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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 banks 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 may also ask to see your driver’s license or other identifying documents.
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If you access and use this Web site (the “Site”), you accept and agree to be bound by and comply with these terms (the “Terms”). If you do not accept the Terms, do not use the Site.
The Site is operated by The Missouri Bank and may include links to web sites operated by its subsidiaries and affiliates, and to other web sites that it operates.
General
All products and services of The Missouri Bank and its subsidiaries and affiliates are subject to the Terms and conditions of the applicable agreements governing their use. The Terms are to be read by you together with any Terms, conditions or disclaimers provided in the pages of the Site. In the event of any conflict, the Terms provided in the pages of the Site will govern. The information, material and content provided in the pages of the Site (the “Information”) may be changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting. You agree to review the Terms regularly and your continued access or use of the Site will mean that you agree to any changes.
Local Laws; Export Control
It is important to note that some products, services and Information may not be available at all branches. The Information does not constitute an offer or solicitation to buy or sell any currency, investment fund or other product, service or information to anyone in any jurisdiction in which an offer or solicitation is not authorized or cannot legally be made or to any person to whom it is unlawful to make an offer or solicitation. For information specific to any specific jurisdiction, please contact your financial advisor. The Terms and conditions applicable to any product, service or information will be those determined at the time of provision of the product, service or information. Please be aware of the laws of your country or that otherwise apply to you in relation to any of the matters described in these pages. If you choose to access the Site from outside of the United States, you do so on your own initiative and are responsible for compliance with applicable local, national or international laws. You may not use, export or re-export the Information or any copy or adaptation in violation of any applicable laws or regulations, including export laws and regulations of the United States in force from time to time.
Not Offering Any Advice
The Information is for informational purposes only and is not intended to provide specific financial, investment, tax, legal or accounting advice for you, and should not be relied upon in that regard. You should not act or rely on the Information without seeking the advice of a professional.
No Warranties
The Missouri Bank and its affiliates, subsidiaries, officers, directors, employees or agents (the “Bank”) provide the Site and the Information on an “as is, where is” basis and do not make any express or implied warranties, representations, endorsements or conditions with respect to the Site or the Information, including without limitation, warranties as to merchantability, operation, non-infringement, usefulness, completeness, accuracy, reliability and fitness for a particular purpose. Further, the Bank does not represent or warrant that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and backup of data and/or equipment and to take reasonable and appropriate precautions to scan for computer viruses or other destructive properties.
Internet E-Mail
Any unprotected E-Mail communication over the Internet is, as with communication via any other medium (e.g. cellular phones, postal mail), not confidential, subject to possible interception or loss, and is also subject to possible alteration. The Bank is not responsible for and will not be liable to you or anyone else for any damages in connection with an E-Mail sent by you to the Bank or an E-Mail sent by the Bank to you at your request.
No Endorsements
No endorsement or approval of any third parties or his or her advice, opinions, information, products or services is expressed or implied by any Information.
No Liability
The Bank is not responsible for and will not be liable to you or anyone else for any damages whatsoever (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with your use of or inability to use the Site or the Information, or any action or decision made by you in reliance on the Site or the Information, or any unauthorized use or reproduction of the Site or the Information, even if the Bank has been advised of the possibility of these damages.
Links/Software
Links from or to web sites outside the Site are meant for convenience only. The Bank does not review, endorse, approve or control, and is not responsible for any sites linked from or to the Site, the content of those sites, the third parties named therein, or their products and services. Linking to any other site is at your sole risk and the Bank will not be responsible or liable for any damages in connection with linking. Links to downloadable software sites are for convenience only and the Bank is not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the Terms of the license agreement, if any, which accompanies or is provided with the software.
Jurisdiction
The Bank administers the Site from its offices in the United States. The Site will be governed by and construed in accordance with the laws of the State of Missouri and the laws of the United States applicable therein, without giving effect to any principles of conflicts of laws. All disputes, controversies or claims arising out of or in connection with the Site shall be submitted to and be subject to the jurisdiction of the courts of the State of Missouri. You submit and atone to the exclusive jurisdiction of the courts of the State of Missouri to finally adjudicate or determine any suit, action or proceeding arising out of or in connection with the Site.
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Agreement
This agreement is a contract that establishes the rules that cover your electronic access to your accounts at The Missouri Bank through Online Banking. By using Online Banking, you accept all the terms and conditions of this agreement. Please read it carefully. You should retain a copy of this agreement for your records.
You can reach The Missouri Bank at:
By email at: (clickable link to compose a new email) info@themissouribank.com; phone at 636-456-3441 or by mail at:
The Missouri Bank
Corporate Headquarters
104 N. Highway 47
Warrenton, MO 63383
Our Business Days are:
Monday through Friday (excluding Federal Holidays)
All Online transactions processed after 4:00 p.m. will be posted on the next business day.
The terms and conditions of the deposit agreements and disclosures for each of your accounts with The Missouri Bank as well as your other agreements with The Missouri Bank, such as loans, continue to apply notwithstanding to the contrary in this Agreement. If there is a conflict between the terms of your other agreements with the Bank and this Agreement, then the one of your pre-existing agreements and disclosures will apply. When you use any of the Online Banking Services described in this Agreement, or authorize others to use them, you agree to the terms and conditions of the entire Agreement.
This Agreement is also subject to applicable federal laws and the laws of the State of Missouri. 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. Any waiver (expressed or implied) by either party of any provision of this Agreement will not constitute a waiver of any or all of the other provisions of the agreement. You may not assign the Agreement. This Agreement is binding upon your heirs and The Missouri Bank’s successors and assigns. Certain 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, together with the Application, constitutes the entire agreement between you and The Missouri Bank with respect to the subject matter of the agreement and there are no understandings or agreements relative to which are not fully expressed herein.
As used in this Agreement, the words “we,” “our,” “us,” and “Bank” mean The Missouri Bank. “Online Banking” means The Missouri Bank Online Banking. “You,” “Your,” “Customer” and “Company” refer to the accountholder authorized by The Missouri 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 The Missouri Bank. “Electronic funds transfers” means ATM withdrawals, preauthorized transactions, point of sale transactions and transfers to and from your The Missouri Bank accounts using Online Banking including bill payments. “Online Banking Services” means the services provided pursuant to this Agreement, including the Bill Payment Service. “Business Day” means Monday through Friday, excluding Federal Holidays.
To use Online Banking, you must have at least one account at The Missouri Bank, access to Internet service, a web browser with at least 128-bit encryption, and an e-mail address. Online Banking can be used to access the Bank accounts for which you are a Direct Owner or have been given authorization by your Company Administrator. Access to your accounts through Online Banking will be based upon the User ID and Personal Identification Number (PIN) assigned by The Missouri Bank. The initial User ID and PIN will be issued once The Missouri Bank has received a signed Online Banking application form and verified your account information. The Missouri Bank will not monitor transactions through Online Banking to determine that they are made on behalf of the accountholder or that the User has the authority to initiate the transaction.
You can use Online Banking to check the balance of your The Missouri Bank accounts, view account histories, transfer between your The Missouri Bank accounts, make stop payment requests, download account activity, and pay bills from your The Missouri Bank account in the amounts and on the dates you request if you have signed up for Online Bill Payment Service.
Balance and activity information are available as of the close of business of the previous business day; transactions that have been processed for the current day may be listed on the site for informational purposes only. 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 Web Site.
Each customer requesting access to Online Banking will be assigned a separate user ID and PIN. For security purposes, each User is required to change their User Identification and PIN upon their initial login to Online Banking. You acknowledge and agree that the Bank, in granting your request, shall issue to you an initial User Identification and PIN to facilitate your exclusive access to the Online Banking as requested herein, and said initial User Identification and PIN shall be kept absolutely confidential by you to ensure secured access to your accounts. Further, you agree to change the initial User Identification and PIN to a User Identification and PIN of your sole selection and choosing upon your initial access to the Online Banking System. You determine what User Identification and PIN you will use and the identity of your User Identification and PIN is not communicated to us. Neither The Missouri Bank nor any of its representatives shall ever ask for your User Identification or PIN. You agree that we are authorized to act on instruction received under your User Identification and PIN. You accept responsibility for the confidentiality and security of your User Identification and PIN and agree to change it in accordance with the Online Banking System requirements. Upon three unsuccessful attempts to use your User Identification or PIN, your access to Online Banking will be revoked. To re-establish your authorization to use Online Banking you must contact us to have your User Identification and PIN reset. We recommend that you create a User Identification and PIN that is used expressly for Online Banking and not associated with any commonly known personal identification. The User Identification and PIN should be memorized rather than written down.
You understand the importance of your role in preventing misuse of your accounts through Online Banking and you agree to promptly examine your paper statements for each of your The Missouri Bank accounts as soon as you receive it. You agree to protect the confidentiality of your account and account number, your personal identification information, User ID and PIN. Your User ID and PIN are intended to provide security against unauthorized entry and access to your accounts. Data transferred via Online Banking is encrypted in an effort to provide transmission security and the Online Banking System utilizes identification technology to verify that the sender and receiver of Online Banking transmissions can be appropriately identified by each other. Notwithstanding our efforts to ensure that the Online Banking System is secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others. We cannot and do not warrant that all data transfers utilizing Online Banking, or e-mail transmitted to and from us, will not be monitored or read by others.
The Missouri Bank makes no direct charges for consumer or commercial customers’ use of Online Banking. The Online Bill Payment service is an optional feature, which includes service fees that we MAY charge. For consumer accounts the first five (5) bill payments are free and each additional payment is $.60 each per month. You agree that all such fees and charges will be deducted from The Missouri Bank checking account designated as the Online Bill Payment account or the “Primary Checking Account” on your Application Form. If you close your Primary Checking Account, you must contact us immediately to designate another checking account as your Primary Checking Account. You agree to pay additional reasonable charges for services you request that are not covered by this Agreement. You are responsible for telephone and Internet service fees you incur in connection with your use of Online Banking.
Account balances as of the close of the business day and account transactions posted on the most recent business day are normally available on Online Banking by 7:00 p.m. Monday – Friday. The cutoff for each business day is 4:00 p.m., Monday through Friday. Additionally, presentment and memo posted account transactions are normally available on the Online Banking System throughout each business day as they occur. Although Bank agrees to use its best efforts to provide account information at these times each business day, Bank does not guarantee that account information will be available according to schedule. Transfers initiated through the Online Banking System before 4:00 p.m. on a business day are posted to your account the same day. Transfers completed after 4:00 p.m. on a business day, or anytime on a Saturday, Sunday or non-banking day will be posted on the next business day. The Online Banking System identifies transfers based upon the User ID and the user who made the electronic transfer. You agree to communicate with any other people who have authorized access to your accounts about any transfers or bill payments from your account in order to avoid overdrafts.
If your account has insufficient funds to perform all electronic fund transfers you have requested for a given business day, then:
The number of transfers from The Missouri Bank 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 any uncollected funds 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.
The Online Bill Payment service is an optional feature. You must select the Bill Payment option once you are logged into Online Banking in order to use this service. To pay bills online, simply set up your Payees by entering the necessary information to schedule a payment. The payment will normally be charged to your account on the business date that the bill is scheduled to be paid or when the check clears. If a scheduled bill payment falls on a holiday or weekend, it will be paid on Friday before the weekend, or the last working day before the holiday. Payments will only be processed once a day at our Bill Pay cut-off time of 4:00pm CST on any business day. By using your password, we can charge your designated account by electronic transfer, “no signature required draft”’ or by debiting and remitting funds on your behalf. You agree that your bill payments will be charged to the accounts requested by you. We reserve the right to refuse to pay any payee designated to you. If we do so, we will notify you promptly.
If the payee is to be paid by paper check (as indicated on the Bill Payee list), you understand and agree that paper checks are mailed to the payee and the payee may not receive the payment until 5 to 8 business days after the date the payment is submitted. If the payee is to be paid electronically (as indicated on the Bill Payee list), you understand and agree that the payee may not receive the payment until 72 hours after the payment is debited from your account. You understand and agree that we are not responsible for the timely delivery of mail or the improper transmission or handling of payments by a third party such as the failure of the bill payment payee to properly post a payment to your account.
If a bill payment request “rejects” due to incorrect information (i.e. wrong account number), The Missouri Bank will receive notification of the rejected item on the business day following the day your account was debited. However, your account will not be re-credited for the rejected item until the business day following notification to us. You may resubmit the payment at that time. You accept responsibility to correct the vendor information before resubmitting the rejected bill payment.
Stop-Payment Requests
Stopping the payment of a check is different from the cancellation of a bill payment. You may initiate stop-payment requests via Online Banking for paper checks you have written on your The Missouri Bank accounts and for any ACH items debited from your account. You may not stop payment on an electronic Online Bill Pay payment. Online stop-payment requests are retrieved and processed at the close of each business day. However, The Missouri Bank requires a reasonable time to act upon such requests.
If you require immediate action regarding a stop-payment request, you must call us at (636)456-3441. To be effective, the stop-payment request for a paper check must precisely identify the name of the payee, the check number, the amount, and date of the check. The stop-payment request for an ACH item must precisely identify the name of the payee and the exact amount of the electronic debit.
If you make your stop-payment request online or by telephone, we also require you to put your request in writing and get it to us within 14 days after you initiate the request or the stop payment will be cancelled. You will incur stop-payment charges to the applicable account as disclosed in the current fee schedule.
If you have made arrangements with any person or company to regularly withdraw payments from your account electronically, you can stop any of the payments by contacting The Missouri Bank at the address or phone number listed above. We must receive your request at least three (3) business days before the payment is scheduled to be made. If these regular payments may vary in amount the person or company you are paying must tell you ten (10) days before each payment when it will be made and how much it will be, unless you have agreed with the payee that you will receive notice only if the amount varies within a specific range. If you order us to stop one of these preauthorized electronic payments three (3) business days or more before it is scheduled, and we fail to do so, we will be liable for your losses or damages. If you call, we will require you to put your request in writing and provide it to us within fourteen (14) days after your call. If we do not receive your request in writing within fourteen (14) days, the request will be cancelled. In some cases, an affidavit of cancellation will be required.
Information held by one The Missouri Bank entity is available to other The Missouri Bank affiliates for authorized purposes. Information about your accounts or the transfers you make may also be automatically disclosed to other parties. For example, tax laws require disclosure to the government of the amount of interest you earn, and some transactions such as large currency and foreign transactions, must be reported to the government. We may also provide information about your accounts to persons or companies we believe would use the information for reasonable purposes, such as when a merchant calls to verify a check you have written. In addition, we routinely inform credit bureaus when accounts are closed because they were not handled properly. We may also seek information about you from others, such as the credit bureau, in connection with the opening or maintaining of your account in connection with approving your access to Online Banking. You agree and hereby authorize all of these transfers of information.
You will not receive a separate Online Banking statement unless otherwise requested through the Online Banking product.
Transfers to and from your accounts using Online Banking will appear in the respective periodic paper statements for your The Missouri Bank accounts. You will receive a monthly account statement from The Missouri Bank for your checking and money market deposit accounts. You will get a monthly account statement for your The Missouri Bank savings account if there are electronic transfers, otherwise statements are provided at least quarterly. You can obtain a printout of transactions by contacting us at the phone number and address listed above. A fee may apply.
We may change any term of this Agreement at any time. If the change would result in increased fees for any Online Banking service, increased liability for you, fewer types of electronic fund transfers, or stricter limitation of the frequency or dollar amount of transfers, we agree to give you notice at least 30 days before the effective date of such change, unless immediate change is necessary to maintain the security of an account or our electronic transfer system. We will post any required notice of the change in terms on The Missouri Bank Online Banking Web Sites or forward it to you by e-mail or by postal mail. Your continued use of any or all of the Online Banking services indicates your acceptance of change in terms. We reserve the right to waive, reduce or reverse charges or fees in individual situations. You acknowledge and agree that changes to fees applicable to specific accounts are governed by the individual deposit agreements and disclosures.
Contact us as soon as you think your paper statement is wrong, or if you need more information about a transfer listed on your paper statement. We must hear from you no later than 60 days after we sent the FIRST paper statement upon which the problem or error appeared. When you contact us:
If you contact us, we may require that you send us your complaint or question in writing by postal mail or fax within 10 business days. We will communicate to you the result of our investigation within 10 business days for an existing account, and 20 business days for a new account after you contact us and will correct any error promptly. If we need more time, however, we may take up to 45 days on existing accounts, and 90 days on new accounts to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within 10 business days on existing accounts, and 20 business days for new accounts for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do NOT receive it in the form of paper writing within 10 business days, we may not provisionally credit your account.
If we decide there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. If we have made a provisional credit, a corresponding debit will be made from your account.
If we do 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, we will be liable to you for your losses or damages caused as a result. However, there are some exceptions. We will NOT be liable for instance:
Under no circumstances are we liable for any direct, indirect, special, incidental, consequential or exemplary damages, including lost profits and attorney’s fees, even if informed of their possibility, arising in any way out of the use of Online Banking Service. The limitations of liability shall not be construed as an attempt to waive or limit any remedy that is identified as not being subject to waiver by agreement in any Missouri or Federal consumer protection law or regulation.
Unauthorized Use of Online Banking Service (Consumer)
If you are an individual and your account was established for personal, family or household purposes you can lose no more than $50.00 if someone used Online Banking and your user ID or PIN without your permission, provided you tell us within two (2) business days. If you DO NOT tell us within two (2) business days after you learn of the loss or theft of your User ID or PIN, and we can prove we could have stopped someone from Using Your User ID or PIN without your permission if you had told us, you could lose as much as $500.00.
If your statement shows a transfer that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason, such as a long trip or hospital stay, kept you from telling us, we will extend the time period.
If you believe that your User ID or Pin has been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, contact us IMMEDIATELY at the contact information listed above.
Unauthorized Use of Online Banking Service (Commercial)
If you are not an individual or if your account is for other than personal, family or household purposes, you are liable for any and all unauthorized Use of Online Banking in connection with your accounts.
You acknowledge that we may subcontract a portion of the Online Banking Services to be provided under this Agreement. Subject to any applicable consumer protection law, you agree that we do not control any third-party supplying services in connection with Online Banking, and you will hold us harmless for any failures, acts or omissions of any third party.
Features and services are subject to change without notice.
You understand and agree that the use of or connection to the Internet is inherently insecure and that connection to the Internet provides opportunity for unauthorized access by a third party to your computer systems, networks, and any and all information stored therein. We shall not be responsible for any adverse consequences whatsoever of your connection to or use of the Internet, and shall not be responsible for any use by you of an Internet connection in violation of any law, rule, or regulation or any violation of the intellectual property rights of another.
We are not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their PC and diskettes using a reliable anti-virus product to detect and remove viruses found. An undetected or un-repaired virus may corrupt and destroy your programs, files and even your hardware. Additionally, you may unintentionally transmit the virus to other computers.
We make no warranty of any kind, expressed or implied, including any implied warranty or merchantability or fitness for a particular purpose, in connection with the Online Banking Service provided to you under this Agreement. We do not and cannot warrant that the Online Banking System will operate without errors, or that any 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 contractors 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 The Missouri Bank and its affiliates exceed the amounts paid by you for the services provided to you through Online Banking.
You may cancel your Online Banking service at any time by providing us with a signed written notice by postal mail or fax.
Your access to Online Banking will be suspended within 5 business days of our receipt of your instructions to cancel the service. You will remain responsible for all outstanding fees and charges incurred prior to the date of cancellation.
You agree that we can terminate or limit your access to Online Banking services for any of the following reasons:
Unless this Agreement provides otherwise, you can communicate with us in any one of the following ways:
E-mail: You can contact us by e-mail at (clickable link to compose a new email) info@themissouirbank.com (Please note that banking transactions through Online Banking are not made via email).
Telephone: You can contact us by telephone at 636-456-3441
Postal Mail: You can write to us at:
The Missouri Bank
PO Box 400 Warrenton, MO 63383
In Person: You may visit in person at any one of our full service locations.
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 fund transfer disclosures, may be made electronically by posting the notice on The Missouri Bank and/or Online Banking website or e-mail. You agree to notify us immediately of any change in your e-mail address.
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MO Bank Mobile Banking App (the “App”) – helps you control your credit and/or debit cards through your mobile device, making it easy to manage your finances on the go.
This Privacy Policy, in combination with other relevant privacy notices that we provide to you (e.g., pursuant to financial privacy laws), inform you of the policies and practices regarding the collection, use and disclosure of any personal information that we and our service providers collect from or about users in connection with the App’s website and mobile application (the “Services”).
Through your use of the Services, we may collect personal information from you in the following ways:
(a) Personal Information You Provide to Us.
(b) Personal Information Collected from Third Parties. We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services.
(c) Personal Information Collected Via Technology. We and our service providers may automatically log information about you, your computer or mobile device, and your interaction over time with our Services, our communications, and other online services, such as:
(a) General Use. In general, we use your personal information collected through your use of the Services to respond to your requests as submitted through the Services, to provide you the Services you request, and to help serve you better. We use your personal information, in connection with the App, in the following ways:
(b) Compliance and protection. We may use your personal information to:
(c) Creation of Non-Identifiable Data. The App may create de-identified information records from personal information by excluding certain information (such as your name) that makes the information personally identifiable to you. We may use this information in a form that does not personally identify you to analyze request patterns and usage patterns to enhance our products and services. We reserve the right to use and disclose non-identifiable information to third parties in our discretion.
We disclose your personal information collected through your use of the Services as described below.
(a) In Accordance with Our Other Privacy Notices. Other than as described in this Privacy Policy in connection with the App, this Privacy Policy does not apply to the processing of your information by us or third parties with whom we share information.
(b) Third Party Service Providers. We may share your personal information with third party or affiliated service providers that perform services for or on behalf of us in providing the App, for the purposes described in this Privacy Policy, including: to provide you with the Services; to conduct quality assurance testing; to facilitate the creation of accounts; to optimize the performance of the Services; to provide technical support; and/or to provide other services to the App.
(c) Authorities and Others. Regardless of any choices you make regarding your personal information, The App may disclose your personal information to law enforcement, government authorities, and private parties, for the compliance and protection services described above.
The App may contain links to third party websites. When you click on a link to any other website or location, you will leave the App and go to another site and another entity may collect personal and/or anonymous information from you. The App’s provision of a link to any other website or location is for your convenience and does not signify our endorsement of such other website or location or its contents. We have no control over, do not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Policy do not apply to these outside websites. We encourage you to read the privacy policy of every website you visit.
You have several choices regarding use of information on the Services.
(a) How We Respond to Do Not Track Signals. Some web browsers transmit “do not track” signals to the websites and other online services with which your web browser communicates. There is currently no standard that governs what, if anything, websites should do when they receive these signals. We currently do not act in response to these signals. If and when a standard is established, we may revise its policy on responding to these signals.
(b) Access, Update, or Correct Your Information. You can access, update, or correct your information by changing preferences in your account. For additional requests, please contact us.
(c) Opting Out of Email or SMS Communications. If you have signed-up to receive our email marketing communications, you can unsubscribe any time by clicking the “unsubscribe” link included at the bottom of the email or other electronic communication. Alternatively, you can opt out of receiving marketing communications by contacting us at the contact information under “Contact Us” below. If you provide your phone number through the Services, we may send you notifications by SMS, such as provide a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through the Services.
(d) Opting Out of Location Tracking. If you initially consented to the collection of geo-location information through the Services, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of the App.
We implement reasonable administrative, technical, and physical measures in an effort to safeguard the information in our custody and control against theft, loss and unauthorized access, use, modification, and disclosure. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information.
The Services are not directed towards individuals under the age of 18, and we do not, through the App, intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to us through the App and we learn that the personal information is the information of a child under 18, we will attempt to delete the information as soon as possible.
This Privacy Policy is subject to occasional revision. We will notify you of any material changes in its collection, use, or disclosure of your personal information by posting a notice on the Services. Any material changes to this Privacy Policy will be effective thirty (30) calendar days following notice of the changes on the Services. These changes will be effective immediately for new users of the Services. If you object to any such changes, you must notify us prior to the effective date of such changes that you wish to deactivate your account. Continued use of the Services following notice of any such changes shall indicate your acknowledgement of such changes.
If you have any questions or complaints about this Privacy Policy or The App’s data collection or processing practices, or if you want to report any security violations to The App, contact The Missouri Bank by email at: info@themissouribank.com; phone at 636-456-3441 or by mail at:
The Missouri Bank
Corporate Headquarters
104 N. Highway 47
Warrenton, MO 63383
online data protection and information security concept, cybersecurity
Identity theft occurs when someone illegally obtains your personal information, such as your Social Security Number, Bank Account Number, Credit Card Number, or other identification and uses it to open accounts or initiate transactions in your name.
Here are some tips to help reduce your risk of Identity Theft:
The Missouri Bank may call you to verify online banking activity, card activity, or to provide information on products or services that we offer. The Missouri Bank will never ask you to verify, provide, or update your personal information by pop-up message, email, text message, automated or live phone call. Neither The Missouri Bank nor any of its representatives shall ever ask for your User Identification or PIN for access to internet banking. If you are contacted by one of these methods requesting personal or account information, do not respond.
Phishing is a method of e-mail fraud in which the perpetrator sends out legitimate-looking e-mail in an attempt to gather personal and financial information from recipients.
Here are some tips to help you avoid getting hooked by a phishing scam:
Contact us as soon as you think your statement is wrong, or if you need more information about a transfer listed on your statement. We must hear from you no later than 60 days after we sent the FIRST statement upon which the problem or error appeared. When you contact us:
If you contact us, we may require that you send us your complaint or question in writing by postal mail or fax within 10 business days. We will communicate to you the result of our investigation within 10 business days for an existing account, and 20 business days for a new account after you contact us and will correct any error promptly. If we need more time, however, we may take up to 45 days on existing accounts, and 90 days on new accounts to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within 10 business days on existing accounts, and 20 business days for new accounts for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do NOT receive it in the form of paper writing within 10 business days, we may not provisionally credit your account. If we decide there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. If we have made a provisional credit, a corresponding debit will be made from your account.
Here are some tips for protecting your mobile device:
Due to the increase of fraudulent activity via Online Banking throughout the banking industry, The Missouri Bank recommends that business customers conduct a periodic assessment of internal controls in regards to internet banking credentials and procedures. The following should be considered when performing this risk assessment:
The Missouri Bank is here to assist you with any questions you have in regards security features contained within the Commercial Online Banking System. Contact the Vice President of Information Systems for more details at 636-456-3441.