Your privacy is important to FSB! Here's how the bank protects your personal information and your online transactions.
How Is Your Privacy Protected Online?
FSB's Digital Banking Products offer the latest industry-approved security technologies to protect customers' data. These include a password-controlled system entry, a Server Digital ID issued by a trusted Certificate Authority, the Secure Sockets Layer (SSL) protocol for data encryption, and a firewall to regulate inbound and outbound traffic. Additionally, FSB's systems require access via a browser that supports industry-standard encryption, and sessions are automatically logged off after a period of inactivity. FSB's Online Banking site utilizes multi-factor authentication to recognize your computer system and your password.
Visitors to the Farmers State Bank website remain anonymous. When you visit the site, FSB receives certain standard information that your browser sends to every website you visit, such as your IP address, browser type and language, access times, and referring website addresses. This data does not identify you uniquely.
However, it assists in "authenticating" who you are when you access the site. The bank may also receive additional information about your visit to the site, including the pages you view, the links you click, and other actions you take in connection with the site and the products and services offered through it. This data is used to make the site design more efficient.
If you submit an online application, it will be transmitted over a secure connection, and you will be alerted. This is the case where confidential information, such as your account number or social security number, is requested. Visitors may elect to provide the bank with personal information via email or the feedback form. This information is used internally, as appropriate, to handle the sender's request and manage the Farmers State Bank website.
It is not disseminated or sold to other organizations. Visitors should, however, keep in mind that email is not necessarily secure against interception. If you do not agree with the use of this information or are not comfortable with the level of privacy, please close your Internet browser or cancel an email before it is sent.
Visitors should call FSB directly at (319) 377-4891 if requests or statements include sensitive or private information, such as account numbers, credit card numbers, or social security numbers. Farmers State Bank will never ask you for your Personal Identification Number (PIN) for your Farmers State Bank Visa® Debit Card/ATM card unless you have contacted the bank to change it.
FSB's Privacy Policy
Reviewed April 15th, 2025
Download FSB's Privacy Policy (PDF, 456.7 kB)
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
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Social Security number and account balances
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Payment history and transaction history
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Credit history and income
When you are no longer our customer, we continue to share your information as described in this notice.
How?
All financial companies need to share nonpublic personal information to run their everyday business. In the section below, we list the reasons financial companies can share their nonpublic personal information; the reasons Farmers State Bank chooses to share; and whether you can limit this sharing.
| Reasons We Can Share Your Personal Information | Does Farmers State Bank Share? | Can You Limit This Sharing? |
|---|---|---|
| For our everyday business purposes—such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes—to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates’ everyday business purposes—information about your transactions and experiences | No | We don’t share |
| For our affiliates’ everyday business purposes—information about your creditworthiness | No | We don’t share |
| For nonaffiliates to market to you | No | We don’t share |
Who We Are
| Who is providing this notice? | Farmers State Bank, 1240 8th Avenue, Marion, IA 52302 |
What We Do
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How does Farmers State Bank protect my personal information? |
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. |
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How does Farmers State Bank collect my personal information? |
We collect your personal information, for example, when you:
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Why can’t I limit all sharing? |
Federal law gives you the right to limit only:
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Definitions
| Affiliates |
Companies related by common ownership or control. They can be financial and nonfinancial companies.
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| Nonaffiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
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| Joint Marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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Mobile and Online Banking Privacy Agreement
This section outlines additional privacy details specific to your use of FSB’s Online and Mobile Banking tools.
Privacy and User Information
In addition to the privacy policy above, you acknowledge that in connection with your use of Online and Mobile Banking, Farmers State Bank and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files, data about your usage of the service (such as session length, number of transactions, and geolocation), and other data and information provided by you or from other sources in connection with Mobile Banking or the Software (collectively “User Information”).
Farmers State Bank and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use. However, we reserve the right to use and disclose this information as reasonably necessary to deliver Mobile Banking, perform analytics to improve the service, and as otherwise permitted by law. This includes compliance with court orders or lawful instructions from a government agency, protecting the personal safety of subscribers or the public, defending claims, and other uses authorized by you.
Farmers State Bank and its affiliates and service providers reserve the right to monitor the use of Mobile Banking and the Software for purposes of verifying compliance with applicable laws, these terms and conditions, and any applicable licenses. However, they disclaim any obligation to monitor, filter, or edit any content.
Additional Features and Services
Farmers State Bank Online and Mobile Banking software allows for some limited interaction with additional services, some of which may include third-party services. By agreeing to use these services, you are subsequently agreeing to the terms and conditions of those services.
These services may include location services, biometric identification, NFC communication, card controls, and other services not listed here.
Use of Google Maps
You agree to abide by the Google Terms of Use and Google Legal Notices, or any updated URLs provided by Google.
How Is Your Privacy Protected Using Digital Banking?
The FSB Online and Mobile Banking system, along with the CheckFree bill payment system, combines to offer the latest industry-approved security technologies to protect our customers’ data.
This includes a password-controlled system entry, a VeriSign-issued Digital ID for the server, a Secure Sockets Layer (SSL) protocol for data encryption, and a firewall to regulate the inbound and outbound traffic. Additionally, our system requires access via a browser that supports 128-bit encryption, and all sessions are automatically logged off after a period of inactivity or navigation away from the secured portal.
Visitors to the Farmers State Bank website remain anonymous. We don’t collect personally identifying information about site users unless you choose to provide such information.
Standard software is used to collect and store only the following non-identifying information about our visitors: domain level name, the date and time you access our site, and the website’s Internet address from which you linked directly to our site.
If you submit an online application, it will be transmitted over a secure connection, and you will be alerted to this fact when confidential information—such as your account number or social security number—is requested.
Visitors may also provide us with personal information via email or our feedback form. This information is used internally, as appropriate, to handle the sender’s request and manage the Farmers State Bank website. All information provided to the bank by customers and applicants will be used in accordance with our privacy policy and other applicable regulations.
Visitors should keep in mind that email is not necessarily secure against interception. If you do not agree with the use of this information or are not comfortable with the level of privacy, please use the clear button in online forms or cancel an email before it is sent.
Visitors should call FSB at (319) 377-4891 if their requests or statements include sensitive or private information, such as account numbers, credit card numbers, or social security numbers.
Farmers State Bank may contact customers, as allowed by our privacy policy, directly or through a third party directed by us, to collect feedback and other information about our products, services, and user experience.
Privacy and User Information – Data Analytics
You acknowledge that in connection with your use of Online and Mobile Banking, Farmers State Bank and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive data about your usage of the service (such as session length, number of transactions, and geolocation), and other data and information provided by you or from other sources in connection with Mobile Banking or the Software.
Location information accessed and collected is dependent on the permissions granted to the application or software by you. This information may be required to operate the application or software as part of the security measures in place by the provider.
Farmers State Bank and its affiliates and service providers will maintain reasonable safeguards to protect this information from unauthorized disclosure or use. However, they reserve the right to use and disclose this information as reasonably necessary to deliver Mobile Banking, perform analytics to improve the service, and as otherwise permitted by law. This includes compliance with court orders, lawful instructions from a government agency, protection of subscriber or public safety, defense of legal claims, and other uses authorized by you.
Farmers State Bank may use information about your account to communicate through the Online Banking and/or Mobile Banking app to provide information about additional products and services, as allowed by the Privacy Policy.
These communications may collect additional information for follow-up contact by the bank. The current version of the privacy policy is available in the app, on the website, or via printed copies available upon request.
Privacy Policy for Apple & Google
This section outlines how FSB handles your data when using our mobile app through Apple or Google.
Location Services
If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect location data when you use the Services even when the app is closed or not in use; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.
Links to Other Sites
The App may contain links to third-party websites. When you click on a link to any other website or location, you will leave the App and go to another site, and another entity may collect personal and/or anonymous information from you. The App’s provision of a link to any other website or location is for your convenience and does not signify our endorsement of such other website or location or its contents.
We have no control over, do not review, and cannot be responsible for the content of these outside websites. Please note that the terms of this Privacy Policy do not apply to external websites. We encourage you to read the privacy policy of every website you visit.
Your Choices Regarding Your Information
You have several choices regarding the use of information on the Services.
a) How We Respond to Do Not Track Signals. Some web browsers transmit “do not track” signals to the websites and other online services with which your web browser communicates. There is currently no standard that governs what, if anything, websites should do when they receive these signals. We currently do not take action in response to these signals. If and when a standard is established, we may revise our policy on responding to these signals.
b) Access, Update, or Correct Your Information. You can access, update, or correct your information by changing your account preferences. For any additional requests, please do not hesitate to contact us.
c) Opting Out of Email or SMS Communications. If you have signed up to receive our email marketing communications, you can unsubscribe at any time by clicking the "unsubscribe" link included at the bottom of the email or other electronic communication. Alternatively, you can opt out of receiving marketing communications by contacting us at the contact information under "Contact Us". If you provide your phone number through the Services, we may send you notifications by SMS, such as provide a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through the Services.
d) Opting Out of Location Tracking. If you initially consented to the collection of geo-location information through the Services, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of the App.
California Consumer Privacy Act Addendum
Farmers State Bank—Reviewed 05/2025
You have the right to control whether we share some of your personal information. Please read the following information carefully before you make your choices below.
You have provided us with an address listing California as your residence. We are required by the California Financial Information Privacy Act to provide this notice to you annually. We will provide a notification link or an updated notice when applicable to inform you of your privacy rights under federal law.
Your Rights
You have the right to request that we:
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Be provided with notice prior to or at the point of collection
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Disclose what information we will be/have collected about you
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Disclose what we do with that information
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Request to delete your personal information
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Request that we do not sell your personal information
To exercise these rights you must notify us in writing of your request. We will honor these requests to the extent required by law while maintaining information that is required to complete transactions, also as required by law, to be maintained, and as allowed under the Federal Regulation. This also includes the communication of products and services offered by us.
If any of these items are in conflict the bank will use the federal guidelines and the guidelines in the state of the bank’s operation.
All requests can be sent to fsb@fsbmail.net through the secured form submission on the bank's website or submitted in writing to:
Attn: Customer Service
1240 8th Ave, Marion, IA, 52302.
