Security Tips and Frequently Asked Questions
Customer Security Awareness

Internet scams

Be alert to common internet scams.

Phishing is an internet scam that involves an email which appears to be from a legitimate company, bank, or government agency. The emails typically warn of a potential problem with your account and request that you follow a link and provide personal or account information to update your information. You should NEVER reply to these emails, open any attachments, or follow any of the links provided.

Pharming is a type of fraud that involves redirection from a legitimate site to a site that appears to be legitimate but has been created by fraudsters in an attempt to gain your personal or account information. Always be sure to access our internet banking by typing in the URL, into your browser.


Security Alert 05/28/2021


Romance scams take record dollars in 2020


They say love hurts. With romance scams that’s doubly true – hearts are broken and wallets are emptied. For three years running, people have reported losing more money on romance scams than on any other fraud type identified in Sentinel.1 In 2020, reported losses to romance scams reached a record $304 million, up about 50% from 2019. For an individual, that meant a median dollar loss of $2,500. From 2016 to 2020, reported total dollar losses increased more than fourfold, and the number of reports nearly tripled.2

It is reasonable to wonder: what happened in 2020 to make these dollars losses continue to spike? An obvious reason may be the pandemic limiting our ability to meet in person. But outside the pandemic, the share of people who have ever used an online dating site or app has also been rising.3 And romance scammers are primed to take advantage. Scammers fabricate attractive online profiles to draw people in, often lifting pictures from the web and using made up names. Some go a step further and assume the identities of real people. Once they make online contact, they make up reasons not to meet in person. The pandemic has both made that easier and inspired new twists to their stories, with many people reporting that their so-called suitor claimed to be unable to travel because of the pandemic. Some scammers have reportedly even canceled first date plans due to a supposed positive COVID-19 test.

While many people report losing money on romance scams that start on dating apps, even more say they were targeted on social media.4 These social media users aren’t always looking for love, and report that the scam often starts with an unexpected friend request or message.

Sooner or later, these scammers always ask for money. They might say it’s for a phone card to keep chatting. Or they might claim it’s for a medical emergency, with COVID-19 often sprinkled into their tales of woe. The stories are endless, and can create a sense of urgency that pushes people to send money over and over again.

What many of the largest reported dollar losses have in common is that people believe their new partner has actually sent them a large sum of money. Scammers claim to have sent money for a cooked-up reason, and then have a detailed story about why the money needs to be sent back to them or on to someone else. People think they’re helping someone they care about, but they may actually be laundering stolen funds. In fact, many reported that the money they received and forwarded on turned out to be stolen unemployment benefits.

In 2020, reports of gift cards being used to send money to romance scammers increased by nearly 70%. Gift cards, along with wire transfers, are the most frequently reported payment methods for romance scams.5 People said they mailed the gift cards or gave the card’s PIN number to the scammer. The median amount people sent romance scammers in 2020 using any method of payment was $2,500, more than ten times the median loss across all other fraud types.6

Reports of money lost on romance scams increased for every age group in 2020. People ages 20 to 29 saw the most striking increase, with the number of reports more than doubling since 2019. People ages 40 to 69 were once again the most likely to report losing money to romance scams.7 And people 70 and older reported the highest individual median losses at $9,475.8

So how can you play it safe while looking for love online? Here are some tips to help you steer clear of scammers:

  •  Never send money or gifts to someone you haven’t met in person – even if they send you money first.
  • Talk to someone you trust about this new love interest. It can be easy to miss things that don’t add up. So pay attention if your friends or family are concerned.
  • Take it slowly. Ask questions and look for inconsistent answers.
  • Try a reverse-image search of the profile pictures. If they’re associated with another name or with details that don’t match up, it’s a scam.
  • Learn more at
    Help stop scammers by reporting suspicious profiles or messages to the dating app or social media platform. Then, tell the FTC at

Login ID and Password

Your login ID and password for your online banking should be protected just as you protect other personal confidential information.

  • Do not write down you login ID or password.
  • Do not use the same password for your online banking that you use for other websites.
  • Use a complex password that is not easily guessed. Do not include full names or information that is publicly available on public sites such as Facebook.
  • Do not share your password with anyone.
  • First State Bank of Golva Password Policy is never expire. You may change it by clicking on the “security” button once logged into the site.
  • Avoid storing or saving your password in software or applications.
  • Be certain you are only entering your login credentials on our website,

PC Security

It is important to use and maintain up to date anti-virus software and install updates as they become available for your operating system. Ensure you also regularly patch Java and Adobe products. These items are frequently updated because of vulnerabilities that have been found to exist within the software.

In addition to being protected by using up-to-date antivirus software, you should also regularly use software to remove any potential spyware from your computer. In some circumstances, this can compromise your PC security. Current anti-virus software does not catch 100% of every virus.

Use a firewall. This can protect against potential hackers and prevent access to questionable connections.

Internet Security

Password protect your wireless internet connection. Be vigilant if you use public wireless internet access as hackers and identity thieves have the ability to monitor these types of unsecured networks.

Web Security

By utilizing Digital Certificate Technology, First State Bank of Golva ensures the accuracy and security of any data that is transmitted to us using our secure forms. Digital encryption technology utilizes a long set of codes to scramble and then decode information. A digital key is simply a very special number or group of numbers that is carefully chosen to have certain mathematical properties. Depending on the encryption algorithm being used the key may be a large random number or a set of related numbers. These keys are the basis of online identity verifications. Once information has been scrambled using the public set of codes for First State Bank of Golva, the only place they can ever be decoded is on our Secure Server. This data is not shared with or sold to any other institution or group.

The applications and forms on our site are all using this secured technology. Please note that emails are not secure transmissions so remember never to send account numbers, social security numbers or any other information you would like to keep private to First State Bank of Golva or anyone else in an email messge.

  • What is Internet Banking?

    First State Bank Internet Banking is a convenient way to access your accounts without going to the Bank. Our Internet Banking product is available to you from any computer – 24 hours a day, 7 days a week anywhere internet access is available.

  • What Can I Do With Internet Banking?

    You can access your checking, savings, certificates of deposits, or loans to verify balances, transfer money between accounts at First State Bank of Golva, and export information to the personal financial software – Intuit Quickbooks.

  • How Do The Balances That Are Shown Online Compare To The Bank Computer Balances?

    The balance you see online is the previous day’s balance. A deposit or withdrawal will not appear on your account until the following day.

  • How Much Does Internet Banking Cost?

    The service is free to our customers.

  • Is Internet Banking Private and Secure?

    Yes it is. We have incorporated state-of-the-art security into our Internet Banking to ensure both privacy and security. We require passwords, dates encryption, firewalls and internal security procedures.

  • What is A Firewall?

    Our computer systems are protected by a system of filtering routers and firewalls, which create a protective shield between the outside Internet and the internal network of First State Bank of Golva. We use several layers of technology to ensure that your internet transactions are secure and tamper-proof.

  • What Can I Do To Protect Myself?

    Your Access ID and Password provide one of the most important security features for Internet Banking, because you can select and change your password at anytime and you can prevent unauthorized online access to your accounts.

    Other security tips:

    • Keep your web browser software up-to-date to take advantage of the latest security enhancements
    • Take precautions to keep your computers free from viruses that might be used to capture Password keystrokes or send information from your hard drive.
    • Please be careful where you choose to do your Internet Banking and what you do with your transaction data. DO NOT use coffee shop Internet hook-ups or rented computers.
    • Computers can be configured to capture private information from unsuspecting internet users.
    • If you get an unexpected web page asking you for your debit card, password, or account information, DO NOT disclose this information.
    • DO NOT share diskettes that contain confidential information even if you think you have erased the information.
    • It is a good idea to shred printouts of your account information before discarding them.
  • Can I Access Internet Banking Through My Current Internet Service?

    Yes. The browsers that we require work with most Internet service providers.

  • Who Do I Contact If I Have Problems or Questions?

    You can contact us by calling Beach 701-872-4444, Golva 701-872-3656, or Medora 701-623-5000.

  • How Do I Get Started?

    If you have an account with First State Bank of Golva, you will need to go to our web site at click on Enroll Now, fill out the profile and click Submit Enrollment Form. The Bank will notify you when they receive the enrollment.

  • What Do I Do Once I Receive Notification?

    1. Once you have been contacted, go to and enter your login name, and click first time user.
    2. Next screen will ask for password, just select I am a first time user and Login, you will need to register your computer before proceeding, This is for your security. A numerical code will be sent to you by text, phone call or email. Your options will be based on the information you provided when you set up your profile.
    3. This will be the same process for every new computer you use to check your online banking.
    4. Enter the code and select submit.
    5. The next screen is Online Access Agreement and Disclosure Statement. Choose I Accept.
    6. The following step is to create your online profile. Most of your information should already be defaulted into the fields. The only extra field you might have to fill would be a work number. Then select submit.
    7. Finally you need to set up a password for yourself. It must contain at least one number, one CAPITAL Letter, one small letter and one special character and be at least 8 characters and no more than 15. We will not have any record of what your password will be. So keep it written down. However, we can reset it.

    After submitting your password you should be able to view your accounts.

  • How Do I Change My Password?

    The computer will give you three tries to enter your password. After that it will automatically lock you out. We will receive a notice at the Bank and will contact you to reset your password.

    When we reset your password, it is only temporary and you will then be asked to change it to something that only you know.

    The computer will ask you for your old password. It wants the temporary one you received from us.

    The computer remembers the last 10 passwords you used.

    You should now be able to view your accounts.

  • Can I view my Statements?

    You can view statements once they are processed in Golva.

    Select the statement button on the left side of screen.

    You can choose to have your statements viewable online right away, however, once you choose this option you will no longer receive a paper statement from us unless you make other arrangements with us.