Privacy Policy

All prequalification applications are processed through an automated underwriting system. By submitting this application, you are authorizing First Security Mortgage to run a credit report and verify employment and assets for the purposes of prequalifying for a mortgage loan. By sumbitting this application, you consent to receive loan documents and do business electronically.

There is no charge for an initial prequalification application. When your loan is approved and closed, you will then be required to reimburse the bank for the credit report and automated underwriting system charge that was incurred during the prequalification process.

Our Commitment to Your Privacy

At First Security Bank, the basis of each customer relationship is trust. You have chosen to do business with our bank, and we are committed to honoring that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy notice below.

This notice contains important information concerning the privacy of your personal information that First Security Bank collects about you and how that information is used. If you decide to close your account or become an inactive customer, we will adhere to the privacy policies and practices described below.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you or to process transactions to your accounts. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications or other forms you provide to us;
  • Information about your transactions with us, our affiliates or others;
  • Information we receive from a consumer reporting agency; and
  • Information we receive from third parties in verifying information you have provided to us.

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as provided by law. We may disclose our transaction and experience-based information about our customers and former customers to our affiliates, provided that the affiliates may not use the information for marketing purposes.

Methods to Protect Your Own Personal Information

We also recommend that you take the following precautions to guard against the disclosure and unauthorized use of your account and personal information:

  • Never provide personal information (including full Social Security numbers or account and credit card information) over the phone unless you have initiated the call and know with whom you are speaking or via e-mail;
  • Safeguard ATM, credit and debit cards;
  • Memorize personal identification numbers (PINs) and refrain from writing PINs, Social Security numbers or credit card numbers where they may be easily found;
  • Immediately change preassigned PINs to a personally memorized PIN;
  • Do not use easily identifiable numbers such as birth dates, addresses, phone numbers or Social Security numbers when choosing your PIN;
  • Store cancelled checks, new checks and account statements in a safe place;
  • Tear up or shred unused preapproved credit offers; and
  • Report lost or stolen checks, credit and debit cards immediately.

In order to determine if you have been a victim of identity theft, you may obtain a free annual credit report online at www.annualcreditreport.com. Please contact a loan officer at any First Security Bank location for assistance in reviewing your personal credit report.

This Privacy Notice may differ from other affiliates of First Security Bancorp. Please review their respective notices or policies.