About Muenster State Bank

Muenster State Bank is a locally owned, independent bank with a very strong capital position and a long history of serving the local area. Muenster State Bank was chartered on June 23, 1923 with the help of local businessmen and community leaders who felt a bank was needed to provide financial leadership for the community. The bank has built a reputation as a strong "community bank" by a solid history of community service. The Muenster State Bank and its employees have been and are currently involved in local affairs and are major contributors of time, work and money for many local activities and civic events.

The bank's primary location is in Muenster. Muenster is a small community in North Central Texas, approximately eighty miles north of the Dallas-Fort Worth metroplex. The bank also has a full-service Banking Center in Gainesville which can meet all the needs of any existing or prospective customer.

Muenster State Bank is proud to be part of the communities of Muenster, Gainesville, and the surrounding area, and looks forward to providing friendly personal service for many years to come

MSB Officers & Directors

Officers
Robert G. Weinzapfel	President and CEO
Kevin G. Sebade	Senior Vice President
Christine Beaulieu Weinzapfel	Vice President
John D. Bartush	Vice President
Pamela K. Sidwell	Vice President
Carol A. Simmons	Vice President
Brandon J. Bayer	Assistant Vice President
Cindy Koesler	Banking Officer
Carla Zwinggi	Cashier
Directors
Joseph A. Bright	Delta Airlines Pilot
James T. Dangelmayr	Rancher
Francis R. Fisher	Previous Owner, Fischer's Meat Market
Rudolf J. Hellman	Tony's Seed and Feed
Gerald J. Hess	Owner, Jerry Hess Operating
Marcia Hamer Schmitz	Retired Director of Corporate & Community Development, Northwest ISD
Claude Walter	Retired Pharmacy Owner & Investor
Henry G. Weinzapfel	Retired President of Muenster State Bank
Robert G. Weinzapfel	President & CEO of Muenster State Bank

ID Theft Prevention

Muenster State Bank wants to ensure the online protection of your personal and Account information.

Please note

Muenster State Bank will not ask you to submit personal or Account information via email.

If you ever receive an email appearing to be from Muenster State Bank that asks for personal information such as your Account Number or Social Security Number, do not respond to the email. Please notify us immediately at 940-759-2257.

Responding to E-Mail and Internet-Related Fraudulent Schemes

The number one rule….don't respond! Call or contact Muenster State Bank and let us know of the unusual email.

Texas Consumer Complaint Notice

The Muenster State Bank is chartered under the laws of the State of Texas and by the state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against the Muenster State Bank should contact the Texas Department of Banking.

Muenster State Bank also engages in the business of selling stored value cards as an agent for TIB The Independent BankersBank, which is licensed under the laws of the State of Texas and is subject to regulatory oversight by the Texas Department of Banking. After first contacting TIB The Independent BankersBank, if you still have an unresolved complaint regarding the company's stored value card activity, please direct your complaint to the Texas Department of Banking

Consumers may file complaints with the Texas Department of Banking by contacting the Department through one of the means indicated below.

Texas Department of Banking

2601 North Lamar Boulevard
Suite 300
Austin TX, 78705-4294
Toll Free: (877)276-5554
Fax (512)475-1313

E-mail: consumer.complaints@dob.texas.gov
Website: www.dob.texas.gov

Phishing Alert

Internet scammers casting about for people's financial information have a new way to lure unsuspecting victims: They go "phishing."

Phishing is a high-tech scam that uses spam or pop-up messages to deceive you into disclosing your credit card numbers, bank account information, Social Security number, passwords, or other sensitive information.

According to the Federal Trade Commission (FTC), phishers send an email or pop-up message that claims to be from a business or organization that you deal with – for example, your Internet service provider (ISP), bank, online payment service, or even a government agency. The message usually says that you need to "update" or "validate" your account information. It might threaten some dire consequence if you don't respond. The message directs you to a Web site that looks just like a legitimate organization's site, but it isn't. The purpose of the bogus site? To trick you into divulging your personal information so the operators can steal your identity and run up bills or commit crimes in your name.

The FTC, the nation's consumer protection agency, suggests these tips to help you avoid getting hooked by a phishing scam

If you get an email or pop-up message that asks for personal or financial information, do not reply or click on the link in the message. Legitimate companies don't ask for this information via email. If you are concerned about your account, contact the organization in the email using a telephone number you know to be genuine, or open a new Internet browser session and type in the company's correct Web address. In any case, don't cut and paste the link in the message.

Don't email personal or financial information. Email is not a secure method of transmitting personal information. If you initiate a transaction and want to provide your personal or financial information through an organization's Web site, look for indicators that the site is secure, like a lock icon on the browser's status bar or a URL for a website that begins "https:" (the "s" stands for "secure"). Unfortunately, no indicator is foolproof; some phishers have forged security icons.

Review credit card and bank account statements as soon as you receive them to determine whether there are any unauthorized charges. If your statement is late by more than a couple of days, call your credit card company or bank to confirm your billing address and account balances.

Use anti-virus software and keep it up to date. Some phishing emails contain software that can harm your computer or track your activities on the Internet without your knowledge. Anti-virus software and a firewall can protect you from inadvertently accepting such unwanted files. Anti-virus software scans incoming communications for troublesome files. Look for anti-virus software that recognizes current viruses as well as older ones; that can effectively reverse the damage; and that updates automatically.

A firewall helps make you invisible on the Internet and blocks all communications from unauthorized sources. It's especially important to run a firewall if you have a broadband connection. Finally, your operating system (like Windows or Linux) may offer free software "patches" to close holes in the system that hackers or phishers could exploit.

Be cautious about opening any attachment or downloading any files from emails you receive, regardless of who sent them.

Report suspicious activity to the FTC. If you get spam that is phishing for information, forward it to spam@uce.gov. If you believe you've been scammed, file your complaint at FTC, and then visit the FTC's Identity Theft Web site to learn how to minimize your risk of damage from ID theft and to learn other ways to avoid email scams and deal with deceptive spam.

The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit FTC or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

Corporate Account Takeover & Online Business Banking

Prevention, Detection and Reporting for Business Customers

1. Reconcile all banking transactions on a daily basis.
2. Immediately report any suspicious transactions to the financial institution.
3. Stay in touch with other businesses and industry sources to share information regarding suspected fraud activity.

1. Install a dedicated, actively managed firewall. A firewall limits the potential for unauthorized access to a network and computers.
2. Install commercial anti-virus software on all computer systems.
3. Ensure virus protection and security software are updated regularly.
4. Ensure computers are patched regularly, particularly operating system and key applications, with security patches.
5. Consider installing spyware detection programs.
6. Be suspicious of e-mails purporting to be from a financial institution, government department or other agency requesting account information, account verification or banking access credentials such as usernames, passwords, PIN codes and similar information. If you are not certain of the source, do not click any links.
7. Create strong passwords with at least 10 characters that include a combination of mixed case letters, numbers and special characters.
8. Prohibit the use of “shared” usernames and passwords for online banking systems.
9. Never share username and password information with third-party providers.
10. Limit administrative rights on users’ workstations.
11. Carry out all online banking activities from a stand-alone computer system from which e-mail and Web browsing are not possible.
12. Verify use of a secure session (“https”) in the browser for all online banking.
13. Avoid using an automatic login features that save usernames and passwords for online banking.
14. Never leave a computer unattended while using any online banking or investing service.
15. Never access bank services or information at public computers. Unauthorized software may have been installed to trap account number and sign on information leaving the customer vulnerable to possible fraud.