Disclosures

FIRST SECURITY BANK
ONLINE SERVICE AGREEMENT

This Agreement and Disclosure describes your rights and obligations as a user of First Security Bank’s Online Banking Services.  By requesting and using one of the Services, you agree to comply with the terms and conditions of this Agreement. Please read the following information and keep it for future reference.

The words "we", "us", "our", “the Bank” and "First Security" refer to First Security Bank, its parents and subsidiaries, and any agent, independent contractor or assignee First Security Bank may, in its sole discretion, involve in the provision of the Site. The words "you" and "your" refers to visitors and users of the Online Banking Site. A reference to the term "Site" refers to First Security Banks Online Banking Site.

By using First Security Bank’s Online Banking Service, you are entering into a legal agreement with First Security Bank to abide by all the rules and regulations of the Online Banking Service Agreement entered therein, as may be amended from time to time.  By Clicking “ACCEPT”, “AGREE”, “PROCEED”, or “CONTINUE”, as applicable, or by using any of First Security Bank’s Online Banking Services (as described herein), you agree to be bound by and fully comply with each and every provision of the Online Banking Service Agreement.

Customer’s Obligations

The following definitions apply in this Agreement. Online Banking is the Internet-based service providing access to your First Security Bank account(s); Online Account means any of First Security's accounts from which you will be conducting transactions using a Service, and "Password" is the code you will create, after the Bank has flagged your accounts for Online Banking access that establishes your connection to the Service.

The Bank will provide instructions on how to use the Online Banking service. You will gain access to your Online Account(s) using your Internet-enabled device, your Internet Service Provider, your Password, your Login ID, and Multi-Factor Authentication.

Each individual who has access to Online Banking, including each individual named on joint accounts, must designate a PASSWORD. Your password must be a minimum of 8 characters, up to a maximum of 15 characters. You may be required to change your password periodically to enhance security.

In addition, the Password protects you against unauthorized users of these services. You agree not to let anyone gain access to the Service or to let anyone know your Password used with the Services. You agree to assume responsibility for all transactions up to the limits allowed by applicable law. Remember, knowledge of your Password by an unauthorized party welcomes the unauthorized use of these services. If you tell anyone your Password and they use these services, First Security Bank will not be held responsible.

If you believe that someone has gained knowledge of your Password; or that someone has transferred or may transfer money from your account without your permission, notify the Bank immediately via the telephone numbers provided in this agreement. Prompt telephoning is the best way to keep possible losses to a minimum. You could lose all the money in your account if you fail to exercise your rights within the limits set forth in this Agreement. THE BANK WILL NOT ACCEPT NOTIFICATION OF LOST OR STOLEN PASSWORDS, UNAUTHORIZED TRANSFERS, STOP PAYMENT REQUESTS, OR CHANGE OF ADDRESS REQUESTS VIA E-MAIL.

If you tell us within two business days of learning of the theft or loss of your Password, you can lose no more than $50.00 if someone uses these services. However, if you fail to notify us within those two (2) business days and the Bank discovers we could have prevented the person from using these services without your permission if you had told us, you could lose as much as $500.00.

Notify the Bank immediately if your monthly statement shows transfers you did not make. If you do not notify us within sixty (60) days after the statement was mailed to you, the Bank is under no obligation to retrieve or refund any portion of the lost funds.

By using First Security Bank’s Online Banking Service, the user agrees:

1. Transmission of confidential business and sensitive personal information is at the users (your) own risk.
2. First Security Bank reserves the right to monitor and review transmissions on-line and to remove or reject any material which the Bank (at its sole discretion) believes may be unlawful or objectionable, without prior notice to the user.
3. Any unauthorized communication of any charge or debit card transaction belonging to any other person or entity is strictly prohibited.
4. Any unauthorized communication of information concerning any password or other access code of any other user is strictly prohibited.
5. To abide by all federal, state, and local laws in place that deal directly or indirectly with accessing or communicating sensitive or personal data that may be obtained via the internet.

Contact Information

If you believe that someone has gained knowledge of your Password, or if you suspect that someone has transferred money from any of your accounts without your permission, call the Bank at:

Union Star:   (816) 593-2291

Trimble:  (816) 357-2566

Indemnity Agreement

By using First Security Bank’s Online Banking system, you (the user) agree to indemnify, defend, and hold harmless First Security Bank, its parents, subsidiaries, affiliates and the respective employees, directors, officers, and agents of each, against any-and-all claims, demands, damages, costs, or expenses (including reasonable attorneys' fees) that arise directly or indirectly from your breach of this agreement or arising out of your use or conduct on the Site.

Hours of Access

You can use Online Banking seven days a week, twenty-four hours a day, although some or all Online Banking services may not be available occasionally due to emergency or scheduled maintenance.

Business Hours

Some of your rights and obligations under Federal Law are based on actions taken within a specified number of business days. Our business days are Monday - Friday 8:00 a.m. to 5:00 p.m. and Saturday 8:00am to 12:00pm.  Holidays are not included.

Available Services in Online Banking

As a user of Online Banking, you may request any of the services listed below. You understand that you must have an account, a personal Login ID, and a Password in order to receive Online Banking.

1. Account Inquires
2. Internal Transfers among your checking accounts, savings accounts, money market accounts, and loans with First Security Bank.
3. Online Bill Pay
4. Person-2-Person (P2P) Transfers to individuals
5. External Transfers - Credits into your accounts at First Security Bank ONLY, Debits from your account with First Security Bank to another bank are not permitted on Online Banking.
6. Online Statement Services
7. Stop Payment requests
8. Check Orders
9. Change of Address requests

Account Inquiries

You may use Online Banking to check balances and activity of your Bank accounts, including account histories and to view checks.

Internal Transfers

You may initiate Internal Transfers between any accounts set up within Online Banking except for time deposit accounts (CD’s & IRA’s). You are not permitted to transfer more than the available balance from deposit accounts. Online Banking identifies transfers based upon the Login ID of the user who made the electronic transfer. You understand and acknowledge that Online Banking may not reflect transactions made by multiple users from the same account if different Login IDs are used. You agree to communicate with other persons with authorized access to your accounts regarding transfers or bill payments in order to avoid overdrafts.

Online Bill Pay

To initiate Online Bill Pay (OBP), you must:

1. Designate the Bank account from which payments are to be made,
2. The complete name of each payee,
3. The account number and the payee’s remittance address as shown on the billing statement or invoice,
4. The amount of the payment and,
5. The date you wish the payment to be debited from your account.

If the date you want the payment to be debited from your account is not a Business Day, your account will be debited the next business day before 5:00 pm (CST). By using Online Bill Pay (OBP), you agree that the Bank will charge your designated account by electronic transfer, “no signature required draft” or by debiting and remitting funds on your behalf. You understand the Bank reserves the right to refuse to pay any payee you designate and will notify you promptly in that event.

If you want to add a new “Payee,” select the “Add Payee” tab located in your Bill Pay application. You may add a new fixed payment to a “Payee” by accessing the service and entering the appropriate information.  Most other additions, deletions, or changes can be made in writing or by using the service.  The Bank reserves the right to refuse the designation of a “Payee” for any reason.  You may pay any “Payee” within the United States (including U.S. territories and APO’s/AEO’s).  The Bank is not responsible for payments that cannot be made due to incomplete, incorrect, or outdated information.

Single Payments – a single payment will be processed on the business day (generally Monday through Friday, except certain holidays) that you designate as the payment’s process date, provided the payment is submitted prior to the daily cut-off time on that date.  The daily cut-off time, which is controlled by the Bank, is currently 3:00pm CST.

A single payment submitted after the cut-off time on the designated process date will be processed on the next business day.  If you designate a non-business date (generally weekends and certain holidays) as the payment’s process date, the payment will be processed on the first business day following the designated process date. 

Recurring Payments - When a recurring payment is processed, it is automatically rescheduled by the system.  Based upon your selected frequency settings for the payment, a process date is calculated for the next occurrence of the payment.  If the calculated process date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules:

• If the recurring payment’s “Pay Before” option is selected, the process date for the new occurrence of the payment is adjusted to the first business date prior to the calculated process date.
• If the recurring payment’s “Pay After” option is selected, the process date for the new occurrence of the payment is adjusted to the first business date after the calculated process date.
• If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated process date, then the last calendar day of that month is used as the calculated process date.

The system will calculate the Estimated Arrival Date of your payment, this is only an estimate, please allow ample time for your payments to reach your “Payees.” 

Limits

• $2,500/day for ACH payments
• $5,000/day for check payments

When a check payment is initiated, a hold will be placed on your account until the check is received by this bank from the company

Cancelling a Payment - A bill payment can be changed or cancelled any time prior to the cutoff time on the scheduled process date.

Available Funds

• You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill payments requested, as well as, any other payment obligations you may have to First Security Bank.
• The Bank reserves the right, without liability, to reject or reverse a bill payment if you fail to comply with the above requirement or any other term of this agreement. 
• If you do not have sufficient funds in the account and the Bank has not exercised its right to reverse or reject a bill payment, you agree to pay for such payment obligations on demand. 
• You further agree the Bank, at its option, may charge any of your accounts within the Bank to cover such payment obligations. 
• The Bank reserves the right to change the cut-off time.  You will receive notice if it changes.

Liability

• First Security Bank makes no guarantees as to the time a bill will be paid to any of your debtors.  At no time will First Security Bank be held responsible for any late fees, interest, or any other monetary fee’s you may incur from late payments made to any of your accounts.
• You are liable for all transactions you make or that you authorize another person to make even if that person exceeds his or her authority. 
• If you want to terminate another person's authority, you must notify First Security Bank and arrange to change your PASSWORD. 
• You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment. 
• The Bank is not responsible for any bill payment that is not made if you did not properly follow the instructions for making a bill payment. 
• The Bank is not liable for any failure to make a bill payment if you fail to promptly notify us after you learn that you have not received credit from a “Payee” for a bill payment.
• The Bank is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be the Bank’s agent.
• In any event, the Bank will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this agreement or the service, even if the Bank has knowledge of the possibility of them.
• The Bank is not liable for any act, failure to act or delay in acting if it is caused, in whole or in part, by any cause beyond the Bank’s reasonable control.

Fees - As the user, it is your responsibility to maintain a high enough balance to pay for any transactions you may authorize out of your account.  The Bank reserves the right to assess an overdraft or non-sufficient fund fee to any account that does not have sufficient funds to cover any transaction done on Online Bill Pay.

Person-2-Person (P2P) Transfers

We may allow you to send funds to third party recipients using such third party’s email address or mobile telephone number.  We may provide such services through a vendor, and you authorize us to deliver all financial information necessary to complete transactions initiated through Person-to-Person Transfers.  Please note that we may impose dollar amount, frequency, and other limitations on such P2P transfers from time to time.  You understand and agree that if we allow you to make such P2P transfers, we may suspend, restrict, or cancel any such third-party transfer if we reasonably suspect fraud, theft, or unauthorized use.  You acknowledge and agree that any Person with access to the email account or mobile telephone number you supply to us, or any device used in connection with such email account or mobile telephone number, will have the ability to claim the funds sent via P2P services even if such Person is not whom you intended to receive such transfer.  You agree that we will not be responsible for ensuring any funds sent via P2P transfer services are claimed by the recipient.  If any funds sent via P2P transfer services are not claimed within any time period established by us from time to time, you agree that we may reverse such transfer and credit the applicable funds to the connected account from which such transfer was sent.  If we do so, we will not be liable for (a) any interest that may have accrued on such funds or (b) fees and expenses charged with respect to any connected accounts, during the time such funds were unclaimed.

Limits

• $200/day

External Transfers (Credits to First Security Bank ONLY)

We may allow you to connect external accounts (accounts held at depository institutions other than us) that you own or for which you have unlimited authority to initiate withdrawals.  By connecting an external account, you authorize us to initiate automated clearinghouse debit entries from such external account.  By connecting an external account, you also certify that you are an owner or authorized on the external account with unlimited withdrawal rights on the depository institution’s records, to originate transfers from the account.  You agree to provide us written documentation of your ownership of or unlimited authority regarding such external connected accounts, as applicable, upon our request.  You are required to notify us if any external connected account is closed or your withdrawal rights are limited or removed so such external connected account may be unconnected from the Bank’s Online Banking Services.  You acknowledge that all transactions involving external connected accounts must comply with Applicable Law.  The offsetting entries for any transfer from an external connected account must be made to or from a connected Customer Account.  When initiating a transfer from an external connected account, if you are not an owner of such account, you certify that you have full authority to initiate such transfer and that such transfer has been authorized by any-and-all necessary persons.

Note: The External Transfer option on Online Banking is to be used for Credit’s to your First Security Bank accounts (DDA, Savings, IMMA or Loan) ONLY.  Debiting your account with First Security Bank to credit an external account is not permitted.

Online Statement Services

We may allow you to elect to receive periodic statements for your connected customer accounts electronically through Online Banking Services.  You may make such election by logging into Online Banking, accessing the “View Statements and Notices” feature, and following the instructions provided.

By initiating an electronic request through Online Banking for delivery of Online Statements, you (a) consent to receiving the electronic format of periodic statements and agree that we may stop delivering paper periodic statements by mail for the Customer Accounts indicated in your electronic request, (b) you agree that you are able to view and download Adobe PDF files, and (c) you are required to update and download any software updates or other Required Technology in connection with any upgrade or modification to the PDF file format.

For joint account holders, any consent or withdrawal of consent to receive Online Statements by any one of you will be effective for all of you. By initiating a request to receive Online Statements you also agree to electronically receive any communication normally provided in the periodic statements, including contract change in terms, our Privacy Notice, and other notices that may be required by law.

If you open a new account after the date you elected to consent to receive any Online Statements, we will automatically set that account up for the Online Statements service unless you instruct us otherwise by sending us a secure message through the "Messages" feature of Online Banking Services, or by calling us at the numbers listed in this Agreement.

If you have consented to receive Online Statements, you must access Online Banking to view your Online Statements.  You will receive a notification via email when one of your accounts has a new statement available for viewing.

If you consent to the delivery of Online Statements for an account, the Bank will no longer provide you with periodic paper statements for the account.  You may obtain paper copies of your Online Statements by printing them yourself from the website or by saving a copy to your device and printing it later. You may also request a copy from the Bank by calling us at the phone numbers listed in this Agreement.

You may withdraw your consent to receive Online Statements at any time by changing your Online Statement preferences in Online Banking or by calling us at the numbers listed in this Agreement.

If your email address changes, you must contact us and provide us with your updated e-mail address. You may update your e-mail address online by accessing the "Preferences” link through Online Banking.  You may also update your email address by calling us at the phone numbers listed in this Agreement.

Stop Payment Requests

There is a charge for this service.  Please contact your local branch to determine the current fee amount. You understand that electronically transmitted stop payment orders are not complete until it is verified that the check(s) has/have not been processed and that the stop payment order is valid. The Bank agrees to receive your request to initiate a stop payment order. To be effective, your stop payment order must precisely identify the number, date and amount of the item, and payee. You agree to hold the Bank harmless for all expenses, cost and attorney’s fees incurred by it as a result of refusing payment of said check. You further agree not to hold the Bank liable for payment contrary to this request if payment occurs through accident, inadvertence, or oversight other than through lack of good faith or failure to exercise due care on the Bank’s part. Stop payment orders placed will be effective for six months from the first business date placed. You understand there will be a fee assessed by the Bank in connection with this stop payment, as stated in First Security Bank’s Terms and Conditions for Deposit Accounts.  You further understand that if payment on the item is stopped, the payee or other holder of the item might still be able to recover from you the amount of the item, plus other damages. In the case of a lost checkbook, you will contact the Bank for assistance immediately.

Check Orders

Check Orders are done through an outside vendor (a non-affiliated company).  Fees will vary depending on style and amount you order.  The company will ship the checks directly to your mailing address.

Change of Address Requests

It is your sole responsibility to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, address, phone numbers and email addresses.  You may use Online Banking to change the contact information on your accounts including your e-mail and US Postal addresses. Changes are subject to Bank verification. If the information cannot be verified, you will receive a change of address form by mail. The form must be returned before an address change will be processed.

Secondary Users (Business Customers Only)

Some business customers, at the sole discretion of the Bank, may be allowed to add secondary users to their Online Banking site.  If you request this service, you agree to the following statement:

You (as the primary user for Online Banking) will set up any secondary user(s) on your Online Banking site yourself.  At your sole discretion, you will be responsible for assigning a user name and password, granting rights, and limits of access for the secondary user.  You will accept all liability for actions of the secondary user(s).  If a secondary user needs their rights altered or removed you, as the primary user, are responsible for making these changes. You will hold First Security Bank harmless for any-and-all actions of the secondary user(s).  This includes, but is not limited to, unauthorized transfers, theft, or fraudulent activity. 

Liability

First Security Bank will accept no liability for losses or damages resulting from the failure to transfer funds or stop payments.  In no event shall the Bank be liable for damages in excess of your actual loss due to our failure to complete a transfer or stop payment and we will not be liable for any incidental or consequential damages.  First Security Bank will not be held liable for losses of damages resulting from (but are not limited to) any of the following reasons:

• If through no fault of the Bank, you do not have enough money in your account to make a transfer.
• If you are attempting to draw against deposits of checks, drafts, or other non-cash items that have not yet been collected and you have been notified of the delayed availability of these items.
• If the automated teller machine where you are making the transfer does not have enough cash.
• If the automated teller machine was not working properly and you knew about the breakdown when you started the transfer.
• If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we may have taken.
• If the funds in the account have been offset by the Bank in payment of a delinquent loan, etc. or if the funds have been attached or otherwise proceeded against as a result of a lawsuit that someone has brought against you or against a joint depositor on your account.
• If you have not properly followed the scheduling instructions on how to make a transfer included in this Agreement.
• If we have a reasonable basis for believing that unauthorized use of your Password or account has occurred or may be occurring or if you default under this Agreement, the deposit account agreement, a credit agreement, or any other agreement with us, or if we or you terminate this Agreement.

There may be other exceptions stated in this agreement or in other agreements with First Security Bank.

Equipment

You are solely responsible for the equipment you use to access Online Banking (including, your personal computer, cell phone, and any software you may need to access the Internet). First Security Bank is not responsible for errors or delays or your inability to access Online Banking caused by your equipment. The Bank is not responsible for the cost of upgrading your equipment to stay current with the Online Banking, nor is the Bank responsible, under any circumstances, for any damage to your equipment or the data residing thereon.

You understand and agree that information transmitted and received through the internet is subject to unauthorized interception, diversion, corruption, loss, access, and disclosure.  The Bank shall not be held responsible for any adverse consequences whatsoever of your connection to or use of the Internet, and shall not be responsible for any use by you of an Internet connection in violation of any law, rule or regulation or any violation of the intellectual property rights of another.

Electronic Mail

If you send the Bank an electronic mail message, the Bank will be deemed to have received it on the following business day. The Bank will have a reasonable time to act on your e-mail.
You should not rely on electronic mail if you need to communicate with the Bank immediately. THE BANK WILL NOT ACCEPT NOTIFICATION OF LOST OR STOLEN PASSWORDS, UNAUTHORIZED TRANSFERS, STOP PAYMENT REQUESTS, OR CHANGE OF ADDRESSES VIA E-MAIL.

You agree that the Bank may respond to you by electronic mail regarding any matter related to Online Banking, including responding to any claim of unauthorized electronic funds transfer that you make. Any such electronic mail sent to you by the Bank shall be considered received within three (3) days of the date sent by the Bank, regardless of whether-or-not you sign on to Online Banking within that time frame.

Other Agreements

In addition to this Agreement, you agree to be bound by, and comply with, the requirements of all other agreements applicable to each of your Online Accounts. Your use of the Online Banking service is your acknowledgment that you have received, read, and understand these agreements and intend to be bound by them. These agreements include, but are not limited to; charges that may be imposed for electronic funds transfers and/or stop payments, the right to make transfers and or/stop payments listed in the fee schedules accompanying those disclosures, and the fee schedule which can be found in First Security Bank’s Terms and Conditions for Deposit Accounts.

Modification to this Agreement

First Security Bank may modify the terms and conditions of this Agreement at any time upon mailing or electronically delivering a notice on the modifications to you.  Records and the revised terms and conditions shall be effective at the earliest date allowed by applicable law. The Bank may send any notice to you via electronic mail and you will have deemed to have received it three days after it is sent. We reserve the right to terminate this Agreement and your use of Online Banking in whole or in part at any time without prior notice.

Disclosure of Account Information to Third Parties

The Bank will disclose information to third parties about your account or the transfers you make:

1. Where it is necessary for completing transfers,
2. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant,
3. In order to comply with a government agency or court orders or,
4. If you give us your written permission.

Inactivity and Termination

You are responsible for complying with all the terms of this Agreement and with the terms of the agreement governing the deposit and loan accounts which you access using Online Banking. The Bank reserves the right to terminate your Online Banking privileges under this Agreement at any time without prior notice.

We may convert your account to inactive status if you do not sign onto Online Banking nor have any transactions scheduled through Online Banking during any consecutive 365-day period. If your account is considered inactive, you will be required to reregister in order to activate your Online Banking Site.

To cancel your Online Banking, you must notify the Bank and provide your name, address, and effective date to stop the service. You may notify the Bank as follows:

First Security Bank
P.O. Box 80
Union Star, Mo 64494
(816) 593-2291

First Security Bank
P.O. Box 190
Trimble, MO 64492
(816) 357-2566

Fees

First Security Bank's fees apply to all transactions including Online Banking.  For a list of fees, please contact us at the phone numbers listed in this Agreement.

In Case of Errors on Transfers in Online Banking

If you think your statement or receipt is incorrect, or if you need additional information about a transfer listed on your statement or receipt, notify the Bank immediately.  You must notify the Bank no later than sixty (60) days after the Bank sends the FIRST statement on which the problem or error has appeared.  You will be required to furnish the Bank with the following information:

1. Your name and account number.
2. A description of the error or transfer you are unsure of, and an explanation of why you believe there is an error, or why you need more information.
3. The dollar amount of the suspected error.

If you notify the Bank verbally, we may require that you send the Bank your complaint or question in writing within ten (10) business days.

Contact us at:

First Security Bank
P.O. Box 80
Union Star, Mo 64494
(816) 593-2291

First Security Bank
P.O. Box 190
Trimble, MO 64492
(816) 357-2566

The Bank will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. However, if the Bank needs more time, we may take up to 45 days to investigate your complaint or question. If the Bank decides to do this, we will credit your account within 10 business days for the amount you think is in error so you will have the use of the funds during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing, and we do not receive it within 10 business days, we will not credit your account.

The Bank will tell you the results within three (3) business days after completing its investigation. If we determine no error occurred, the Bank will send you a written explanation. At that time, any funds that were credited to your account will be removed. You may ask for copies of the documents that the Bank used in its investigation.

By using First Security Bank’s Online Banking Services, you are agreeing to all the stipulations listed above.

First Security Bank
Conforming Loan Payment Notice
 

In order for your payment to be considered conforming, payments must be made in US currency. All loan payments must be accompanied with either an account number or a loan payment notice.  Mailed payments may be sent to any First Security Bank location. Please note all First Security Bank locations, hours of operation, addresses, and phone numbers are listed on the bottom of this notice. Loan payments may also be made in person to personnel at any of our branch locations.

Nonconforming payments may take longer to process. Each business day has a cutoff time of 3:00 pm Central Standard time at all locations, Monday through Friday, except bank holidays.

All loan payments made after 3:00 PM CST Monday through Friday will be posted to the account on the next business day or as otherwise permitted by law.

First Security Bank Banking Facilities

Safeguarding Your Information

At First Security Bank, the security of customer information is a priority.  We are strongly committed to the safety and confidentiality of your records.  Every day, unscrupulous individuals are busy developing new scams targeting the unsuspecting public.  One of the best ways to avoid fraud is to become an educated consumer. 

• Watch out for copycat Web sites that deliberately use a name or Web address very similar to, but not the same as the real one.  The intent is to lure you into clicking through to their Web site and giving out your personal information, such as a bank account number, credit card number or Online Banking login information.
• Always use your pre-established links to access Web sites and avoid clicking on links in unsolicited e-mails.  If you ever receive a suspicious e-mail representing itself as First Security Bank, please forward the message in its entirety to banking@firstsecuritybankmo.com.
• Ensure that your own personal computer has updated anti-virus and firewall protections.  Apply security patches for all of your programs and operating systems regularly. 
• Passwords should be unique to you and changed regularly.  Do not use birthdays or other numbers or words that may be easy for others to guess.  Never write down your password or give it to another person.
• Monitor your account activity frequently using our free Online and Mobile Banking services.  
• Set up free Security and Balance Alerts through Online Banking to be notified via phone, e-mail and/or SMS text message when there is login activity or changes in your expected balance.
• Set up a personalized Phishing Phrase for your Online Banking so that you always know when you are on our secure Web site.

Please keep in mind that we will never ask for or email you requesting your online banking password.  We may on occasion call to verify other information regarding your online activity should we see something of concern in your login patterns. If you plan to travel and use your Online Banking or debit card, it is very helpful to call us in advance to avoid your account being temporarily disabled for security purposes.

In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

For personal accounts, limitations on your liability for unauthorized electronic funds transfers and other electronic errors that are covered by Regulation E are explained in the EFT Disclosure Statement in our Consumer Terms and Conditions brochure. However, if you use online services for any business activity, you assume all risk of loss for unauthorized transfers and payments, and you must establish your own internal security procedures for employees you authorize to prevent all unauthorized use by other employees or persons.

We encourage you to review our Security & Privacy link which can be found at the bottom of any page of our www.firstsecuritybankmo.com Web site.  If at any time you have questions regarding security or possible fraud, please contact our customer service representatives at Union Star (816) 593-2291 or Trimble (816) 357-2566 or via e-mail us at banking@firstsecuritybankmo.com.