Terms of Use
THESE TERMS GOVERN THE USE OF THIS WEBSITE. PLEASE READ THEM CAREFULLY BEFORE ACCESSING THE SITE. IF YOU DO NOT AGREE WITH THESE TERMS, DO NOT ACCESS THE WEBSITE. BY ACCESSING THE WEBSITE OR ANY OF ITS PAGES, YOU AGREE TO BE BOUND BY THESE TERMS OF USE.
This website has been established by the Bank for the sole purpose of conveying information about the Bank’s products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the bank’s agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the bank’s agreements and disclosures, the agreements and disclosures will control.
From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.
The information and materials contained in this website are owned by the Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.
The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.
This agreement may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time.
This agreement and the use of this website are governed by the laws of the State of Nebraska.
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Privacy Policy
Stockmens Bank respects our customers’ right to privacy and takes every precaution to provide you with the level of privacy you would expect. We will maintain standards to ensure their information is private and secure at all times. We have no intentions of selling it to third parties.
The collection of personal information is designed to assist the bank in providing our customers with the products and services they want and need. All personal information that is collected and stored by the bank is used for specific business purposes – to protect and administer our customer’s personal accounts and transactions, to comply with state and federal banking regulations, and to help the bank better understand their financial needs in order to design or improve our products and services.
Nonpublic personal information is information about you that we obtain in connection with providing a financial product to you. This is information that cannot be obtained from a public source, such as a telephone book. We do not disclose any nonpublic information about our customers except as permitted by law.
Stockmens Bank will maintain appropriate security standards and procedures regarding unauthorized access to customer information. This will be done through the use of PIN numbers, passwords, multi-level authentication, shredding of documents containing confidential customer information before disposing and physical security systems.
We appreciate the trust that you have placed in us, and work hard to safeguard that trust.
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USA Patriot Act
Important Information About Procedures For Opening A New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.
What this means for you:
When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We will also ask to see your driver’s license, proof of social security number, proof of mailing and physical address, and will need to know your telephone number.
We apologize for any inconvenience this may cause; however, Federal law prohibits us from waiving these requirements.
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Funds Availability Disclosure
YOUR ABILITY TO WITHDRAW FUNDS:
Our policy is to make funds from your cash and check deposits available to you on the first business day after we
receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are
available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.
For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays and
Federal Holidays. If you make a deposit before 3:00 p.m. on the business day that we are open, we will consider that
day to be the day of your deposit. However, if you make a deposit after 3:00 p.m. or on a day we are not open, we will
consider that the deposit was made on the next business day we are open.
LONGER DELAYS MAY APPLY:
In some cases, we will not make all of the funds that you deposit by check available to you on the first business day
after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the
fifth business day after the day of your deposit. However, the first $200.00 of your deposit will be available on the first
business day.
If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at
the time you make your deposit. We will also inform you when the funds will be available. If your deposit is not made
directly to one of our employees, or if we decide to take action after you have left the premise, we will mail you the
notice by the day after we receive your deposit.
If you need the funds from a deposit right away, you should ask us when the funds will be available.
In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:
a. We believe a check you deposit will not be paid.
b. You deposit checks totaling more than $5,000.00 on any one day
c. You redeposit a check that have been returned unpaid.
d. You have overdrawn your account repeatedly in the last six months.
e. There is an emergency, such as failure of computer or communications equipment.
We will notify you if we decide your ability to withdraw funds for any of these reasons, and we will tell you when the
funds will be available. They will generally be available no later than the 5th business day after the day of your
deposit.
SPECIAL RULES FOR NEW ACCOUNTS:
If you are a new customer, the following special rules will apply during the first 30 days your account is open.
Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from
your deposits of cash, wire transfers, and the first $5,000.00 of a day's total deposits of Cashier, Certified, Teller's,
Traveler's, and Federal, State and local government checks will be available on the first business day after the day of
your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may
have to use a special deposit slip). The excess over $5,000.00 will be available on the 9th business day after the day
of your deposit. If your deposit of these checks (other than a U.S. Treasury Check) is not made in person to one of
our employees, the first $5,000.00 will not be available until the 2nd business day after the day of your deposit.
Funds from all other check deposits will be available on the 5th business day after the day of your deposit.
Rev 07/11
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