Privacy Policy


Privacy Statement

First State Bank & Trust’s website is designed to keep you informed about the many financial services and benefits available to you as a client. It also provides you tools to effectively and conveniently manage your finances. At times it may be necessary for you to provide us with personal information so that we may better serve you. We recognize and respect your expectation that privacy be protected. To ensure your personal privacy is maintained, First State Bank & Trust has set forth the following policies.

You may visit any section of our website to find out more about the Bank, the products we offer and the events we are supporting without providing any personal information.
Any information collected on First State Bank & Trust websites will be used for the bank's legitimate business purposes only and is subject to our current Privacy Notice.


Privacy Policy

Your privacy is very important to us. First State Bank & Trust realizes that our customers entrust us with personal information, and it is our policy to maintain this information in a confidential manner. The following paragraph/section outlines the commitment to providing the highest level of security and privacy regarding the collection and use of our customers’ personal information provided from your visit to our websites. The Bank collects information when you use one or more of our websites. The type of information we collect depends on how you use our websites. The Bank’s website visitors may elect to provide personally-identifying or confidential information via online log-in. The website may use a "cookie" temporarily stored in your computer memory to facilitate log-in to the secure online banking. Users can control the use of cookies at the individual browser level. Rejecting cookies may limit your ability to use some features or areas of our website.

The mobile banking app may collect personal information from you or your financial institution, such as your first and last name, address, e-mail, User IDs, telephone number, and social security number when you create an account and use . This information could include your address or contacts (e.g. to make P2P (peer to peer) payments using Zelle® or other payments functionality). We will collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history.

For your security, please do NOT send personal or confidential information via email. Personally identifying information is defined as that which can be used to trace an individual's identity, such as their name, social security number, date of birth, etc. Confidential information includes account numbers and passwords. This information is used internally, as appropriate, to handle your request. It is not disseminated or sold to other organizations.

Information submitted is handled in accordance with The Bank’s overall Privacy Policy. For additional information on how we share information, please review our Privacy Policy.

For any questions or concerns contact us by phone at 800-463-7782 or email us at

Children’s Privacy

First State Bank & Trust is committed to protecting the safety and privacy of young people using the Internet. We do not knowingly collect personally identifiable information from children under the age of 13 and believe children should get their parent’s or guardian’s consent before giving out any personal information. To learn more about the Children’s On-Line Protection Policy click here. COPPA

First State Bank & Trust Privacy notice

First State KS Mobile Banking App Privacy Notice

First State KS Mobile Banking (the “App”) helps you manage your money, view your transactions and accounts, making it easy to manage your finances on the go.

The app provides the Services to users on behalf of their financial institution (“Your Financial Institution”) as a service provider. This Privacy Notice, in combination with relevant privacy notices that Your Financial Institution provides to you (e.g., pursuant to financial privacy laws), informs you of the policies and practices regarding the collection, use and disclosure of any personal information that the app collects from or about users in connection with our mobile application (the “Services”). The specific capabilities of the Services available to you vary depending on Your Financial Institution. You can find more information about Your Financial Institution’s privacy policies and your choices at your Financial Institution’s website or by contacting Your Financial Institution.

Depending on the services offered by Your Financial Institution the app may allow you to:
• get real-time balances for your accounts
• manage your money
• view your transactions and statements
• make transfers
• pay your bills and manage billers
• pay other people
• deposit a check
• manage cards
• locate branches and ATMs
• receive alerts


The app may collect personal information from you in the following ways:
(a) Personal Information You or Your Financial Institution Provide to us.
• First State KS Mobile Banking app may collect personal information from you or your financial institution, such as your first and last name, address, e-mail, User IDs, telephone number, and social security number when you open a new financial account or register for other financial services. Device images/videos may be accessed when you deposit a check or use a QR code to make peer to peer payments using Zelle or other payments functionality. Device contacts may be accessed when you to make peer to peer payments using Zelle or other payments functionality. Device location may be accessed to detect and prevent card transaction fraud and also to provide branch and ATM locations.
• The app may collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history.
• If you provide feedback or contact us via email, we will collect your name and email address, as well as any other content included in your email messages in order to send you a reply.
• We also collect other types of personal information that you provide voluntarily, such as any information requested by us if you contact us via email regarding support for the Services.
(b) Personal Information Collected from Third Parties. We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services.
(c) Personal Information Collected Via Technology. We and our service providers may automatically log information about you, your computer or mobile device, and your interaction over time with our Services, our communications and other online services, such as:
• Device data, such as your computer’s or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (e.g., WiFi, LTE, 3G), and general location information such as city, state or geographic area.
• Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access.
• Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns.
• Local storage technologies, like HTML5 that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications.
• Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that an email was accessed or opened, or that certain content was viewed or clicked.
• Location Information. 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 your location information when you use the Services; for example, to provide our fraud detection services. If you do not want the app to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.


(a) General Use. In general, the app uses your personal information to respond to your requests as submitted through the Services, to provide you the Services you request, and to help serve you better. The app uses your personal information in the following ways:
• facilitate the creation of, secure and maintain your account;
• identify you as a legitimate user in our system;
• provide improved administration of the Services;
• provide the Services you request;
• improve the quality of experience when you interact with the Services;
• send you administrative e-mail and/or push notifications, such as security or support and maintenance advisories; and
• send surveys, offers, and other promotional materials related to the Services.
(b) Compliance and protection. We may use your personal information to:
• comply with applicable laws, lawful requests and legal process, such as to respond to subpoenas or requests from government authorities;
• protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims);
• audit our internal processes for compliance with legal and contractual requirements and internal policies;
• enforce the terms and conditions that govern the Service; and
• prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical or illegal activity, including cyberattacks and identity theft.
(d) Creation of Non-Identifiable Data. The app may create de-identified information records from personal information by excluding certain information (such as your name) that makes the information personally identifiable to you. We may use this information in a form that does not personally identify you to analyze request patterns and usage patterns to enhance our products and services. We reserve the right to use and disclose non-identifiable information to third parties in its discretion.


We disclose your personal information as described below.
(a) At the Direction of Your Financial Institution. We may share your information with Your Financial Institution or with third parties at the direction of Your Financial Institution. Other than as described in this Privacy Notice in connection with the Services, this Privacy Notice does not apply to the processing of your information by Your Financial Institution or third parties with whom we share information at Your Financial Institution’s direction.
(b) Third Party Service Providers. We may share your personal information with third party or affiliated service providers that perform services for or on behalf of us, for the purposes described in this Privacy Notice, including: to provide you with the Services; to conduct quality assurance testing; to facilitate the creation of accounts; to optimize the performance of the Services; to provide technical support; and/or to provide other services to the App.
(c) Corporate Restructuring. We may share some or all of your personal information in connection with or during negotiation of any merger, financing, acquisition or dissolution transaction involving the sale, transfer, divestiture, or disclosure of all or a portion of our business or assets. In the event of an insolvency, bankruptcy, or receivership, personal information may also be transferred as a business asset. If our company, business or assets is acquired by another company, that company will possess the personal information collected by us and the company will assume the rights and obligations regarding your personal information as described in this Privacy Notice.
(d) Authorities and Others. Regardless of any choices you make regarding your personal information, the app may disclose your personal information to law enforcement, government authorities, and private parties, for the compliance and protection services described above.


The Services may contain links to third party websites. When you click on a link to any other website or location, you will leave the Services 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, does not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Notice do not apply to these outside websites. We encourage you to read the privacy notice of every website you visit.


You have several choices regarding 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 communications. 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 its policy on responding to these signals.
(b) Access, Update, or Correct Your Information. You can access, update or correct your information by changing preferences in your account. To do so, you should contact Your Financial Institution. For additional requests, please contact Your Financial Institution on whose behalf we are providing the Services to you.
(c) Opting Out of Email or SMS Communications. If you have signed-up to receive our email marketing communications, you can unsubscribe 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" below. 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 Services.


We implement reasonable administrative, technical and physical measures in an effort to safeguard the information in our custody and control against theft, loss and unauthorized access, use, modification and disclosure. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information.
Federal laws and regulations require that US financial institutions retain original, active and historical records. Your personal and financial data will be retained for a period of five to ten years, depending on applicable laws, regulations and legitimate business needs.


The Services are not directed towards individuals under the age of 18, and we do not intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to us and we learn that the personal information is the information of a child under 18, we will attempt to delete the information as soon as possible.


This Privacy Notice is subject to occasional revision. Your Financial Institution may notify you, in their sole discretion, of any material changes in its collection, use, or disclosure of your personal information by posting a notice on the Services. Any material changes to this Privacy Notice will be effective thirty (30) calendar days following notice of the changes on the Services or immediately where no notice is given. These changes will be effective immediately for new users of the Services. If you object to any such changes, you must notify us prior to the effective date of such changes that you wish to deactivate your account. Continued use of the Services following notice of any such changes (or use of the Services after any such changes) shall indicate your acknowledgement of such changes.


If you have any questions or complaints about this Privacy Notice or The App’s data collection or processing practices, or if you want to report any security violations to us, please contact us by email at: or by mail at:
400 S Bury Street
PO Box 219
Tonganoxie, KS 66086

Website Terms of Use Agreement

Please review the following terms and conditions of use before using this website. First State Bank & Trust and its divisions, (“The Bank”), provide access to this website and its products and services subject to the following terms and conditions of use (“Terms”).

This website has been established by The Bank for the sole purpose of conveying information about the Bank’s products and services and to allow communication between The Bank and its account holders. Information that appears on this website should be considered informational. Nothing contained in any page on this website takes the place of The Bank’s agreements and disclosures that govern its products and services. If any information on the website conflicts with that in The Bank’s agreements and disclosures, the agreements and disclosures will control.
The Bank maintains this website to provide you with information about our products and services. For your convenience, we may also provide links to various third parties websites that may be of interest to you. The Bank does not control linked third party websites. When you click on links to third party websites, you will leave our website and will be redirected to another website. Linking to other third party websites is at your own risk, we make no representation or warranty regarding the accuracy of the information contained in linked third party websites. The content on linked sites may change without notice.

We suggest that you always verify the information obtained from linked websites before acting upon this information. The Bank is not an agent for linked third parties nor do we endorse or guarantee their products and services. The products and services offered by linked third parties are not products of The Bank and are not insured by any governmental agency.
The Bank makes no warranties of any kind regarding the products and services advertised on this website. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, The Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the website without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this website. This limitation includes, but is not limited to, the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if The Bank has been informed of the possibility of such loss or damage.

By accessing this website, you are acknowledging that you have the capacity to enter into these Terms of Use and are agreeing to be bound by these Terms of Use, and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this website. The materials contained in this website are protected by applicable copyright and trademark law.

To the maximum extent permitted by applicable law, you agree to release, indemnify, defend and hold harmless The Bank from and against all damages, claims, liabilities and expenses (including attorneys’ fees) brought by any person arising from or relating to your access and use of the site, including, without limitation, any claims alleging facts that if true would constitute a breach by user of these terms and conditions.

In the event any of the terms or provisions of these Terms of Use shall be held unenforceable, the remaining terms and provisions shall be unimpaired and the unenforceable term or provisions shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or provision. These Terms of Use and the use of this website shall be governed by the laws of the State of Kansas.

This agreement may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time.
For any questions or concerns contact us by phone at 800-463-7782 or email us at
Web Accessibility Policy

At First State Bank & Trust, we are committed to providing a website that is accessible to all our site visitors. We are actively working to increase the accessibility and usability of our site, and in doing so, we voluntarily make every attempt to adhere to the standards and guidelines presented in World Wide Web Consortium Web Content Accessibility Guidelines (WCAG) 2.0. If you find a part of the site that you feel does not conform to Level A or Level AA of the WCAG or you would like additional reasonable accommodations, please use one of the methods below to let us know so that we can rectify it. Contact us by phone at 800-463-7782 or email us at


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