21-Month CD Special Going on Now!

* Annual Percentage Yield. APYs effective July 6, 2010. Limited time only. Minimum opening deposit and balance to obtain any APY is $500. To obtain Option B (eBanking Express certificate APY), an active eBanking Express Checking Account is required. See Truth in Savings Disclosure for further details. Early withdrawal penalty may be imposed if funds are withdrawn before maturity date. Fees could reduce the earning on your account.

¹ Make additional deposits into the account (only allowed on Option B) until the maturity date, not to exceed original CD balance. Transfer in person, over the phone, or through Online Banking.

Transaction Account Guarantee Program

1st Security Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules. If you have any questions about this program, please contact your local branch.

IMPORTANT: A change is coming to your 1st Security Bank checking account.

Your 1st Security Bank checking account has a convenient feature called Debit Card Overdraft Privilege. Effective August 15, 2010, we can no longer provide this coverage automatically — so you need to tell us if you want to keep it.

1st Security Bank’s Debit Card Overdraft Privilege is designed to help you in those rare occasions when there are not sufficient funds in your account to pay a transaction recently completed. In those cases, we will advance funds, creating an “overdraft” or a negative balance in your account. The overdraft is then typically repaid with your next deposit.

Due to recent changes in federal banking regulations, we are now required by law to obtain your permission before we can cover ATM and one-time debit card transactions. If you are interested in taking advantage of the protection afforded by our Overdraft Privilege, now is an excellent time to sign up. The opt-in/opt-out form provides you with the information you’ll need to make an informed decision on whether 1st Security Bank’s Debit Card Overdraft Privilege is right for you.

Read our frequently asked questions about this change.

Please tell us if you want to keep this convenient coverage on your checking account. If you don’t — and there isn’t enough money available to cover a purchase — in the future, your everyday debit card transactions will be declined. Please complete the opt-in/opt-out form and return it to us by August 15, 2010, so we can begin or continue providing you with overdraft protection. Please be advised that Debit Card Overdraft Privilege is limited to one checking account per customer.

Important Details About 1st Security Bank’s Debit Card Overdraft Privilege

• An insufficient funds fee of $30 each time may be imposed for covering overdrafts created by check, in-person withdrawal, debit card transaction or other electronic means.
• Once an overdraft has occurred, you are obligated to bring your account to a positive balance promptly.
• Whether your overdraft will be paid is at 1st Security Bank’s discretion, and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have had excessive overdrafts.
• 1st Security Bank Debit Card Overdraft Privilege is different from Overdraft Protection in that it does not transfer money from a savings account or line of credit.
• Debit card purchases that are set up to bill automatically (like a gym membership) may continue to be authorized at our discretion if you do not sign up for Debit Card Overdraft Privilege.

MoneyPass iPhone Application is Now Available!

At 1st Security Bank, we want to make your banking easier. Our partnership with the MoneyPass network is all about convenience and it just got a little more convenient. 1st Security debit and ATM card holders can now find surcharge-free ATMs while they’re out and about. The new MoneyPass ATM Locator app for the Apple iPhone can be used anywhere to find the nearest MoneyPass ATM.

Visit the iPhone App Store and download the free MoneyPass ATM Locator. The app provides the same user-friendly search capabilities as the online locator and is easy to use. Cardholders can even locate ATMs from their exact current location. ATM information can be sent to an email address and directions to the ATM can be mapped.

If you have any questions about the locator or don’t have an iPhone but still want to find the nearest ATM, visit the MoneyPass network at www.moneypass.com.

Taking a trip outside of the USA?

We’re serious about doing all we can to protect you from debit card fraud.

To further protect you from debit card theft, the following change is effective August 15, 2009:
All debit card transactions performed outside of the U.S. and Canada will be blocked unless you have notified us in advance of your travel plans.

Before you travel outside of the U.S or Canada, please call your branch of account to let us know your travel plans (such as the countries you’ll be visiting and the dates of your visit). When you do this, we’ll then be able to make sure you’re able to continue to use your card without any problems.

It’s just one of the ways we’re working to help ensure your safety.

1st Security Bank is excited to announce our newest banking package – eBanking Express

It’s finally arrived. An account that gives you the convenience and benefits you want and gets rid of the things you don’t – less than satisfying deposit rates, wasted paper, and wasted minutes on trips to the bank.

eBanking Express is an account that gives you the freedom to control your finances from the comfort of your home or office. Okay you say – what makes this account any different that just a checking account with online banking?

With eBanking Express you won’t need our assistance as often, so we set ourselves apart by passing the savings on to you. Not only are we giving you exclusive access to use our enhanced online banking system, we’re also giving you a fantastic rate on your checking account, loan discounts, free checks and wires, and much more! Plus, you’re helping the environment – and we think that’s pretty cool, too.

The requirements are minimal and easy, and we’re here for you every step of the way.

Account details

Account disclosure

Canyon Park Branch Now has Safe Deposit Boxes!

1st Security Bank’s Canyon Park branch in Bothell now offers the safety and security of Safe Deposit Boxes to our customers!

Your valuable items should be stored in a safe, secure place. Legal documents (such as a will, deed or title), fine jewelry, CDs and stock certificates – anything that would be difficult or impossible to replace – can be protected at your Canyon Park 1st Security branch. Safe deposit boxes are available at our Poulsbo and Port Angeles locations as well. We have a variety of sizes to give you an affordable solution to your security needs.

Call or visit us today to find out more!

Please note: Items stored in your safe deposit box are not insured by FDIC Insurance. A safe deposit box is strictly a storage space provided by the Bank.

Would you fall for this?

Financial scams are nothing new, although their proliferation has been made exponentially easier with email. As a financial institution, we’re very concerned about the number of scam letters and emails out there today. Although not our job, we’ve managed to help a number of people avoid being bilked out of thousands of dollars because they intended to participate in the offers. Let’s take a few minutes to share the basics of how most prevalent scams work so you can avoid becoming their next victim.

1. Lottery scam letters. You receive a letter saying you’ve won some large amount of money. This supposed lottery organization (often in Canada) encloses a large check, and instructs you to call to get the verification code. The catch is that before you can cash the check, you must first wire a large sum of money (some percentage of the lottery “prize”) to them to “cover the taxes”. What’s going on? The checks look like legitimate business checks but the drawer name bears no relationship to a lottery organization. These are stolen or counterfeit checks bearing name and account number of a legitimate company, but the checks have been fraudulently produced by criminals. The check is not worth the paper it’s printed on so you’ll get nothing out of it. But, if you comply with their instructions, you will have wired them a large sum of your hard-earned money, only to never see your cash again.
2. Money order/cashier’s check scam. With this scam you actually receive money orders or cashier’s checks in the mail with a letter from a company (often a foreign company) asking you for your assistance. They claim they don’t have a bank account and need your help by cashing either the money orders or cashiers check. They ask you to cash the items and wire them 90% of the money back, keeping 10% for your fee. Anyone who falls for this will find that the money orders or cashier’s checks are fraudulent so, if cashed, they would be charged back against your bank account, and meanwhile you would have wired them a large sum of YOUR money.
3. “Nigerian” scam. You receive a letter or email politely soliciting your help. They request your help in moving large sums of money out of their country. They promise you, for example, a 10% fee for your assistance, but they also request that you send your bank account number and some money to cover the transaction and transfer costs and attorney’s fees. Again, if you send them money you’ll be the big loser as you’ll never hear from them again. Nigerian scams are some of the biggest money scams in the last 10 years. The scam artists send out over 10,000 emails a day and feel good with a 1% response. These are complicated, layered organizations that move on quickly so according to law enforcement, they’re impossible to track down.
4. Jury duty scam. This time you receive a telephone call from someone identifying himself as with the court system. They indicate that you’ve been chosen for jury duty, and they just need to confirm your name, social security number, date of birth and credit card number. If you refuse, they threaten you with fines. Obviously, no one from the judicial system would a) call you by phone to inform you of jury duty, and b) need your credit card information. It’s a hoax. Hang up!
5. “Phishing” scams. Phishing is an Internet scam in the form of an email or pop-up box. The emails and pop-ups link to sites that look like businesses and ask you to provide or confirm personal, financial, or password information. Beware of these lures to get you to reply:
   • Threatening to close your account unless you provide personal information immediately.
   • Claiming to need updated personal information on your account. 1st Security Bank and other legitimate companies will NOT ask for this information via email.
   • Offering a service that can only be provided with your personal information.
6. Additional points to keep in mind:
   • Be wary of clicking on links in email messages.
   • Always type addresses directly into your browser or use personal bookmarks.
   • Don’t email personal or financial information. Email is not a secure method of transmitting personal information.
   • Report suspicious activity to the FTC. If you get spam “phishing” for information, forward it to spam@uce.gov.
   • Always ensure you are using a secure Web site when submitting credit card or other sensitive information via your Web browser. To make sure you’re on a secure Web server, check the beginning of the Web address in your browser’s address bar — it should be “https://” (notice the “s”) rather than just “http://”

In conclusion, you’ve worked hard to earn what you have. Don’t believe offers such as these “effortless income” scams. The thought of easy money might be appealing, but success generally requires hard work. When you receive a solicitation such as this, don’t give it an ounce of thought. And please, NEVER give your bank account number, debit card number or credit card number to someone who calls you. Again, just hang up. You’ll be glad you saved yourself the pain and heartache of losing thousands of dollars to a crook.