FAQs

Any bank employee can give you the rates over the phone. If you would like to receive the rates by email each time they change, call one of our Real Estate Loan Officers and they will make sure we have your current e-mail address.

For housing assistance or guidance, including concerns about making house payments, please contact our mortgage department at 218-751-1510. Additionally, there are various agencies available to offer assistance or advice in any housing-related situation. Here are some helpful links.

• https://hud4.my.site.com/housingcounseling/s/?language=en_US
• https://myhome.freddiemac.com/resources/working-with-freddie-mac-borrower-help-centers#midwest
• https://www.bicap.org/
• https://hrdc.org/hrdc-housing-services-2/

In the technological world today, Security Bank ^USA would like to stress the importance of being safe with your critical and confidential information.

In order to help facilitate this process, Security Bank ^USA has a few recommendations.  These are only recommendations and your network administrator or a computer specialist should be consulted on all information listed below.

Whether your computer is a stand-alone machine or you are on a network, ensure that your system is sufficiently protected with a minimum of:

• Firewall
• Up-to-date and monitored
• Patch Management
• Regular installation / monitoring of current patches for your software / hardware
• Anti Virus Software
• Malware Software
• Intrusion Prevention Systems

For additional information on security CLICK HERE.

For our 2024 Holiday Schedule CLICK HERE.

Please contact our bookkeeping department when you will be using your debit card outside the USA. You can use your debit card throughout the US. However, there are six states that you can use your debit card only on PIN based transactions. Those states are Washington, California, Texas, Michigan, Florida and New Jersey. When using your card at an ATM, look for the Instant Cash sign and you will not be charged from us.

If using your debit card out of the country, you can use your debit card on only PIN based transaction. We recommend using your debit card for ATM transactions only when you are out of the USA. To find ATMs that are surcharge free: www.instant-cash.com. 

Once you have tried your PIN incorrectly three times, it automatically locks your card. You would need to contact our bookkeeping department (218-444-1575) to have your PIN unlocked or reset.

If you can’t remember what your passcode is, click on the link “Forgot Your Passcode” below the passcode and login box. You will be prompted to enter your Access ID, Tax ID or Social Security Number and the account number of one of your online accounts. 

We want to keep your information as secure as possible. For identity theft reasons, our policy is to not give out personal account information over the phone. We do have two ways for you to get this information. You can call our telebanking line at 218-751-0068 or you can sign up for online banking and access your information from your computer.

The only way for you to find out what checks made up a deposit, is for you to talk to a bank representative in person.

Here is some advice on how to safely use mobile banking so you can be protected while managing your finances.

1. Invest in an antivirus application for your mobile device to help protect you when downloading apps or mobile content.
2. Never provide personal identification or banking information over your mobile device unless you initiate the contact and you know that you’re dealing directly with your bank.
3. Never share your password, account number, PIN and answers to secret questions. Don't save this information anywhere on your phone.
4. Never set the app, web or client-text service to automatically log you in to your bank account. If your phone is lost or stolen, someone will have free access to your money.
5. Set the phone to require a password to power on the handset or awake it from sleep mode.
6. Remember, your bank would never contact or text message you asking for personal or banking information. Assume any unsolicited text request is fraudulent. Giving this information places your finances and privacy at risk.
7. Immediately tell your mobile operator and your bank if you lose your phone.

For more information, contact your personal banker.