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  Privacy and Security

What are we doing to protect you?

Farmers State Bank Internet Banking system uses state of the art protection to ensure the security of its customers' information.

Secure Access and Verifying User Authenticity
From the time you access Internet Banking your personal information is encrypted using 128-bit encryption to protect the information as it is transferred over the Internet. Once you are enrolled and sign on to use Internet Banking, you must enter a unique user name and password. For your protection Internet Banking will lock you out after 3 bad log in attempts.  Once the system locks you out, you will be required to call us at 605-928-7991,before you can access Internet Banking again.  If you have activated your FORGOTTEN PASSWORD feature, you can unlock your account and change your password yourself.

Secure Data Transfer
Once you have successfully logged into Internet Banking, communication between you and the bank is encrypted. Your bank information is stored on a computer/server that is a 128-bit secure server, data traveling between you and the server is encrypted with Secure Sockets Layer (SSL) protocol. The server is also protected by firewall and intrusion prevention software; both of which are monitored 24 hours a day, 7 days a week.

Time Out Feature
Once you have logged into Internet Banking, the system monitors your session for any activity. After a certain time period of no activity, the system will log you out, requiring you to sign on again. This protects you from any unauthorized use.  If you would like to change this setting to be a longer period of time, you may do so once you log into Internet Banking and choose User Options.

If you have any further questions or concerns about Internet Banking, please contact us at

FDIC Web Site

HUD Web Site