King City/Union Star Homecoming Parade

The Union Star Branch will be closed on Friday, October 8, 2021 from 11:30am to 3:30pm, for the Homecoming Parade. If you need assistance during this time please call our Trimble Branch at 816-357-2566.


Online Banking Disclosure


This Agreement and Disclosure describes your rights and obligations as a user of First Security Bank’s Online Banking Service(s).  By requesting and using one of the Services, you agree to comply with the terms and conditions of this Agreement. Please read the following information and keep it for future reference.
The words "we", "us", "our", “the Bank” and "First Security" refer to First Security Bank, its parents and subsidiaries, and any agent, independent contractor or assignee First Security Bank may, in its sole discretion, involve in the provision of the Site. The words "you" and "your" refers to visitors and users of the Online Banking Site.A reference to the term "Site" refers to First Security Banks Online Banking Site.
By using First Security Bank’s Online Banking Service, you are entering into a legal agreement with First Security Bank to abide by all the rules and regulations of the Online Banking Agreement entered therein, as may be amended from time to time.
The following definitions apply in this Agreement. Online Banking is the Internet-based service providing access to your First Security Bank account(s); Online Account means any of First Security's accounts from which you will be conducting transactions using a Service, and "Password" is the code you will create, after the Bank has flagged your accounts for Online Banking access that establishes your connection to the Service.
First Security Bank will provide instructions on how to use the Online Banking service. You will gain access to your Online Account(s) through the use of your Internet-enabled device, your Internet Service Provider, your Password, your Login ID and Multi-Factor Authentication.
Each individual who has access to Online Banking, including each individual named on joint accounts, must designate a PASSWORD. Your password must be a minimum of 8 characters, up to a maximum of 15 characters. You may be required to change your password periodically to enhance security.
In addition, the Password protects you against unauthorized users of these services. You agree not to let anyone gain access to the Service or to let anyone know your Password used with the Services. You agree to assume responsibility for all transactions up to the limits allowed by applicable law. Remember, knowledge of your Password by an unauthorized party welcomes the unauthorized use of these services. If you tell anyone your Password and they use these services, First Security Bank will not be held responsible.
If you believe that someone has gained knowledge of your Password; or that someone has transferred or may transfer money from your account without your permission, notify the Bank immediately via the telephone numbers provided in this agreement. Prompt telephoning is the best way to keep possible losses to a minimum. You could lose all the money in your account if you fail to exercise your rights within the limits set forth in this Agreement. WE WILL NOT ACCEPT NOTIFICATION OF LOST OR STOLEN PASSWORDS, UNAUTHORIZED TRANSFERS, STOP PAYMENY REQUESTS, OR CHANGE OF ADDRESS REQUESTS VIA E-MAIL.
If you tell us within two business days of learning of the theft or loss of your Password, you can lose no more than $50.00 if someone uses these services. However, if you fail to notify us within those two (2) business days and the Bank discovers we could have prevented the person from using these services without your permission if you had told us, you could lose as much as $500.00.
Notify the Bank immediately if your monthly statement shows transfers you did not make. If you do not notify us within sixty (60) days after the statement was mailed to you, then the Bank is under no obligation to retrieve or refund any portion of the lost funds.
By using First Security Bank’s Online Banking Service, the user agrees:
1.     Transmission of confidential business and sensitive personal information is at the users (your) own risk.
2.     First Security Bank reserves the right to monitor and review transmissions on-line and to remove or reject any material which First Security Bank (at its sole discretion) believes may be unlawful or objectionable, without prior notice to the user.
3.     Any unauthorized communication of any charge or debit card transaction belonging to any other person or entity is strictly prohibited.
4.     Any unauthorized communication of any information concerning any password or other access code of any other user is strictly prohibited.
5.     To abide by all federal, state, and local laws in place that deal directly or indirectly with accessing or communicating sensitive or personal data that may be obtained via the internet.
If you believe that someone has gained knowledge of your Password; or if you suspect that someone has transferred money from any of your accounts without your permission, call:
Union Star
(816) 593-2291
(816) 357-2566

By using First Security Bank’s Online Banking system, you (the user) agree to indemnify, defend, and hold harmless First Security Bank, its parents, subsidiaries, affiliates and the respective employees, directors, officers, and agents of each, against any and all claims, demands, damages, costs, or expenses (including reasonable attorneys' fees) that arise directly or indirectly from your breach of this agreement or arising out of your use or conduct on the Site.
Some of your rights and obligations under Federal Law are based on actions taken within a specified number of business days. Our business days are Monday through Thursday 8:00 a.m. to 5:00 p.m. Friday 8:00am to 6:00 pm.  Holidays are not included.
In addition to viewing account information, you may use Online Banking to transfer funds among your checking accounts, savings accounts, money market accounts, and loans. You may also generate Stop Payments on checks and request a Change of Address.
You may use your PC to electronically transfer funds between your accounts. Transfers are posted against your balance available for withdrawal, as defined in First Security Bank's Funds Availability Policy. Transfers between your accounts must be scheduled by the normal cut off time of 3 p.m. (CST) on any business day in order for the transaction to be completed on that business day. You may cancel a transfer between your accounts up to 3 p.m. (CST) on the Transaction Date by calling your local branch at (816) 593-2291 (Union Star) or (816) 357-2566 (Trimble).
The Bank shall have no obligation or duty to verify the identity of any person using a valid access code to transfer funds.
The account owner(s) agree(s) to indemnify and hold the Bank harmless against any claims, demands, costs or expenses resulting from or arising out of any unlawful or unauthorized requests for funds transfer or in failing or refusing to make any requested transfers.
The Bank reserves the right to discontinue this service to any or all customers at any time without prior notification.
Accounts requiring two (2) or more signatures will not be allowed to transfer funds to or from their account.
Because regulations require First Security Bank to limit preauthorized transfers (including Online Banking transfers), the following limitations apply:
On Passbook Savings Accounts, you are permitted up to 6 withdrawals or transfers per quarter. If you exceed the 6 allowed withdrawals or transfers, there will be a $1.00 service charge per withdrawal for each additional withdrawal paid. Point of sale transactions are not allowed on this account.
With a Money Market Account you are limited to 6 withdrawals or transfers per statement cycle in any combination. These can be by check or paper draft, preauthorized transfer, automatic transfers or electronic transfer in any combination, as long as you do not exceed 3 checks or paper drafts. Point of sale transactions are not allowed on this account.
There is a charge for this service. Check the bank’s fee notice on our website at for the costs associated with this type of transaction.
The bank must receive the Stop Payment in time to give us a reasonable opportunity to act on it, and before our stop payment cutoff time, if any. (Minimum 24 hours)
Please wait until you verify with the bank the next business day before reissuing a replacement check. Call the bank or check online on the next business day and verify that the check did not clear before the Stop Payment was issued.
If you have any questions or concerns call your local branch at 816-593-2291 or 816-357-2566.
The Bank uses a computer system to check for Stop Payments. If you do not give the bank the exact amount of the check and/or the exact check number, the bank will not identify the proper check and the check will not be stopped.
You and the bank will abide by the rules and regulations (as established by the Uniform Commercial Code or other laws) governing Stop Payment orders.
Stop Payment Orders are effective for 180 days after the date accepted and will automatically expire after that period unless renewed in writing.
First Security Bank will accept no liability for losses or damages resulting from the failure to transfer funds or stop payments. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer or stop payment and we will not be liable for any incidental or consequential damages. First Security Bank will not be held liable for losses of damages resulting from (but are not limited to) any of the following reasons;
1. If through no fault of ours, you do not have enough money in your account to make a transfer;
2. If you are attempting to draw against deposits of checks, drafts, or other non-cash items that have not yet been collected and you have been notified of the delayed availability of these items;
3. If the automated teller machine where you are making the transfer does not have enough cash;
4. If the automated teller machine was not working properly and you knew about the breakdown when you started the transfer;
5. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we may have taken;
6. If the funds in the account have been offset by First Security Bank in payment of a delinquent loan, etc. or if the funds have been attached or otherwise proceeded against as a result of a lawsuit that someone has brought against you or against a joint depositor on your account.
7. If you have not properly followed the scheduling instructions on how to make a transfer included in this Agreement.
8. If we have a reasonable basis for believing that unauthorized use of your Password or account has occurred or may be occurring or if you default under this Agreement, the deposit account agreement, a credit agreement or any other agreement with us, or if we or you terminate this Agreement.
There may be other exceptions stated in this agreement or in other agreements with First Security Bank.
It is your sole responsibility to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, address, phone numbers and email addresses. Changes can be made either within the application or by contacting your local branch at (816) 593-2291 or (816) 357-2566.
All transfers and/or fees made with First Security Bank’s Online Banking system will appear on your statement at each statement cycle for each account.

You are solely responsible for the equipment you use to access the Online Banking (including, your personal computer and any software you may need to access the Internet). First Security Bank is not responsible for errors or delays or your inability to access the Service caused by your equipment. We are not responsible for the cost of upgrading your equipment to stay current with the Service, nor are we responsible, under any circumstances, for any damage to your equipment or the data resident thereon.
By signing this agreement, you understand and agree that information transmitted and received through the internet is subject to unauthorized interception, diversion, corruption, loss, access, and disclosure. First Security Bank shall not be held responsible for any adverse consequences whatsoever of your connection to or use of the Internet, and shall not be responsible for any use by you of an Internet connection in violation of any law, rule or regulation or any violation of the intellectual property rights of another.
If you send First Security Bank an electronic mail message, First Security Bank will be deemed to have received it on the following business day. First Security Bank will have a reasonable time to act on your e-mail.
You should not rely on electronic mail if you need to communicate with First Security Bank immediately. WE WILL NOT ACCEPT NOTIFICATION OF LOST OR STOLEN PASSWORDS, UNAUTHORIZED TRANSFERS, STOP PAYMENT REQUESTS, OR CHANGE OF ADDRESS VIA E-MAIL.
You agree that First Security Bank may respond to you by electronic mail with regard to any matter related to the Service, including responding to any claim of unauthorized electronic funds transfer that you make. Any such electronic mail sent to you by First Security Bank shall be considered received within three (3) days of the date sent by First Security Bank, regardless of whether or not you sign on to the Service within that time frame.
In addition to this Agreement, you agree to be bound by and comply with the requirements of the agreements applicable to each of your Online Accounts. Your use of the Online Banking service is your acknowledgment that you have received, read, and understand these agreements and intend to be bound by them. These agreements include, but are not limited to; charges that may be imposed for electronic funds transfers and/or stop payments, the right to make transfers and or/stop payments listed in the fee schedules accompanying those disclosures, and the fee schedule which can be found on the bank’s website at
The services are 24 hours a day, seven days a week, except during special maintenance periods. For purposes of transactions, First Security Bank's business days are Monday through Friday. Holidays are not included. All Online Banking transaction requests received after 3:00 p.m. on a business day and all transactions requested on Saturdays, Sundays, or holidays, will be processed on the next business day.
First Security Bank may modify the terms and conditions applicable to either Service at any time upon mailing or delivering a notice on the modifications to you at the address shown on our account records and the revised terms and conditions shall be effective at the earliest date allowed by applicable law. We may send any notice to you via electronic mail and you will have deemed to have received it three days after it is sent. We reserve the right to terminate this Agreement and your use of the Services in whole or in part at any time without prior notice.
We will disclose information to third parties about your account or the transfers you make:
1. Where it is necessary for completing transfers.
2. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant.
3. In order to comply with a government agency or court orders.
4. If you give us your written permission.

You are responsible for complying with all the terms of this Agreement and with the terms of the agreement governing the deposit and loan accounts which you access using electronic banking services. The Bank reserves the right to terminate your electronic banking privileges under this Agreement at any time without prior notice.
We may convert your account to inactive status if you do not sign on to the Service nor have any transactions scheduled through the Service during any consecutive 180 day period. If your account is considered inactive, you will be required to reregister in order to activate your Online Banking Site.
To cancel the Online Banking, you must notify First Security Bank and provide your name; address; and the effective date to stop the service. You may notify First Security Bank as follows:
First Security Bank
P.O. Box 80
Union Star, Mo 64494
(816) 593-2291
First Security Bank
P.O. Box 190
Trimble, MO 64492
(816) 357-2566

First Security Bank's fees apply to all transactions including Online Banking. For a list of fees, visit our website at or call your local branch.
If you think your statement or receipt is wrong or if you need more information about a transfer listed on your statement or receipt, notify the Bank immediately. You must notify us no later than sixty (60) days after we send the FIRST statement on which the problem or error has appeared.  You will be required to furnish us with the following information:
1. Your name and account number;
2. Describe the error or transfer you are unsure about, and explain why you believe there is an error or why you need more information:
3. Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.
Contact us at:
First Security Bank
P.O. Box 80
Union Star, Mo 64494
(816) 593-2291
First Security Bank
P.O. Box 190
Trimble, MO 64492
(816) 357-2566
We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we will not credit your account.
We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. At that time, any funds that were credited to your account in error will be removed. You may ask for copies of the documents that we used in our investigation.
By using First Security Bank’s Online Banking Service, you are agreeing to all the stipulations listed above.