Federal Regulation

Our primary federal regulator is the FDIC. You may contact them at http://www.fdic.gov/about/contact/ask/.


To provide better service and a more effective Web site, we may use "cookies" as part of our interaction with our customer's browsers. A "cookie" is a small text file placed on our customer's hard drive by our Web Page Server. A cookie cannot retrieve any other data from a hard drive, pass on computer viruses, or capture an email address. Cookies are commonly used on Web sites and do not harm our customers' system. We use cookies in places where our customers need to register, such as Internet banking, or where our customers are able to customize the information they see. Recording a cookie at such points makes the online experience easier and more personalized. We also use cookies to identify what sections of our site our customers visit most so we can continue to provide more information on the topics and subjects our customers have demonstrated interest in. These cookies do not collect personally identifiable information and we do not combine information collected through cookies with other personal information to determine who our customers are or an email address. By configuring preferences or options in the browser, our customers can determine if and how a cookie will be accepted.

U.S.A. Patriot Act

Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver's license or other identifying documents.

Confidential Information

First State Bank and Trust would like to advise our customers and friends not to send confidential information such as bank account numbers or social security numbers when you email. First State Bank and Trust emailing is not secure so please take care regarding the information that you email to us.

Third Party Links

This financial institution offers links to other third party websites that may be of interest to our website visitors. The links provided in our website are provided solely for your convenience and may assist you in locating other useful information on the Internet. When you click on these links you will leave our website and will be redirected to another site.

These sites are not under the control of this financial institution. We are not an agent for these third parties nor do we endorse or guarantee their products. We make no representation or warranty regarding the accuracy of the information contained in the linked sites. We suggest that you always verify the information obtained from linked websites before acting upon this information.

Also, please be aware that the security and privacy policies on these sites may be different from our policies, so please read third party privacy and security policies closely.

If you have any questions or concerns about the products or services offered on linked third party websites, please contact the third party directly.>


First State Bank and Trust holds security in the highest regard. All of our Internet Banking features are run over secure connections and data is monitored 24 hours a day, 7 days a week. The Internet Banking feature of our web site requires you to use a 128-bit encryption browser. For security reasons, we do not specify our exact security measures, but we want to make sure you feel secure when doing your banking online.

First State Bank and Trust will never ask for your password, account number or other personal information over the phone, text message or by email. We will never send unsolicited email containing attachments.

Protect Your Information

Phishing scams try to trick you into giving away your passwords, account numbers and other personal information. It is up to you to protect your password and account information.

  • Never provide your personal information in response to an unsolicited request over the phone or email
  • Never provide your password or account number in response to an unsolicited request over the phone or email
  • Immediately report suspicious phone calls, emails, webpages

Security Resources
Mortgage HELOC Disclosures


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