Internet Security and Safety

At Belgrade State Bank, your safety and security are one of our top priorities. In a new and digital age, it is easier than ever to connect with your bank online. Below we provide some ways to stay safe while on the internet and interacting with Belgrade State Bank online.

  • We NEVER send emails requesting personal information. We will never ask you to "verify" information. We will never ask you to click on a special site link to do so. While emails of this nature may look like they are from us, and even use our logo, they are most likely a "phishing" scam. Do not answer them. If you receive an email purporting to be from us, do not hesitate to call us to confirm it.
  • We will never contact a customer on an unsolicited basis and request the customer's provision of electronic banking credentials.
  • Commercial online banking customers should perform a related risk assessment and controls evaluation periodically.
  • When emailing employees of Belgrade State Bank, do not email any confidential information such as account or loan numbers.

In the event that you notice suspicious account activity or experience customer information security related events, please contact any of the following:

  • Bookkeeping Department: 573-431-3999
  • Compliance Officer: 573-438-5200
  • Your local branch manager 

Electronic Funds Transfers

Belgrade State Bank follows the federal regulations under Regulation E for electronic fund transfers. The primary objective of Regulation E is the protection of individual consumers engaging in electronic fund transfers and remittance transfers. As mentioned, Regulation E covers consumer accounts. Consumer is defined in the regulation as a "natural person". The regulation does not apply to electronic transfers to and from business or commercial accounts. Account is defined as a "demand deposit (checking), savings or other consumer account held directly or indirectly by a financial institution and established primarily for person, family, or household purposes". This term does not include an account held by a bank under a bona fide trust agreement. Regulation E applies to any electronic fund transfer that authorizes a bank to debit or credit a consumer's account. An electronic fund transfer is any transfer of funds that is initiated through an electronic terminal, telephone, computer, or magnetic tape for the purpose of ordering, instructing, or authorizing a bank to debit or credit a consumer's account.

There are protections available, but only for consumer accounts under Regulation E. If you notify the bank within 2 business days after you learn of the loss or theft of your ATM/Debit card and/or your code, you can lose no more than $50.00 if someone used your card and/or code without your permission. The protections provided under Regulation E also allow the consumer to recover internet banking losses on their account (checking, savings or other consumer asset account) provided the losses are reported to the bank within the guidelines described.

If you do NOT tell the bank within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.00.

Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell the bank at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or a hospital stay) kept you from telling the bank, we will extend the time periods.

Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Visa Debit Card. This additional limit on liability does not apply to ATM transactions or to transactions using your Personal Identification Number which are not processed by Visa.

If you believe your card and/or code has been lost or stolen, call the bank at 573-438-5200 or write to: Belgrade State Bank, Bookkeeping Department, 414 N. State St. Desloge, MO 63601. You should also call the number or write to the above address if you believe a transfer has been made using the information from your check without your permission.

For additional information regarding online safety and security, please access these resources: