Holiday Closure
The Dolores State Bank will be closed Monday, November 11th in observance of Veterans Day.
Please read the following Terms and Conditions carefully. They govern your access and use of this Digital Banking smart application (Service).
By accessing or using this service, you agree to be bound by these Terms and Conditions and accept them in full, as they may be modified by The Dolores State Bank (TDSB) from time-to-time and posted on this service.
Although TDSB attempts to provide accurate information, on the Service, it makes no representation, endorsement, or warranty that such contents are accurate or suitable for any particular purpose. The Service and its contents are provided on an "as is" basis. Use of the Service and its contents is at the users' sole risk and is provided without any representations, endorsements, or warranties of any kind whatsoever, either expressed or implied.
Finally, without limitation as to the foregoing, in no event will TDSB, contractors or their respective employees be liable for any damages, arising in connection with the use of the Service or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, line system failure, loss of data or loss of use related to this Service or any service operated by any third party or any contents of this Service or any other service, even if TDSB is aware of the possibility of such damages.
Contents are included in this Service solely for the personal use of Service users. You may not copy (other than a copy for personal use), modify, distribute, transmit, display, perform, reproduce, transfer, resell, or republish any of the contents of this Service without the prior written consent of TDSB, which may be withheld at its sole discretion.
Except where otherwise expressly noted or as noted below, all contents of this Service, including the graphics, icons and overall appearance of the Service, are the sole and exclusive property of TDSB.
TDSB may establish links between this Service and one or more services operated by third parties. TDSB has no control over any such other services or the contents therein. The existence of any such links shall not constitute an endorsement by TDSB of such services, the contents of the services, or the operators of the services.
TDSB may at any time make modifications, changes, and alterations to the contents of this Service, including these Terms and Conditions, without prior notice. You are responsible for regularly reviewing these Terms and Conditions. Your continued use of this Service following any modifications, changes, or alterations shall constitute your acceptance of such modifications, changes, or alterations.
These Terms and Conditions shall be governed by and construed in accordance with the law of the State of Colorado, without regard to the conflict of laws thereof, and to the laws of the United States.
Disputes arising from the use of this Service shall be exclusively subject to the jurisdiction of any federal or state court for Montezuma County, Colorado.
To the extent any portion of these Terms and Conditions is determined to be unenforceable by a court of competent jurisdiction, such portion will be modified by the court solely to the extent necessary to cause such portion to be enforceable, and these Terms and Conditions, as so modified, shall remain in full force and effect.
You may contact TDSB by E-mail or by phone:
E-Mail: help@mydsb.com
Phone: 970.882.7600
General Description of Digital Banking Service Agreement
This Agreement between you and TDSB governs the use of Digital Banking services. These services permit TDSB customers to perform a number of banking functions on accounts linked to the Service through the use of a personal PC, mobile device or mobile smart telephone. Unless indicated otherwise by the context, "linked TDSB accounts" or "linked accounts" refers to all your accounts with TDSB that you have linked to a Digital Banking solution.
When you use any of the Digital Banking services described in this Agreement, or authorize others to use them, you agree to the Terms and Conditions of the entire Agreement.
Your use of Digital Banking services may also be affected by the agreements between us for your linked TDSB accounts. When you link an account to Digital Banking services, you do not change the agreements you already have with us for that account.
Services may be added or removed from time to time. Some of the above services may not be available for certain accounts or customers.
Scheduled and Recurring Transfers
- Transfers scheduled for a weekend or a non-bank business day will be processed on the prior bank business day. All other scheduled and recurring transfers will be processed from the funding account at the beginning of the business day requested.
- Transfers to Loan Accounts
- Transfers to Deposit Accounts
Transfers and Payments made using Digital Banking are subject to the following limitations:
Transfer/Payment Authorization and Sufficient Available Funds
The Mobile Deposit Service provides you the ability to access and make deposits to your designated eligible Accounts using a mobile device (such as a smartphone or tablet) with a camera (referred to herein as a “Capture Device,” as further defined below). The Mobile Deposit Service enables you to use a compatible Capture Device to scan an image of original paper checks (“Original Checks”) that are drawn on or payable through United States financial institutions (each a “Check Image”) and to electronically submit the Check Image and associated deposit information to TDSB from your home or other remote locations using the Mobile Deposit Service for deposit into a designated eligible Account for collection thereafter by TDSB. As used in this Agreement, a “Capture Device” means any device acceptable to us that provides for the capture of Check Images and for transmission through the clearing process. In order to utilize the Service, you must be enrolled in the Digital Banking Service. In addition, we reserve the right to refuse to allow any account to be linked to the Service.
Any Mobile Deposit submitted must have the proper endorsement. Proper endorsement should include your SIGNATURE, as well as FOR MOBILE DEPOSIT ONLY DSB. Improperly endorsed checks will be rejected.
To access the Mobile Deposit Service, you must have or acquire and maintain a compatible Capture Device and a wireless plan from a compatible wireless carrier. The Dolores State Bank will require access to your camera during the deposit process. In addition, you must be willing to accept email communication regarding Mobile Deposits on your mobile device. We do not guarantee your particular mobile device, mobile device camera, mobile device operating system, or mobile carrier will be compatible with the Service. You must also download the app through the Apple App Store for iPhone and iPad applications and the Google Play Store for Android operating system applications.
You may scan and submit Check Images for deposit to TDSB within the dollar limits and other limits established by TDSB. Deposit limits for Mobile Deposits can be for any amount between $1.00 and $3,000 daily. TDSB may at any time at its sole discretion raise or lower deposit limits. The manner in which deposited items are cleared, presented for payment, and collected shall be at The Dolores State Bank’s sole discretion subject to the Deposit Account Agreement governing your Account(s).
You are responsible for (i) maintaining the confidentiality and security of your Capture Devices, access number(s), password(s), security question(s) and answer(s), account number (s), login information, and any other security or access information, used by you to access the Service (collectively, "Access Information"), and (ii) preventing unauthorized access to or use of the information, files or data that you store, transmit or use in or with the Service (collectively, "Account Information"). You agree not to supply your Access Information to anyone. Further, you agree to implement and maintain internal security controls to protect the Access Information, Capture Device, and Account Information thereon. You will be responsible for all electronic communications, including image transmissions, text message, email and other data ("Communications") entered using the Access Information. Any Communications received through the use of the Access Information will be deemed to be sent or authorized by you. You agree to immediately notify us if you become aware of any loss, theft or unauthorized use of any Account Information or Access Information, including your Capture Devices. We reserve the right to deny you access to the Service (or any part thereof) if we believe that any loss, theft or unauthorized use of Access Information has occurred.
You agree to scan and transmit only "checks" as that term is defined in Federal Reserve Regulation CC ("Reg CC") and only those checks that are permissible under this Agreement or such other items as we, in our sole discretion, elect to include under the Service ("Eligible Checks"). If a check or item is dishonored, you will receive an image of the original check or a substitute check as the charged back item. You agree that the image of the check transmitted to us shall be deemed an "item" within the meaning of Articles 3 and 4 of the applicable Uniform Commercial Code. You also agree that no transaction using the Mobile Deposit Service is an “electronic funds transfer” as defined in the Electronic Funds Transfer Act and Regulation E.
You agree that you will NOT use the Service to scan and deposit any checks or other items shown below as these are ineligible for deposit via your mobile device:
You understand that TDSB is not obligated to accept for deposit any Check Image that TDSB in its sole discretion determines to be ineligible for the Mobile Deposit Service, and TDSB is not liable to you for rejecting any check or image transmitted by you. TDSB further reserves the right to charge back to your Account, at any time, any item that we subsequently determine was ineligible. You agree that TDSB is not liable for any loss, costs, or fees that you may incur as a result of our chargeback of an ineligible item. If you deposit any Check Image that is ineligible for the Mobile Deposit Service, you agree to indemnify and reimburse TDSB for, and hold TDSB harmless from and against, any and all losses, costs and expenses (including reasonable attorneys’ fees) TDSB may incur associated with any warranty, indemnity or other claim related thereto.
Mobile Deposits made Monday-Friday before 4:00 pm MT will be credited to your account by 4:30 on the same day. All other deposits will be credited to your account by 4:30 p.m. on our next business day. However, funds deposited via Mobile Deposit may be subject to longer delays under certain circumstances. In accordance with The Dolores State Bank’s (TDSB) Funds Availability Policy, deposits are subject to limits, verification, and other restrictions.
The Dolores State Bank reserves the right to reject any check or item transmitted through the Mobile Deposit Service, at our sole discretion, without liability to you. The Bank is not responsible for items we do not receive or for images that are dropped during transmission. The Dolores State Bank further reserves the right to charge back to your Account, at any time, any item we subsequently determine was not an eligible item. You agree the Bank is not liable for any loss, costs, or fees you may incur as a result of our chargeback of the ineligible item.
You are solely responsible for any checks or other items for which you have been given provisional credit, and any such check or other item which has been returned or rejected may be charged to your Account. You acknowledge that all credits for deposits made through the Mobile Deposit Service are provisional, subject to verification and final settlement.
You shall fully destroy each Original Check in your Check Image deposit fourteen (14) business days following crediting of your Check Image deposit or as TDSB may otherwise instruct to ensure that it is not represented for payment. Prior to destruction, you shall maintain each Original Check in a secure location. You agree not to submit the item to TDSB or to any other person or entity for deposit or credit after the item has been submitted and accepted by TDSB or any other person or entity. During the time the retained check is available, you agree to promptly provide it to the Bank upon request. Following the expiration of the retention period, you agree to use a commercially reasonable method to destroy each Original Check. You are responsible if an Original Check is misused following submission by Check Image deposit and its full destruction.
You make the following representations and warranties to us:
Except as otherwise provided in this Agreement or your applicable account agreements and schedule of fees, there is no monthly service charge for accessing your linked accounts with the Digital Banking service.
In addition to the fees already described in this Agreement, you should note that depending on how you access Digital Banking you might incur charges for:
Digital Banking services are available 365 days a year and 24 hours a day, except during system maintenance and upgrades. When this occurs, a message will be displayed when you sign on to Digital Banking. Our customer service is available from 8:00 a.m. to 5:00 p.m. MT Monday thru Friday and 8:00 a.m. to 12:00 p.m. (Noon) Saturday. You may also contact us at:
E-Mail: help@mydsb.com
Phone: 970.882.7600
Mail: The Dolores State Bank
101 South 6th Street
PO Box 848
Dolores, CO 81323
For Digital Banking services, our business days are Monday through Friday, excluding bank holidays.
If you choose to cancel your Digital Banking services, any unprocessed payments will be canceled. We recommend that you cancel any scheduled payments prior to notifying us that you are discontinuing the service. TDSB will cancel any scheduled payments within two (2) bank business days from the date we receive your request to discontinue the service. If you close your primary checking account, or if it's no longer linked to your service, your Digital Banking service will end, and any unprocessed payments will be canceled. If you cancel your Digital Banking services, transfers outside TDSB will also be canceled.
When your Digital Banking service is linked to one or more joint accounts, we may act on the verbal, written or electronic instructions of any authorized signer. Joint accounts using the same Online ID will be identified as one service.
We may change this agreement at any time. For example, we may add, delete or amend terms or services. We will notify you of such changes by mail or electronic message. If you initiate any transfer of funds or bill payment through your Digital Banking after the effective date of a change, you indicate your agreement to the change.
Your Digital Banking remains in effect until terminated by you or the TDSB. You may cancel your service at any time by notifying us of your intent to cancel in writing or by calling customer service at 970-882-7600. This cancellation applies to your Digital Banking services and does not terminate your TDSB deposit or loan accounts. We recommend that you cancel any scheduled payments prior to notifying us that you are discontinuing the service.
We may terminate your participation in Digital Banking services for any reason, including inactivity, at any time. We will try to notify you in advance, but we are not obligated to do so.
With Digital Banking services we may send messages to your external email address and notify you that responses to your payment inquiries or customer service inquiries are available, or as otherwise described within the Digital Banking services. If you subscribe to e-Bills service, we may also use external email to notify you that you have new bills. We cannot act on instructions sent by you from an external email address.
No TDSB or affiliated parties employee will contact you via email or phone requesting your Digital ID or Digital password. If you are contacted by anyone requesting this information, please contact us immediately.
We may disclose information to third parties about you or your transactions in the following instances:
We report your Digital Banking transactions on the monthly statements for your linked accounts. A description of each transaction, including whom you paid, and the date and amount of the transaction will appear on your statement.
Tell us AT ONCE if you believe that your Digital Banking password has been lost, compromised or may have been discovered by a third party, your Mobile Device has been lost or stolen, someone has transferred or may transfer money from your Account without your permission, or any of your Accounts have been improperly accessed. Calling us immediately at 970-882-7600 is the best way to minimize your possible losses. The unauthorized use of your Digital Banking services could cause you to lose all your money in your accounts.
You will have no liability for unauthorized transactions if you notify us within 60 days after the statement showing the unauthorized transaction has been made available to you. If you do not, you may not get back any of the money you lost from any unauthorized transaction that occurs after the close of the 60-day period, if we can show that we could have stopped the transaction if you had notified us in time.
When you give someone your Digital Banking ID and password, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. If you notify us that the person is no longer authorized, then only transactions that person performs after the time you notify us are considered unauthorized.
Transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions.
For your protection, sign off after every Digital Banking session.
If we do not complete a transaction to or from your account on time, or in the correct amount according to our Agreement with you, we will be liable for your losses or damages. However, there are some exceptions. For instance, we will not be liable: