Disclosures, Agreements, & Policies

We keep things simple at Fowler State Bank. As such, we want to ensure our customers have all the information they need at their finger tips. You can find all our account policies and disclosures below.

Combined Disclosure

This combines our basic disclosures into one, including the Funds Availability, Electronic Funds Transfer, and Substitute Check Policies

Online Access Agreement

This contains the comprehensive agreement regarding access through our digital properties, including our secure Internet Branch and FSB Mobile

Privacy Policy

This policy outlines all the ways we keep your information private and out of the hands of sales or marketing agencies

Deposit Account Agreement

The agreement with our customers governing deposit accounts

Community Reinvestment Act

Notice regarding the bank’s involvement in the Community Reinvestment Act

Funds Availability Disclosure

This agreement details when funds shall be made available based on different criteria

Truth-in-Savings Disclosure

A complete guide to our deposit accounts and their various terms

Electronic Funds Transfer Disclosure

This disclosure contains the information pertaining to any electronic funds transfer conducted through your FSB accounts

Instant Cash & Check Card Disclosure

This disclosure contains the agreement and information on electronic funds transfer & funds availability with respect to the Instant Cash Card & MasterCard Check Card

E-Sign Disclosure

The disclosure governing electronic signatures and authorizations

Commercial Account Notification

Notification regarding Fowler State Bank’s compliance with the Unlawful Internet Gambling Enforcement Act of 2006

Digital Banking Data

Fowler State Bank digital banking is powered by Malauzai by Finastra. What data is retained by Finastra once the user is removed in digital banking?

Finastra archives user data deleted from the system to facilitate account recovery. The archived user data includes information that links the user to their bank or credit union account(s) and their personalized settings. Archived user data cannot be used by Finastra to access financial accounts or other protected information. Finastra retains this archived data indefinitely for the duration of our business relationship, after which time it is permanently deleted.

If you would like to request your data be permanently deleted from the digital banking platform, please contact us via the Secure Messaging platform in the mobile app or secure online banking site.

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.