In order to use Texas Star Bank’s “Star Net” Online Banking, you must accept the following agreement. By accepting this agreement, you are consenting to all the terms and conditions stated.

Definitions
We, our, and us, when used in this notice, means Texas Star Bank.
When we use the words “you” and “your” we are referring to Texas Star Bank customers.
Business Day refers to Monday through Friday excluding Bank Holidays.
Star Net, Internet Banking, or Online Banking refers to the online banking service.

Charges and Fees
The Texas Star Bank does not charge for it’s online banking product “Star Net” or it’s bill payment service “Star Pay”.

Account Names And Passwords
Texas Star Bank is committed to protecting the privacy of your personal and financial information. We will not display your account numbers online. When applying for Star Net, you were asked to provide an ‘online name’ to reference your accounts. We will use that ‘online name’ whenever possible. If necessary we will substitute the ‘online name’ we were given, but we will not at any time display your full account number.

On your Star Net Application, we have also asked for certain pieces of security information. This information will be kept private and will only be used to verify your identity when you call to have your password reset. We have asked for a secret question and answer, these may be used also to verify your identity. This process is for your protection.

After applying, you were issued a 12-digit user ID and temporary password. The first time you log on, you will be asked to change this password. It is your responsibility to keep your user ID and password safe. We recommend you memorize this information rather than writing it down. If you forget your password, you may call the Bank to have it reset. However, please be advised that the bank can only reset your password to its original state. After your password has been reset, you will be required to change the password on your first log in.

Passwords must be 4-8 alphanumeric characters. For security purposes, your password will expire every 90 days and you will be required to change it. You will be prompted 7 days in advance that your password is going to expire. After 3 failed attempts to log on, your account will be ‘locked’. You must call the bank to have this reset. After 90 days of inactivity, your Star Net account will be dormant, and you must call in to have it reinstated.

Some Operating Systems and Browsers allow your PC to remember your passwords for certain programs. We recommend you do not use these functions.

If at anytime, your user ID and password has been compromised or stolen, it is your responsibility to notify the bank. You must notify us by phone as soon as you discover that your login ID or password has been compromised.

Services
You may transfer funds to and from your Texas Star Bank accounts, make loan payments, view history of you accounts, view images of your checks and deposits, download account information, and view account statements.

Only authorized signers on accounts will be given access to the account via Online Banking. We will verify this information before approving your application.

You may set up one-time transfers or reoccurring transfers to and from your accounts with Texas Star Bank. All transfers done before 6 pm will be processed on that business day. You account information and history is real time or ‘live’ data. According to Federal Reserve Board Regulation D, online transfers will be subject to the same rules and restrictions that in house or telephone transfers are subject to.

There are 7 different formats of downloads available. You may download transactions within a range of dates, since your last statement, or since your last download. There are no additional charges for these account downloads.

The formats are:

Microsoft Money (.OFX)
Intuit Quicken (.QFX)
Intuit Quick Books (.IFX)
Intuit Quick Books (.QBO)
Personal Finance (.QIF)
Spreadsheet (.CSV)
Word Processing (.TXT)

Your statements may also be viewed online. These will not take the place of the monthly or quarterly statements that we send to you via US Mail. The online statements can be viewed in 3 different formats: html, pdf, and text, according to what software you have available for viewing. There is no charge for viewing or printing online statements. Statement history will start accruing after the first time you log on. Copies of statements before that date will still have to be requested from the Customer Service department at the bank, and will be subject to research fees.

Accounts That Require 2 Signatures
If an account requires two signatures on a check, this requirement does not apply to electronic activity. The bank is not liable for electronic transactions on accounts that require two signatures. Due to restrictions, we cannot govern the electronic activity on these accounts.

Security
The Texas Star Bank knows the importance of security and confidentiality of our customers’ records and account information. We use the latest technology including firewalls, encryption, and intrusion detection and testing. Firewalls combine hardware and software to block unwanted communications into and out of our network. Encryption transforms data into an unreadable format. The bank uses 128-bit encryption for all Internet banking system communications. Encryption is used when transmitting all sensitive or critical data. Texas Star Bank uses a third-party company to perform intrusion detection and testing of the bank’s systems. Texas Star Bank is committed to keeping the information of its customers secure.

The Star Net online banking system will automatically log you off after 10 minutes of non-use. The system will warn you 10 seconds before it logs you off. It will give you a chance to stay logged on or sign off. Please do not leave your PC unattended while you are signed on to online banking.

Virus Protection
Texas Star Bank has a company-wide virus detection and prevention program to reduce the likelihood of computer viruses. The bank is not liable for any electronic virus that a customer may encounter while using Online Banking. We encourage you to use your own virus detection software. We recommend using the software to scan your PC on a regular basis. You should always remove any viruses from your PC.

Links
Texas Star Bank does not have control over and is not responsible for the content of any websites or links that are linked to our website or Internet banking site. Our site is checked periodically for accuracy and content. The bank is not responsible for any vandalizing or corruption of its sites or links.

Hardware and Software Requirements
There are no certain hardware and software requirements for using Texas Star Bank’s “Star Net” Internet banking product. You must be using 128-bit encryption and Cookies must be enabled to use this product.

Termination of Services
If at any time, you decide to terminate your Internet banking service with Texas Star Bank, please notify us in writing. You must comply with this agreement in its entirety. We may, at any time, terminate your online banking privileges without notice to you.

Contact Us:
Texas Star Bank
Attention: Online Banking
PO Box 608
Van Alstyne TX 75495
903-482-5234

Branch Locations: Van Alstyne, Sherman, McKinney, Tom Bean, Anna, Tioga and Celina