Added protection for your peace of mind.
Our customer Trusted Contact Program gives you the option to name one or two trusted adults we may contact in limited situations if we are unable to reach you or have concerns about your financial well-being.
A Trusted Contact can help us reconnect with you or confirm your well-being, but they do not have access to your account, cannot make transactions, and cannot make decisions on your behalf.
This voluntary program provides an added layer of protection against fraud, scams, or financial exploitation while helping ensure we can reach someone you trust when it matters most.
Enroll today by visiting any branch or contacting us by phone.
Frequently Asked Questions
Learn more about our customer Trusted Contact Program.
What is the Trusted Contact Program?
The Trusted Contact Program is a voluntary service that allows you to designate a trusted person(s) that we can reach out to in certain situations. This program is designed to help protect you and your accounts, especially during emergencies or if we suspect fraud or financial exploitation.
When might the Bank contact my Trusted Contact?
We may reach out to your trusted contact if we are presented with an urgent matter or emergency involving your account(s) and we are unable to connect with you, if we suspect fraudulent activity or financial exploitation targeting you, or if we simply need help reconnecting with you.
Your Trusted Contact cannot access your account(s), make transactions, view balances, receive account details irrelevant to the situation at hand, or make decisions on your behalf.
Does a person have to know that they have been designated as a Trusted Contact?
The bank will not communicate with a Trusted Contact until a specific need arises. We recommend you inform anyone you have designated as Trusted Contact so that they will know why we may reach out to them.
How do I add, update, or remove a Trusted Contact?
You can add, update, or remove a Trusted Contact at any time by visiting any branch or contacting us by phone. To enroll, request and complete a Trusted Contact Enrollment Form. You may designate up to two Trusted Contacts.
Is this the same as a Power of Attorney or joint account holder?
No. A Trusted Contact does not have authority to manage your account or make decisions on your behalf. They are simply a point of contact for the Bank in specific situations.
What are the limitations of the Trust Contact Program?
We cannot guarantee that contacting your Trusted Contact will prevent fraud or exploitation. We are also
not liable for the actions of the Trusted Contact, nor for implementation or non-implementation of the
program and we reserve the right to decline to contact the Trusted Contact if doing so would violate
customer privacy preferences or regulatory obligations.
not liable for the actions of the Trusted Contact, nor for implementation or non-implementation of the
program and we reserve the right to decline to contact the Trusted Contact if doing so would violate
customer privacy preferences or regulatory obligations.
What is the legal basis for this program?
The Trusted Contact Program is authorized under Missouri statute §362.424, RSMo (effective August 28,
2025). This law allows banks to offer customers the option to designate one or more adult Trusted
Contacts. It also provides:
2025). This law allows banks to offer customers the option to designate one or more adult Trusted
Contacts. It also provides:
- Immunity from civil liability for banks and Trusted Contacts acting in good faith
- Permission for banks to report suspected fraud or exploitation to law enforcement or protective
Where can I learn more?
Explore helpful resources from trusted organizations like the Consumer Financial Protection Bureau (CFPB) to better understand why adding a Trusted Contact is a smart choice. You can reach out to the CFPB by visiting the following website: www.consumerfinance.gov/ask-cfpb.
If you have questions or need assistance, our team is here to help—just ask us for more details or an enrollment form.
The Trusted Contact Program is a simple, secure way to help protect your financial well-being. It does not give anyone control over your account—it just ensures we have someone to reach out to if needed. Backed by Missouri law, this program offers peace of mind and added protection.