http://www.fsbalex.com.sundog.net/index.php/site/index/ en justin.barta@sundog.net Copyright 2009 2009-12-23T15:52:00-06:00 http://www.fsbalex.com/index.php/site/find_an_atm/ http://www.fsbalex.com/index.php/site/find_an_atm/#When:15:52:00Z Your First State Bank of Alexandria debit card will work at any ATM that displays the Instant Cash, Star, or Cirrus logo. To find an ATM in your area, or where you will be traveling, click on the ATM locator links below. Instant Cash ATM locator Star ATM locator Cirrus ATM locator 2009-12-23T15:52:00-06:00 http://www.fsbalex.com/index.php/site/movers_guide/ http://www.fsbalex.com/index.php/site/movers_guide/#When:21:07:00Z It's Easy to Switch to First State Bank of Alexandria! Download our "Easy Movin'" guide to help you organize your financial information. Bring in your completed guide and we'll make it easy to switch. Download the Easy Movin' Guide 2009-11-11T21:07:00-06:00 http://www.fsbalex.com/index.php/site/calculators/ http://www.fsbalex.com/index.php/site/calculators/#When:16:49:01Z 2007-09-27T16:49:01-06:00 http://www.fsbalex.com/index.php/site/privacy/ http://www.fsbalex.com/index.php/site/privacy/#When:15:29:00Z First State Bank of Alexandria OUR PRIVACY NOTICE We are committed to providing you quality products and services while protecting your privacy and security. This Privacy Notice explains what information we collect about you and with whom we share it. PRIVACY PRACTICES OF THIRD PARTIES We are not responsible for the privacy policies or practices of any non-affiliated third party. We encourage you to review their privacy policy before providing them with any personally identifiable information. Third parties may collect and use information about you in a way that is different from this Notice. WHO “WE” ARE In this Privacy Notice, we, us or our mean: BlackRidge Financial, Inc. – A bank holding company and the following wholly owned affiliates: Affiliate means any company that controls, is controlled by, or is under common control with another company. Lakewood Bank N.A. – a nationally chartered bank First State Bank of Alexandria – a Minnesota state chartered bank BlackRidgeBANK – a North Dakota state chartered bank We have combined our Privacy Notice because you may be a customer of more than one entity. WHO “YOU” ARE This Privacy Notice will apply to you if you are a consumer who has a continuing relationship with one or more of us. A consumer is a natural person (not a corporation or other legal entity) whose account covered by this Notice is established for personal, family or household purposes (as opposed to a business purpose). If you have a joint account with us, you should share this Notice with the persons who share your account. They may not receive a separate Notice. If you have more than one account with us, you may only receive one copy of this Notice. The practices described in this Notice also apply to our former customers. WHAT “INFORMATION” IS The term information as used in this Privacy Notice means non-public personal information. This is a legal term which generally means: 1. Information that can identify you such as your name, address or social security number, 2. that is not publicly available, and 3. that we collect in connection with providing a financial product or service to you. OUR INFORMATION COLLECTION PRACTICES In order to provide you with quality products or services, we collect and maintain information about you. This includes personal and financial information which is generally not available to the public. We get this type of information from various sources, including: • Information you provide to us on applications or other forms, whether in person, by mail, over the telephone or via the Internet. This information may include, for example, your name, address, social security number and date of birth. • Information we learn through your financial transactions with us. This may include information on your account balance, transaction history, and account usage. • Information we receive from a credit reporting agency (credit bureau), if applicable. This may include your credit score and credit history. • Information we receive from our affiliates and from non-affiliated third parties, relating to their transaction experience with you. INFORMATION WE SHARE WITH AFFILIATES We may share information derived from transactions we conduct on your behalf with affiliates. Under Federal law, you may not opt-out of disclosure of this information. We may also share information you provide directly to us on applications or forms, or information we receive from credit reporting agencies or other companies, related to your credit worthiness or payment history for servicing or processing a financial product or service requested by you. You may not opt-out of the disclosure of this information. INFORMATION WE SHARE WITH SERVICE PROVIDERS We may disclose information we collect from you to companies and affiliates that perform services on our behalf such as preparing and mailing statements or responding to customer inquiries. We are permitted by law to disclose this information when our contract with these service providers specifies that: • Our vendors must abide by applicable privacy laws and reflect our commitment to the confidentiality of your information. • All information disclosed is to be used only for the purpose for which it was originally intended. INFORMATION WE SHARE WITH NON-AFFILIATED THIRD PARTIES We do not disclose any information about you to non-affiliated third parties, except as permitted by law. These disclosures include but are not limited to sharing nonpublic personal information: • When we have received your prior consent. • When necessary to complete a transaction you have initiated, such as a credit or debit card purchase. • With a reputable credit bureau or similar consumer reporting agency. • As authorized or required by law or in response to the judicial process. OUR DATA SECURITY PROCEDURES We restrict access to non-public personal information about you to those persons who need to know that information in order to provide products or services to you. Our employees are trained about the importance of maintaining confidentiality and customer privacy. We maintain physical, electronic, and procedural safeguards to guard your non-public personal information. CHANGES TO THIS NOTICE We may make changes to this Privacy Notice at any time. If we do, we will provide you with a notice of such changes as required by law. This Notice replaces any other previous Privacy Notice about our customer information sharing practices. COMPLIANCE WITH STATE LAW We will comply with more restrictive state laws to the extent that they apply to us. FOR MORE INFORMATION If you have questions regarding the information contained in this Notice, please contact us at one of the following locations: Lakewood Bank, N.A. 5411 County Road 18 Nisswa, MN 56468 (866) 963-7325 First State Bank of Alexandria 3313 Highway 29 South Alexandria, MN 56308 (320) 763-7700 BlackRidgeBANK 4040 42nd St. SW, Suite O Fargo, ND 58104 (701) 364-9050 July 2009 Equal Housing Lender Member FDIC 2007-08-31T15:29:00-06:00 http://www.fsbalex.com/index.php/site/resources/ http://www.fsbalex.com/index.php/site/resources/#When:15:29:00Z NOTE: These are links to external web sites provided for your convenience. First State Bank of Alexandria does not review, control or monitor the information on these sites, and has no control over their content. Use of these sites is subject to the terms and privacy policies of the respective organizations. * FDIC * Alexandria Echo Press * Alexandria Chamber of Commerce * Deluxe Reorder Personal Checks * Deluxe Reorder Business Checks 2007-08-31T15:29:00-06:00 http://www.fsbalex.com/index.php/site/online_banking/ http://www.fsbalex.com/index.php/site/online_banking/#When:15:08:00Z First State Bank of Alexandria is always open on your computer! Enroll in FREE online banking and our professional staff will customize your site to help simplify your financial life. Online banking will allow you to check account balances, transfer funds, pay bills, review check images, calculate loan payments and much more. First State Bank of Alexandria is just a click away. You can access your accounts anytime from any PC with internet access. It is fast and easy to enroll in online banking. Follow the instructions below or call one of our professionals, who will be happy to walk you through the enrollment process and highlight some of the online banking features. * Enroll for Consumer Online Banking * Enroll for Business Online Banking * Try Consumer Online Banking Demo * Try Business Online Banking Demo To combine your personal and commercial online banking sites, please contact one of our professionals. First State Bank Announces Online Bill Pay Bill pay is an easy-to-use, feature-rich bill payment service with an abundance of flexibility that should meet the needs of all bill pay users, from the novice to the most experienced. It allows you to pay anyone who has a postal or email address, and it provides additional features including bill pay reminders, added security functions, pay from multiple bank accounts, and much more. * Review the Online Bill Pay Demo 2007-08-31T15:08:00-06:00 http://www.fsbalex.com/index.php/site/about_us/ http://www.fsbalex.com/index.php/site/about_us/#When:15:07:01Z First State Bank of Alexandria is a community minded bank headquartered in Alexandria, Minnesota. We strive to offer the services of a modern financial institution, while maintaining the integrity of a community bank where decisions are made locally. First State Bank of Alexandria takes pride in having served the Douglas County area since 1904. At First State Bank of Alexandria, our mission is to meet the needs of our community by providing quality financial services. Our employees are deeply involved in church offices, booster clubs, and numerous community activities. First State Bank of Alexandria offers a complete range of banking products personal and business checking, savings, certificates of deposits, as well as loan products to serve all of your personal or business needs. We are proud of our experienced staff and the resources that enable us to make our lending decisions locally, with a quick response time and the professional touch needed to process your loan request. First State Bank of Alexandria also offers state of the art technology in internet banking products for both personal and business needs. Internet banking provides you with access to your account at your convenience and allows you to transfer funds, view your statement along with check images and pay bills with our easy to use bill pay solution. Our business customers will find that our commercial internet banking provides even more services, such as payroll processing and ACH origination. The highest level of security has been implemented to the First State Bank of Alexandria website to ensure that your information is secure. Bank with First State Bank of Alexandria and you work with people whose history and future are tied to this area. People ready to invest in you, our neighbors and our friends. 2007-08-31T15:07:01-06:00 http://www.fsbalex.com/index.php/site/locations/ http://www.fsbalex.com/index.php/site/locations/#When:05:40:01Z 2007-08-30T05:40:01-06:00 http://www.fsbalex.com/index.php/site/rates/ http://www.fsbalex.com/index.php/site/rates/#When:04:58:00Z First Choice Checking Minimum Balance InterestRate AnnualPercentageYield $800.00 0.50% 0.50% * $800 minimum opening deposit. * $800 minimum balance required to avoid a $5.00 monthly service fee. * You must maintain a minimum balance of $800 in the account each day to obtain the disclosed annual percentage yield. First Class Club Checking Minimum Balance InterestRate AnnualPercentageYield $300.00 0.50% 0.50% * $300 minimum opening deposit. * For customers 50 or better. * $300 minimum balance required to avoid a $5.00 monthly service fee. * You must maintain a minimum balance of $300 in the account each day to obtain the disclosed annual percentage yield. Cardinal Club Savings (For kids under 18) Minimum Balance InterestRate AnnualPercentageYield $25.00 0.50% 0.50% * $25 minimum opening deposit. * For customers under age 18. * $25 minimum balance required to avoid a $2.00 monthly service fee. * You must maintain a minimum balance of $25 in the account each day to obtain the disclosed annual percentage yield. First Access Savings Minimum Balance InterestRate AnnualPercentageYield $200.00 0.50% 0.50% * $200 minimum opening deposit. * $200 minimum balance required to avoid a $2.00 monthly service fee. * You must maintain a minimum balance of $200 in the account each day to obtain the disclosed annual percentage yield. Money Market Savings Minimum Balance   InterestRate AnnualPercentageYield $2,500.00 $19,999.99 0.94% 0.95% $20,000.00 $49,999.99 1.09% 1.10% $50,000.00 $99,999.99 1.19% 1.20% $100,000.00 $249,999.99 1.29% 1.30% $250,000.00 above 1.39% 1.40% * $2,500 minimum balance required to avoid a $5.00 monthly service fee. * You must maintain a minimum balance of $2,500 in the account each day to obtain the disclosed annual percentage yield. Passbook IRA Minimum Balance InterestRate AnnualPercentageYield $500.00 1.89% 1.90% * Passbook IRA account closing or transfer fee of $35 will be assessed at the time of closing or transferring the Passbook IRA, unless you have other Passbook or CD IRA accounts with the bank, then the IRA closing or transferring fee will be deducted from one of those IRA's upon closing. Health Savings Account (HSA) Minimum Balance   InterestRate AnnualPercentageYield $50.00 $2,499.99 0.75% 0.75% $2,500.00 $4,999.99 1.00% 1.00% $5,000.00 $9,999.99 1.24% 1.25% $10,000.00 $24,999.99 1.49% 1.50% $25,000.00 and over 1.74% 1.75% * $50 minimum opening deposit * Account closing fee $35.00 * You must maintain a minimum balance of $50 in the account each day to obtain the disclosed annual percentage yield. * Please ask for further details or call us at 320-763-7700. * Annual percentage yield is accurate as of 2/22/2010. * Variable rate interest bearing accounts. * Fees may reduce earnings. * Interest is compounded and credited monthly (Quarterly for Passbook IRA). * Interest rates may change after account is opened. * Member FDIC Certificates of Deposit Account Type InterestRate AnnualPercentageYield Min Deposit Penalty for EarlyWithdrawal 3 Month 1.00% 1.00% $500.00 6 Months 6 Month 1.40% 1.40% $500.00 6 Months 1 Year 1.80% 1.80% $500.00 6 Months 18 Month 1.90% 1.90% $500.00 12 Months 2 Year 2.10% 2.10% $500.00 12 Months 3 Year 2.50% 2.50% $500.00 12 Months 4 Year 2.95% 2.95% $500.00 12 Months 5 Year 3.25% 3.25% $500.00 12 Months * Please ask for further details or call us at 320-763-7700. * Annual percentage yield is accurate as of 2/22/2010. * Interest is compounded and credited annually. * Member FDIC 2007-08-30T04:58:00-06:00 http://www.fsbalex.com/index.php/site/contact_us/ http://www.fsbalex.com/index.php/site/contact_us/#When:04:34:01Z If you have a question, need to make a transaction or are looking to add new products or services; feel free to contact us anytime. You may contact us on-line or any way which is convenient for you. 2007-08-30T04:34:01-06:00