First Missouri State Bank

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First Missouri State Bank is a locally chartered, family-owned bank committed to providing the highest quality banking products and personal service to each individual and business that we serve. We do banking the old fashion way while also incorporating modern technology. We believe that a bank with a management team and associates committed to the community can better serve our customers. We are a full service banking institution offering products tailored to meet the specific needs of Cape County and the surrounding areas. We offer consumer, commercial, construction, and mortgage loans as well as a variety of traditional depository accounts. First Missouri State Bank has locations in Cape Girardeau and Jackson.

The FDICs temporary Transaction Account Guarantee (TAG) Program provides depositors with unlimited coverage for noninterest-bearing transaction accounts at participating FDIC-insured institutions. Noninterest-bearing checking accounts include Demand Deposit Accounts (DDAs) and any transaction account that has unlimited withdrawals and that cannot earn interest. Also included are IOLTA accounts (regardless of the interest rate) and NOW accounts that do not earn more than 0.25% interest. This unlimited protection is only available at insured depository institutions that continue to participate in the TAG Program. The program is temporary and will remain in effect through December 31, 2010, unless extended by the FDIC.

Beginning December 31, 2010 through December 31, 2012, deposits held in noninterest-bearing transaction accounts will be fully insured, regardless of the amount in the account, at all FDIC-insured institutions.

Beginning March 19, 2007 you will be prompted to enroll in Multi-Factor Authentication (MFA) when you log-in to Online Banking. MFA is another step to ensure the online safety of our customers and to help prevent fraud and identity theft. MFA is an image that will appear each time after entering your Access ID and before you enter your Password to let you know that you are on a safe and secure website. Once you enroll you will not have to complete the application each time.
These are the steps that you will take to enroll in Multi Factor Authentication:

Enter your normal Password and hit submit.
An image will automatically be selected for you. (You will be able to change the image after you have enrolled by choosing the Options tab in Online Banking.)
Enter an Authentication Pass Phrase (This can be any phrase that will appear each time you log-in to Online Banking.)
Choose three Challenge Questions and Answer them.

Going forward if your MFA image does not appear or is incorrect when you log-in to Online Banking DO NOT enter your password. For more information call us in Cape at (573) 334-9000 or in Jackson at (573) 243-9000.