ATM Update

With the ownership change at Colonial/Village Pantry in Ogden, they immediately asked us to remove our ATM. Since we had no advance notice, we were unable to inform our customers in advance. We apologize for this inconvenience. We still maintain an ATM at St. Joseph First that is free for our customers .

Online Banking Security

Recent surveys indicate that more and more people are doing their banking online and doing less banking in the more traditional ways. It's FAST, CONVENIENT, and ACCESSIBLE.

The banking industry is highly regulated by the government. As a result many standards and laws are in place to protect customers' nonpublic personal information. These standards include:

• Ensuring customers' confidentiality
• Protecting against any threats to the security of customers' personal information
• Protecting against unauthorized access to customer information

This is accomplished by:

1. Controlling access to customer information to only authorized individuals
2. Data encryption of any electronically transmitted and stored customer information
3. Any changes to customer information must be approved and follow security policy
4. Employee background checks and dual control processes, and segregation of duties
5. Monitoring procedures to detect an attempted or actual intrusion into customer information
6. Having a procedure in place to respond when unauthorized access is suspected
7. Having protection/back-up plan in place in case of physical damage or technological failure

1. Utilize passwords. You are advised to use a combination of letters and numbers. Do not use easily guessed passwords such as addresses or birthdates. Don't share your passwords with anyone.
2. Utilize anti-virus software on your computer. Keep it current.
3. Email is not usually encrypted, so be careful of sending any personal or business information.
4. Always log off and exit secure areas of the bank website.
5. Keep an eye on your bank accounts through online banking. If you find a questionable transaction, notify your bank immediately.
6. Be careful of "friending" strangers on social networking sites.
7. DO NOT use your debit card for online shopping!