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Terms & Conditions


Online Banking Terms and Use Agreement

By your application for and use of the online banking services at, you agree to the Online Banking Terms and Use Agreement; a complement to, not a replacement of, agreements and disclosures provided at account opening.

The Dolores State Bank (“Bank”) Online Banking Terms and Use Agreement (“Agreement”) shall govern the use of online banking services available at, hereinafter referred to as (“Service”). The Agreement also describes terms and conditions of fund transfers available using the Service and provides disclosures related to Consumer Accounts required by the Electronic Fund Transfer Act. The Agreement informs you of your rights and obligations with respect to use of the Service.  For any questions regarding this agreement or the Service, call the Customer Service number: 970-882-7600.

The Service

The Dolores State Bank, Dolores, Colorado, agrees to provide online banking services to its customers. In the agreement, “Customer” refers to the person(s) subscribing to or using the Service. An Internet connection, a commonly accepted and recent version of an Internet browser, a User ID and password are needed to obtain account balances and transaction information or to transfer money between accounts. The Service requires a browser with 128-bit encryption to ensure account information remains safe and confidential.

The Service includes the basic features described below:

  • Retrieve information, including real-time account balance (subject to maintenance and downtime) regarding all deposit and loan accounts that are linked to the Service as requested in The Dolores State Bank Online Banking Application;
  • Transfer funds between designated accounts;
  • Obtain an interim activity report that includes all deposit account activity to date

Transactional information for your checking accounts will be available through the Service for three complete statement cycles plus the activity since the most recent statement; savings accounts activity is available for two complete statement cycles plus the activity since the most recent statement.  Loan and Certificate of Deposit transactional information will be available for the life of the account.

Balance Inquiries and Transfers

You may use the Service to check the balance of your accounts and to transfer funds among your designated accounts. To initiate one of these transactions, access on the Internet and sign on to the Service using your User ID and password. The balance displayed by the Service may include deposits still subject to verification by the Bank. The balance shown may also differ from your records because it may not include deposits in progress, check card authorizations, outstanding checks, payments, charges or other withdrawals.

Funds transfers will be made available in accordance with the disclosures given at the time the account is opened. If there are insufficient funds in an account from which you are requesting a funds transfer, the Bank reserves the right to reject your request.

The ability to transfer funds between certain accounts is limited by federal law and the deposit agreement; refer to that agreement for legal restrictions and applicable charges for excessive withdrawals or transfers. Transfers made using the Service will be counted against the permissible number of transfers described in the agreement.

Your Access ID and Password

Security of your transactions is important to the Bank. Use of the Service therefore requires a User ID and password. Each individual who has access to the Service, including each individual named on joint accounts will be given a unique User ID and password. Your password must be a minimum of 4 characters, up to a maximum of 20 characters; the password is case sensitive. When you log-in to the system as a first-time customer, you must use a password designated by The Dolores State Bank. You may be prompted to change your password. You should change your password periodically to enhance security. The Bank reserves the right to require periodic password changes and establish limits on the re-use of passwords.

To guard against unauthorized use of your User ID and password, the Service disables the password on the third incorrect attempt to log-in. The disabling of the password keeps an unauthorized agent from attempting to guess a password. This will occur if you accidentally activate this security feature by unintentionally miss-keying a password three times. You will need to call Customer Service to reestablish the password for your account(s).

If you lose or forget your User ID or password, please call Customer Service during the normal business hours listed on the Dolores State Bank website, on the Contact Us page.

The Dolores State Bank’s Liability of Failure to Complete Transactions

Generally, if the Bank does not complete a transfer to or from your account on time or in the correct amount of time according to our agreement with you and applicable law governing the transfer of money in Colorado, the Bank will be liable for your losses or damages. However, there are some exceptions. The Bank will not be liable, for instance:

  • If, through no fault of the Bank, you do not have enough money in your account to make the transfer;
  • If your computer was not working properly;
  • If circumstances beyond the Bank’s control (such as fire or flood, Internet downtime or Service connectivity problems) prevent the transfer, despite reasonable precautions that the Bank has taken;
  • If the funds are subject to legal or other encumbrance;
  • If Federal Reserve Board, Federal Deposit Insurance Corporation or state banking regulations might prohibit such transfer.

Also, in the case of any error or malfunction which was not intentional on the part of The Dolores State Bank and resulted from a bona fide error, notwithstanding the maintenance of procedures reasonably adopted to avoid any such error, the Bank’s liability is limited only to actual damages proved.


All payments and transfers made with the Service will appear on your monthly account statement. The transfer amount, the date of the transfer, deposit transfer in and deposit transfer out will be shown for each transfer made through the Service during that month.

Business Days/Hours of Accessibility

Unless otherwise defined by this Agreement, a Business Day is any day that the Bank is operating and open for business. All transfers completed on a Saturday, Sunday, or banking holiday or after 3:00 p.m. on a Business Day will be posted on the next Business Day. All transactions, deposits, instructions and entries received by the Bank on a day that is not a Business Day will be treated as if received on the next Business Day. Contact the Bank for information regarding the Bank's normal business hours.

You can usually access your accounts through the Service seven (7) days a week, 24 hours a day. However, at certain times, some or all of the Service may not be available due to system maintenance or reasons beyond the Bank's control. The Bank specifically does not warrant that the Service will be available at all times. During those times when the Service is not available, you may use telephone banking, a participating ATM network (assuming you have applied for and been accepted to utilize such ATM services), or the Bank to conduct your transactions.

Notice of Your Rights and Responsibilities

The Bank may accept as authentic any instructions given to us through the use of your User ID or password. You agree to keep your User ID and password confidential and to notify the Bank immediately if your User ID or password is lost or stolen or if you believe someone else has discovered your User ID or password. You are liable until such time as you have notified the Bank and the Bank has had time to remove such authority from the system. Do not discuss, compare, or share information about your account number(s), User ID, or password, with anyone. The Service enables you to change your password. The Bank may be liable for certain security breaches to the extent required by applicable law and regulation.

The Bank does not assume any other liability or otherwise guarantee the security of information in transit to or from the facilities. Please note that the Bank reserves the right to, but is not obligated to, (1) monitor and/or record all communications and activity related to the Service; and (2) require verification of all requested transfers in a manner the Bank deems appropriate before making the transfer (which may include written verification by you). You agree that the Bank’s records will be final and conclusive as to all questions concerning whether or not your User ID or password was used in connection with a particular transaction.

If any unauthorized use of your User ID or password occurs you agree to (1) cooperate with the Bank and appropriate law enforcement authorities in identifying and prosecuting the perpetrator; and (2) provide reasonable assistance requested by the Bank in recovering any unauthorized transfer of funds.

Notify the Bank immediately if you believe your User ID or password has been lost, stolen, or compromised in any way. Telephoning is the best way of keeping possible losses down. The Bank cannot accept notification of lost or stolen IDs, passwords or unauthorized transfers via email.

If unauthorized transfers appear on your statement, you must notify the Bank within 60 calendar days after the statement was sent; otherwise you face unlimited liability for all unauthorized transfers made after the 60-day period. If you believe your User ID or password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call Customer Service.

Privacy and Confidentiality

Unless you register for a service or otherwise chose to disclose your identity, visitors to remain anonymous. Although no personally identifying information is collected, simply visiting may result in the collection of limited information about the visitor such as IP address (a numeric address assigned automatically to computers when they access the Internet). Further, “cookies” may be placed on a computer to track visitors’ use of A cookie is a small piece of data that is stored on a computer hard drive. It does not provide any personally identifying information about the user.

The Dolores State Bank restricts access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. The Bank maintains physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

The Dolores State Bank collects nonpublic personal information about you from the following sources:

  • Information you provide on applications or other forms,
  • Information from your transactions with us, our affiliates or others,
  • Information from a consumer reporting agency.

The Dolores State Bank will never solicit emails requesting your User ID, password, account number or other personal identity information.

The Dolores State Bank does not disclose nor does the Bank reserve the right to disclose, any nonpublic personal information about our customers or former customers to anyone, except to other nonaffiliated third parties as permitted by law.

The website may contain links to third party websites that offer goods, services or information. When accessing these websites, you are leaving and are no longer subject to this policy; the Bank is not responsible for the information collection practices of other websites.


If you want to terminate your access to the Service, please call Customer Service. The Bank reserves the right to terminate the Service, in whole or in part, at any time with or without cause and without prior written notice. In that event, or in the event that you give the Bank a termination notice, the Bank may (but is not obligated to) immediately discontinue making previously authorized transfers. The Bank also reserves the right to temporarily suspend the Service in situations deemed appropriate, in the Bank’s sole and absolute discretion, including when the Bank believes a breach of the system security has occurred or is being attempted. The Bank may consider repeated incorrect attempts to enter your User ID or password as an indication of an attempted security breach. Termination of the Service does not affect your obligations under this Agreement with respect to occurrences before termination or cooperation after termination.

Limitation of Liability

You are solely responsible for the equipment (including your personal computer) and software you use to access the Service. The Bank is not responsible for errors or delays or your inability to access the Service caused by your equipment. The Bank is not responsible for the cost of upgrading equipment to stay current with the Service nor is the Bank responsible, under any circumstances, for any damage to your equipment or the data resident thereon.

Except as otherwise provided in this Agreement or by law, the Bank is not responsible for any loss, injury or damage, whether direct, indirect, special or consequential, caused by the Service or the use thereof or arising in any way out of the installation, operation, or maintenance of your PC equipment.


You may not transfer or assign your rights or duties under this Agreement.

Governing Law

The laws of the state of Colorado shall govern this Agreement and all transactions hereunder, without giving effect to any conflict of laws rule or principle that might result in the application of the laws of another jurisdiction. Customer acknowledges that he/she has reviewed this Agreement, understands the terms and conditions set forth herein, and agrees to be bound hereby.


The Bank may change a term or condition of this Agreement by mailing or delivering to you a written notice at least thirty (30) days prior the effective date of any such change. The Bank does not need to provide you with any prior notice where an immediate change in the terms or conditions of this Agreement is necessary to maintain and restore the security of the System or an account. However, even in these cases, if the change is to be made permanent. The Bank will provide you with a notice of the change with the next regularly scheduled statement or within thirty (30) days, unless disclosure would jeopardize the security of the System or an account. Notices mailed or delivered to you under this paragraph will be considered effective if mailed to the address on record.


Customer, in consideration of being allowed access to the Service, agrees to indemnify and hold the Bank harmless for any losses or damages to the Bank resulting from the use of the Service, to the extent allowed by applicable law.

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