Justin State Bank

Online Banking Agreement

 * Continuing to the form at the bottom of this page acknowledges your agreement

Agreement – This agreement, is a contract which establishes the rules which cover your electronic access to your accounts at Justin State Bank (“Bank”) through the ONLINE BANKING SYSTEM.  By using the Online Banking System, you accept all the terms and conditions of this Agreement.  Please read it carefully.

The terms and conditions of the deposit agreements and disclosures for each of your Justin State Bank accounts as well as your other agreements with Justin State Bank such as loans, continue to apply notwithstanding anything to the contrary in this Agreement.

This Agreement is also subject to applicable federal laws and the laws of the State of Texas (except to the extent this Agreement can and does vary such rules or laws).  If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect.  The headings in this Agreement are for convenience or reference only and will not govern the interpretation of the provisions.  Any waiver (express or implied) by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or subsequent default or breach.  You may not assign this Agreement.  This Agreement is binding upon your heirs and the Bank’s successors and assigns.  Certain of the obligations of the parties pursuant to this Agreement that by their nature would continue beyond the termination, cancellation or expiration of this Agreement shall survive termination, cancellation or expiration of this Agreement.  This Agreement constitutes the entire agreement between you and Justin State Bank with respect to the subject matter hereof and there are no understandings or agreements relative hereto which are not fully expressed herein.

Definitions – As used in this Agreement, the words “we”, “our”, “us” and “Bank” mean Justin State Bank.  “You” and “your” refer to the accountholder authorized by Justin State Bank to use Online Banking under this Agreement and anyone else authorized by that accountholder to exercise control over the accountholder’s funds through Online Banking.   “Account” or “accounts” means your accounts at Justin State Bank.  “Electronic funds transfers” means ATM withdrawals, preauthorized transactions, point of sale transactions, transfers to and from your Justin State Bank accounts using Online Banking including bill payments.  “Online Banking Services” means the services provided pursuant to this Agreement.  “Business days” means Monday through Friday.  Holidays are not included.

Access – To use Online Banking, you must have at least one account at Justin State Bank, access to Internet service, and an email address.  Once you consent to this agreement, and complete the Internet Banking Application Enrollment Form and we have received both, then a bank representative will verify your account information.  You will be notified, either by e-mail or telephone, confirming your enrollment, and providing you with your temporary log-in ID and temporary password.

Online Banking can be used to access all Justin State Bank accounts owned by you.  You can add or delete any of your Justin State Bank accounts from this Agreement by notifying the Bank. Access to your accounts through Online Banking will be based upon the identification of users and authority levels specified by you.  We undertake no obligation to monitor transactions through Online Banking to determine that they are made on behalf of the account holder.   

Online Banking Services – You can use Online Banking to check the balance of your Justin State Bank accounts, view account histories, transfer funds between eligible accounts, view statements, create alerts, and pay bills from your Justin State Bank accounts in the amounts and on the date you request if you have applied for the use of Bill Pay Services.

Hours of Access – You can use Online Banking seven days a week, twenty-four hours a day, although some or all Online Banking services may not be available occasionally due to emergency or scheduled system maintenance.  We agree to post notice of any extended periods of non-availability on the Online Banking website.

Your Password – For security purposes, you are required to change your password upon your initial login to Online Banking.  You determine what password you will use and the identity of your password is not communicated to us.  You agree that we are authorized to act on instructions received under your password.  You accept responsibility for the confidentiality and security of your password.  Upon three unsuccessful attempts to use your password, your access to Online Banking will be revoked.  To re-establish your authorization to Online Banking, you must contact us to have your password reset or to obtain a new temporary password.

We require that you create a complex password that contains both upper and lower case alpha and numeric characters for security purpose.  Your password should not be associated with any commonly known personal identification, such as social security numbers, address, date of birth, names of children, and should be memorized rather than written down.

Security – You understand the importance of your role in preventing misuse of your accounts through Online Banking and you agree to promptly examine your periodic statement for each of your Justin State Bank accounts as soon as you receive it.  You agree to protect the confidentiality of your account number, and your personal identification information, such as your driver’s license number and social security number.  You understand that personal identification information by itself, or together with information related to your account, may allow unauthorized access to your account.  Your password and login ID are intended to provide security against unauthorized entry and access to your accounts. 

Now for the device you use to access the Online Banking application, here are some tips on how to secure that device.  If you device is lost or stolen, please notify the bank (940-648-2753) quickly so that your access to this application can be disabled.

  1. Make sure your software is up-to-date.
  2. Employ strong passwords.
  3. Don't mess with the security settings.
  4. Avoid unencrypted public wireless networks

Fraud Awareness Justin State Bank is committed to educating our customers to the latest threats of identity theft and fraudulent activities.  Below is some information to help educate you about fraud:

  • Computers, Mobile Phones, and other Devices with Online capabilities are susceptible to viruses. You are responsible to ensure that your Device is protected from and free of viruses, worms, Trojan horses, or other similar harmful components (collectively referred to as “viruses”) which could result in damage to programs, files, and/or your phone or could result in information being intercepted by a third party.  The Bank will not be responsible or liable for any indirect, incidental, special or consequential damages which may result from such viruses.
  • Phishing is a high tech Online scam where fraudsters impersonate a business to trick you into giving out your personal information. Do not reply to email, text, or pop-up messages that ask for your personal or financial information. 
  • Do not click on links within these emails, text, or pop-up messages either – even if the message seems to be from an organization you trust. Identity thieves can imitate a legitimate organization using stolen logos and graphics.
  • These links may contain malicious software (malware) that contain computer viruses and spyware that get installed on your computer, phone, or mobile device without your consent. Criminals use malware to steal personal information, send spam, and commit fraud.

Fraud is not limited to individuals and it can occur with businesses as well.  Corporate Account Takeover is a type of corporate identity theft in which cyber-thieves steal a business’ valid Online Banking credentials to initiate funds out of the compromised business’ account by ACH or wire transfer to the bank account of associates within the U.S. or directly overseas.  In some cases, the perpetrator may also be able to gain access to and review the business’ account details, such as account balances, activities and patterns, enabling the perpetrator to mimic the legitimate users and initiate transactions undetected.  For more information on Corporate Account Takeover view https://justinstbank.com/index.php/customer-resources/CATO.

For more information about Fraud Awareness, please visit our Customer Awareness section on our website at https://justinstbank.com/index.php/customer-resources/customer-awareness.

Posting of Transfers – Transfers initiated through Justin State Bank’s Online Banking System before 2:30 pm on a business day are posted to your account the same day.  Transfers completed after 2:30 pm on a business day, Saturday, Sunday or banking holiday, will be posted on the next business day. 

Limits on Amounts and Frequency of Online Transactions – The number of transfers from Justin State Bank Money Market and Savings accounts and the amounts which may be transferred are limited pursuant to the terms of the applicable deposit agreement and disclosure for those accounts.  If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.

Privacy – Justin State Bank’s Privacy Notice is available for you to view at the following web address https://justinstbank.com/index.php/customer-resources/privacy. A printed copy is available upon request.  If you would like a printed copy please contact us at 940-648-2753.

In Case of Error or Questions about Your Electronic Transfers – Please contact us as soon as you can, if you think your periodic statement is wrong, or if you need more information about a transfer listed on your periodic statement.  We must hear from you no later than 60 days after you receive the FIRST periodic statement upon which the problem or error appeared.  Our business days are Monday through Friday – Holidays not included.  When you contact Justin State Bank:

  1. Tell us your name and account number.
  2. Describe the error to transfer you are unsure about, and explain as clearly as you can why you believe it is an error, or why you need more information.
  3. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your compliant or question in writing within 10 business days.

Your Liability for Unauthorized Transfers – CONTACT US AT ONCE if you believe your password has been lost, stolen, used without your authorization, or otherwise compromised, or if someone has transferred or may transfer money from your accounts without your permission.  An immediate telephone call to us is the best way to reduce any possible losses.  You could lose all the money in your accounts. 

Our Liability for Failure to Make a Transfer – If Justin State Bank does not complete a transfer to or from your account, on time or in the correct amount, according to our agreement with you when you have properly instructed us to do so, Justin State Bank will be liable to you for all fees incurred as a result.  However, there are some exceptions.  Justin State Bank will NOT be liable, for instance:

  1. If, through no fault of ours, you do not have enough money in your account to make a transfer.
  2. If a legal order directs us to prohibit withdrawals from the account.
  3. If the transfer would cause your balance to go over the credit limit of an established line of credit or the credit limit for any credit arrangement set up to cover overdrafts.
  4. If you, or anyone authorized by you, commits any fraud or violates any law or regulation.
  5. If any electronic terminal, telecommunication device, or any part of the Online Banking’s electronic fund transfer system is not working properly and you knew about the problem when you started the transfer.
  6. If you have not properly followed the on-screen instructions for using Online Banking.
  7. If circumstances beyond our control (such as fire, flood, interruption in telephone service or other communication lines) prevent the transfer, despite reasonable precautions that we have taken.

Disclaimer of Warranty and Limitation of Liability – Justin State Bank makes no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the Online Banking services provided to you under this Agreement.  We do not and cannot warrant that the Online Banking System will operate without errors, or that any or all of the Online Banking services will be available and operational at all times.  Except as specifically provided in this Agreement, or otherwise required by law, you agree that our officers, directors, employees, agents or contactors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products provided under this Agreement or by reason of your use of or access to the Online Banking system, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty.  Further, in no event shall the liability of Justin State Bank and its affiliates exceed the amounts paid by you for the services provided to you through Online Banking.

Your Right to Terminate – You may cancel your Online Banking service at any time by providing us with written notice by postal mail.  Your access to Online Banking will be suspended within 3 business days of our receipt of your instructions to cancel the service.  You will remain responsible for all outstanding fees and charges (if applicable) incurred prior to the date of cancellation. 

Our Right to Terminate – You agree that we can terminate or limit your access to Online Banking at any time. 

Communications between Justin State Bank and You – Unless this Agreement provides otherwise, you can communicate with us in any one of the following ways:

  • Telephone – You can contact us by telephone at 940-648-2753.
  • Facsimile – You can contact us by fax at 940-648-2757.
  • Postal Mail – You can write to us at:

               Justin State Bank

               P O Box 97

               Justin, TX  76247


  • In Person – You may visit us in person at:

               Justin State Bank

               412 South Highway 156

               Justin, Texas  76247


Consent to Electronic Delivery of Notices – You agree that any notice or other type of communication provided to you pursuant to the terms of this Agreement, and any future disclosures required by law, including electronic funds transfer disclosures, may be made electronically by posting the notice on the Online Banking System website or by e-mail.  You agree to notify us immediately of any change in your e-mail address.


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