ONLINE BANKING

Privacy and Security Policy

Privacy Statement

Protecting your privacy is important to all of us here at the Farmers State Bank of Darwin. We want our customers to understand what information we collect and how we use it.

The Farmers State Bank of Darwin collects 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, or others; and
  • Information we receive from a third party, such as a consumer reporting agency.
  • “Nonpublic personal information” is nonpublic information about you that we may obtain in connection with providing a financial product or service to you. This could include information such as account balances, payment history, and overdraft history.

    We do not disclose any nonpublic personal information about you to anyone, except as permitted by law.

    If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.

    We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

    If you have any questions regarding this policy, please contact the Farmers State Bank of Darwin at (320) 693-2826 or (320) 275-3004.


    Security Statement

    Our website brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features a VeriSign-issued Digital ID for the bank's Internet Service Provider hosting our website, Secure Sockets Layer (SSL) protocol for data encryption, and a router and firewall to regulate the inflow and outflow of server traffic.

    Secure Data Transfer

    Once a server session is established on an https secure page, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

    Router and Firewall

    Secure forms must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.

    Using the above technologies, your Internet loan application and secure contact correspondences are secure.