Please take a moment to review our Internet Application Usage Disclosures and Security Policy and our Privacy Policy below, which govern the use of this page to apply for credit with United Midwest Savings Bank, N.A. Please note that only US residents 18 years or older may apply for credit online. This credit application process and the disclosures herein are owned and maintained by United Midwest Savings Bank, N.A.. 

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of Race, Color, Religion, National Origin, Sex, marital status, or Age provided the applicant has the capacity to contract; because all or part of the applicants income derives from any public assistance program; or because the applicant has in good faith exercised any right under the consumer credit protection act. The Federal agency which administers compliance with this law concerning this institution is the Office of the Comptroller of the Currency, 400 7th Street SW, Suite 3E- 218, Washington, D.C. 20219.

Our web application process brings together a combination of industry- approved security technologies to protect data for the bank and for you, our customer. It features a VeriSign-issued Digital ID for the bank’s Internet Service Provider hosting our website, Secure Sockets Layer (SSL) protocol for data encryption, and a router and firewall to regulate the inflow and outflow of server traffic.

Once a server session is established on an https secure page, the user and the server are in secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair.  In short, the bank’s server issues a public key to the end user’s browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Secure forms must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank. 

Using the above technologies, your Internet loan application and check reorder transactions are secure.