Scam Alert: Customers will never be asked for full social security numbers, usernames, passwords, PINs, or one-time passcodes (OTP).  If you believe you have been a victim of a scam or your account has been compromised, please contact your local branch or call us at (888) 325-7777.

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Privacy & Security


rev. August 2019


Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.


The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number
  • Income
  • Account balances
  • Account transactions
  • Checking account information
  • Wire transfer instructions

When you are no longer our customer, we continue to share your information as described in this notice.


All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons 22nd State Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information:

For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.
For our marketing purposes – to offer our products and services to you.
For joint marketing with other financial companies.
You cannot limit this sharing.

We will never share your information for these reasons:

For our affiliates’ everyday business purposes – information about your transactions and experiences.
For our affiliates’ everyday business purposes – information about your creditworthiness.
For non-affiliates to market to you.

Who we are

Who is providing this notice?
22nd State Bank

What we do

How does 22nd State Bank protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law.

These measures include computer safeguards and secured files and buildings.
We also maintain other physical, electronic, and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does 22nd State Bank collect my personal information?
We collect your personal information, for example, when you

  • Open an account
  • Apply for a loan
  • Make deposits or withdrawals from your account
  • Make a wire transfer
  • Show your driver’s license

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?
Federal law gives you the right to limit only:

  • sharing for affiliates’ everyday business purposes – information
    about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.


Companies related by common ownership or control. They can be financial and non-financial companies.

  • 22nd State Bank is owned by a holding company, FEB Bancshares, Inc.

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • 22nd State Bank does not share with non-affiliates so they can market to you.

Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • 22nd State Bank does jointly market with Kasasa Ltd.

Security — Be Safe Online

Below are links to government websites and resources concerning online identity theft and steps you can take to protect yourself online.

22nd State Bank works closely with our card processors to monitor for fraud by watching carefully for any activity that deviates from your customary spending patterns. We use every monitoring tool at our disposal to find fraud trends and act quickly whenever suspicious activity appears on a customer’s account, or when a merchant data breach is reported to help you avoid or minimize loss.

You can help by carefully reviewing your monthly statements. Fraud activity often peaks during the holiday season. We advise you to monitor your accounts closely and use your debit or credit card only with merchants you trust. Customer service is our highest priority. We will continue to monitor transactions closely in an attempt to identify those that might be fraudulent.

Certain data breaches might cause transactions to be blocked, so if you experience the blocking of a legitimate transaction, please notify your banker right away. If we have any reason to believe your account has been compromised in any manner, we may proactively contact you and issue new cards.

Contact us immediately if you see any suspicious activity or unauthorized purchases.