Iowa State Bank  

Safe Online Banking

We work hard to protect your financial privacy online.  When you use the Internet to visit us to review your account, transfer money or pay bills, you’re entering a secure area.  Our automated services achieve the highest level of security by:

  • Verifying that only authorized persons are allowed access to Online Banking with Multi-Factor Authentication and password protection
  • Providing 128-bit encrypted Secure Socket Layer protection
  • Having stringent privacy policies in place with bank-wide procedures to assure that they are strictly observed

Avoid “Phishing” Scams
The Internet has become the new location for thieves to prey on unsuspecting online users by fraudulent means.  The fastest growing form of online fraud today is called “phishing” and it utilizes fake messages from organizations that you trust to try to get access to personal information such as social security numbers, passwords, bank account numbers and other private data.  The attack is generally initiated through mass email communication sent to thousands of individuals.  Phishers typically include upsetting or exciting (but false) statements in their emails to get people to react immediately.  The email will even include “borrowed” materials, such as web site graphics and logos, to trick you into believing it’s an official looking, but entirely bogus, email.  A typical message will tell the email recipient they need to “update” or “validate” their information to keep their account active.  They may even direct potential victims to a web site that imitates the look of the legitimate website.  Unknowingly, consumers submit their information to the impostor who then uses the information to commit identity theft. 
The word “Phishing” comes from the analogy that Internet scammers are using email lures to “fish” for passwords and financial data from the sea of Internet users.  “Ph” is a common hacker replacement for “f”.  
At Iowa State Bank we will NEVER send you an email 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 appear to be from us, and even use our logo, they are most likely a “phishing” scam.  Do not answer them.  If you receive an email claiming to be from us, do not hesitate to contact us at 515-288-0111 to confirm it. 
The number and sophistication of phishing scams sent out to consumers is continuing to increase dramatically.  Here’s a list of recommendations to protect you from online fraud.

  1. Be suspicious of any email with urgent requests for personal financial information.  Never reply to messages that request your personal financial information, even if it looks legitimate.
  2. Don’t use hyperlinks located within the email.  Instead call the company or log onto the website directly by typing in the Web address in your browser.  The key is that you are the one initiating the contact.  Get in the habit of looking at the address line.  Were you redirected to something different like “”?
  3. Make sure the website uses encryption – the Web address should be preceded by https:// instead of the usual http://
  4. Look for the “lock” icon on the status bar before submitting financial information through any website. 
  5. Consider installing a Web browser tool bar with security features to help protect you from known fraudulent websites.
  6. Install Spam filter and anti-virus software on your computer and make sure it’s turned on.
  7. Scan your computer regularly and remove spyware. 
  8. Avoid sending personal financial information by email.
  9. Avoid using public computers at libraries, hotels or airports for conducting personal financial business.
  10. Watch what you download.  There’s a wide variety of free software that can be useful, but come with viruses and spyware.  Try to download only from well-known sites. 
  11. Regularly log into your online accounts.  Monitor your transactions and report any discrepancies immediately.
  12. Update your operating system and web browser software regularly.
  13. Shut off your computer when you’re not using it for long periods of time.  This can reduce the chance that a malicious remote computer will access it.
  14. Educate yourself and keep current on Internet fraud scams.
  15. Always report “phishing” emails to the following groups:
    • Forward the email to
    • Forward the email to the Federal Trade Commission at
    • Forward the email to the “abuse” email address at the company that is being spoofed
    • Click here to notify the Internet Crime Complaint Center of the FBI by filing a complaint on their website

If you have given out your personal financial information, you should assume you will become a victim of fraud.  Report the theft as quickly as possible, cancel your account and open a new one and review your billing statements carefully.   

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