Privacy Policy


First Trust & Savings Bank is committed to providing the highest level of security and privacy regarding the collection and use of our customers’ personal information. Keeping your financial information secure is one of our most important responsibilities. We value your trust and handle your personal information with the greatest of care. Our employees access information about you only when needed to maintain your accounts or when considering a request from you for additional services. We maintain standards and procedures designed to prevent misuse of this information.

Security Procedures to Protect Information

First Trust & Savings Bank safeguards information according to established security standards and procedures to help prevent unauthorized access to confidential information about you. Our technology is periodically updated and tested to continue to provide you with the highest level of protection we possibly can for your privacy and to assure the integrity of your information.

Online banking transactions transmitted between you and our online banking vendor use a 128-bit secure server by VeriSign encrypted with Secure Sockets Layer (SSL) protocol and a router loaded with a firewall to regulate the inflow and outflow of server traffic. Using this high level of technology, your online banking transactions are secure. Applications for accounts or services and online banking enrollment are not completed online.

Collection and Use of Personal Information

In the ordinary course of business, we collect, retain and use information about you to serve your financial needs, to administer your account(s) with us and to keep you informed of products and services that may be of interest to you. This information known as nonpublic personal information is collected from several sources and includes: information we receive from you on applications or other forms (e.g., name, address, and social security number); information about your transactions with us or others (e.g., information about your account balance, payment history, and parties to transactions); and information we receive from consumer reporting agencies (e.g., credit report)

Information We Disclose About You

We do NOT disclose any information about you to anyone, except as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions. We do not reveal specific information about our customers accounts or other personally identifiable data to parties outside our affiliated companies unless 1) our customer has requested or authorized it; 2) the information is provided to complete a transaction initiated by the customer; 3) the information is provided to a reputable credit bureau or similar information reporting agency; or 4) disclosure is lawfully permitted or required. We do NOT provide account or personal information to non-affiliated companies for the purpose of independent telemarketing or direct mail marketing.

Information About Former Customers

We do not disclose information about former customers, except as permitted by law.

Limited Employee Access to Personal Information

First Trust & Savings Bank limits access to your personal information to only those employees with a business reason for knowing such information in providing products or services to you. All employees are educated on the importance of confidentiality and customer privacy.

Maintaining Accurate Information

We have implemented procedures to help assure that our customer’s financial information is accurate, current and complete in accordance with commercially reasonable standards. Customers should notify us immediately if they receive what they believe to be inaccurate information regarding their First Trust & Savings Bank accounts at the following numbers: Aurelia Branch 712-434-2291 or 877-342-8316; Cleghorn Branch 712 436-2222 or 800-264-0891; or Marcus Branch 712-376-5511 or 877-342-8315.

Cookie Technology

Many commercial websites use a technology called "cookies" to provide you with tailored information from their website. First Trust & Savings Bank’s website does not use ‘cookie’ technology. We make no attempts to identify individual users unless illegal behavior is suspected.

Our Interenet Web Site

Visitors to the First Trust & Savings Bank web site remain anonymous. We do not collect personal 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: the name and the internet service provider from which you accessed the internet (for example,, if you are connecting from America Online), the date and time you accessed our site and the internet address of the web site from which you linked directly to our site. Visitors may elect to provide us with personal information via email. This information is used internally, as appropriate, to handle the sender’s request and manage the First Trust & Savings Bank web site. 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 feel comfortable with this level of privacy, please cancel the email before it is sent. Visitors should call us directly at: Aurelia Branch 712-434-2291 or 877-342-8316; Cleghorn Branch 712 436-2222 or 800-264-0891; or Marcus Branch 712-376-5511 or 877-342-8315 if requests include sensitive or private information, such as your account numbers, card numbers and/or Password/PIN number for your First Trust & Savings Bank ATM card. We are committed to protecting your privacy. First Trust & Savings Bank will NEVER ask you for your Personal Identification Number (PIN) for your ATM card. If you are asked for this information, please call the branch telephone numbers listed above and report it to a customer service representative immediately. Our intent throughout our online presence is to collect only the information we need to deliver excellent service, use that information responsibly and keep you fully informed of how that information is being used.

Protecting Children

First Trust & Savings Bank does not knowingly solicit data from children, and we do not knowingly conduct online marketing to children. We recognize that protecting children’s identities and privacy is important and the responsibility to do so rests with both the online industry and with parents.

If you believe First Trust & Savings Bank has misused information obtained through our relationship with you or through our web site, or if you have any questions or concerns regarding this privacy procedure, please contact us to resolve the dispute at the following numbers:

Aurelia Branch 712-434-2291 or 877-342-8316
Cleghorn Branch 712 436-2222 or 800-264-0891
Marcus Branch 712-376-5511 or 877-342-8315