Privacy & Security

Lost or Stolen Cards

To report a lost or stolen debit card, call 1-800-472-3272. For additional assistance please contact a MidSouth Bank customer service representative at your local bank office. Or by calling 1-888-440-7774 during normal business hours.

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Privacy Policy


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.

Definitions

Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies. MidSouth Bank does not share with our affiliates.

Nonaffiliates: Companies not related by common ownership or control. They can be financial and non-financial companies. MidSouth Bank does not share with nonaffiliates so they can market to you.

Joint Marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include credit card and insurance companies.

What Information We Collect & Share

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
  • Account balances
  • Payment history
  • Credit history
  • Checking account information
  • Wire transfer instructions

When you are no longer our customer, we continue to share your information as described in this notice.

How we are able to Collect & Share Information

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons MidSouth Bank chooses to share; and whether you can limit this sharing.

What does MidSouth Bank do with your personal information?

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.

Reasons We Can Share Your Personal Information

Reasons We Can Share Does MidSouth Bank 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 bureaus.
Yes No
For our marketing purposes…
to offer our products and services to you
No We Don’t Share
For joint marketing with other financial companies
Yes No
For our affiliates’ everyday business purposes…
information about your transactions and experiences
No We Don’t Share
For our affiliates’ everyday business purposes…
information about your creditworthiness
No We Don’t Share
For our affiliates to market to you No We Don’t Share
For our nonaffiliates to market you No We Don’t Share

Privacy Policy FAQ


How does MidSouth Bank 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 information to those employees for whom access is appropriate.

How does MidSouth Bank collect my personal information?

We collect your personal information, for example, when you:

  • Open an account
  • Apply for a loan
  • Make deposits or withdrawals from your account
  • Give us your contact information
  • Make a wire transfer
  • 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 law and individual companies may give you additional rights to limit sharing.

Security


Cybersecurity

As the scale and sophistication of electronic banking cyber‐attacks increase, we must continue to educate and arm ourselves with the tools to minimize the possibility of fraudulent activities. We ask that you and your family, or your business, familiarize yourself with such threats and proactively implement measures to protect against these types of threats by:

  • Keeping your browser and operating system up-to-date, new versions and updates often include security enhancements and can be downloaded, usually for free.
  • Keeping your anti-virus and anti-malware software up-to-date, anti-virus and anti-malware software needs frequent updates to protect against new viruses and other malicious software.
  • Using a firewall, many internet service providers offer this type of service, firewalls protect you by controlling the incoming and outgoing traffic based on defined security rules managed by your service provider.

Safeguard Your Personal Information

MidSouth Bank will never solicit personal information such as account numbers, social security numbers, passwords or other forms of non-public information by phone, email or text.

Social engineering is a fraudulent attempt to trick you into disclosing personal information such as account numbers, social security numbers, passwords or other forms of non-public information by phone, email or text.

  • Do not give non-public information to someone over the phone, unless you initiated the call.
  • Always use caution when reading your emails even if you “know” who the email is from. Email Phishing is a technique used to infect your PC with malicious software or to gain information for purposes of identity theft using fraudulent email messages that appear to come from legitimate businesses or persons known by the recipient.  Phishing emails will almost always ask you to click a link or open an attachment that will download malicious software on your PC or take you to a site where your personal information is requested.
  • Check your credit report regularly, look of activities you did not initiate such as applying for new credit.
  • Always review your account statements, look for transactions you don’t recognize.
  • Shred financial documents and paperwork that contain personal information before you discard them.

Monitor Your Accounts

One of the best ways to protect yourself from fraud and identity theft is by regularly reviewing your account activity and monthly account statements.  If you discover suspicious or unusual activity on your accounts or suspect fraud, you need to contact us immediately.

The easiest way to monitor your account activity is with MidSouth Bank eAlerts, automated email alerts about your account balances and transactions.  You can set up real-time alerts to notify you of large purchases, low balances, or a daily listing of transactions that posted to your account.

Managing Your Passwords

One of the basic lines of defense is you, or more specifically your passwords.  It is important to select complex passwords to protect you and your information assets.  We recommend that you consider the following tips when setting up your passwords:

  • Make Passwords Impersonal
    Avoid using names and dates such as birthdays, wedding anniversaries, spouse names, kids’ names, grandkids’ names, pet names, etc. These are some of the most popular and overused passwords today, making it easy for hackers to figure out.
  • Mix Letters, Numbers, Symbols and Case in Your Passwords
    Mixing letters, numbers, symbols and lower-case and upper-case letters adds another layer of complexity to your password and strengthens your password.
  • The Longer the Password the Better
    Passwords should contain as many characters as possible.  The length of a password is a major key to its complexity.  With each additional character added to a password, the likelihood of the password being compromised is decreased by an increasing percentage.
  • Use a Formula to Help Create Your Password
    User formulas to help create your passwords, but be sure the formula isn’t easily identifiable.  For example, “MarkJaneLucyBob” has a lot of characters but anyone who sees this knows you are most likely using your family names as your password.  Something like “Ma*Ja*Lu*Bo!” is much more secure and not too difficult to remember.
  • Never Reuse Your Passwords
    Although it is tempting to use the same password for multiple websites, it is not a good idea.  If your password is compromised in one place, then you are vulnerable in multiple places.  Use a unique password for each website you log on to.
  • Change Your Password on a Regular Basis
    This becomes important if you are not using the above tips related to password strength and complexity.  A complicated, lengthy password that is not reused on other websites might be acceptable to use for an extended period of time.  Conversely, a short, simple password including that is reused on multiple websites should be changed much more regularly.
  • Protect Your Password
    Never give someone your userID or password.  Never give someone your password based on email or phone call.