ST. ANSGAR STATE BANK Customers are Smart!!

Our customers are careful who they give their personal information to, such as social security number and bank account number(s). They are not taken by email (phishing), voice (vishing), or text message (mishing) scams asking for personal or financial information.

Our customers collect their mail as soon as it is delivered and examine all financial statements carefully, remembering to shred or destroy documents and paperwork containing personal information before discarding.

Our customers are leery of the word “FREE”. Any time an internet order asks for a debit/credit card number, you could get a hidden charge or recurring fees charged to your debit card (it is in the fine print one may not read).

Our customers are smart and click out of pop-ups. If it sounds too good to be true, it usually is.



…give out your bank account information over the phone or internet.

Keep in mind, if you call us, St. Ansgar State Bank may ask you security questions to verify your identity.



use your debit card for online or recurring purchases.

Banks cannot negotiate stop payments or returns on debit card transactions.


…Download our mobile apps:

  • St. Ansgar State Bank’s mobile app gives you instant access to all your transactions in real time.
  • Debit card customers: use Shazam Bolt$ app to verify transactions. It is the fastest way to detect unauthorized transactions via your smart phone.

Keep a Clean Machine.

Keep security software current: Having the latest security software, web browser, and operating system

are the best defenses against viruses, malware, and other online threats.

Automate software updates: Many software programs will automatically connect and update to defend

against known risks. Turn on automatic updates if that’s an available option.

Protect all devices that connect to the Internet: Along with computers, smart phones, gaming systems,

and other web‐enabled devices also need protection from viruses and malware.

Plug & scan: USBs and other external devices can be infected by viruses and malware. Use your security

software to scan them.

Protect Your Personal Information.

Secure your accounts: Ask for protection beyond passwords. Many account providers now offer

additional ways for you verify who you are before you conduct business on that site.

Make passwords long and strong: Combine capital and lowercase letters with numbers and symbols to

create a more secure password.

Unique account, unique password: Separate passwords for every account helps to thwart cybercriminals.

Write it down and keep it safe: Everyone can forget a password. Keep a list that’s stored in a safe, secure

place away from your computer.

Own your online presence: Set the privacy and security settings on websites to your comfort level for

Information sharing. It’s ok to limit how and with whom you share information.

Connect with Care.

When in doubt, throw it out: Links in email, tweets, posts, and online advertising are often the way

cybercriminals compromise your computer. If it looks suspicious, even if you know the source, it’s best to

delete or if appropriate, mark as junk email.

Get savvy about WiFi hotspots: Limit the type of business you conduct and adjust the security settings

on your device to limit who can access your machine.

Protect your $$: When banking and shopping, check to be sure the sites are security enabled. Look for web

addresses with “https://,” which means the site takes extra measures to help secure your information.

“http://” is not secure.

Be Web Wise.

Stay current. Keep pace with new ways to stay safe online. Check trusted websites for the latest

information, and share with friends, family, and colleagues and encourage them to be web wise.

Think before you act: Be wary of communications that implore you to act immediately, offer something

that sounds too good to be true, or ask for personal information.

Back it up: Protect your valuable work, music, photos, and other digital information by making an

electronic copy and storing it safely.

Be a Good Online Citizen.

Safer for me more secure for all: What you do online has the potential to affect everyone – at home, at

work and around the world. Practicing good online habits benefits the global digital community.

Post only about others as you have them post about you.

Help the authorities fight cybercrime: Report stolen finances, identities and cybercrime to (Internet Crime Complaint Center) and

(The FTC).

Visit for more information.