Online Banking

Southwest Bank's Online Access Agreement

  1. Introduction
    This Online Access Agreement for accessing your accounts via Southwest Bank Online (“Data Bank”) explains the terms and conditions governing the following online services: banking, bill payments and other banking services offered through Southwest Bank Online Services. The accounts that may be accessed via Data Bank include only accounts maintained with Southwest Bank. By using the Data Bank Service you agree to abide by the terms and conditions of this Online Access Agreement. Data Bank will be governed by and interpreted in accordance with all applicable federal laws, regulations, and the laws of the state of Texas. The following rules will apply to the extent there is no applicable federal law or regulation. The account or service you are accessing via Data Bank will be governed by and interpreted in accordance with the laws of Texas. The terms “we,” “us,” “our,” and “Bank” refer to Southwest Bank. “You” refers to each signer on an account. The term “business day” shall mean every day except Saturdays, Sundays and federal holidays.

    Data Bank can be used to access certain accounts through Southwest Bank Online. The applicable Terms and Conditions of our Account Agreement (your “Terms and Conditions Disclosure Agreement”) also governs each of your accounts at the Bank.
  2. Accessing Your Bank Accounts through Data Bank
    1. Requirements
      To access your account through Data Bank, you must have an eligible Bank account and an online password.
    2. Fees
      There are no monthly or transaction fees for accessing your account(s) through Data Bank. Other fees, as described in the applicable Terms and Conditions Disclosure Agreement, may apply to services ordered online and to transfers from a credit account.

      Please note that fees may be assessed and billed separately by your online service provider.
    3. Electronic Mail (E-mail)
      Sending E-mail is a way to communicate with customer service of the Bank. To ensure the security of your account information, we recommend that you use E-mail when asking specific questions about your account(s).

      You cannot use E-mail to initiate transactions on your account(s). For banking transactions, please use the appropriate functions within Southwest Bank Data Bank, PhoneBank, or call 817-292-4820.
    4. New Services
      Southwest Bank may, from time to time, introduce new Data Bank services. We shall update this Online Access Agreement to notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the terms contained in this Online Access Agreement.
    5. Benefits of Using Data Bank
      Through Southwest Bank Data Bank, you can manage your eligible personal or business accounts from your home or office on your personal computer. You can use Data Bank to:
      • View account balances and review transaction history.
      • Transfer money between accounts.
      • Transfer money to pay your Southwest Bank line of credit.
      • Set up an Automatic Transfer to make monthly transfers from one account to another.
      • Communicate directly with customer service of the Bank via E-mail.
      • Initiate online bill payments.
    6. Loan Information
      Loan and accrued interest balance information has been provided solely for the convenience of our customers. This information should not be construed to be the final amount owed by the customer to Southwest Bank. To obtain loan payoff information as of a certain date, or other information about your loan according to the terms and conditions of your loan documents, please contact Southwest Bank, Attention: Loan Operations, P. O. Box 962020, Fort Worth, Texas 76162-2020, or by calling 817-292-4820.
    7. Log In
      The password used to log in to access Southwest Bank’s Data Bank website is case sensitive. For added security, the program is sensitive to upper and lower case letters. For this reason, it is very important to remember how you logged on the first time.
  3. Terms and Conditions 
    First time access of your accounts through Data Bank confirms your agreement to be bound by all the terms and conditions of this Online Access Agreement and acknowledges your receipt and understanding of this disclosure.
    1. Your Data Bank Password
      Your current  PhoneBank Password  will give you first time access to your accounts. Data Bank will require you to create a new password.  We recommend that you change your password regularly. We are entitled to act on instructions received under your password. For security purposes, it is recommended that you memorize this online password and do not write it down or give it to anyone. You are responsible for keeping your password and account data confidential.
    2. Payment Account
      Although there are no fees for accessing your accounts via Data Bank, you may be asked to designate a payment account for selected services. You agree to pay promptly all fees and charges for services provided under this agreement, and authorize us to charge the account that you have designated as the payment account or any other account for the fees.

      If you close the payment account, you must notify us and identify a new payment account for the selected services. Additionally, if you close all your accounts, you must notify Customer Service to cancel your Data Bank services.

      Your Data Bank services may be canceled at any time without prior notice due to insufficient funds in one of your accounts. After cancellation, Data Bank services may be reinstated, once sufficient funds are available in your accounts to cover any fees and other pending transfers or debits. In order to reinstate your services, you must call Customer Service at 817-292-4820.

      If you do not schedule or process a payment in your account for any three (3) month period, Southwest Bank reserves the right to disconnect the service.

      You agree to be responsible for any telephone charges, which you incur by accessing your account through Data Bank.

      If you wish to cancel any of your Online Services offered through Data Bank, please contact Customer Service at 817-292-4820 or send us cancellation instructions in writing to Southwest Bank, Customer Service, P.O.  Box  962020, Fort  Worth, Texas 76162-2020.
    3. Our Liability
      Except as specifically provided in this Online Access Agreement or where the law requires different standards, you agree that neither we nor the service providers shall be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, the Bank, or by Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Explorer browser), or by Internet access providers or by online service providers or by an agent or subcontractor of any of the foregoing, nor shall we or the service providers be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the equipment, software, the Online Services, or Internet browser or access software.
    4. Hours of Accessibility
      You can access your accounts seven days a week, 24 hours a day. However, at certain times, some or all of the Online services may not be available due to system maintenance. During these times, you may use the PhoneBank telephone service, a Southwest Bank ATM , or a financial center to conduct your transactions.

      A transfer or bill payment initiated through Data Bank by 6:00 p.m. (Central Time) on a business day is posted to your account the same day. All transfers completed after  6:00 p.m. (Central Time) on a business day or on a Saturday, Sunday or banking holiday will be posted on the next business day.
    5. Confidentiality
      We will disclose information to third parties about your account or the transfers you make:
      • Where it is necessary for completing transfers.
      • In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant.
      • In order to comply with a government agency or court orders.
      • If you give us your written permission.
  4. Data Bank Bill Payments
    1. A. Using the Service
      Bill payment service allows you to schedule bill payments through Data Bank. You can arrange, at your option, for the payment of your current, future, and recurring bills from a checking account or Money Market Account, up to the balance in your account, if applicable per payee/merchant each business day. There is no limit to the number of payments that may be authorized. You may pay any merchant or individual approved by Southwest Bank for payment through Data Bank. We are unable to process any payments to federal, state, or local tax agencies.

      By furnishing us with the names of your payees/merchants and their addresses, you authorize us to follow the payment instruction to these payees/merchants that you provide us. You may pay an unlimited number of payees. When we receive payment instructions (for current or future date), we will remit the funds to the payee on your behalf, from the funds in your selected account, on the day you have instructed them to be sent (“Payment Date”). However, we shall not be obligated to make any such payment unless your account and/or overdraft protection plan has sufficient funds or credit availability to pay the bill on the Payment Date. Funds for ALL bill payments (whether these payments are made electronically or by check) will be withdrawn from your account ON THE DAY the payment is scheduled TO BE SENT TO THE PAYEE.

      You have the right to cancel or change any scheduled payment. You must cancel the payment by no later than 2:30 p.m. (Central Time), on or before the Payment Date by E-mail or calling Southwest Bank Customer Service at 817-292-4820. If your cancellation order is given to the Bank orally, you are required to confirm it within 14 days of your oral notification. This written confirmation may be made by E-mail to us at databankcentral@southwestbank.com or by mail to Southwest Bank, Customer Service, P. O. Box  962020, Fort Worth, Texas 76162-2020. Your oral notification will cease to be binding if you fail to confirm it within 14 days. If we fail to cancel a payment which you have previously authorized after you have timely and properly instructed us to do so, we will be liable for your losses or damages.

      NOTE: Any payments made require sufficient time for your payee to receive the payment and credit your account properly. To avoid incurring a finance or late charge, you must schedule a payment sufficiently in advance of the due date of your payment. When you schedule payments: YOU MUST SCHEDULE THE PAYMENT AT LEAST 5 FULL BUSINESS DAYS PRIOR TO THE DATE THE PAYMENT IS DUE AT YOUR PAYEE.

      If you have timely scheduled a bill payment as required above and we do not properly complete a bill payment on time or in the correct amount, we will pay any late fees or finance charges as long as your account was in good standing with the merchant prior to this incident. We will also be liable to you, to the extent provided by law, if we fail to stop a payment pursuant to your timely order to do so as set out above. We shall not be responsible for any charges imposed or any other action taken by a payee resulting from a payment that you have not scheduled properly, including any applicable finance charges and late fees. In addition, we will not be liable if any third party through which any bill payment is made fails to properly transmit the payment to the intended payee. We will also not be liable if there are insufficient funds or credit availability in your designated payment account and/or overdraft protection plan; if a legal order directs us to prohibit withdrawals from the payment account; if the payment account is closed or frozen; or if any part of the electronic funds transfer system is not working properly. We will not be liable for any amounts other than as stated above and, specifically, will not be liable for any other direct, indirect, special, or consequential damages arising out of the use of.

      Southwest Bank reserves the right to terminate your use of Data Bank at any time.

      If, for any reason, you should wish to cancel Data Bank, we strongly suggest you cancel all future bill payments at the same time you cancel your service. We will automatically delete all outstanding payment orders (all individual payments and all recurring payments) once we have been notified that your service has been terminated. We will continue to maintain your accounts until you notify us otherwise.
  5. General Terms
    1. In General
      We reserve the right to change the charges, fees or other terms described in this Online Access Agreement. When changes are made, we will update this Online Access Agreement and either send a notice to you at the address shown on our records, or send you an electronic mail message (E-mail). The notice will be posted or sent at least Sixty (60) days in advance of the effective date of any additional fees for online transactions, or of any stricter limits on the type, amount or frequency of transactions or any increase in your responsibility for unauthorized transactions, unless an immediate change is necessary to maintain the security of the system. If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with electronic or written notice within Sixty (60) days after the change. As always, you may choose to accept or decline changes by continuing or discontinuing the accounts or services to which these changes relate. We also reserve the option, in our business judgment, to waive, reduce or reverse charges or fees in individual situations. The applicable Terms and Conditions Disclosure Agreement governs changes to fees applicable to specific accounts.
    2. Questions or Error Correction on Acounts
      In case of questions or errors about online funds transfers or bill payments made through Data Bank involving a Bank account, you should do one of the following:

      We must hear from you no later than Sixty (60) days after we have sent the first paper or online statement on which the problem or error appeared. If you notify us verbally, we may require that you send us your complaint or question in writing within ten (10) business days.
      • E-mail Customer Service at info@southwestbank.com
      • Call Customer Service at 817-292-4820.
      • Write to Southwest Bank, Customer Service, P. O. Box  962020, Fort Worth, Texas 76162-2020, as soon as you identify any errors or discrepancies in your statement or transaction record, or if you need more information about a transaction listed on the statement or transaction record.
      When you tell us about the problem, please:
      • Tell us your name and account number.
      • Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is in error or why you need additional information.
      • Tell us the dollar amount of the suspected error.
      • For a bill payment, tell us the checking account number used to pay the bill, payee name, date the payment was sent, payment amount, reference number, and payee account number for the payment in question.
      We will determine whether an error occurred within ten (10) business days after we hear from you, and we will correct any error promptly. If we need more time, however, we may take up to 45 calendar 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 use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint in writing and we do not receive it within 10 business days, we may not credit your account while we complete our investigation. We will tell you the results of our investigation within three business days after we complete our investigation. If we decide that there was not error, we will send you a written explanation. You may ask for copies of the documents used in our investigation.

      If we do not complete a transfer or bill payment  to or from your Bank account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages as provided elsewhere in this Agreement. However, there are some exceptions. We will not be liable:
      • If, through no fault of ours, you do not have enough money in your account and designated overdraft protection plan to make a transfer or bill payment.
      • If a legal order directs us to prohibit withdrawals from the account.
      • If your account has been frozen.
      • If your account is closed.
      • If you, or anyone you allow, commits any fraud of violates any law or regulation.
      • If any electronic terminal, telecommunication device or any part of the electronic funds transfer system is not working properly and you knew about the breakdown when you started the transfer.
      • If 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.
      • If you have not properly followed the instructions for using Data Bank service.
      • If circumstances beyond our control (such as flood, fire, improper transmission, or handling of payments by a third party) prevent the transfer or bill payment, despite reasonable precautions taken by us.
      Southwest Bank cannot be responsible for customer errors or negligent use of the Data Bank service and will not cover losses due to:
      • Input errors or misuse of the Online service.
      • Negligent handling or sharing of passwords leading to an unauthorized access to your accounts.
      • Leaving your computer unattended during an Online Banking session –you must “Sign Off/Log Off” to end your session.
      • Failure to report known incidents of unauthorized account access within 2 business days.
    3. Other General Terms
      • Other Agreements – In addition to this Online Access Agreement you agree to be bound by and will comply with the requirements of the applicable Terms and Conditions Disclosure Agreement, the Bank’s rules and regulations, the rules and regulations of any funds transfer system to which the Bank belongs, and applicable state and federal laws and regulations. We agree to be bound by them also.
      • Bank’s Right to Terminate this Agreement – The Bank reserves the right to terminate this Online Access Agreement and your access to Online Services through Data Bank, in whole or in part, at any time.
  6. Protecting your Account
    1. Preventing Misuse of your Account
      Your role is very important in the prevention of any wrongful use of your account. You will receive a monthly account statement. You must promptly examine your statement upon receipt. If you find that your records and ours disagree, you must immediately call Customer Service at  817-292-4820 or write us at our address set out elsewhere in this Agreement.

      Protecting Personal Information – In addition to protecting your account information, you should take precautions to protect your personal identification information, such as your Social Security Number, driver’s license number, etc. The disclosure of the information by itself or together with information regarding your account may allow unauthorized access to your account(s). It is your sole responsibility to protect personal information with the same level of care that you protect your account information.

      Taking Care of Your Online Password – The password that is used to gain access on Online Services through Southwest Bank should be kept confidential. For your protection we recommend that you change your online password regularly. We recommend that you memorize this online password and do not write it down. You are responsible for keeping your password, account numbers and other data confidential. If you believe that your online password may have been lost or stolen, or that someone has transferred or may transfer money from your account without your authorization or permission, immediately notify Southwest Bank Customer Service at 817-292-4820 or write us at the address set out elsewhere in this Agreement.
    2. Unauthorized Transactions in Your Bank Accounts
      Notify us immediately if you believe another person has improperly obtained your online password. Also, notify us if someone has transferred or may transfer money from your Bank deposit account without your authorization or permission, or if you suspect any fraudulent activity on your account. Only reveal your account information number to a legitimate entity for a purpose you authorize (such as your utility company or insurance company for automatic payments). To notify us, call Customer Service at 817-292-4820 or write to Southwest Bank, Customer Service, P. O. Box 962020, Fort Worth, Texas 76162-2020.

      If your online password has been compromised and an unauthorized transfer has occurred and you tell us within two (2) business days after you learn of the theft or loss, you can lose no more than $50 if someone used your online password without your authorization or permission to access a Bank deposit account. If you DO NOT tell us within two (2) business days after you learn of the theft or loss, and we can prove we could have stopped someone from taking money without your authorization or permission had you told us, you could lose as much as $500.

      Also, if your statement shows transfers, withdrawals or purchases you did not make or authorize, please notify us at once. If you do not notify us within sixty (60) days after the paper or online statement was sent to you, and we could have stopped someone from taking money if you had told us in time, you may not get back any money lost after the sixty (60) days. If extenuating circumstances, such as a long trip or hospital stay, kept you from telling us, the time periods in this section will be extended.
  7. Electronic Communications
    You can choose to receive the following information in paper form or electronically: monthly account statements, our Billing and Error Resolution Notice, and change-in-terms notices.

    By accepting below, you are indicating your choice to receive your statements, disclosures, and notices electronically. This information will be available at www.southwestbank.com for a minimum of 180 days, and will be accessible with your Access ID and Password. After that time, the information will be available upon request by contacting Customer Service at 817-292-4820.

    When information about your account statement is available, we will notify you by sending you a message at the electronic mail address you provide to us. Please be advised that you must maintain a physical address on our system, even if you choose to receive statements or disclosures electronically.

    To update your electronic address, update your physical address, if you have questions about receiving disclosures, or if you need technical or other assistance concerning these disclosures, you may contact Customer Service at 817-292-4820, or by electronic mail at www.southwestbank.com or info@southwestbank.com.

    If you no longer wish to receive your statements via our E-Statement system, please contact Customer Service at 817-292-4820 or info@southwestbank.com. You can withdraw your consent to receive your statements electronically without any fee or penalty to you.

Yes, I accept | No, I Decline

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