Security To Protect You

To protect the privacy and security of your personal information...

We use the COMODO Digital SSL Certificate to protect our site.

When you enroll in Online Banking, you will select an image called a PassMark™ and a Phrase known only to you. The Image and Phrase will appear every time you log-in, so you can rest assured that you are accessing the Stearns Bank website, not a fraudulent look-a-like site. This feature also helps us to identify you and prevent unauthorized access to your accounts.

Another method used to identify you is to verify the computer(s) that you use to access our website. Our website will remember your computer(s), (e.g. work and home computer), preventing potential fraudsters from logging into your account -- even if they acquire or guess your username and password. Should you need to log-in from a different computer, (e.g Internet café), we will take additional steps to verify your identity, through a series of Challenge Questions you set-up at the time of enrollment.

Above all, this security feature provides a significant increase in your online banking security.

Please keep in mind your UserID and Password are CASE Sensitive

 

Privacy For Your Peace Of Mind

Stearns Bank N.A. has always respected your privacy and will continue to do so. We collect, use, and retain nonpublic personal information about our customers when we reasonably believe that it will help administer our business or to provide products, services, and other opportunities.

Nonpublic personal information is personally identifiable financial information that we obtain in connection with providing a financial product or service. For example, nonpublic personal financial information includes information regarding account balance, payment history, and overdraft history. We collect nonpublic personal information (examples listed) from the following sources:

  • Information from application or other loan and acount forms, such as: name, address, SS#, assets, income
  • Information about account transactions such as: account balance, payment histories, parties to transactions, credit card usage   
  • Information received from a consumer credit reporting agency, such as: credit & payment history  

We may disclose nonpublic personal information about customers and former customers (examples listed above) to nonaffiliated third parties that perform services on our behalf or to other financial institutions with which we have a joint marketing agreement.

We are permitted or required under law to share specific information about accounts or other personally identifiable data to either affiliates (companies related to us by common control or ownership) or non-affiliated third parties. Information shared with affiliates is limited to our experience or transactions with you.

Safeguarding the Security of Customer Info. We maintain physical, electronic, and procedural information safeguards that comply with federal standards to guard nonpublic personal information. We train our staff thoroughly to know that all information is confidential. We restrict access to nonpublic personal information to those employees who need to know such information to provide products or services to you.