West Salem, WI

Where Customers and Community Come First

Internet Banking Services Agreement

Welcome to USB Online.  Get ready to save time and enjoy the convenience of banking anytime, from anywhere!  Best of all….. it’s FREE!

With USB Online you can access your Union State Bank accounts, view balances, transfer funds, review your activity, make loan payments and much more!  You must have an account with Union State Bank to use this service.  If you would like to open an account, please stop by one of our locations and talk to a new accounts representative.

This Agreement describes your rights and obligations as a user of the Internet Banking Services Union State Bank provides.  It also describes the rights and obligations of Union State Bank.  Please read this Agreement carefully.  By pressing the I Agree button below, you agree to comply with the terms and conditions of this Agreement.



The following definitions apply in this Agreement.  “Internet Banking” is the Internet-based service providing access to your account(s) under the terms set forth in this Electronic Services Agreement; “Online Account” means any Union State Bank account from which you will be conducting transactions using a Service; and “Access ID” is the code you select at initial sign-on; and “Password” is the code you select at the initial sign-on, that establishes your connection to the Service.  “Time of Day” references are to Central Standard Time or Central Daylight Time, as applicable.  “We” or “us” refers to Union State Bank, which offers the services, and which holds the accounts accessed by the Services.  “You” or “Your” refer to the person(s) or entity subscribing hereto.


Access to Services

By completing the enrollment form to subscribe to Union State Bank online banking service you are agreeing to the terms and conditions of this Agreement.  You will gain access to your Online Accounts through the use of your Internet enabled device, your Internet Service Provider, your Access ID, and your Password.


Union State Bank’s Internet Banking transmits data using SSL (Secure Socket Layer) technology that supports 128-bit encryption.  It is important to verify that a secure connection between your browser and the Internet Banking server has been established before transmitting any confidential account information over the Internet.  An indicator on your web browser can verify this.  Microsoft Internet Explorer has a lock symbol that appears in the address bar when data is being encrypted.  When the symbol does not appear, a session is not secure.


Hours of Operation

The Services are available 24 hours a day, seven days a week, except during special maintenance periods, which generally are scheduled between 11:00 p.m. Sunday night and 4:00 a.m. Monday morning.  For purposes of transactions, Union State Bank’s business days are Monday through Friday, excluding holidays as determined by Union State Bank.  All Internet Banking transaction requests received after 6:00 p.m. on business days, and all transactions which are requested on Saturdays, Sundays or holidays on which Union State Bank chooses to remain closed, will be processed on the next business day.


Use of your Security Password

You (customer) determine what your user name and password will be to use online banking at the time of enrollment.  The identity of your Password is not communicated to us.  You may change your password from time to time, as provided in the Software.  It is recommended that you do not use your social security number, birthdays, names, or other codes that may be easy for others to determine as your password.  No Bank employee will ever ask for your password, nor should you provide it to anyone unless you intend to allow that person access to your accounts.  You agree that we are authorized to act on instructions received under your Password.  YOU AGREE TO KEEP YOUR PASSWORD CONFIDENTIAL. USE OF THE PASSWORD BY YOU OR BY ANY OTHER PERSON WITH YOUR AUTHORIZATION WILL BE CONSIDERED THE SAME AS YOUR WRITTEN SIGNATURE AUTHORIZING US TO COMPLETE ANY TRANSACTION OR REQUEST COMMUNICATED THROUGH UNION STATE BANK ONLINE BANKING.  You agree that any Union State Bank online transaction or request initiated by use of the password will be subject to and governed by this Agreement.  As such, your sharing of your password is strongly discouraged by the Bank, and done at your sole risk.  If a third party should gain access to your password, you alone are responsible for changing the password so as to deny the third party’s access to your banking information.  Given the electronic nature of these transactions, the Bank shall have no liability to you in the event a third party should gain access to your password through no fault of the Bank.  After three (3) unsuccessful attempts at authorization to use the system, you can contact us to have your Password reset or to obtain a new temporary password click on the forgot password link and a temporary password will be emailed to you.  You agree to assume responsibility for all transactions up to the limits allowed by applicable law.


Lost or Stolen Password

If your Password has been lost or stolen, call Union State Bank immediately at 608/786-0600, 7:30 a.m. to 5:30 p.m. Monday-Friday.  Telephoning Union State Bank is the best way of minimizing your losses.  If you believe your Password has been lost or stolen and you telephone or write us within two business days after you learn of the loss or theft, you can lose no more than $50.00 if someone uses your Password without your permission.  If you do not telephone or write us within two business days after you learn of the loss or theft of your Password, and we can prove we could have stopped someone from using your Password without your permission if you had told us, you could lose as much as $500.00.


Banking Transactions with Internet Banking

The following Internet Banking transactions may be performed:

  1. Funds Transfers.  You may use Internet Banking to perform funds transfers from your Union State Bank checking accounts or savings accounts to other Union State Bank checking accounts or savings accounts.  You may also transfer from your Union State Bank checking or savings account to make loan payments.  Note: This Agreement imposes no restrictions on the number of transactions from Union State Bank accounts or the amounts which may be transferred, but certain limits and restrictions on the frequency of transfers may be applicable with respect to the particular types of accounts subject to this Agreement, particularly Statement Savings and Money Market Savings.  Please refer to the disclosure documents you received at the time these accounts were established for more detailed information on limitations and restrictions applicable hereto.
  2.  Balance Inquiries.  You may use Internet Banking to check the current balance and other account information on deposit accounts and loan accounts.
  3.  You may view images of Demand Deposit and Savings debits and credits that have posted to your account.
  4.  Customer Service.  You may communicate with Union State Bank by using your personal computer to send and receive written messages electronically.  Please refer to the “Contact Us” option to send us your comments, questions or concerns.

New services may be introduced for Internet Banking from time to time.  Union State Bank will notify you of the existence of these new services.  By using these services when they become available, you agree to be bound by the rules that will be made available to you concerning these services.



You will continue to receive your regular account statement either monthly or quarterly, depending on the type of account.  If your statement shows transfers that you did not make, notify Union State Bank immediately by calling us at 608/786-0600, Monday through Friday from 7:30 a.m. to 5:30 p.m. and Saturday 8:30 a.m. to 12:00 p.m. or write to us at:

Union State Bank

120 Mill Street S

P.O. Box 870

West Salem, WI  54669

If you do not notify Union State Bank within (60) days after such statement that you question was mailed to you, you will not recover any money lost which would not have been lost if Union State Bank had been notified in time.


Errors and Questions

In case of errors or questions regarding an Internet Banking transaction, call Union State Bank at 608/786-0600 or write to us at:

Union State Bank

120 Mill Street S

P.O. Box 870

West Salem, WI  54669

We must hear from you at the specified telephone number or address no later than sixty (60) days after we sent you the first statement on which the problem or error appeared.  We will need:

  1.  Your name and account number
  2. A description of the error or the transfer in question, and an explanation concerning why you believe it is an error or need more information
  3. The dollar amount of the suspected error
  4. The date on which it occurred

If the report is made orally, we may require that you send the complaint or question in writing within ten (10) business days from your initial contact.  We will notify you with the results of the investigation within ten (10) business days and will correct any error promptly.  If more time is needed, however, we may, at our sole discretion, take up to forty-five (45) days to investigate a complaint or question.  If this occurs, we will credit your account within (10) business days for the amount you think is in error.  This will allow you to use the money during the time it takes us to complete our investigation.  If your complaint or question is not received in writing within ten (10) business days from your original contact, we may not credit your account until the investigation is completed.

If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete.  You may request copies of the documents that were used in the investigation.


Limit of Union State Bank and Other Provider’s Responsibility

Union State Bank agrees to make reasonable efforts to ensure full performance of Internet Banking.  Union State Bank will be responsible for acting only on those instructions sent through Internet Banking, which are actually received, and cannot assume responsibility for malfunctions in communication facilities not under its control, which may affect the accuracy or timeliness of messages you send.  Union State Bank is not responsible for any losses should you give incorrect instructions, or if your payment instructions are not given sufficiently in advance to allow for timely payment or delays in mail service.

Any information you receive from Union State Bank or other Information Providers is believed to be reliable.  However, it can only be provided on a best-efforts basis for your convenience and is not guaranteed.  Union State Bank is not liable for any deficiencies in the accuracy, completeness, availability, or timeliness of such information, or for any investment or other decision made using this information.

Neither Union State Bank nor other Information Providers are responsible for any computer virus or related problems, which may be attributable to services provided by any Access Service Provider.

You are responsible for obtaining, installing, maintaining, and operating all computer hardware and software necessary for performing Internet Banking. Make sure your browsers are up to date on the latest versions:  Internet Explorer version 11, MS Edge Chrome (current version), Firefox (current version), Safari, version 7+ and Safari for iOS, version 7+.   Union State Bank will not be responsible for any errors or failures from the malfunction or failure of your hardware or software.  The limit of Union State Bank’s liability shall be as expressly set forth herein.  Under no circumstances will Union State Bank be liable in contract, tort, or otherwise for any special, incidental, or consequential damages, whether or not foreseeable.  By consenting to use the Services, you agree to waive any and all right to any of the aforesaid, and you acknowledge that the limit of your remedy is as otherwise expressly set forth herein.  You are solely responsible for scanning the Hardware and the Software for computer viruses and other related problems before you use them. 


Union State Bank’s Responsibility to Its Customers

Union State Bank will be responsible for your actual losses if they were directly caused by our failure to:

  • Complete an Electronic Funds Transfer as properly requested
  • Cancel an Electronic Funds Transfer as properly requested

 However, we will not be responsible for your losses if:

  • Through no fault of Union State Bank, you do not have enough money in your account to make the transfer
  • Through no fault of Union State Bank, the transaction would have caused you to exceed your available credit
  • Circumstances beyond our control (e.g. fire, flood, power outage, equipment or technical failure or breakdown) prevent the transfer, despite reasonable precautions that we have taken
  • There is a hold on your account, or if access to your account is blocked in accordance with banking policy
  • Your funds are subject to legal process or other encumbrance restricting the transfer
  • Your transfer authorization terminates by operation of law
  • You believe someone has accessed your accounts without permission and you fail to notify immediately
  • You have not properly followed the scheduling instructions on how to make a transfer included in this Agreement
  • We have received incomplete or inaccurate information from you or a third party involving the account or transfer
  • We have a reasonable basis for believing that unauthorized use of your Password or account has occurred or may be occurring, or if you default under this Agreement, the Deposit Account Agreement, a credit agreement, or any other agreement with us, or if we or you terminate this Agreement.

There may be other exceptions stated in this agreement and in other agreements with you.  In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer, and we will not be liable for any incidental or consequential damages.  If any of the circumstances listed above shall occur, we shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incorrect transactions that have been processed.


Electronic Mail

If you send Union State Bank an electronic mail message, Union State Bank will be deemed to have received it on the following business day.  Union State Bank will have a reasonable time to act on your e-mail.

You should not rely on electronic mail if you need to communicate with Union State Bank immediately (e.g. if you need to report an unauthorized transaction from one of your accounts, or if you need to stop a payment that is scheduled to occur).

You agree that Union State Bank may respond to you by electronic mail with regard to any matter related to the Service, including responding to any claim of unauthorized electronic funds transfer that you make.  Any such electronic mail sent to you by Union State Bank shall be considered received within three (3) days of the date sent by Union State Bank, regardless of whether or not you sign on to the Service within that time frame.


Alerts. Your enrollment in Union State Bank of West Salem Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Union State Bank of West Salem account(s). Alerts are provided within the following categories:

  • Mandatory Alerts provide you with important account notifications, such as information about changes to your Online Banking password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts.
  • Account Alerts provide you with notification of important account activities or when certain changes are made to your Service accounts, such as scheduled payments made, scheduled payments cancelled and mobile deposits. These Alerts are automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not do so because they provide important information related to your Service accounts.
  • Additional Alerts must be activated by you to be enabled. These Additional Alerts can be accessed from the Manage Alerts menu within Union State Bank of West Salem Online Banking and Manage Alerts menu within Union State Bank of West Salem Mobile Banking.

Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts though your mobile device. We may add new Alerts from time to time, or cancel old Alerts. We usually notify you when we cancel Alerts, but are not obligated to do so. Union State Bank of West Salem reserves the right to terminate its Alerts service at any time without prior notice to you.
Methods of Delivery. We may provide Alerts through one or more channels (“EndPoints”): (a) a mobile device, by text message, (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your Union State Bank of West Salem Online Banking message in-box, by an e-mail message. You agree to receive Alerts through these EndPoints, and it is your responsibility to determine that each of the service providers for the EndPoints described in (a) through (c) above supports the email, push notification, and text message Alerts provided through the Alerts service. Please be advised that text or data charges or rates may be imposed by your EndPoint service provider. Alert frequency varies by account and preferences.You agree to provide us a valid mobile phone number or email address so that we may send you Alerts. If your email address or your mobile device's number changes, you are responsible for informing us of that change. Your Alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number. 

Alerts via Text Message. To stop Alerts via text message, text "STOP" to 99588 at anytime.  Alerts sent to your primary email address will be unaffected by this action. To restore Alerts on your mobile phone, just visit the Alerts tab in Union State Bank of West Salem Online Banking and click the box next to your mobile number for the Alerts you'd like to receive again.  For help with SMS text alerts, text “HELP” to 99588. In case of questions please contact customer service at 608-786-0600. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.

Limitations. Union State Bank of West Salem provides Alerts as a convenience to you for information purposes only. An Alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide Alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any Alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside Union State Bank of West Salem’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold Union State Bank of West Salem, its directors, officers, employees, agents, and service providers liable for losses or damages, including attorneys' fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose.

Alert Information. As Alerts delivered via SMS, email and push notifications are not encrypted, we will never include your passcode or full account number.You acknowledge and agree that Alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your Alerts will be able to view the contents of these messages.

Other Agreements

In addition to this Agreement, you and Union State Bank agree to be bound by and comply with the requirements of the agreements applicable to each of your Online Accounts.  Your use of the Internet Banking service is your acknowledgment that you have received these agreements and intend to be bound by them.  You should review other disclosures received by you when you open your account at Union State Bank, including the charges that may be imposed for electronic funds transfers or the right to make transfers listed in the fee schedules accompanying those disclosures.


Modifications to this Agreement

Union State Bank may modify the terms and conditions applicable to the Service from time to time upon mailing or delivering a notice of the modifications to you at the address shown on our account records, and the revised terms and conditions shall be effective at the earliest date allowed by applicable law.  We reserve the right to terminate this Agreement and your use of the Services in whole or in part at any time without prior notice.


Disclosure of information to Third Parties

We will disclose information to third parties about your account or the transfers you make:

  1. Where it is necessary for completing transfers
  2. To verify the existence and condition of your account for a third party, such as a credit bureau or merchant
  3. To comply with government or court orders, or other reporting requirements
  4. If you give us your written permission
  5. To affiliated companies.

Information concerning your account history with Union State Bank will be shared within the Union State Bank organization.  Other information, including information you have given us as part of an application for one of our products or services, or information we have received from a credit bureau or other third party, also may be shared among affiliated companies with the organization.



You are responsible for complying with all the terms of this Agreement and with the terms of the agreement governing the deposit accounts which you access using electronic banking services.  We can terminate your Internet Banking privileges under this Agreement without notice to you for any reason; or if you do not pay any fee required by this Agreement when due, if you do not comply with Agreement governing your deposit or loan accounts, or your accounts are not maintained in good standing.  We will promptly notify you if we terminate this Agreement or your use of the services for any other reason.

To cancel the Internet Banking, you must notify Union State Bank and provide your name and the effective date to stop the service.  You may notify Union State Bank by one of the following methods:

  1. By calling 608/786-0600
  2. By initiating a customer inquiry through our Web site
  3. By writing a letter and sending it to the following address:

Union State Bank

Attention: Internet Customer Service

120 Mill Street S

P.O. Box 870

West Salem, WI  54669


Governing Law

This Agreement is governed by the laws of the State of Wisconsin and applicable federal laws.


Fee Schedule

Union State Bank offers the benefits and convenience of Internet Banking services to you free of charge.  Account research, stop payment, and overdraft charges will be assessed at the rates published in Union State Bank’s fee schedule.

These fees are subject to change.  Union State Bank will notify you in writing regarding any fee changes at least thirty (30) days in advance of the effective date of these changes.



___________________          __________________

Customer Signature                Customer Signature

I Agree     Cancel

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