Disclosures | State Bank


For more details regarding State Bank’s policies and procedures, please review our disclosures.  If you have questions, please contact us


Website Terms of Use 


All visitors to the Bank's website are required to adhere to the following terms and conditions. If you do not wish to agree to the terms and conditions below, you should not access the website or any pages therein.

Illegal Use:

Unauthorized use of State Bank’s website and systems including but not limited to unauthorized entry into our Online Banking system, misuse of passwords, or misuse of any information posted to the Bank's website is strictly prohibited.

Website Content:

Any and all information, product offerings, services, materials, terms and conditions are subject to change without notice.

We reserve the right to determine your eligibility for any product or service.

This website is not directed to children, although we may periodically advertise a special account that may be appropriate for children. Parents of children interested in any of our online services should contact us at one of our branches.  

Linked Third Party Sites:

We maintain this website to provide you with information about our products and services. We may also provide links to various third party websites that may be of interest to you. When you click on links to third party sites, you will leave the Bank's website and be redirected to another site. We do not control the contents of linked third party sites. Linking to third party sites is done at your own risk.

We make no representation or warranty regarding the accuracy of the information contained on linked third party sites.

It is recommended that you always verify the information obtained from linked sites before acting upon the information. Products and services offered by linked third parties are not products offered by State Bank and are not insured by any governmental agency such as FDIC. We are not an agent for any linked third party sites nor do we guarantee or endorse their products or services.

Security and privacy policies on linked third party sites may be different from our policies. Please read their security and privacy policies closely. If you have any questions or concerns about the linked third party sites, please contact them directly.

Use of Information Submitted Through the Website:

If you need to communicate personal or confidential information, please do not use the email feature on this website. It is not a secure email service. Instead contact us by telephone or you may use the secure mail feature on our website. The Bank may use any communication or material that you transmit to the Bank through this website or through electronic mail only for the purposes described in our privacy policy. All information submitted will only be used internally for the purposes intended or allowed by law.

All information submitted to our website, shall be considered and shall remain the property of State Bank. State Bank shall be free to use, for any purpose, any idea, concept, know-how or technique contained in information submitted by a visitor to this website and the Bank shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by direct customer relationship, or as otherwise specially agreed or required by law. Nothing contained herein shall be construed as limiting or reducing the Bank's responsibilities and obligations to customers in accordance with our privacy policy.

Trademark Notices:

All registered and unregistered trademarks are the sole property of their respective owners. Unauthorized reproduction in whole or part is prohibited.

Limitation of Liability:

State Bank will under no circumstances be liable to you and/or any third party for any damages including without limitation direct or any indirect, special, consequential, incidental or punitive damages whatsoever, arising in connection with this website or use therefore or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, line or system failure, even if the Bank has been advised of the possibility of such damages.

Furthermore, State Bank will not be liable for any difficulty in use, or for the incompatibility between this website and your web browser or other site-accessing program. Nor will the Bank be liable for any other problems you experience due to causes beyond our control.

No license to you is implied in these disclaimers, except as may be otherwise expressly provided by written agreement between you and State Bank.

Governing Law:

This website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

This agreement shall be governed by and construed in accordance with federal statues and the laws of Illinois.

Additional Terms:

Certain services or pages on this website may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those services or pages.

Privacy Policy - Rev. 04/01/2015




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.


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 Payment History
  • Income and Credit History
  • Account Balances and Credit Scores

When you are no longer our customer, we continue to share your information as described in this notice


All financial institutions need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial institutions can share their customers' personal information; the reasons we choose to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does 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



For our marketing purposes -
to offer our products and services to you



For joint marketing with other financial companies


We don't share

For our affiliates' everyday business purposes -
information about your transactions and experiences


We don't share

For our affiliates to market to you


We don't share

For non-affiliates to market to you


We don't share


Call 1-618-939-7195 or contact us at www.sbw.bank

What we do

Who is providing this notice?

State Bank

How does 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 State Bank collect my personal information?

We collect your personal information, for example, when you

  • Open an account or deposit money
  • Pay your bills or apply for a loan
  • Use your credit or debit card

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 non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.



Companies related by common ownership or control. They can be financial and non-financial companies.

  • State Bank does not share with our affiliates


Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • State Bank does not share with non-affiliates so they can market to you.

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • State Bank does not jointly market.

Bank Policies 

Unlawful Internet Gambling Notice

In accordance with the requirements of the Unlawful Internet Gambling Enforcement Act of 2006 and Regulation GG, this notification is to inform you that restricted transactions in the business of unlawful internet gambling concerning betting or wagering as defined in the Act are prohibited from being processed through your account or relationship with our bank.

Restricted transactions are those transactions in which a person and/or business accepts credit, funds, instruments or other similar proceeds from another person in connection with unlawful Internet gambling. As defined in Regulation GG, unlawful internet gambling means "to place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the Internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the betting is initiated, received or otherwise made."

 As a commercial customer, these restricted transactions are prohibited from being processed through your account or banking relationship with us. If you engage in an Internet gambling business and open an additional account with us or there is a change in your business activity that permits such activity, you agree to notify us. In addition, you will be asked to provide evidence of your legal capacity to do so.

Trigger Lead Form 

 What is a Trigger Lead?

Trigger leads are created by national credit bureaus. Once you apply for a personal loan or mortgage, your information can be sold by the credit bureaus to other lenders, credit card companies, and insurance companies. When you complete a loan application, the lender pulls your credit report which automatically "triggers" a lead to these companies. The lead informs them you are actively looking to obtain financing. These companies will use that information to contact you and try to win your business. 

 How to avoid trigger leads?

While there is not a sure way to stop Trigger Leads, you can choose to opt-out of future credit bureau solicitations to lessen the likelihood of you receiving unwelcome communication. 

  • Prior to applying for any loan program, you can visit www.optoutscreen.com or call the toll-free number, 1-888-5-OPTOUT (1-888-567-8688). You can choose to opt out for five years or permanently. 
  • If you have recently submitted a mortgage application, you may have noticed you've begun receiving phone calls and emails for companies you did not contact. If you've already selected your mortgage lender, and don't want to be harassed by salespeople making competing offers visit www.optoutprescreen.com or call the toll-free number, 1-888-5-OPTOUT (1-888-567-8688) to sign up to stop the credit bureaus from selling your information as a trigger lead. 
  • The process generally takes five days to complete and will apply only to future lead requests, therefore you may still receive some solicitations. 
  • To eliminate unwanted phone calls, register your phone number(s) on the Do Not Call Registry: www.donotcall.gov. This process can take a few weeks to become effective.

When it comes to solicitations you receive as a result of a trigger lead, it is important to know who you're talking to. It's easy for trigger leads to open you up to identity theft from bad actors looking to take advantage of consumers looking for loans.

At State Bank we are committed to customer privacy and do not sell or give out your contact information, but we cannot stop the credit bureaus from doing so. If you have any questions about this, or any part of the mortgage process, please contact us. We will be happy to assist in any way we can. 

Funds Availability



This policy statement applies to all deposit accounts.

Our general 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. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then the funds will generally be available by the second business day after the day of deposit.

Please remember that even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

Determining the Availability of a Deposit

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit on a business day we are open, we will consider that day to be the day of your deposit. If you make a  Mobile Deposit before 4:00 p.m. on a business day we are open, we will consider that day to be the day of your deposit. However, if you make a Mobile Deposit after 4:00 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. If you make a deposit at an ATM before 3:00 p.m. 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 at an ATM after 3:00 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in one of your accounts. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.

If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. 

Longer Delays May Apply

Case-by-Case Delays - In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $225 of your deposits, however, may be available on the first business day.

If we are not going to make all of the funds from your deposit available on the first business day, after we receive your deposit, we will notify you at the time you make the deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the first business day after we receive your deposit.

If you will need the funds from a deposit right away, you should ask us when the funds will be available.

Safeguard Exception Delays - In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

  • We believe a check you deposit will not be paid.
  • You deposit checks totaling more than $5,525 on any one day.
  • You redeposit a check that has been returned unpaid. 
  • You have overdrawn your account repeatedly in the last six months.
  • There is an emergency, such as failure of computer or communication equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Special Rules for New Accounts

If you are a new customer, the following special rules will apply during the first 30 days your account is open.

Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit, if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of your employees, the first $5,525 will not be available until the second business day after the day of your deposit.

Funds from all other check deposits will be available on the ninth business day after the day of your deposit.

Online Access Agreement & Disclosure 


This Agreement applies to your use of Personal Online Banking (the “System”), Bank's Internet banking portal, which permits you to access your accounts with us via the Internet for services selected by you and agreed upon by us. This Agreement applies to all persons that are parties to the accounts. When used in this Agreement, the terms "you" and "your" refer to each depositor on the account(s) accessible by the System, and the terms "us," "we," and "our" refer to State Bank.


The System is a service provided solely for use by our clients. There are no monthly fees for accessing your account(s) through Online Banking. Certain fees may apply to services ordered online. You will need an access ID and password to gain access to your accounts using the System. During enrollment you will create and confirm a password which you will use to gain access to the System, in conjunction with your assigned access ID. You should protect your password at all times and change it on a regular basis. You agree to keep the password safe and to not record, disclose or make the password available to anyone. Anyone who has access to your password will have full access to your accounts and the services you can perform on the System. You have no ability to limit any such person's authority. If anyone uses your password with your permission (an “Authorized User”), you will be responsible for any transactions performed by that person.

Your Password

For security purposes, you are required to change your password upon your initial login to the System. You determine what password you will use; 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 and agree to change your password regularly. Upon three unsuccessful attempts to access the System, your access will be revoked. To re-establish your authorization to use the System, you must contact us to have your failed login attempts cleared or to obtain a new temporary password. 

Security Information (Our Procedures)

Our System utilizes a comprehensive security strategy to protect accounts and transactions conducted over the Internet. In addition to our login security which incorporates multi-factor authentication (i.e. access IDs, passwords, plus pictures, questions, digital security keys or a personal identification number (“PIN”)), we use secure socket layer (“SSL”) encryption technology for everything done in the System.

Your browser automatically activates this technology when it attempts to connect to our System and it will support the 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 padlock icon at the bottom of the screen from open to locked. Your communications are encrypted from your browser to our servers at all times, so no unauthorized party can read the information as it is carried over the Internet. Additionally, our servers have been certified by a "Certificate Authority" to assure you that you are actually talking to our servers instead of someone pretending to be us.

There is a 10-minute system inactivity default time limit on any screen. Under the system inactivity default time limit, if 10 minutes elapse without you doing anything on the screen, then you will be taken back to the login screen where you will be prompted to re-enter your access ID and password. As long as there is a keystroke or click on the screen, your time will not expire.

Data transferred through the System is encrypted in an effort to provide transmission security. The System utilizes identification technology to verify that the sender and receiver of System transmissions can be appropriately identified by each other.

You agree that these procedures are a commercially reasonable method of providing security against unauthorized payment orders or other transactions and that these procedures are not for detection of errors. We reserve the right to change any process from time to time to implement new measures that are recommended in the industry to respond to new or increased threats.

Security Information (Your Obligations)

You understand the importance of your role in preventing misuse of your accounts through the System, and you:

  • Agree to promptly examine any statement you receive or that we make available to you for each of your accounts in a timely manner; 
  • Agree to protect the confidentiality of your account, and expressly assume responsibility for any transaction conducted by an Authorized User or any Losses that result from the actions (or inactions) of you or an Authorized User;
  • Understand that certain identification information by itself or together with information related to your account may allow unauthorized access to your accounts;
  • Acknowledge that, notwithstanding our efforts to ensure that the System is secure, the Internet is inherently insecure and that transmission of electronic mail occurs openly on the Internet and can potentially be monitored and read by others;
  • Understand and acknowledge that we cannot and do not warrant that email transmitted to and from us, will not be monitored or read by others;
  • Understand and agree that we are not responsible for any electronic virus or viruses that you may encounter;
  • Agree to routinely scan your computers and removable devices using a reliable virus detection product to detect and remove any viruses, but understand and acknowledge that there are certain viruses, malware, etc., which may not be detectable by commercially available software and agree that the Bank shall have no liability for any such intrusions, except as otherwise set forth herein;
  • Agree to install, maintain, update and utilize industry standard security products that are appropriate for you, including, without limitation, firewalls, anti-virus protection software, anti-spyware protection, operating systems and applications with the latest patches, and a browser product that indicates the web site you are on; and
  • Agree to comply with the password requirements set forth herein, as such password requirements may be changed from time to time, and to employ reasonable steps in selecting, maintaining, and protecting passwords and other codes and access devices related to the System, the services and your accounts.

Lost or Stolen Password

If you believe your password has been lost or stolen, or someone has transferred money or may transfer money from your account without your permission, you should notify us immediately. Calling us at 618-939-7195 is the best way of minimizing your potential losses; however, you may write to us at the address provided under the Contact Information section of this Agreement. You could lose all the money in your account (plus your maximum overdraft line of credit, if any).

The following rules established by Regulation E govern your liability unless the laws of the state governing your account impose lesser liability on you. If you tell us within two (2) business days after you learn of the loss or theft of your password, you can lose no more than $50.00 if someone used your password without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your password, and we can prove we could have stopped the unauthorized transactions if you had told us, you could lose as much as $500.00.

Also, if your statement shows transfers that you did not make, including those made by use of your password or other means, and you do not tell us within sixty (60) days after the statement was made available to you, you may not get back any money you lost after the sixty (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 a hospital stay) kept you from telling us, we will extend the time periods.


The System is available 24 hours a day, seven days a week for purposes of electronic transactions, and our business days are Monday through Friday, excluding holidays as determined by us. All transaction requests initiated through the System and received after 4:00 p.m. (Central Standard Time) Monday through Friday will be processed the next business day. Any transactions initiated on non-business days, or holidays will be processed the next business day.

System Services

You can use the System to perform any of the following:

  • Transfer Funds between accounts 
  • View & download account information 
  • View and print statements 
  • View images of paid items and deposit tickets 
  • Elect to receive eStatements 
  • Initiate bill payments
  • Communicate with us via secure e-mail
  • Place stop payment orders on checks

Transfer Limitation

You may not make more than six (6) transfers and withdrawals, or a combination of such transfers and withdrawals, per month from a savings or money market deposit account that you maintain with us to another account you maintain with us or to a third party by means of a pre-authorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction, or by check, draft, debit card, or similar order made by you and payable to third parties. Each electronic fund transfer initiated through the System from your savings or money market deposit account is counted as one of the six limited transfers you are permitted each month.

Bill Payment Service and PopmoneySM Payments Service

Using the System, you may access the Bill Payment Service and the PopmoneySM Payments Service, (collectively, the “Payment Services”). The Payment Services allow you to initiate and receive payments electronically (the Bill Payment Service can be used to initiate payments only) from and to your account(s) with us. Your use of the Payment Services is governed by this Agreement as well as a separate agreement that will be made available to you through the System prior to your initial use of the Payment Services. In the event that any term or condition of this Agreement conflicts with a term or condition of the separate agreement, the term or condition of the separate agreement shall control. Bill pay services may have additional fees that will be disclosed to you at the time you sign up for these services.

Cancel a Pending Electronic Funds Transfer

You may cancel or change a pending electronic fund transfer that was initiated in the system by selecting the transfer and changing or deleting the amount and date fields. The instruction to cancel or change the transfer must be completed by 4:00 p.m. If the change is not made by that time, we may process the transaction.

Stop Payment Orders

You may place stop payment orders on checks using the System. When placing a stop payment order, you agree to indemnify us and hold us harmless for all losses incurred by us due to our refusal to pay the check. You acknowledge that, under the law, there are some situations where a check can be enforced against you even though you ordered us to stop payment. In such instances, we will not be liable to you for refusing to enforce your stop payment order. We will not have a duty to stop payment until you have given us the number, the exact amount of the item and the name of the payee. In addition, we must have had a reasonable opportunity to act on your stop payment order prior to the earlier of our payment of it or one hour after the opening of the next business day after the business day we received it. The information we require you to submit in connection with your stop payment order must be exactly correct to enable our computer system to match the payment to be stopped to your stop payment order.

A stop payment order on a check is effective for six months unless you renew the notice in writing within that time, in which case the stop payment order will be effective for an additional six month period. At our option, we may continue stop payment orders beyond these time periods unless cancelled by you. Stop payment orders received after regular banking hours or on a holiday shall be deemed received at the opening of business on the next business day.

If we pay an item despite your timely stop payment order, the following rules will apply: (a) you will have to prove to us that you have suffered a loss and, if so, the amount of the loss; (b) we will be able to enforce any rights that the original payee or any other person who held the check had against you; (c) we will not re-credit your account until you prove your loss and we are satisfied that we are required by law to do so; and (d) if we re-credit your account, you agree to sign a statement describing the dispute with the payee or other holder of the check, to transfer to us all of your rights against the payee or other holder of the check, and to assist us in legal action taken against that person. A stop payment order will be released only upon written request from the account owner who authorized the stop payment order to be placed. If you submit a stop payment request to us, we will charge your account the fee for such service specified on our current fee schedule, as amended from time to time.


When you schedule an electronic funds transfer using the System, you authorize us to withdraw the necessary funds from your account with us. We deduct the amount of your funds transfer from your account on the date we process your instruction. Each instruction to us to withdraw or transfer funds from your account is an order to us to make the payment from that account at that time or on a later date, if any, indicated in the instruction. We may charge payments you instruct us to make to your account even though the charge creates an overdraft, or we may refuse to make the payments if the charge creates an overdraft. If you overdraw your account, you agree to immediately pay us the overdrawn amount, together with any applicable fees. If the account is maintained in connection with an overdraft credit plan, any overdraft will be made in accordance with the agreement or rules governing that account rather than this Agreement.


Your System account activity will appear on the account statements we make available to you. We will make available to you an account statement each month in which an electronic fund transfer is made to or from your account. If there are no transfers in a particular month, you will receive your account statement at least quarterly.

In Case of Errors or Questions About Your Electronic Transfers

Telephone us at 618-939-7195, write us at PO Box 148 Waterloo, IL 62298 or email us at ibanking@sbw.bank as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we made available to you the FIRST statement available on which the problem or error appeared.

  1. Tell us your name and account number (if any). 
  2. Describe the error or the transfer in question, and explain why you believe it is an error or why you need more information.
  3. The dollar amount of the suspected error.
  4. The date on which it occurred.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days 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 within 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Limitation of Liability

We will be liable to you for damages proximately caused by our failure to make a properly requested electronic fund transfer, in accordance with the terms and conditions of this Agreement, in the correct amount or in a timely manner. Notwithstanding the foregoing, unless required by law, we will not be liable to you if:

  • The error results from any malfunctions of your browser, Internet service provider, computer, computer virus or other problems relating to the computer equipment you use with the Internet service, including, without limitation, your inability to access Internet service or any part of Internet service.
  • Through no fault of ours, your account does not contain sufficient collected funds to make the transfer.
  • The money in your account is subject to legal process or other encumbrances restricting the transfer.
  • The transfer would go over the credit limit on your overdraft credit plan, if any.
  • The transfer system was not working properly and you knew about the breakdown when you started the transfer.
  • An act of God or circumstances beyond our control (such as fire or flood) prevent the transfer or use of Internet service despite reasonable precautions that we have taken.
  • Incomplete or inaccurate information is forwarded to us by you or through an automated clearinghouse.
  • You have not provided us with complete and correct payment information, including without limitation the name, address, account number and payment amount for the payee on a bill payment.
  • You have not properly followed the instructions for using the Internet service.
  • Your operating system is not properly installed or functioning properly.
  • You, or anyone you allow, commits any fraud or violates any law or regulation.

If any of the circumstances listed above should occur, we will assist you with reasonable efforts in taking appropriate corrective actions to reprocess the transactions that may not have been completed or to correct any incorrect transactions that may have been processed. Unless otherwise required by law, our sole responsibility for an error directly caused by us in transferring funds will be to correct the error. In no case will we be liable for any indirect, special, incidental or consequential damages in connection with or in any way related to Internet service.

Other Agreements

In addition to this Agreement, the terms and disclosures you received at the time your accounts were opened with us remain in full force and effect. In the event of a conflict between this Agreement and any other account rules and agreements that apply to your accounts, this Agreement shall control.

We may change your System status to inactive if you do not sign on to the service or have any transaction scheduled through System during any consecutive ninety (90) day period. If your account is considered inactive, you must contact us to have the System activated before you could use the service again.

Disclosure of Information to Third Parties

We may disclose information to third parties about your account or the transfers you make, as permitted by law, including, without limitation: where it is necessary for completing or tracing transfers or resolving errors or claims; to verify the existence and condition of your account for a third party, such as a credit bureau or merchant or other financial institution; to comply with court orders or other legal process; to comply with subpoenas, summonses, search warrants or requests from government agencies; to other companies affiliated with us; to others with your consent; and whenever required by law.

System Support

You understand that some support and services relating to the System, are provided by third parties other than us, and you authorize us to contract with third parties to provide such support and service.


We may modify, suspend or terminate your privilege of using the System and may withhold approval of any transaction, at any time, without prior notice to you. In the event we terminate Internet service, we will try to notify you in advance but are not required to do so. You will be notified as soon as practicable. Any one person who can use the account accessible with Internet service may terminate Internet service. Termination shall not affect the rights and obligations of the parties for transactions made with the Internet service before we have had a reasonable time to respond to your termination request. Your termination of your Internet service will automatically terminate any pending transfers and payments.


We reserve the right, at our sole discretion, to amend this Agreement or change the services provided to you pursuant to this Agreement at any time. Unless an immediate modification or change is necessary to ensure the security of the services or your accounts with us, we will send you notice to the mail address or e-mail address for you reflected in our records at least twenty-one (21) days before the effective date of any modification or change if required by law.

Contact Information

You can contact us by one of the following methods:

  1. By initiating an e-mail through the System
  2. By calling 618-939-7195, 8:00 a.m. to 5:00 p.m. Monday through Friday (Central Standard Time)
  3. By writing a letter and sending it to us at the following address:
    State Bank
    ATTN: Operations Department
    P.O. Box 148
    501 N. Market Street
    Waterloo, IL 62298

Mobile Banking Agreement & Disclosures 


State Bank (SB) strives to provide the highest quality Mobile Banking Service (Service) available. By using this application, you agree to all the terms and conditions contained in this Agreement and Disclosure (Agreement).

We may offer additional Mobile Banking services and features in the future. Any added Service(s) and features will be governed by this Agreement and by any terms and conditions provided to you at the time the new Service or feature is added. These terms and conditions may be modified or cancelled from time to time without notice, except as required by Law.


As used in this Agreement and Mobile Banking services, the following words will have the definitions given below:

  • “Account(s)” means your eligible State Bank savings, checking, certificate of deposit, loan or other product information, which can be accessed through the Mobile banking service. “
  • Agreement” means this Mobile Banking Agreement.
  • “Device” means a supportable mobile device including a cellular phone, smart phone, or other mobile device that is web-enabled and allows Secure Sockets Layer “SSL” traffic capable of receiving text messages. Your wireless carrier may assess fees for data, text messaging, or web services. Please consult your wireless plan provider for details.
  • “Mobile Banking” means the banking services accessible from the Device.
  • “We,” “Us,” and “Bank” means State Bank.
  • “Website” means State Bank’s website: http://www.sbw.bank
  • “You” and “Your(s),” means each person with authorized access to your Account(s) who applies and uses the Mobile Banking service.

Mobile Banking Service

Mobile Banking is offered as a convenience and supplemental service to our Online Banking services. It is not intended to replace access to Online Banking from your personal computer or other methods you use for managing your accounts and services with us. Mobile Banking allows you to access your State Bank account information, use bill pay, transfer funds between your accounts and view history of banking transactions.

We reserve the right to limit the types and number of accounts eligible and the right to refuse to make any transaction you request through Mobile Banking. We may also reserve the right to modify the scope of the Mobile Banking Service at any time.

Mobile Banking may not be accessible over some network carriers. In addition, the Mobile Banking Service may not be supportable for all Devices. State Bank cannot guarantee and is not responsible for the availability of data services provided by your mobile carrier, such as data outages or “out of range” issues.

You agree to accept responsibility for learning how to use Mobile banking in accordance with the online instructions and agree that you will contact us directly if you have any problems with the service. We may modify the Mobile Banking Service from time to time at our sole discretion. In the event of any modifications, you are responsible for making sure you understand how to use the service as modified. You also accept responsibility for making sure that you know how to properly use your Device and we will not be liable to you for any losses caused by your failure to properly use the Mobile Banking Service or your Device.

You agree that, when you use Mobile Banking, you remain subject to the terms and conditions of your existing agreements with any unaffiliated service providers, including, but not limited to, your mobile service provider and that this Agreement does not amend or supersede any of those restrictions which might impact your use of Mobile Banking (such as data usage or text messaging charges imposed on you by your mobile service provider for uses of or interaction with Mobile Banking), and you agree to be solely responsible for all such fees, limitations, and services. Accordingly, you agree to resolve any problems with your provider directly without involving us.

Any deposit account, loan or other banking product accessed through this Mobile Banking Service is also subject to the Account Agreements and Disclosures provided at time of Account opening. You should review the account disclosures carefully, as they may include transaction limitations and fees, which might apply to your use of Mobile Banking.

Equipment and Software

SB does not guarantee that your device or mobile phone service provider will be compatible with Mobile Banking. Mobile phones and other devices with Internet 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. SB will not be responsible or liable for any indirect, incidental, special or consequential damages which may result from such viruses. SB will also not be responsible if any non-public personal information is accessed via Mobile Banking due to any of the above-named viruses residing or being contracted by your device at any time or from any source.

SB is not responsible for errors or delays or your inability to access the service caused by your device. We are not responsible for the cost of upgrading the device to remain current with the service. We are not responsible for any damage to the device or the data within.

Permitted Mobile Banking Transfers

You may use the Mobile Banking Service to transfer funds between your eligible State Bank accounts (Internal Transfer). You may not transfer to or from an Account at another financial institution using our Mobile Banking Service.

Federal regulations require financial institutions to limit the way withdrawals may be made from a savings or money market account. Each transfer from a savings or money market account using Mobile Banking is counted as one of the limited transactions permitted each monthly statement cycle period, as described in the Deposit Account agreement and Disclosures.

We may also limit the type, frequency and amount of transfer for security purposes and may change or impose limits without notice, at our option.


A per deposit item fee may be charged for the Service. You are responsible for paying the fees for the use of the Service. Any fee that is charged will be disclosed prior to your deposit. State Bank may change the fees for use of the Service at any time pursuant to the section titled "Acceptance of these Terms" above. You authorize State Bank to deduct such fees from the same bank account as your mobile deposit.


Account Ownership/Correct Information: You represent that you are the legal owner of the Accounts and other financial information, which may be accessed using Mobile Banking. You represent and agree that all information you provide to us in connection with Mobile Banking is accurate, current and complete, and that you have the right to provide such information to us for the purpose of using Mobile Banking. You agree not to misrepresent your identity or your account information. You represent that you are an authorized user of the Mobile Device you will use to access mobile Banking.


You agree to take every precaution to ensure the safety, security and integrity of your account and transactions when using Mobile Banking. You agree not to leave your Mobile Device unattended while logged into Mobile Banking and to log off immediately at the completion of each access by you. You agree not to provide any of your access information to any unauthorized person. If you permit other persons to use your Mobile Device, login information or any other means to access Mobile Banking, you will be held responsible for any transactions they authorize and we will not be liable for any damages resulting to you.

We make no representations that Mobile Banking will be available for use in locations outside of the United Sates. Accessing Mobile Banking from locations outside of the United Sates is at your own risk.


You agree not to use Mobile Banking or the content or information delivered through Mobile Banking in any way that would be considered illegal.


Unless caused by our intentional misconduct or gross negligence, you agree to indemnify, defend and hold harmless State Bank its officers, directors, employees, consultants, agents, service providers, and licensors from any and all third party claims, liability, damages, expenses and costs caused or arising from (1) a third party claim, dispute, action, or allegation of infringement, misuse, or misappropriation based on information, data, files, or otherwise in connection with the Mobile Banking Service; (2) your violation of any law or rights of a third party; or (3) your use, or use by a third party of Mobile Banking.

Text Banking Agreement 

State Bank Text Banking is a service provided by State Bank. The terms “we”, “us” or “our” mean the bank. The terms “you” or “your” mean the customer who uses this service.

By using the State Bank of Text Banking service, you agree to the following terms and conditions:

  1. We may send any State Bank Text Banking message through your communication service provider in order to deliver them to you. You agree that your communication services provider is acting as your agent in this capacity. 
  2. You agree to provide a valid phone number for this service so that we may send you certain information about your applicable account. We will determine in our sole discretion what information we make available through this service. 
  3. You agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys' fees) arising from your provision of a phone number that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of the Agreement.
  4. You are responsible for adding, changing and/or deleting text message alerts when there is an account ownership change.
  5. State Bank Text Banking is provided for your convenience and does not replace your monthly account statement(s), which are the official record of your accounts.
  6. This service may not be encrypted and may include personal or confidential information about you, such as your account activity or status. You agree to protect your communications device that receives information through this service and not to let any unauthorized person have access to the information we provide to you through this service.
  7. We will not send you marketing messages through the State Bank Text Banking service.
  8. Receipt of account information through State Bank Text Banking may be delayed or impacted by factor(s) pertaining to your phone carrier or other parties.
  9. We will not be liable for losses or damages caused in whole or in part by your actions or omissions that result in any disclosure of account information to third parties. Also, nothing about State Bank Text Banking creates any new or different liability for us beyond what is already applicable under your existing account agreements.
  10. State Bank Text Banking is only available to customers who have a consumer deposit account with us, or such other accounts as we make available from time to time in our sole discretion.
  11. There is no separate service fee for this service but you are responsible for any and all charges, including, but not limited to, fees otherwise applicable to your account(s) and fees associated with text messaging imposed by your communications service provider. Message and data rates may apply. Such charges may include those from your communications service provider. Message frequency depends on user preferences.
  12. To cancel this service, send STOP to 39257 at any time. For help or information on these products, send HELP to 39257. You will never receive a State Bank Text Banking message that asks you to send us any sensitive personal or financial information such as your social security number or your full account number. If you ever receive such a request for sensitive personal or financial information, do not respond to the message and call us at 618-939-7195 to report the incident. For additional assistance, contact customer service at 618-939-7195.

The terms and conditions in this Agreement are in addition to, and do not supersede or replace, any other agreements applicable to any of your accounts with us. 


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