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 Texas

FACTSWHAT DOES WELLINGTON STATE BANK DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and transaction history
  • account balances and payment history
  • checking account information
  • credit history and credit scores
When you are no longer our customer, we continue to share your information as described in this notice.
How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Wellington State Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal informationDoes Wellington State Bank share?Can you limit this sharing?
For our everyday business purposes-
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes No
For our marketing purposes-
to offer our products and services to you
No We don't share
For joint marketing with other financial companies No We don't share
For our affiliates' everyday business purposes-
information about your transactions and experiences
No We don't share
For our affiliates' everyday business purposes-
information about your creditworthiness
No We don't share
For our affiliates to market to you No We don't share
For nonaffiliates to market to you No We don't share
What We Do

no

How does Wellington State Bank protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Wellington State Bank collect my personal information? We collect your personal information, for example, when you
  • open an account or deposit money
  • make a wire transfer or apply for a loan
  • give us your contact information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies
Why can't I limit all sharing? Federal law gives you the right to limit only
  • sharing for affiliates' everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. consumer.complaints@dob.texas.gov or www.dob.texas.gov
Definitions

no

Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

Wellington State Bank does not share with our affiliates
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Wellington State Bank does not share with nonaffiliates so they can market to you.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Wellington State Bank doesn't jointly market.
Other important information
The Wellington State Bank is licensed under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against the Wellington State Bank should contact the Texas Department of Banking through one of the means indicated below:

In Person or U.S. Mail:
2601 North Lamar Boulevard, Suite 300
Austin, Texas 78705-4294
Telephone No.: 877/276-5554
Fax No.: 512/475-1288
E-mail: Website: www.DOB.Texas.Gov

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 the day 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 PM on a 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 pm 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
We will notify you if we delay your ability to withdraw funds for any reason, and we will tell you when the funds will be available. They will generally be available no later than the 2nd business day after the day of your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING OR CHANGING AN ACCOUNT WITH YOUR FINANCIAL INSTITUTION

Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities.

What this means to you: when you open an account or change an existing account, we will ask each person for their name, physical address, mailing address, date of birth, and other information that will allow us to identify them. We will ask to see each person’s driver’s license and other identifying documents and copy or record information from each of them.

How We Protect You

Wellington State Bank’s general practices do not ask for personal or financial information, including account numbers or passwords, through unsolicited emails or pop-up windows. Report any unsolicited request for Wellington State Bank information by calling 806-447-2551 or e-mailing webmaster@wellingtonsb.com.

Other ways we protect you online:

  • We use Anti-Virus protection to help us detect and prevent viruses
  • Our Firewalls help block unauthorized access by individuals or networks
  • This site’s Secure Socket Layer (SSL) encryption creates a secure connection with your browser when you login to online banking or fill out forms
  • We do not and will not share your usernames or passwords with anyone
  • We automatically log you out of your secure session after a period of inactivity to help protect against others seeing or using your online accounts

How to Protect Yourself

  • Make sure your operating software, web browser or mobile app are up-to-date
  • Install and regularly update a virus protection program
  • Scan your computer or mobile device for spyware regularly
  • Avoid downloading programs or apps from unknown sources
  • Do not share your user ID or password with anyone
  • Choose passwords with letters, numbers and special characters, and change your passwords often
  • Always sign out of secure areas of websites, such as Internet Banking, where a user ID and password are required
  • Be cautious before sharing your email address with questionable websites, as this increases your risk of receiving fraudulent emails
  • Delete suspicious emails without opening them; never open attachments in suspicious emails
  • When your computer is not in use, shut it down or disconnect from the Internet
  • Never provide sensitive account information in response to an unsolicited email, website, or pop-up window
  • Always review your monthly account statements carefully and investigate any unauthorized activity on your account

Commercial Customers
We recommend commercial online banking customers perform a related risk assessment and controls evaluation periodically. To learn more about Online Security and Identity Theft

What to Do if You Have Been Targeted
If you believe that you may have provided sensitive account information in response to a fraudulent email, website or pop-up window, report the incident to Wellington State Bank immediately by calling 806.447.2551 or your local branch.