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Security


How we protect you: Online Security


First State Bank uses the most advanced security available on the Internet today. All sensitive information is encrypted and online access requires a Personal ID and a password known only to you. As a security measure, you will only be able to access your account information online from the First State Bank website if you are a registered user of First State Bank online banking.

At First State Bank, we recognize security concerns and we are serious about security issues. In addition to our high security standards offline, we incorporate many security tiers into the First State Bank Online Banking system. Every possible effort is made to ensure that your account information is protected from unauthorized access. While our Privacy Policy outlines the use, collection and retention of client information, this information may also help you better understand the security of online banking.For questions regarding security, please Contact Us or call a Customer Service Representative Monday through Thursday 8:30 a.m. - 4:30 p.m. EST, Friday 8:30 a.m. - 5:30 p.m. EST or Saturday 8:30 a.m. to 12:00 p.m. EST. We can be reached at 574-825-2166 or toll free at 800-511-1802.

Encryption, SSL and Firewalls

First State Bank Online Banking uses Secure Socket Layer (SSL) technology with 128-bit encryption to encrypt our personal information such as User ID's, passwords and account information over the internet. This means your banking information never travels the Internet without encryption protection. Through encryption, any information provided to you is scrambled en route and decoded once it reaches your browser. As additional security, firewalls exist to further prevent unauthorized access. Security Measures

First State Bank Online Banking is a secure site. No one can view, obtain, or intercept information from this secure area without a proper Online Banking ID and Online Banking PIN. You may check that your web session is secure by looking for a small lock symbol usually located in the lower corner of your web browser window. You will find a completely closed lock in the lower right corner indicating a secure connection. The lock will remain closed as long as you remain in a secure site. Current versions of leading web browsers indicate when a web page is encrypted for transmission through this symbol. You may also look for the letters "https://" at the beginning of your website URL in your web browser. The "s" means that the web connection is secure.

You are able to view the date of last access to your online banking session. This date of last access is displayed after you log in so that you can verify that no one else has accessed your system.

Password Security

When as a new user you access First State Bank online banking for the first time, you will be prompted to change your password before proceeding.

Change your User ID and password as often as you like. To change, select the Options menu within First State Bank online banking. For additional security, you will be prompted to change your online banking password every 180 days.

It is important that only you know your User ID and Password. If an unauthorized person attempts to access your account, your password will be disabled on the third incorrect attempt. Three (3) unsuccessful attempts will lock out the User and prevent account access. If you accidentally activate this security feature by unintentionally mis-keying your password three times, you will also become locked out. A mistake commonly made is having the CAPS lock on when keying a User ID or password. In the event that you find your account locked, you may reset your password through a Self Reset option.

If you are unsuccessful or you wish to report unauthorized attempts, please Contact Us or call a Customer Service Representative Monday through Thursday 8:30 a.m. - 4:30 p.m. EST, Friday 8:30 a.m. - 5:30 p.m. EST or Saturday 8:30 a.m. to 12:00 p.m. EST. We can be reached at 574-825-2166 or toll free at 800-511-1802.

Log-in Image & Challenge Questions

A Log-in image helps you verify that you are logging into the genuine First State Bank Online Banking site before you enter your password. Once selected, your image will be visible on the password screen during the log-in process and will be a part of every login.

Challenge questions are questions and answers chosen by you. In the future, you may need to provide your answers to these questions if your identity cannot be readily validated.

Personally Selected Account Names

Your account numbers are not visible over the internet and can not be found anywhere in First State Bank Online Banking. You can choose a "pseudo name" for each of your accounts that help you easily identify accounts. An example of a pseudo name is vacation account, You can identify your "pseudo name" for your account in the "Options" section of online banking.

Automatic Log Off

To further protect you, a timeout security feature is employed. After a ten-minute period of inactivity, the system will automatically log you out of First State Bank online banking.

Email

Email sent to First State Bank within the Secure Message Center on the website or through online banking is secure. However, email sent to us through other means is not secure. We ask that you not send any confidential information to us through regular email.

First State Bank does not solicit information (SSN, account numbers, credit card numbers, passwords, etc) by means of email. If you receive an email requesting confidential information from someone claiming to represent First State Bank, do not respond to the email. Please Contact Us or call a Customer Service Representative Monday through Thursday 8:30 a.m. - 4:30 p.m. EST, Friday 8:30 a.m. - 5:30 p.m. EST or Saturday 8:30 a.m. to 12:00 p.m. EST. We can be reached at 574-825-2166 or toll free at 800-511-1802.

Online Links to Third Party Websites

First State Bank is not responsible for the information or privacy practices of sites linked to or from our website. Third party links are provided to point to resources and topics that may be found of interest or useful to our website users. Third party websites may have very different privacy policies and security that governs their sites.

Children Visiting Our Website

First State Bank's website is directed at customers and prospective customers, with the majority being adults, however, we understand that children may access our website and information will be available. For example, they may request information concerning our products and services and may want to enroll for certain products and services. Should children access the First State Bank website, we are confident that parents will not judge any of the information accessed as objectionable for viewing by children. Parents can utilize various software packages that are available to prevent their children from accessing websites they deem inappropriate. Parents can choose these tools or other methods to limit the websites to which their children have access.