie cannot by read by a website other than the one that “set” the cookie.  We use cookies for administrative purposes, such as where we store a user name or password, or where you are able to customize the information you see.  Recording cookies at such points makes your online experience easier and faster.  Most of our cookies last only through a single visit.  They do not read your hard drive or contain any information that you have not already provided.  None will contain information that will enable anyone to contact you via telephone or email.  Your web browser can be set to inform you when cookies are set or to prevent them from being set.  However, this may cause your online experience to be slower and more cumbersome.

E-MAIL
We preserve the content of your email, your email address and our response so that we can better serve you.  Depending on the content of your email, we may be required by existing laws and regulations to keep this information.  If you send email to us, please remember that email is not secure from interception.  If your email contains information that is very sensitive or includes personal information such as account numbers, debit/credit card numbers, or your Social Security number, you may wish to consider sending this information to us in another way.

CHILDREN’S PRIVACY
First Security State Bank’s Privacy Policy applies to individuals.  With respect to commercial credit information, we follow the Robert Morris Associates “Code of Ethics for the Exchange of Credit Information.”  We do not disclose information to parties outside of First Security State Bank and its affiliates, concerning the existence or administration of a trust, except to comply with a law, regulation or judicial proceeding or as deemed necessary in the administration of the trust.

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