Internet Banking Disclosure


This Internet Banking Agreement and Disclosure governs your use of Internet Banking. Throughout this web site the Agreement and Disclosure will be referred to as "Agreement." By using Internet Banking, you agree to all of the terms of this Agreement. Please read it carefully and keep a copy for your records.


You or Your - The person(s) subscribing to or using Internet Banking.

We, Us or Our - Refers to Jourdanton State Bank and any agent, independent contractor, designee or assignee Jourdanton State Bank may involve in the provision of Internet Banking.

Business Day - Any calendar day other than Saturday, Sunday or any holidays recognized by Jourdanton State Bank. Bill payments are processed on all business days that both the Federal Reserve Bank and the US Postal System are operating and open for business.

Business Day Cut-Off - Jourdanton State Bank primary banking offices are located in Jourdanton, Pearsall and San Antonio, Texas. For posting purposes, the bank will use its best effort to process all transactions completed by 4:00 P.M. CST. on that business date. Transactions completed after 4:00 P.M. CST., including transfers, will be processed on the following business day.

Privacy Statement - Jourdanton State Bank understands how important privacy is to our customers. We have taken steps to insure security and privacy for your personal and financial dealing with the bank. Our customer privacy statement can be obtained at

About Internet Banking

Jourdanton State Bank's Internet Banking System is an online banking web site that provides an array of financial services to our customers.

The Internet Banking system that is accessible by Jourdanton State Bank's customers over the Internet currently consists of:

  • Account inquiries, balances, transfer, etc.
  • Historical transactions
  • Transaction downloads Secure applications
  • View detailed transactions
  • Payments to our loan accounts

For customers who select Bill Payment, these additional functions are available:

  • One-time Payments
  • Recurring Payments
  • Information

Internet Security Information

Jourdanton State Bank's Internet Banking system utilizes a comprehensive security strategy to protect your accounts and transactions conducted over the Internet. In-depth information on many of the techniques and features employed by the system can be viewed or printed from our website. In addition to our log-on security, we use the SSL (secure socket layer) encryption technology for everything done on the Internet Banking system. This technology is automatically activated by your browser when it attempts to connect to our system and it will support 128 bit key lengths. Whenever SSL is securing your communications, the browser will typically indicate the "secure session" by changing the appearance of a small icon of a padlock at the bottom of the screen from open to locked. This means that your communications are scrambled from your browser to our servers at all times so that no unauthorized party can read the information carried over the Internet. In addition, our servers have been certified by a "Certificate Authority" that will assure you that you are actually talking to our servers. (If you are using an older browser, such as anything prior to versions 7.0 on Netscape or Internet Explorer, the "Certificate Authorities" key may be expired and you may need to update your browser.

During use of the Internet Banking system, we will pass a "cookie" to your browser for identification during the session. We do not (and can not) use this system to obtain new information about you. A "cookie" is security data given to a browser by a web server that is returned by the browser on subsequent transmissions to identify the user and encryption information. When you log-on to the system, this cookie enables us to process multiple transactions during the session without providing User ID and passcode for each individual transaction. When you "log off," or after ten (10) minutes, the cookie is no longer accepted and must be renewed by requiring the passcode to be reentered. A new "cookie" is used for each session. The result is that, no one can use the cookie to access your account.

If you have any questions about Internet safety or our security systems, you may contact our Internet Banking department.

Registration Process

The Internet Banking service requires that the customer complete the registration process. This application will identify your Jourdanton State Bank location and provide all the information that we will need to initiate the service. The Internet Banking department will verify the information submitted for accuracy and authorizations. Processing time is approximately seven (7) days and you will be notified when your account is activated.

Log-On Security

Security is very important to the Internet Banking system. Initially, you will select a unique "USER ID" that will be used to gain access to the system. Prior to activation, the Internet Banking department will verify your identity and authorization to information. To help make a good secure password selection, our system enforces minimum, maximum, and mixed-character usage.

To prevent unauthorized access and ensure the security of your accounts, we will end your online session after ten (10) minutes of inactivity. This action will provide added protection in case your computer is unattended. You must reenter your password to continue the session.

Because your password is used to access your accounts, you should treat it as you would any other sensitive personal data. Carefully select a password and keep it confidential. You may consider changing your password occasionally, such as every 90 days. This can be done at any time after you have logged on from the "User Options" menu.

Fees for the Internet Banking Service

Personal Accounts - The service for personal accounts is currently free. This free service is subject to change with a thirty (30) day notice to our customers. Jourdanton State Bank reserves the right to terminate bill payment service if inactive for one hundred and eighty (180) days.

Commercial Accounts - The service for commercial accounts  is currently free. This free service is subject to change with a thirty (30) day notice to our customers. Jourdanton State Bank reserves the right to terminate bill payment service if inactive for one hundred and eighty (180) days.

Cancellation of Internet Banking

Your Internet Banking may be cancelled at any time by Jourdanton State Bank without prior notice due to insufficient funds in one of your accounts. After cancellation, service may be reinstated at bank's discretion. In order to reinstate services, you must call Internet Banking Service Support at (830) 769-3557.

Balance Inquiries, Bill Payment and Transfer Limitations

You may use Internet Banking to check the balance of your accounts and to transfer funds among your accounts. According to Federal regulations, you may not make more than six (6) pre-authorized or automatic transfers or debits from your Money Market Deposit Account or Savings Account during a given monthly statement period. There are no limits to the number of transfers or bill payments from your Checking Accounts. Jourdanton State Bank currently limits the bill-payment service to Checking Accounts.

Balances shown in your accounts may include deposits subject to our verification. The balance may also differ from your records due to deposits in progress, outstanding checks or other withdrawals, payments or charges. A transfer request may not result in immediate availability because of the time required to process the request. If you have further questions, contact your Internet Banking Coordinator.

The balances are updated periodically and the system will display the most current date on the "accounts" summary page. Certain situations may cause a delay in an update of your balances. The system will use the most current balance available to approve payment.

Special Information about the Stop Payment, Check Reorders, Address Change, Order Documents, Secure e-mail & secure file Delivery Services

The system includes several options under the "Secure forms" menu that provide a means to securely forward your request for processing. Generally, a request received from the system will be processed within one (1) business day using procedures that would handle similar request received by mail or fax. If urgent action is required, we recommend that you contact the Jourdanton State Bank directly by telephone or in person. The Stop Payment feature is designed to submit a request to stop payment on checks or electronic drafts that are to be deducted from your accounts. Additional terms and fees may apply to this service and will be disclosed at the time you complete the request.

This service is not available to cancel a bill payment; you will need to contact the Internet Banking department, or contact Checkfree.

Notice of Your Rights and Liabilities

Notify us immediately if your User ID and Password have been compromised, lost or stolen. Immediate notification default could result in the loss of all monies accessible by the password.

If we are notified within two (2) business days after you discover that your User ID and Password have been compromised, lost or stolen, you can lose no more than $50. If we are not notified within two (2) business days, and it can be determined that we could have prevented the unauthorized use of the User ID and Password, you could lose as much as $500.

If your statement shows unauthorized transfers, you must notify the bank within 60 days after the statement is mailed or is viewed on your computer. After 60 days, lost funds may not be recovered if it is established that the unauthorized use could have been prevented.

Errors and Questions

In instances of errors or questions concerning transactions completed with Internet Banking, do one of the following as soon as possible:

Telephone Internet Banking Service support: (830) 769-3557; 767-3100

Write to Internet Banking Service Support: P. O. Box 459, Jourdanton, Texas78026;

Initiate a payment inquiry on your PC through e-mail to

We must hear from you within 60 days after you receive the first statement or notification in which the error or problem appeared. Please include the following information:

Account Number and User ID
Description of the error, plus an explanation of why you believe it is an error or why you need more information
Tell us the amount of the error

For a Bill Payer error, tell us:

Checking account number used to pay the bill
Payee name
Date of payment sent
Confirmation number
amount Payees account number for the payment in question.

Although we may require 45 business days, we will attempt to provide you with the results of our investigation within ten (10) business days after notification. If 45 days are required, we will provide a provisional credit to your account within ten (10) business days. If we decide there was no error, a written explanation will be provided within three (3) business days after the completed investigation and your account will immediately be debited for the credit.

Disclosure of Account Information to Third Parties

Information to third parties about your account(s) or the transaction(s) you make will be disclosed, if at least one of the following applies:

  • It is necessary to complete a transaction.
  • To verify the existence and condition of your account to a third party such as a credit bureau or merchant.
  • To comply with a governmental agency or court order.
  • If you give permission, (we may require same to be in writing).
  • To collect information for internal use by our service providers or our servicing agents and contractors.
  • It involves a claim by or against us concerning a deposit to or withdrawal from your account.
  • Where otherwise required or permitted under state or federal laws and/or regulations.

No Signature Requirements

You agree that we may debit the designated account, or the account on which the item is drawn, without requiring your signature on the item and without notice.

Virus Protection

Jourdanton State Bank is 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 any viruses. Undetected or unrepaired viruses may corrupt and destroy your programs, files and even your hardware. Additionally, you may unintentionally transmit the virus to other computers.


You may terminate the use of Internet Banking by contacting Jourdanton State Bank in writing by mail, e-mail or personal delivery to Jourdanton State Bank. If your account is closed or restricted for any reason, Internet Banking accessibility will automatically terminate.

Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of Texas and is performable in Bexar, Frio, and Atascosa Counties of Texas.

Submission of Disputes to Binding Arbitration

As a part of, and in consideration for, the mutual agreements set forth herein, and in consideration for the Bank's mutual agreement to arbitrate, customer agrees that any claim or controversy ("Dispute") he or she may have against the Bank, its affiliates, subsidiaries, officers, directors, agents, representatives and other employees, arising out of or in any way relating to this agreement with the Bank or termination of the banking relationship created herein with the Bank, shall be submitted to and settled by final and binding arbitration in Atascosa County, Bexar County or Frio County, Texas. Such arbitration shall be conducted pursuant to the rules of the American Arbitration Association governing disputes involving agreements of this nature, before an arbitrator licensed to practice law in Texas and familiar with Banking law Disputes. Judgement on any award rendered by an arbitrator may be entered and enforced in any court having jurisdiction thereof.

Prior to submitting the dispute to arbitration, the parties shall first attempt to resolve the dispute by notifying the other party in writing of the Dispute (in the case of the Bank, such written notification must be provided by an officer of the Bank); by giving the other party the opportunity to respond in writing to the Dispute within ten (10) days of receipt of the written notification; and by giving the other party the opportunity to meet and confer. If the Dispute is not resolved in this manner, the dispute may then proceed to arbitration at the request of either party.

By agreeing to arbitrate all Disputes, Customer and the Bank understand that they are not giving up any substantive rights under local, state or federal law. Rather, Customer and the Bank are mutually agreeing only to submit all Disputes to an arbitral, rather than judicial, forum.

The parties shall bear equally the arbitrator's fees and expenses, as well as the administrative cost assessed by the American Arbitration. Each party to the arbitration shall be solely responsible for its own cost and attorney's fees, if any, relating to the arbitration. The decision of the arbitrator shall be final and binding.

Should any party institute any court action against the other with respect to any Dispute required to be arbitrated under this provision, or pursue any method other than arbitration as provided for herein, the responding party shall be entitled to recover from the initiating party all damages, cost, expenses, and attorneys fees incurred as a result of such action.

By the customer's signature affixed to this Agreement, the customer acknowledges that he or she has received and read a copy of this Agreement, understands its provisions, and agrees to adhere to and abide by this Agreement, including this arbitration provision. Further, by his or her signature, the customer understands, and agrees that the Bank is engaged in transactions involving interstate commerce, and that this arbitration provision evidences a transaction involving commerce.


This agreement may not be assigned to any other party by you. We may assign or delegate, in part or whole, to any third party.


Terms and conditions of this agreement may be amended in whole or part at any time within 30 days written notification prior to the change taking effect. If you do not agree with the change(s), you must notify us in writing prior to the effective date to cancel your access. Amendments or changes to term(s) or conditions(s) may be made without prior notice if it does not result in higher fees, more restrictive service use, or increased liability to you.

Entire Agreement

This Agreement supplements any other agreements or disclosures related to your account(s), including the Deposit Account Agreement and Disclosures. If there is a conflict between this Agreement and any others, or any statements made by employees or agents, this agreement shall supersede.

Please complete the internet banking agreement, and retain a copy for your files. Before you submit your agreement to Jourdanton State Bank you must print out the agreement and sign it. You must then submit the agreement to Jourdanton State Bank (via the Sign Up link on the Sign On page), and bring, or send in the printed agreement with your signature to the bank. No applications will be approved without a signed agreement. After the enrollment application is received, the approval process for your Internet Banking Account will begin. Once your application is approved you will be notified by mail, email, or telephone.

In order for us to process your application correctly, we may need to contact you to verify some of the information. This information will also allow us to satisfy our regulatory requirement to "KNOW OUR CUSTOMER". Your cooperation in supplying this information is appreciated.