Privacy & Disclosure

Privacy Policy

Why?Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and Payment history
  • Income and Transaction history
  • Account balances and Transaction or loss history
When you are no longer our customer, we continue to share your information as described in this notice.
How?All financial companies need to share customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information; the reasons State Bank of Cold Spring chooses to share; and whether you can limit this sharing.
Reasons we can share your personal informationDoes State Bank of Cold Spring share?Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureausYesNo
For our marketing purposes— to offer our products and services to youNoWe don’t share
For joint marketing with other financial companiesNoWe don’t share
For our affiliates’ everyday business purposes— information about your transactions and experiencesNoWe don’t share
For our affiliates’ everyday business purposes— information about your creditworthinessNoWe don’t share
For nonaffiliates to market to youNoWe don’t share
Questions? Call 320-685-8655
Who We Are
Who is providing this notice?State Bank of Cold Spring
What We Do
How does State Bank of Cold Spring protect my personal information?To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to necessary employees.
How does State Bank of Cold Spring collect my personal information?We collect your personal information, for example, when you
  • Open an account or Make a wire transfer
  • Apply for a loan or Show your driver’s license
  • Pay us by check
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?Federal law gives you the right to limit only
  • sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
AffiliatesCompanies related by common ownership or control. They can be financial and nonfinancial companies.
  • State Bank of Cold Spring does not share with our affiliates.
NonaffiliatesCompanies not related by common ownership or control. They can be financial and nonfinancial companies.
  • State Bank of Cold Spring does not share with nonaffiliates so they can market to you.
Joint marketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • State Bank of Cold Spring does not jointly market.
Other important information

Website Terms and Conditions


State Bank of Cold Spring requires that all persons visiting its website on the internet adhere to the following terms and conditions. By using this site, you agree to abide by these terms and conditions. From time-to-time State Bank of Cold Spring may revise these terms and conditions.

State Bank of Cold Spring maintains this website to provide you with information about its products and services and to facilitate communication with you. Product offers, rates, terms, and other information provided on the website are subject to change without notice. State Bank of Cold Spring reserves the right to change, update, and or remove portions of these terms and conditions at any time.

The information, materials, products and services on this website are subject to change. Your eligibility for products or services is subject to determination by and approval of State Bank of Cold Spring. No solicitation is made by State Bank of Cold Spring to any person to use any information, materials, products or services in any jurisdiction where the provision of such information, materials, products or services is prohibited by law.

From time to time State Bank of Cold Spring may place links to other websites on this page. State Bank of Cold Spring has no control over any other website and is not responsible for the content on any website other than this one. Users assume all responsibility when they go to other sites via the links on this website.

The information and materials contained in this website are owned by State Bank of Cold Spring or by others, as applicable and is protected by U.S. and international copyright law. The trademarks, logos, and service marks displayed on this website are the property of the bank and other parties. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except by applicable law.

The information contained or accessed, and references to corporations, including their services and products, are provided “as is” without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, or error-free or uninterrupted service.

Descriptions of, or references to, products, services, or publications within State Bank of Cold Spring’s website does not imply endorsement of that product, service, or publication.  State Bank of Cold Spring makes no warranty of any kind with respect to the subject matter included herein, the products listed herein, or the completeness or accuracy of the information. State Bank of Cold Spring specifically disclaims all warranties express, implied or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose.

This publication could include technical inaccuracies or typographical errors. This agreement may change from time to time by posting the new Terms and Conditions on the website. All users are to be subject to this agreement as it changes.

This agreement and the use of this website are governed by the laws of the State of Minnesota.

Mobile Banking Privacy Policy

State Bank of Cold Spring is committed to safeguarding your privacy and the security of your personal information. This Privacy Policy outlines how we collect, use, and disclose your data when you use our mobile banking app through Google Play. By using our app, you consent to the practices described in this policy.  

Camera and Images – The SBCS Mobile Banking app may request access to your device’s camera and images. Access to your camera and images allows us to offer you a personalized banking experience by allowing you to capture images of checks for deposit, documents, and other relevant information to assist us in managing your financial documents.

Location Information – If you use our mobile banking application on your mobile device, we may collect and process information about your actual location. We use this opt-in data to provide messaging, even when the app is not open on our screen, to tailor our products and services for you, and to occasionally offer you promotions of interest. You can enable or disable access to this information at any time, through your device settings.

You have the right to grant or revoke access to your camera, images, and location information at any time through your device’s settings.  Please keep in mind that revoking access to these features may limit the functionality of our app.

To request app account deletion and associated data deletion for the SBCS Mobile Banking App please contact us at (320)685-8655.  State Bank of Cold Spring’s third-party service provider archives user data deleted from the system to facilitate account recovery. The archived user data includes information that links the user to their bank account(s) and their personalized settings.  They will retain this archived data indefinitely for the duration of our business relationship with them, after which time it is permanently deleted.

We may update this Privacy Policy to reflect changes to our practices or applicable laws. Updates will be posted to our website and within our app. Please review this policy periodically to stay up to date on how we handle your data.

By using our app, you acknowledge and agree to the terms outlined in this Privacy Policy.  

Fraud Awareness

State Bank of Cold Spring will never send you an email, call or text asking to verify, update or confirm your bank account information. If you do receive such a request, do not respond. Please contact us immediately at (320)685-8655.

  • Do NOT give out your personal or account information.
  • Do NOT use the save password option on your computer.
  • Set strong passwords and change them often.
  • Do NOT use a Username and Password that is obvious. Avoid the use of any part of your name, birthdays, children's names, etc.
  • Set up account alerts via text or email via Online Banking.
  • Email is not a secure communication device. Do not send personal information such as account numbers, Social Security Number, or passwords by email.
  • Review your account information often and report anything unusual.
  • Keep your computers and mobile devices up to date. Having the latest security software, web browser, and operating system are the best defenses against on line threats.
  • Do not click on links or open any attachments or pop-up screens from sources you are not familiar with.
  • Block unwanted calls and text messages.
  • Offers or opportunities that are too good to be true.
  • Unsolicited remote access requests from unknown individuals or companies to your computer or devices.
  • Sudden or unusual account activity.
  • Phishing scams - they use fraudulent emails and websites to trick users into disclosing private account or login information.
  • Scammers pretend to be from an organization you know.
  • Scammers pressure you to act immediately.
  • Scammers tell you to pay in a specific way.

Contact us immediately if you notice any unusual transactions. Should you notice any suspicious transactions with your debit card after hours, please call 1-800-383-8000 to cancel your card.
Resources to learn more about fraud and scams: