Legal Disclaimer:

We place the highest value on the information you share with us, and we are committed to protecting your privacy. As one way to demonstrate this commitment, we have compiled helpful information to enable you to protect your personal privacy and financial security. In addition, should you encounter fraud or identify theft, we have also included guidance on how to notify us, as well as other creditors where applicable.

We take commercially reasonable measures to protect the security of information electronically transmitted to us through the use of customer service information forms integrated into our Website. However, we advise you to exercise caution when sending us e-mail through the Internet as such transmissions may not be secure. For example, e-mail may be intercepted by a third party or may not be immediately received by the designated person or department. Please do not use e-mail to send us confidential or privileged information (such as account numbers or financial information), information that may need our immediate attention, or information we have required you to send us in a signed writing or by other express means. We will not be liable to you for any losses or damages incurred as a result of the interception or unauthorized use by any third party of any information transmitted by you via insecure e-mail or as a result of your use of e-mail for the transmission of, or our failure to respond to e-mail that includes, information that we have required you submit through another express means or medium.


Personal Banking

The body of state and federal law that governs our relationship with you, however, is too large and complex to be reproduced here. The purpose of this document is to:

  1. establish rules to cover transactions or events which the law does not regulate;
  2. establish rules for certain transactions or events which the law regulates but permits variation by agreement; and
  3. give you disclosures of some of our policies to which you may be entitled or in which you may be interested.


Ownership of Site Agreement to Terms of Use

You are responsible for obtaining and maintaining all telephone equipment and services, internet connection services, computer hardware and software, and other equipment necessary for you to access and use the Website. We are not responsible or liable to you for any errors or failures resulting from defects in or malfunction of your computer or related equipment or services, nor are we responsible or liable to you for any computer virus or related problems that may be associated with the use of an online system.


Minimum Account Identification Requirements

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 or other identifying documents.


Enhanced Security for Online Banking

To authorize our customers’ access to online banking, we use password verification and enhanced security. Enhanced security utilizes a “cookie”, which is a small text file stored on your computer. This “cookie” is unique, and when used in combination with your login information, creates a unique way to identify you to the system.

This “cookie” is only used to validate your identity. This “cookie” does not contain any personal information, and will not be used to share any information about you with a third party.