Identity Theft & Banking Security Education
Yes. The Identity Theft and Assumption Deterrence Act enacted by Congress in October 1998 made identity theft a federal crime.
Do not give out your personal information on the telephone unless you have initiated the call or know with whom you're speaking. Identity thieves may pose as representatives of financial institutions, Internet service providers, and even government agencies to get you to reveal sensitive information.
Yes. Make sure you verify that the website you are on is a secured site before submitting financial information or personal data. Do not follow links in suspicious emails. Access the website you wish to reach by typing the address into your browser.
Yes. Please feel free to contact us to verify the authenticity of any phone call that you are skeptical about.
Financial institutions and employers will need your SSN as proof of your identity and for wage and tax reporting. If you are applying for a loan, utility service, or a rental agreement, these businesses may need your SSN for a credit check.
Yes, and here are some general questions you should ask when someone requests your SSN:
- Why do you need my SSN?
- How are you going to use my SSN?
- What procedures do you have in place to protect my information?
- What will happen if I choose not to release this information?
Contact your financial institution to close the account(s) which have been affected. Place a fraud alert on your credit reports and review them. File a report with your local police department.
You can contact us directly during regular business hours or, for 24 hour reporting, call 833-933-1681.
You can contact us directly during regular business hours or, for 24 hour reporting, call 1-800-423-7503.
Kaw Valley State Bank has several publications on hand to inform our customers about the processes to resolve an identity theft situation. You can also find out more at the following links:
FDIC
The Federal Deposit Insurance Corporation preserves and promotes public confidence in the US financial system by insuring deposits in banks and thrift institutions.
An independent agency of the federal government, the FDIC was created in 1933 in response to bank failures that occurred in the late 1920s and 1930s.
The FDIC is managed by a five-person Board of Directors, all of whom are appointed by the President and confirmed by the Senate, with no more than three being from the same political party.
Yes! Through December 31, 2009, savings, checking and other deposit accounts, when combined, are insured to $250,000 per depositor in each bank or thrift the FDIC insures. Deposits held in different categories of ownership such as single or joint accounts may be separately insured. The FDIC generally provides separate coverage for retirement accounts, such as individual retirement accounts (IRAs) insured up to $250,000. The FDIC's Electronic Deposit Insurance Estimator can help you determine if you have adequate deposit insurance for your accounts.
The FDICs Contact Us page provides instructions on how to contact the FDIC by phone, email, fax or regular mail, as well as links to other government financial regulatory agencies.
Digital Banking
Digital banking is a FREE tool that allows you to use a personal computer with an Digital connection to conduct your banking online.
You can view account balances, transfer funds, make loan payments, and much more. Check out our online demo to see all of the options available with Kaw Valley State Banks Digital Banking.
No! It is absolutely FREE!
Digital Banking with the Kaw Valley State Bank is available, 24 hours a day, 7 days a week!
Kaw Valley State Bank has in place the highest security measures to make sure your information is kept safe and confidential.
Once you have logged into the Kaw Valley State Bank Digital Banking, click on the Options tab, from the drop down click on Security Settings. You will be able to reset your Password, change your Security Key or change your Security Questions. After you have made the changes that you want, click on submit.
In the Login Box, click on Forgot Password, enter your login name and the Random Code. On page 2 you will enter the answers to your security questions and click on next. Now enter your new password and you will be ready to login.
Alerts allow you to receive an email or text message when one of your accounts has met certain conditions. Examples of alerts you can choose from are:
- The balance in an account is above or below a certain amount.
- Any certain check number is clearing.
- A transaction with a certain description is posting.
- Reminder that a loan payment is coming due.
- The payoff on a loan is below a certain amount.
- Certificate of deposit is maturing.
- Reminders for birthdays, appointments etc.
Call us at 785-456-2021 for a temporary Login name and Password.
Yes, our Digital Banking has downloads to QuickBooks available for both Consumer Digital Banking and for Business Banking.
Bill Pay
Bill pay is a convenient service that allows you to pay your bills when and how you want, right from your computer.
NO! Kaw Valley State Bank is happy to provide this service to our customers absolutely FREE!
You can pay virtually anyone in the United States--from national bank cards, mortgage companies, auto loans, and department stores to the local newspaper carrier. Payees that are not eligible for payment through this service include governmental agencies, including but not limited to, the Internal Revenue Service, all state and local tax authorities, collection agencies, as well as recipients of court-ordered payments like child support or alimony. However, payments to government agencies for utilities such as water are permitted.
You may set-up a Payee and schedule the first payment in the same session. If for any reason the Payee information cannot be verified or is in some way incorrect, you will be notified via phone so that you may correct the Payee information and reschedule a new payment.
A confirmation number is displayed after you complete a transaction. This is your electronic receipt. The confirmation number is a record that transactions were accepted and will be processed, so you may record this number. Your statement will also include all of your online transactions. Print your statement for a paper receipt.
If a payment has not posted to a merchant on time even though a payment was submitted online allowing sufficient delivery time for your payment method, you can submit an inquiry. Simply click on Secure Messaging on the left menu bar and create an inquiry using the Bill Pay Question subject heading. Provide details on the reason of your inquiry such as "payment has not posted" to help expedite the inquiry process.
Security begins with your browser session. To protect transactions, we only accept logins originating from a browser that supports the highest level of encryption (128-bit). Encryption prevents transactions from being read by unauthorized parties over the Internet.
While online, you can use the Help Tab or send a secure message to our service provider. At any time during regular business hours you can contact your local Kaw Valley State Bank branch.
Stop Payment
We will stop payment on your check for a nominal fee. You need to contact your local Kaw Valley State Bank branch either in person or via telephone with the check number, to whom it was written, and the dollar amount. If you call in, you must come by and sign the stop payment form within 14 days.
You must file a SIGNED revocation form at your local Kaw Valley State Bank within 60 days of the transaction posting to your account.
Whether your purchase was made at the store, over the phone, or online, we must file a dispute with the company. The funds for the purchase will not be credited back until the dispute is approved by the company.
We can put an internal watch on your Kaw Valley State Bank account to monitor your account until the missing items are recovered. If fraud or theft is suspected, please contact us immediately to safe guard your identity and accounts.
Home Loan
Typical closing costs are in the range of 3-5% of the purchase price. However, these cost do vary by lending program and by a consumers credit worthiness. For a complete explanation of Kaw Valley State Bank's closing costs please contact one of our home loan specialists.
A Title Insurance company completes extensive research into public records to determine if anyone other than you has an interest in the property. Title insurance protects you from loss if someone contests the title to your property in legal action or if there is a title defect that cannot be eliminated.
If you are buying a home, you need to know exactly what you are getting. A home inspection, performed by a professional home inspector, will reveal any hidden problems with the home so that they can be addressed BEFORE the deal is closed.
Private mortgage insurance (PMI) is a supplemental insurance policy you may be required to obtain in order to get a mortgage loan. PMI is provided by private companies and is usually necessary when your loan to value ratio is greater than 80%.
According to the Mortgage Brokers Association, PMI typically amounts to about one-half of one percent of your mortgage amount annually. On a $200,000 mortgage, you may be paying approximately $1,000 per year for PMI.
Funds Transfer
We have several convenient ways for you to access your accounts. During regular business hours, you can transfer funds in person or by calling one of our three branches.
For 24 hour service, you can log on to our Internet Banking service on this website or call TeleServ, our bank by phone service.
Yes, you have the same options for loans as you do for regular transfers. The process is described in the previous question.
The easiest way for you to transfer funds to another institution is by signing up for our ePay$ service. To access ePay$, log in to your Internet Banking account and select ePay$ from the Transfer tab. Then click on the Manage Accounts and People tab to set up your account information at the receiving institution.
