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Friday Treat - Fall Snack Mix

Friday, October 20, 2017 


FYI: Equifax Breach

About the Equifax breach:

Equifax is one of the major credit report agencies handling millions of accounts worldwide. September 7, 2017, Equifax announced that the records of approximately 143 million Americans were compromised between May and July of 2017. Compromised records contained personal information including names, birth dates, addresses, Social Security Numbers and some driver’s license numbers. 209,000 credit card numbers were obtained, but not debit cards. With this information there is a risk of identity theft. Learn more about the breach at the following sites:

Equifax at

Federal Trade Commission at

Protect yourself after a breach, visit

What Equifax is doing about the breach:

Equifax established a website at which provides information for potentially impacted consumers. Due to the large numbers of compromised records, Equifax is encouraging everyone to visit this site. At this website, consumers can check to see if their information was potentially compromised and enroll for free credit monitoring through Equifax for one year. Fraudulent activity might not occur for a long time so they need to keep watching their credit file and bank accounts for an extended period of time.

What consumers can do:

Enrollees receive a date to enroll, so they visit the site, start the enrollment process, receive an enrollment date and return to the site to finish enrollment. Other options are:

  • Consider placing a freeze or a fraud alert on their credit file. If you will be applying for credit soon or think you might need quick credit in an emergency, it might be better to simply place a fraud alert on your files with the three major credit bureaus.  A fraud alert puts a red flag on your credit report which requires businesses to take additional steps, such as contacting you by phone before opening a new account. Equifax has agreed to waive all credit freeze fees for the next 30 days for people who want to freeze their Equifax credit files.
  • Monitor your credit at
  • Watch for scam emails from Equifax
  • Monitor bank accounts

Contact information for the three major credit bureaus (and one smaller one):

Equifax: Call 800-349-9960,

Experian: Call 888-397-3742, 

TransUnion: Call 888-909-8872,

And Innovis: 800 - 540 -2505, a smaller company,

Your call will be answered by an automated voice prompt.  It will walk you through placing a credit freeze.  Experian and TransUnion have a $10 fee.


Welcome to FSB Jen!

Jennifer Neisen is Farmers State Bank newest employee.  Here she is in her own words:

Hi, I’m Jennifer Neisen. I grew up in Minneapolis, graduating from Minnetonka HS in 2001. I attended UNC-Chapel Hill and graduated in 2005 with a BS Nursing degree. I have worked for Children’s Hospital Minneapolis for 12 years with an adventure year living in NYC working at New York Presbyterian Children’s Hospital. I was married a year ago and followed my husband and his job here to Algona. Hobbies include fishing, crocheting, skiing/snowboarding, and spending time with family and friends.



    Now Available on our Mobile Banking App

    Pending Transaction Labels

    Users are able to identify their pending transactions in their transaction history. The system appends the word "Pending" to the description for any pending transaction associated with the account.

    Check Image Retrieval

    Users are now able to view check and deposit images from within Mobiliti for any transaction for which an image is available. Transactions with associated images appear in the transaction history with a check icon. 

    Additional Loan Details

    When viewing loan account details in Mobiliti, the Min. Due (that is, minimum amount due) and Due Date information now display in the banner at the top of the transaction history.

    Apple Touch ID

    Upon logging on to the Mobiliti app the first time after we have deployed the Mobiliti Feature Integration 7 release, the app presents users with the new Log In With Touch ID What's New tutorial. This tutorial presents users with an informational overview regarding Apple Touch ID; it only displays on Apple devices.

    Instant Balance

    Check accounts' balances without having to login with your username & password. 

    Click Mobile Banking to find out more information.


    Mobile App Update

    We have recently updated Mobiliti, the FSB Mobile App.  The new features are listed below. The update synced the Mobile App's password and your Online Banking password. You may see the following pop-up:

    If you see this pop-up, you need to LOGIN to your Online Banking account and update your password.  Password updates for Mobile Banking always occur on your Online Banking account. Please call (515) 295-7221 if you have any questions.


    Online Banking Upgrade 

    To log into your online account, on the FSB website homepage, enter your Username (formerly Access ID) and Password.

    Your eStatement can be found at Home/Select Account/Documents (2nd/lower Menu bar).

    We believe these changes will be beneficial to you.  If you have questions, call any of the Farmers State Bank locations.  Thank you for your continued support of Farmers State Bank.