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Security Resources


Online Security

Online Banking

We make banking easy and convenient for you with online banking tools that include industry standard security features. Your online banking experience may include a new Multi-factor Authentication, or MFA.

  • To ensure security, experts recommend that you never reveal your password.
  • Some browsers allow you to enable a function to require passwords for specific sites or certifications. In that instance, you should enter the password for the browser.
  • Passwords are case sensitive. Mixing uppercase and lowercase letters is permitted.
  • You can change your Online Banking password under My Profile/User Options at any time. It is recommended that you change your password every six months.

We do not have access to your password. If you forget your password and/or challenge questions, contact our customer service team at (641) 713-4501 to request your password reset for Online Banking.

OLB Agreement

eStatement Agreement

Privacy Notice

Mobile Banking

St. Ansgar State Bank’s built-in security features ensure your account information is protected. These security features include authentication checks via strong passwords before access to account information is granted. Personal or financial information is retrieved only when requested and is not stored on your phone, so your information is not at risk if your phone is ever lost or stolen.

St. Ansgar State Bank will NEVER contact you by telephone, send you an email or text message, or written communication on an unsolicited basis requesting that you validate or provide your online banking credentials including your Access ID, password, social security number, account number, or date of birth. If you receive any type of unsolicited requests supposedly from St. Ansgar State Bank asking for your personal information, or if you suspect you have become a victim of identity theft or fraud, please contact us immediately at (641) 713-4501.

Privacy Notice

Business Online Banking Customers

St. Ansgar State Bank has implemented a high level of online banking security controls however it is also important for our business customers to implement and observe their own to ensure that your business online banking is conducted with the highest level of security to protect your business from account takeover and malicious, fraudulent activity against your accounts.

Commercial Online Banking customers should perform their own risk assessments related to online security and evaluate internal administrative, technical, and physical security controls.

The following are suggested controls and business practices:

  • Maintain a current browser
  • Avoid downloading programs from unknown sources
  • Select unique and complex passwords
  • Avoid writing down login credentials
  • Maintain currently-supported Operating Systems on computing devices
  • Install current Operating System and software application security patches
  • Keep anti-virus and spyware protection up-to-date
  • Install a firewall and intrusion prevention system
  • Use a trusted, secure computing device for Internet banking – avoid public computers
  • Avoid public WiFi usage, especially when performing banking functions
  • Be aware and cautious of suspicious and unsolicited emails
  • Contact the Bank immediately upon suspected fraudulent activity
  • Never provide account login information over the phone or via email
  • Daily review of transaction history and account balancing
  • Setup the transaction alert notifications
  • Implement dual control for high-risk transactions
  • Remove terminated staff from system access including Cash Management
  • Ensure frequent security training for all employees

Stop. Think. Connect.

Fraud Prevention

Below are a few reminders that can help safeguard your personal information. If you receive any suspicious contact similar to those described below and it is representing itself from St. Ansgar State Bank, please contact us immediately by calling (641) 713-4501.

  • Phishing emails – Phishing, or emails with fake links designed to obtain personal information often ramp up during holidays and year end activities. Popular ones include the personalized letter from Santa to your child, solicitations from unknown third parties that offer gift cards and/or discounts in exchange for taking a survey, fake delivery confirmations from FedEx or Amazon, and fake renewal requests for things like insurance coverage. If you receive an email asking you to ‘update’, validate’ or ‘confirm’ your account, verify the request is legitimate before you respond. You can stay current on scams by visiting the FTC’s scam site:
  • Smishing -- Banks across the country are now reporting their customers are receiving unsolicited text messages. It's an attempt at Smishing, the latest form of phishing. In Smishing, an email tries to lure a recipient into giving personal information via SMS, the communications protocol used to send text messages to a wireless device. The recent scam is targeting bank customers and credit union members. In smishing, the customers receive a text message via cell phone warning that their bank account has been closed due to suspicious activity. It then tells them they need to call a certain phone number to reactivate the account. Unsuspecting callers who dial the number provided in the text message will be taken to an automated voice mail box that prompts them to key in their credit card or debit card number, expiration date, and PIN to verify their information. If you receive a text similar to those described above and it is representing itself from St. Ansgar State Bank, please contact us immediately by calling (641) 713-4501.
  • Phone Scams – Phone scammers also step up their efforts accordingly. Fake calls may use telephone numbers that are close to your number, or worse yet, they may falsify the caller id display to disguise their identity. Never provide personal information over the phone in any call that you did not initiate. More information about Caller ID is available here:
  • Fake Websites – Online-shopping bargains may look ‘too good to be true’ for a reason. Scammers create slick websites offering merchandise at cut-rate prices without any intention of delivering – or worse, as a front to steal and misuse your account information. Before you click a website link, verify the company is legitimate and confirm the link is not directing you to a spoof or fake copy of the company’s website. Best practice is to not use external links; enter the company’s correct URL in your browser. Look for "https" in the header – the "s" reflects a secure web page.
  • Mobile Use – Ordering on your phone may be easy….but if you are using a public, unsecured wireless connection, you are increasing the risk that your personal information may be intercepted and stolen. When using a smartphone, it is more difficult to verify that you are connecting to a company’s legitimate website; and also more tempting to use convenient links that could be directing you to spoof or fake websites. Per the above suggestions, type the companies legitimate URL in your browser. If you are connecting through retailer apps, verify that the app is valid. Watch out for those fake texts we all seem to get, too!


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