This Internet Banking Agreement and Disclosure is between Dairyland
State Bank and the undersigned bank customer (Customer’s acceptance
of this agreement by clicking on I AGREE represents signature.)  Dairyland State Bank may be referred to as “bank”, “we”, or “us”.  Customers may be referred to as “you” and “your”.  This agreement discloses how you may use Internet Banking, what information you can obtain, and transactions you
may make.  This agreement contains the terms and conditions governing Dairyland State Bank Internet Banking.  If you want to enroll in Internet Banking you must agree to the terms and conditions stated in this agreement.  If you do not agree to these terms and conditions click on I DECLINE.
 

DESCRIPTION OF INTERNET BANKING SERVICES

ACCOUNT INFORMATION

You can obtain the following information:

• Balance information on all types of accounts, loan payment
  amounts, payment due dates and certificate of deposit due dates.
• Review transactions on your accounts for current and previous statement cycles.
 
• Interest information on your interest-bearing deposit account and
  loan accounts
 
• Export your statement information into a personal financial management software
 
• Rental information on your safe deposit box

• Transfer funds from checking to checking
• Transfer funds from checking to savings
• Transfer funds from savings to savings
• Transfer funds from saving to checking
• Make payments from checking or savings accounts to loan
  accounts
• You may make arrangements for one time, on demand transfers
  on loan payments or make scheduled transfers to occur in the
  future or on a recurring basis.

Transfers and payments made after 3:00 p.m. will not be credited until the next business day.

You will be provided a confirmation number with each transfer.  Please write down this number when you receive it.  It will help us resolve any questions you may have concerning your transaction(s).

Your ability to initiate bank transfers between Deposit Accounts may be limited by federal law.  Bank transfers from savings accounts are limited as required by federal regulation (Federal Regulation D). 

FEES AND CHARGES FOR INTERNET BANKING

Internet Banking is FREE to our customers.

INTERNET BANKING ACCESS ID AND PASSWORD

To initially access Dairyland State Bank Internet Banking you will use an Access ID and Password that the bank assigns to you.  The first time you
 log in you will be required to change your Access ID and Password. 
Online instructions will explain Access ID and Password requirements. 
You will be able to change your password at any time if you feel security
has been breached. 

You agree to keep your internet Banking Access ID and Password confidential to prevent unauthorized access to your accounts and to
prevent unauthorized use. We recommend you memorize your Access
ID and Password.  If you choose to write it down, be sure to store it in a secure place.  If you violate this agreement and your Access ID and Password are disclosed, allowing others to access your accounts, you are fully responsible for any transactions they make on your accounts.

If you believe your password has been lost or been acquired by an unauthorized person, report it to us immediately.  

If you have forgotten your password, you will need to contact the bank
either in person or by phone.  Upon verifying your identity, we will reset
your PIN number to one supplied by us.  You will be required to change
that PIN number the first time you sign onto Online Banking.

DUPLICATE TRANSACTIONS    

It is the responsibility of the customer to detect duplicate transactions.  Dairyland State Bank will pay any transaction(s) initiated online by the customer unless there are insufficient funds or uncollected funds.

PERIODIC STATEMENTS

You will receive a monthly statement on your checking account(s) from
us and a monthly transcript statement for any automatic transactions on
your savings account(s).  These printed statements will detail your Internet Banking activities.

STOP PAYMENT OF PREAUTHORIZED PAYMENTS

If you have been receiving a regular electronic funds transfer from your account, you have the ability to stop payment on this transfer.  You may contact us at 715-868-2175 to initiate the stop payment.  We must receive this request at least three business days
before the scheduled payment is to be deducted from your account. 
We will need a signed stop payment form on file within 14 days of your request.  The charge for each stop payment request is $10.00.

BILL PAYMENT SERVICES

Dairyland State Bank Internet Banking uses the services of IPay for our Bill Payment services.  Please see our Bill Payment Page.

HOURS OF OPERATION

You can access Dairyland State Bank Internet Banking through our
website www.dairylandstatebank.com seven days a week, 24 hours a
day.   It is possible that at certain times some services may not be
available due to system or Internet maintenance.  We will attempt to
provide prior notices to such interruptions but cannot guarantee that such notice will be provided. 

LIMITATION OF LIABILITY RELATING TO AVAILABLE INTERNET SERVICES

Except as otherwise provided in this Agreement or otherwise expressly provided by applicable law or regulation, you agree that neither Dairyland State Bank nor any party that provides Internet access or provides
equipment used to access Dairyland State Bank Internet Banking services,
or any agent, independent contractor, or subcontractor of any of the
foregoing will be liable for any loss, injury, or damage including without limitation, direct, indirect, incidental, special, consequential, or punitive damages, whether under a contract, tort or any other theory of liability,
arising in any way from the installation, use or maintenance of our Internet Banking service or of the Internet access provider used to access our
Internet Banking services or of the equipment used to access our Internet Banking services including, without limitation any loss, injury or damage relating to any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, line failure or
unauthorized interception or access to your communications with us,
even if we or the service providers are aware of the possibility of such event.

UNAUTHORIZED ACCESS

Notify us immediately if you believe your Access ID or Password has been lost or     stolen.  Also, if your statement shows transfers that you did not make notify us at once.  If you believe someone may attempt to make unauthorized transfers regarding your accounts, please call Dairyland State Bank at 715-868-2175 during normal business hours. 

TERMINATION

This agreement continues until terminated.  You may terminate this Agreement and your use of Dairyland State Bank Internet Banking at any time by calling 715-868-2175 or by sending a written termination notice to Dairyland State Bank, PO Box 397. Bruce, WI  54819.  Your termination notice will be confirmed by mail.  You authorize us to complete fund
transfers until we have had a reasonable opportunity to act upon your termination.

We may terminate this Agreement and your use of Dairyland State Bank Internet Banking at any time without cause or prior notice.  This Agreement and your use of the available Internet services will be terminated
automatically if your accounts are closed or access to your account is restricted for any reason.  This Agreement may be terminated at any time without notice due to insufficient funds in one of your accounts.  We
reserve the right to temporarily suspend Dairyland State Bank Internet Banking services in situations deemed appropriate by us, in our sole discretion, including when we believe a breach of system security has occurred or is being attempted.  Termination of the services does not
affect your obligations under this agreement with respect to occurrences before termination.

SECURITY PROCEDURES

By accessing Dairyland State Bank Internet Banking, you hereby acknowledge that you will be entering a protected web site owned by Dairyland State Bank, which may only be used for authorized purposes. 
The bank may monitor and audit usage of the system and all persons are hereby notified that use of the services constitutes consent to such monitoring and auditing.  Unauthorized attempts to upload information
and/or change information on these web sites are strictly prohibited and
are subject to prosecution under the Computer Fraud and Abuse Act of
1986.

To enroll in Internet Banking you must agree to the terms and conditions stated in this agreement and click I ACCEPT.  If you don not agree to
these terms and conditions and do not want to enroll in Internet Banking
 click on I DECLINE.