First Security State Bank Cedar Falls: 319-266-0474 \ Evansdale: 319-235-6731 \  Waterloo: 319-233-1181
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What's New!

We have joined the Privileged Status program.  

More ATM's available with no surcharge fees.  Look for more information in the Electronic Services section of this site.

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Important Information for Online Banking Users

Multifactor Authentication for Online Banking

As a result of recent regulation changes, financial institutions with online banking services are now required to add multifactor authentication to their online banking services applications.

First Security State Bank implemented its multifactor authentication functionality on December 27th, 2006. You will be prompted at your first login to complete the new security features.  After you login with your current User ID and Password, you will be assigned an image.  You will be prompted to enter an Authentication Phrase.  This is in relation to the image you were given.  Special characters are not accepted.  You will then be prompted to select three different challenge questions and supply the correlating answers.  Special characters are not accepted.  Next, you will have the option to register the computer.  Finally, you will click submit to complete the login.

If you register your computer with your Online Banking Account, you will not be required to answer the Challenge Response questions after your initial login.  If the computer you are using is a public or shared computer, you DO NOT want to register it.

Registered PC

On each subsequent login from a registered computer, after you enter the User ID on the first screen, the second screen will show your image, authentication phrase and require you to enter your password.

Non-Registered PC

If you are logging in on a non-registered PC or you have deleted the session cookies, the second screen will prompt you to answer the Challenge Questions that you setup on the Security Enrollment.  The maximum invalid tries per question is two with the total invalid tries for all questions being five.  The questions will randomly appear.  You only have to answer one question correctly before moving onto the next screen.  Once a question has been answered correctly, you will receive the following screen with your image, phrase and prompt you for your password.  You will have the option to register the computer.

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Customer Information Scams

Please be aware if you receive an email falsely claiming to be an established, legitimate enterprise, the sender of the email can copy the enterprises logo from their website, and the email looks legitimate.  This is an attempt to scam you into surrendering private information that can be used for identity theft.  The email directs you to a website where you are asked to update personal information such as passwords, credit card, social security numbers and bank numbers.

First Security State Bank will NEVER request this information via email and ask you never give out this personal information unless you initiated the contact.

Phishing, Vishing, SMiShing, Pharming, or Spoofing?

Terms abound for the schemes criminals use to defraud, the following are the most common.


Phishing involves using a communication medium (typically e-mail) to illegally masquerade as a financial institution or well-recognized financial entity to trick consumers or industry employees into releasing personal or confidential information by way of the Internet.  These attacks often direct the victim to a fraudulent web page that appears to be identical to the institution's valid site.  Upon entering personal information such as account numbers, PINs, or passwords, the attacker then has the information required to perform identity theft and commit fraud.


Vishing, or voice phishing, uses the same elements of phishing, but employs the telephone system rather than the Internet.  Instead of directing a consumer to a fraudulent web site, vishers establish fraudulent phone numbers and use equipment that can interpret and store telephone keystrokes.  Like a phish, an attack can be initiated by sending blast e-mails to many individuals in the hopes of receiving a small number of responses.


SMiShing is a combination of the words "mobile telephone" and "phishing." If you use your mobile telephone for online purchases and banking needs, you may be more vulnerable to SMiShing scams. Fraudsters may call someone's mobile telephone or leave a message asking for personal information, such as PINs or passwords, or ask the person they are contacting to provide personal information to verify a purchase. It is important to note that using the keypad or keyboard on your mobile phone to type personal information may provide fraudsters with the ability to record the information given to them.


A pharmer redirects a consumer from a legitimate commercial web site he or she had intended to visit to a criminal one.  The bogus site, to which the victim is redirected without his or her knowledge or consent, will likely look the same as a genuine site.  However, when a user enters his or her login name and password, the information is captured by the criminal.

Web Spoofing

Web spoofing happens when a scam artist creates a copy of a web site on the Internet.  This copy looks the same as the real site, but is used in spoofing attacks to confuse and mislead the web site's visitors; however, the scam artist controls the false web site to gain access to the following information:

  • User identification logons
  • User passwords
  • Personal information
  • Internet usage habits
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