Privacy Policy
Security Policy

PRIVACY POLICY

Home State Bank recognizes the customers right to privacy. You have the right to expect your personal financial information will remain private and secure. Home State Bank maintains standards, and expects all employees of Home State Bank to adhere to these privacy standards, to ensure that your information is private and secure at all times.

PROTECTION OF INFORMATION: Employee access to your personally identifiable customer information is limited to those with a business reason to know such information. Our employees are educated on the importance of maintaining confidentiality and customer privacy. Because of the importance of these issues, all Home State Bank employees are responsible for maintaining the confidentiality of customer information. Employees who violate these Privacy Principles will be subject to disciplinary measures.

Home State Bank is committed to the security of the customer’s financial and personal information. The bank’s operational and data processing systems are in a secure environment that protects customer account information from being accessed by third parties. Access to customer information is granted only in accordance with the bank internal security standards.

Home State Bank recognizes our customers concern in how we handle privacy issues with third parties engaged in a business relationship with us. If personably identifiable customer information is provided to a third party, we will require the third party to adhere to similar privacy principles that provide for keeping such information confidential.

Home State Bank values all of our customer relationships. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. If you have any questions about how Home State Bank protects your confidential information, please contact us at one of our four locations.

Notify us of inaccurate information we report to consumer reporting agencies.
Please notify us if we report any inaccurate information about your account(s) to a consumer reporting agency. Your written notice describing the specific inaccuracy(ies) should be sent to us at the following addres:
Home State Bank
1610 Hwy 12 East
Willmar, MN 56201

Protecting Your Children
Our website is not targeted or marketed to children under the age of thirteen. We respect the privacy of your children, and we comply with the practices established under the Children's Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen.

We collect nonpublic personal information about you from the following sources:
Information we receive from you on applications or other forms.
Information about your transactions with us and our employees,
or affiliates.
Information we receive from a consumer reporting agency.

Home State Bank collects, retains, and uses confidential customer information only when it is reasonably believed that the information will help administer the bank’s business or provide products, services, and other opportunities to the customer.

Customer information is used to:
Protect and administer customer records, accounts, and funds.
To comply with certain laws and regulations.
To help the bank design or improve our products and services.
To understand the customers financial needs in order to provide you quality products and services.

Home State Bank may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements.

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

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SECURITY POLICY

Our Security Procedures
We also take steps to safeguard customer information. We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. Employees who violate these standards will be subject to disciplinary measures. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Maintaining Accurate Information
We continually strive to maintain complete and accurate information about you and your accounts. If you ever believe that our records contain inaccurate or incomplete information about you, please let us know immediately. We will correct any inaccuracies as quickly as possible.

Consumer Reporting Agencies
If you believe we have reported inaccurate information about your account to any consumer reporting agency, please let us know in writing. Be sure to include your complete name, current address, social security number, telephone number, account number, type of account, specific item of dispute and the reason you believe the information is wrong. We will investigate your concern and correct any inaccuracies we find. We will confirm any actions we take with you.

Internet Privacy

Browsing our Site
When you visit our website to view any pages, read product information, or use our online calculators and tools, you do so without telling us who you are and without revealing any personal information. While we do not collect identifying information about visitors to our site, we do use standard software to collect information for the strict purpose of tracking activity on our site. This allows us to better understand how many people use our site and which pages and features are most popular. To evaluate the usefulness of our site, we may gather and analyze data regarding usage such as:

About "cookies"
To provide better service and a more effective web site, we use "cookies" as part of our interaction with your browser. A "cookie" is a small text file placed on your hard drive by our web page server. We do not use cookies to get data from your hard drive or to get your email address or personal identifying information.

Cookies are commonly used on web sites and do not harm your system. By configuring your preferences or options in your browser, you determine if and how a cookie will be accepted. We use cookies to determine if you have previously visited our web site and for a number of administrative purpose.

How We Handle E-Mail
When you send us an e-mail to comment on something or to ask a question, we will use your e-mail address to reply to you and for a limited time we will store your e-mail address, your message and our response for quality assurance. We may also do this to meet legal and regulatory requirements. If we collect your e-mail address in this manner, we will not use it to let you know about our products and services unless you have given us permission.

This information is not given or sold to any other organization.

E-Mail Security
Regular non-encrypted Internet e-mail is not secure. In the instances where our Internet e-mail addresses are provided, these are provided for information inquiries of a non-sensitive and non-confidential nature. E-mail you send us may not be secure unless we advise you that it is secure prior to transmitting your message. Therefore, we recommend that you not send us confidential information such as social security or account numbers via unsecured email. You may also contact us by phone, U.S. mail or by visiting your nearest banking center.

Home State Bank Online Banking uses the highest level of encryption that your browser will support (currently 128-bit encryption). This safeguards you from possible interception of your personal financial information over the internet. For more about 128-bit browser encryption, click here.

Secure Login:
You will be assigned a 4 digit password to enter Online Banking. This will allow you access through the 1st Time User program. You will immediately be prompted for a new, longer password. Protecting your password is important to the security of your accounts and it is to your benefit to change your password from time to time.

Secure Environment:
Our host computer is surrounded by a secure ‘firewall’ consisting of software and hardware products that control and limit the access from outside computers.

Security Reviews:
Our firewall is continuously monitored by an outside firm - 24 hours a day, 7 days a week. They provide reports for review to our Data Center. As always, our deposit accounts are covered by the terms, conditions and limitations of the FDIC.