A Tradition of Community Banking
First State Bank of St. Joseph
St. Joseph     St. Stephen     St. Cloud

Member FDIC
First State Bank
of St. Joseph
is participating in the
FDIC's Transaction Account
Guarantee program. Under
that program, through
June 30, 2010, all
non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general
$250,000
 deposit insurance rules.

After June 30, 2010, funds
held in noninterest-bearing
transaction accounts at the
First State Bank
will no longer be guaranteed
in full under the
Transaction Account
Guarantee Program, but
will be insured up to
$250,000 under the FDIC's
general deposit rules.

Our Privacy Commitment to You

Privacy is important to the American way of life. When you provide us with your personal information to process your transaction, we fully intend to use your data for its intended purpose and keep your personal information confidential.

We value and appreciate your business and hope you will continue to be our customer for many years to come. If you ever have questions regarding the safety of your personal account information - or any other concerns - please do not hesitate to telephone or come in to talk with us.

This Privacy Disclosure is being provided to you in order to comply with Gramm-Leach-Bliley Act governing the privacy of your personal financial information.

Definitions

We, our, and us, means First State Bank of St. Joseph.

When we use the words "you" and/or "your" we mean the following... an individual who has established a continuing relationship with the First State Bank of St. Joseph.

"Nonpublic Personal Information" is personally identifiable information relating to our customer, except when there is a reasonable belief that the information is publicly available.

Confidentiality and Security of Nonpublic Personal Information

We restrict access to and do not disclose nonpublic personal information about you to anyone unless permitted by law.  Your personal information will only be accessed by employees who need to know your information to provide a product or service to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Nonpublic Personal Information We Collect

We collect nonpublic personal information about you from the following sources:

    Information we receive from you on applications or other forms
    Information about your transactions with us, our affiliates, or others
    Information we receive from a consumer reporting agency

Nonpublic Personal Information We Disclose

We do not disclose nor do we reserve the right to disclose, any nonpublic personal information about our customers or former customer to anyone, except to other nonaffiliated third parties as permitted by law, or if you have given us authorized permission for the release of your personal data.

Notify Us of Inaccurate Information We Report To Consumer Reporting Agencies. Please notify us if we report any inaccurate information about your account(s) to a consumer reporting agency. Your written notice describing the specific inaccuracy(ies) should be sent to us at the following address: First State Bank of St. Joseph  400 4th Avenue NE  PO Box 159  St. Joseph, MN  56374

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FRAUD ALERT PHISHING NOTICE:
The First State Bank of St. Joseph will never send you an email asking to verify, update or confirm your bank account information.
If you receive an email asking for this please contact us immediately.  

Send mail to janel@fsbstjoseph.com with questions or comments about this web site.
Copyright © 2003, 2004, 2005, 2006, 2007, 2008, 2009, 2010 First State Bank of St. Joseph
Date last updated: 07/28/2010