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Policies and Disclosures

The following is a list of the comprehensive Policies and Disclosures for HAPPY STATE BANK & TRUST CO. Please click on the specific link below to view the desired section:

Consumer Complaint Notice

HAPPY STATE BANK is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking.  Any consumer wishing to file a complaint against HAPPY STATE BANK should contact the Texas Department of Banking.

HAPPY STATE BANK also engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. under Chapter 151 of the Texas Finance Code.  If you have a complaint, first contact the consumer assistance division of MoneyGram Payment Systems, Inc., at 1-800-MONEYGRAM.  If you still have an unresolved complaint regarding the company’s money transmission of currency exchange activity, please direct your complaint to the Texas Department of Banking. 

Consumers may file complaints with the Texas Department of Banking by contacting the Department through one of the means indicated below:

In Person or U.S. Mail:
Texas Department of Banking
2601 North Lamar Boulevard, Suite 300
Austin, Texas 78705-4294
Telephone Number: 1-877-276-5554 (toll free) 
Fax No.: 512-475-1313
E-mail: consumer.complaints@dob.texas.gov
Website: www.dob.texas.gov

Primary Regulator:
Federal Reserve Consumer Help
PO Box 1200
Minneapolis, MN 55480
Telephone Number: 1-888-851-8533 (toll free) 
Website: federalreserveconsumerhelp.gov

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Electronic Funds Transfer Agreement and Disclosures

This Agreement and Disclosure is made in compliance with federal law regulating electronic funds transfer (EFT) services. Electronic funds transfers are electronically  initiated  transfers of money involving an account at the Financial Institution.  The following  disclosures set forth your and our rights and responsibilities concerning the electronic funds transfers. In this Agreement, the words "you" and "your" mean those who sign as applicants  or any authorized user(s). The words "we,""us,"and "our" mean the Financial Institution. The abbreviation "PIN" or word "code" means a personal identification number.

HAPPY Online Banking Services

Types of Transactions: You may access certain account(s) you maintain with us by computer using your assigned user ID and password by accessing the online banking service. You may use the online banking service to perform the following functions:

  • Obtain balance information on eligible accounts.
  • Review transactions on eligible accounts.
  • Make loan payments.
  • Stop payment requests.
  • Online bill payment.
  • Obtain copy of statement.
  • ACH origination.
  • Wire transfers.
  • Order checks.
  • Allow export of transaction history to personal finance manager.

Fees and Charges for Online Service:  There is no charge for banking online with us.

ATMs

Types of Transfers: You may use the automated teller machine (ATM) card and personal identification number (PIN) issued to you to initiate transactions at ATMs of ours, ATMs within the networks identified on your card and such other facilities as we may designate from time to time. Unless you specify a different account during Automated Teller Machine (ATM) transactions, your Primary Account will be used for your transactions. Your Primary Account number and information may be obtained from the ATM Request Form. At present you may use your card to (some of these services may not be available at all ATMs):

  • Withdraw cash from your checking account.
  • Withdraw cash from your savings account.
  • Transfer funds between your checking and savings accounts.
  • Obtain balance information on your deposit accounts.

Limitations on Frequency and Amount:

  • You may make 50 cash withdrawals from ATMs per day.
  • You may withdraw up to a maximum of $500.00 (if there are sufficient funds in your account) per day.

Fees and Charges for ATM Transactions:

  • There is no charge for ATM withdrawals at machines owned by us.
  • There is a $1.50 charge for each ATM withdrawal at machines we do not own.
  • There is a Replacement Card Fee of $5.00 per card.

ATM Fees: When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

DIRECT DEPOSIT FORM

Types of Preauthorized Transfers: You may arrange for us to complete the following preauthorized transfers to your deposit accounts:

  • Accept direct deposits from the U.S. Treasury Department to your checking or savings account.

Fees and Charges:  We do not charge for any preauthorized EFTs.

ATM/POS/Debit Card Services

Types of Transactions/Transfers: You may use the card and PIN issued you to pay for purchases from  merchants who have agreed to accept the card at Point of Sale (POS) terminals within the networks identified on your card and such other terminals as the Bank may designate from time to time. Point of Sale (POS) transactions  will be deducted from your Primary Account. Point of Sale (POS) transactions involving a refund will be credited to your Primary Account. You may also use the card to pay for purchases from merchants that accept the POS debit card with a MasterCard symbol. You may use the automated teller machine (ATM) card and personal identification number (PIN) issued to you to initiate transactions at ATMs of ours, ATMs within the networks identified on your card and such other facilities as we may designate from time to time. Unless you specify a different account during Automated Teller Machine (ATM) transactions, your Primary Account will be used for your transactions. Your Primary Account number and information may be obtained from the Combined ATM/POS/Debit Card Request Form. At present you may use your card to (some of these services may not be available at all ATMs):

  • Withdraw cash from your checking account.
  • Withdraw cash from your savings account.
  • Transfer funds between your checking and savings accounts.
  • Obtain balance information  on your deposit accounts.

Limitations on Frequency and Amount:

  • You may make 50 cash withdrawals from ATMs per day.
  • You may withdraw up to a maximum of $500.00 (if there are sufficient funds in your account) per day.
  • Some of these services may not be available at all terminals.
  • You may purchase up to a maximum of $3000.00 worth of goods and services per day, exclusive of ATM withdrawals.

Fees and Charges:

  • There is no charge for ATM withdrawals at machines owned by us.
  • There is a $1.50 charge for each ATM withdrawal at machines we do not own.
  • ATM/Operator Network Fees - When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).
  • Replace ATM Card/New PIN number - $5
    Replace Debit Card - $5.
  • We do not charge for any POS transactions.

ATM Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

XPRESS LINE BANKING

You may access your account by telephone using your account number(s), personal identification number (PIN), and touch tone phone.

You may access your account for telephone transactions at the following number(s) and during the following hours:

(806) 359-7737 (24 HOURS)

Types of Audio Response Services: You may access your deposit accounts by using a separate personal identification number (PIN) assigned to you and your account number in our audio response system. At the present time you may use the system to:

  • Transfer funds between your deposit accounts.
  • Give you tax information on interest earned or paid on your accounts.
  • Obtain balance information on your deposit accounts.
  • Verify the last date and amount of your payroll deposit.
  • Determine if a particular check has cleared your account.
  • Make loan payments from deposit accounts.
  • Get transaction history for deposit accounts, certificate of deposits, loans or IRA's.
  • Rate information on deposit accounts.

Limitations on Frequency and Amount:

  • There are no limits on the number or dollar amount of inquiries, transfers or withdrawals you may make per day.

Fees and Charges for Audio Response Transactions:

  • We do not charge for any Audio Response Transactions.

Other EFT Transactions. You may access certain account(s) you maintain with  us by other EFT transaction  types as described below.

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your account using information from your check to pay for purchases or pay bills. Electronic check conversion is a payment process in which a merchant or other payee (after obtaining  your authorization) uses your check to gather routing, account, and check number information  to initiate  a one-time EFT.  When information  from your check is used to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment. This type of EFT transaction involving a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. A description of the transaction will appear on your statement.

Re-presented Check Transactions and Fees. You may authorize a merchant to electronically collect a fee associated with the re-presentment of a check that is returned due to insufficient or unavailable funds The resulting fee transaction if debited as an EFT from a consumer account is covered by the Electronic Funds Transfer Act   and this disclosure. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this disclosure. A description  of the transaction will appear on your statement.

Preauthorized payments -  You  may  make  arrangements  to  pay  certain  recurring  bills  from  your  checking,  savings,  or  Money  Market accounts.

Preauthorized credits - You  may  make arrangements  for  certain  direct  deposits  to  be accepted  into  your  checking,  savings,  or Money Market accounts.

The following limitations may be applicable to your accounts, except as provided by law:

Liability for Unauthorized MasterCard Point of Sale Debit Card Transactions.  Tell us, AT ONCE, if you believe your MasterCard point  of sale debit card has been lost or stolen or of any unauthorized transactions.   Your liability  for unauthorized use of your point of sale debit card with the MasterCard logo when it is used as a MasterCard point of sale debit card will not exceed (A) Zero dollars ($0.00) if the conditions  set forth below have been met, or (B) if those conditions have not been met, the lesser of fifty  dollars ($50.00) or the amount of money, property,  labor, or services obtained by the unauthorized use before notification to us.   Zero liability  will  apply only if:   (1) you can demonstrate  that you have exercised  reasonable care  in  safe-guarding  your  card  from  risk  of  loss  or  theft;  and (2)  you  have  not  reported  two  or  more  incidents  of unauthorized use to us within  the preceding twelve  (12) months;  and (3) your account  is in good standing.   These liability  limits  apply only to United States issued MasterCard branded cards.   If the transaction  does not meet the conditions  set forth  above, these limits  with  respect to unauthorized  transactions  may  be exceeded  to  the  extent  allowed  under  applicable  law  (see Liability for Unauthorized Transfers paragraph below).   For specific restrictions, limitations  and other details, see your Cardholder Agreement.  "Unauthorized  use" means the use of your point of sale debit card by a person, other than you, who does not have actual, implied, or apparent authority  for such use, and for which  you receive no benefit.   To notify  us of lost or stolen cards, or of unauthorized transactions,  call or write  to us at the telephone number or address set forth below.   This will help prevent unauthorized access to your account and minimize any inconvenience.

MasterCard is a registered trademark of MasterCard International Incorporated.

Illegal Transactions. You may not use your ATM, POS, or Debit Card, or other access device for any illegal or unlawful  transaction,  and we may decline to authorize any transaction  that we believe poses an undue risk of illegality  or unlawfulness.  Notwithstanding the foregoing,  we may collect on any debt arising out of any illegal or unlawful  transaction.

Business Days.  For purposes of these electronic  funds  transfer  disclosures,  our business days are Monday through  Friday.   Holidays are not included.

Stop Payments on ATM,  POS, or Debit Card Transactions.   You  may  not  place  a stop  payment  order  on  any  ATM,  POS, or  debit  card transaction.

Documentation:

  • Periodic Statement.  You will get a monthly  account statement  from us, unless there are no transactions  in a particular  month.   In any case you will  get a statement  quarterly.    You will  get a quarterly  statement  from  us on your savings account  if this  is the only account  you maintain and the only possible electronic transfer to or from the account is a preauthorized deposit.
  • Terminal Receipt.   You can get  a receipt  at  the time  you  make a transfer  to  or from  your  account  using  an ATM  or a POS terminal. However, receipts for transactions  of $15.00 or less may not always be available.
  • Direct Deposits.  If you have arranged to have direct  deposits  made to your account  at least once every sixty  (60)  days from  the same person or company, you can call us at (806) 359-2265 to find out whether  or not the deposit has been made.

Our Liability for Failure to Make Transfers.  If we do not complete a transfer  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. We will  NOT be liable for instance:

  • If, through no fault of ours, you do not have enough money in your account to make the transfer.
  • If the money in your account is subject to legal process or other claim restricting  such transfer.
  • If the transfer would go over the credit limit on your overdraft  line.
  • If the ATM where you are making the transfer does not have enough cash.
  • If the terminal or system was not working  properly and you knew about the breakdown  when you started the transfer.
  • If circumstances  beyond our control (such as fire or flood) prevent the transaction,  despite reasonable precautions that we have taken.
  • There may be other exceptions stated in our agreement with  you.

In Case of Errors or Questions About Your Electronic Transfers.  Telephone us at (800)  447-2265, or write  us at HAPPY STATE BANK, Main Office, 100  East Main Street, Happy, TX 79042 as soon as you can,  if you think  your  statement  or receipt  is wrong  or if you need more information  about a transfer  listed on the statement  or receipt.   We must hear from  you no later than sixty  (60)  days after we sent the FIRST statement  on which  the problem or error appeared.

  • Tell us your name and account number (if any).
  • Describe the error or the transfer  you are unsure about, and explain as clearly as you can why  you believe it is an error or why  you need more information.
  • Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing  within  ten (10) business days.
We will  determine whether  an error occurred within  ten (10) business days after we hear from you and will  correct  any error promptly.   If we need more time,  however,  we may take up to forty  five (45) days to investigate  your complaint  or question.   If we decide to do this,  we will credit your account  within  ten (10)  business days for the amount you think  is in error, so that you will  have the use of the money during the time it takes us to complete  our investigation.   If we ask you to put your complaint  or question  in writing  and we do not receive it within  ten (10) business days, we may not credit your account.

If a notice of error involves an electronic  fund transfer  that occurred within  thirty  (30) days after the first  deposit to the account was made, the error involves a new account.   For errors involving new accounts,  point of sale debit card transactions,  or foreign-initiated transactions,  we may take up to ninety (90) days to investigate your complaint or question. For new accounts,  we may take up to twenty (20) business days to credit your account for the amount you think is in error.

We will tell you the results within  three (3) business days after completing  our investigation.   If we decide that there was no error, we will send you a written explanation.   You may ask for copies of the documents that we used in our investigation.

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

  • To complete transfers as necessary;
  • To verify the existence and condition of your account upon the request of a third party, such as a credit bureau or merchant; or
  • To comply with  government agency or court orders; or
  • If you give us your written permission.

Personal Identification Number (PIN).  The ATM PIN, POS PIN or Audio Response PIN issued to you is for your security  purposes.   The numbers are confidential  and should not  be disclosed to third  parties  or recorded on the card.   You are responsible for  safekeeping your PIN(s).   You agree not  to disclose  or otherwise  make your ATM  PIN, POS PIN or Audio  Response PIN available to anyone not  authorized to sign on your accounts.

Notices.  All notices from us will be effective  when we have mailed them or delivered them to your last known  address on our records.   Notices from  you will  be effective  when  received by us at the telephone number or the address specified  in this Agreement.   We reserve the right  to change the terms  and conditions  upon which  this  service  is offered.    We will  mail  notice  to  you  at least  twenty one (21)  days before  the effective  date of any change, as required by law.   Use of this service is subject  to existing  regulations governing your account  and any future changes to those regulations.

Enforcement.  In the event either party brings a legal action  to enforce this  Agreement  or collect  amounts  owing  as a result of any Account transaction,  the prevailing  party  shall be entitled  to  reasonable attorneys' fees and costs,  including  fees on any appeal, subject  to any limits under applicable law.

Termination of ATM, POS and Audio Response Services.  You agree that  we may terminate  this Agreement  and your use of the ATM  Card, POS or Audio Response services, if:

  • You or any authorized user of your ATM PIN, POS card or PIN or Audio Response PIN breach this or any other agreement with  us;
  • We have reason to believe that there has been an unauthorized use of your ATM PIN, POS card or PIN or Audio Response PIN;
  • We notify  you or any other party to your account that we have cancelled or will cancel this Agreement.   You or any other party to your account can terminate this Agreement by notifying  us in writing.

Termination  of service will  be effective  the first  business day following  receipt  of your written notice.   Termination  of this Agreement  will  not affect  the rights and responsibilities of the parties under this Agreement for transactions  initiated before termination.

Preauthorized Electronic Fund Transfers

Stop Payment Rights. If you have told us in advance to make regular electronic  fund transfers out of your account(s),  you can stop any of these payments.   Here's  how:   Call us or write  to us at the telephone number or address set forth  above, in time for us to receive your request three (3) business days or more before the payment  is scheduled to be made.   If you call,  we may also require you to put your request in writing  and get it to us within  fourteen  (14) days after you call.   We will  charge you $ 27.00 for each stop payment order you give.

Notice of Varying Amounts.  If these regular payments may vary in amount,  the person you are going to pay will  tell you, ten (10)  days before each payment,  when it will  be made and how much it will  be.   You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.

Liability for Failure to Stop Payment of Preauthorized Transfers.  If you order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

Other Provisions. There may be a delay between  the time a deposit is made and when it will  be available for withdrawal.  You should review our Funds Availability  Policy to determine the availability of the funds deposited at ATMs.   We reserve the right to refuse any transaction  which would  draw  upon insufficient funds,  exceed a credit  limit,  lower  an account  below  a required balance, or otherwise  require us to increase our required reserve on the account.

ATM/NIGHT  DEPOSIT FACILITY SAFETY PRECAUTIONS.   When  you  make  a transaction,   be  aware  of  your  surroundings.    Look  out  for suspicious activity  near the ATM or night deposit facility,  particularly  if it is after sunset.   At night, be sure that the facility  (including the parking area and walkways) is well lighted.   Consider having someone accompany you when you use the facility,  especially after sunset.   If you observe any problem, go to another ATM or night deposit facility.

We want  the ATM  and night deposit facility  to be safe and convenient  for you.   Therefore,  please tell us if you know  of any problem with  a facility.  For instance, let us know if a light is not working  or there is any damage to a facility.  Please report any suspicious activity  or crimes to both the operator of the facility  and the local law enforcement officials  immediately.

ATM SAFETY PRECAUTIONS

As issuers of Automated  Teller Machine (ATM) access devices, we have provided for your information  a list of safety precautions  regarding the use of automated teller machines.  Please read the following  safety precautions:

  • Be aware of your surroundings,  particularly  at night.
  • Consider having someone accompany you when the automated teller machine is used after dark.
  • Refrain from displaying your cash at the ATM.   As soon as your transaction  is completed,  place your money in your purse or wallet.
  • Count the cash later in the safety of your car or home.  Do not leave your receipt at or near the ATM.
  • It is appropriate to politely ask someone who is uncomfortably close to you to step back before you complete your transaction.
  • Consider using another automated  teller machine or coming back later if you notice anything suspicious.   If you are in the middle of a transaction  and you notice something suspicious, cancel the transaction,  pocket your ATM access device and leave.
  • Go to the nearest public area where people are located if you are followed  after making a transaction.
  • Do not  reveal  your  Personal Identification Number  (PIN) to  others.    Avoid  allowing  others  to  view  your  PIN entry  into  an ATM.
  • Memorize your PIN and do not write  your personal identification number or code on your ATM access device.
  • Report all crimes to law enforcement officials  immediately.

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Terms of Use

ACCESS TO THIS WEBSITE IS SUBJECT TO THE FOLLOWING TERMS OF USE.  PLEASE READ THESE TERMS OF USE CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES HEREIN, USER AGREES TO BE BOUND BY THE TERMS OF USE SET FORTH BELOW. 

HAPPY STATE BANK, its holding company, affiliates and subsidiaries (hereinafter sometimes collectively referred to as "the Bank") may at anytime make changes to these terms of use.

Except as otherwise indicated, the content of this site, including the pages, screens, text, images and their arrangement are copyright © 2000, by The HAPPY STATE BANK.  All rights reserved.  You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from this website without the express written consent of the Bank. In addition, HAPPY STATE BANK may also claim service mark or trademark rights in other marks contained in these pages.  Other product and company names mentioned herein may be the trademarks of their respective owners.  Title to and all intellectual property rights in the material on this site remain property of the Bank.

We do not warrant that the content herein is accurate, complete, current or free from errors.  It is your responsibility to verify any information before relying on it.  The information, software, products and services published on this website may include inaccuracies or typographical errors. Changes are periodically added to the information herein. HAPPY STATE BANK and/or its suppliers may make improvements and/or changes in this website at any time.

The HAPPY STATE BANK and/or its suppliers make no representations about the suitability of the information, software, products and services contained on this website for any purpose. All such information, software, products and services are provided "as is" without warranty of any kind.

The Bank will not be liable, under any circumstances, for any damages or injury, including but not limited to those caused by any failure of performance, error, omission, interruption, defect, delay in operation of transmission, computer virus or system failure.  In no event shall the Bank be liable for any special, indirect, incidental or consequential damages or any damages whatsoever, including but not limited to loss of use, data or profits arising out of or relating to the use of this site or the copying or display of information accessed through this site, whether or not the Bank was advised of or aware of the possibility of such damages.  Without limiting the foregoing, the Bank shall not be liable for any losses or damages incurred as a result of any information or confidential information submitted to it through this site or any page hereof or for its transmission of information or confidential information to any person(s) or entity(ies) as a result of a request for such transmission reasonably believed by the Bank to have been made by such person or entity.  Finally, the Bank does not make any representation about the suitability of the content of this site for any purpose whatsoever.  The Bank shall not be subject to any obligations of confidentiality regarding information submitted through this site or any page hereof except as otherwise agreed to by us in writing with a person(s) or entity(ies) having a direct relationship with us or as otherwise required by law.  Because some states/jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above-stated limitation may not apply to you.

Except as may be required by applicable law, any information that you transmit to us using this site or electronic mail will be subject to our written privacy policy available elsewhere at this site and through contact with the Bank. We may use such information for any purpose, consistent with the provisions of the privacy statement.

These terms of use will be governed by and be interpreted pursuant to the laws of the State of Texas, United States of America, notwithstanding any principles of conflicts of law. The state or federal courts located in Potter County, Texas, shall have exclusive jurisdiction over any cause of action arising out of or related to the content or use of this site. If any part of these terms of use is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and/or enforceability of any remaining provisions.

Our products and services are offered only in jurisdictions where they may be lawfully offered for sale; and are subject to the terms of the applicable agreement.  NOT ALL PRODUCTS OR SERVICES MENTIONED HEREIN ARE AVAILABLE IN ALL JURISDICTIONS.

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Security Policy

System and Equipment Requirements

Prior to accepting the electronic delivery of disclosures, you should verify that you have the required hardware and software necessary to access the system and retrieve documents and disclosures in an electronic format. You will need:

  • Internet Access.
  • A computer and Internet browser that can support 128-bit encryption.
  • For security purposes, we support the most current version of popular browsers, such as Microsoft Internet Explorer, Mozilla/Firefox, Netscape Navigator/Communicator, or AOL’s browser. The most current browser versions are typically more secure and will support 128 bit encryption. Browser upgrades are accessible on the Internet banking login page.
  • A printer for printing E- disclosures and/or you sufficient hard-drive space or other media (e.g. CD, DVD) if you plan to save disclosures in an electronic format.
  • An external email address. This is necessary so that we can send you notices when E- disclosures are available on our website or within the Internet banking service.

We may revise hardware and software requirements from time-to-time. If there is a material chance that the changes may impact your ability to access the system or E-disclosures, we will notify you of these changes thirty (30) days in advance. At that time, you will be given an opportunity to change the format of your disclosures (e.g. change from an electronic format to paper format) without the imposition of any fees.

Internet Security

The Service utilizes a comprehensive security strategy to protect your accounts and transactions conducted over the Internet. Prior to activating your access to the Service, our Internet Banking Department will verify your identity and authorization against information associated with the Eligible Account (s) that you request to be linked to the Service.

Access IDs and Passcodes - One of the main security features protecting the Service is the unique combination of your Access Identification Code (Access ID) and passcode. During the enrollment process, you will be asked to select a unique Access ID, and then choose a passcode that will be used to gain access to the Service. You determine your own passcode, which is encrypted in our database. Neither this Institution nor its Service Providers have access to this information. The Service will automatically deactivate your account after three unsuccessful login attempts within a 24-hour time frame. You may reset your passcode online or you may contact this Institution for assistance.

Because your passcode is used to access your accounts, you should treat it as you would any other sensitive personal data.

  • You should carefully select a Passcode that is hard to guess.
  • You should not use words based on your name, address or other personal information.
  • Special characters may be used to increase security.
  • Do NOT use dictionary words. The “Help” link within the Service will offer tips on choosing a secure passcode that you can remember.
  • Keep your passcode safe.
  • Memorize your passcode and do NOT write it down.
  • You should also change your passcode occasionally, such as every 90 days.
  • A passcode should be changed immediately if you suspect that your passcode has been compromised. This can be done at any time from the “User Services” menu after you log on to the Service.

Neither this Institution nor its Service Providers will contact you via telephone or email requesting personal information, your Access ID, or your passcode. If you are contacted by anyone requesting this information, please contact us immediately.

Encryption – The Service uses the Secure Socket Layer (SSL) encryption technology for everything you do while using Internet banking. Your browser automatically activates this technology when it attempts to connect to our Service. The Service requires a browser that supports 128-bit encryption. The Service will warn you if your browser does not meet this requirement.

Whenever SSL is securing your communications, the browser will typically indicate this secure session by changing the appearance of a small icon of a padlock at the bottom of the screen from “open” to “locked”. What this means to you is that your communications are scrambled from your browser to our servers at all times so no unauthorized party can read the information as it is carried over the Internet.

Certificate Authority - The servers hosting the Service have been certified by a Certificate Authority to assure you that you are actually talking to the Service instead of someone pretending to be us. If you are using an older browser, such as anything prior to versions 4.0 on Netscape Navigator or Internet Explorer, you will see that the Certificate Authorities key may have expired; you will need to update your browser. Instructions for upgrading your browser are located on the Browser SSL Update link, which is located on the Service login page. By clicking on the lock within the Service, you can view the certificate to ensure it’s valid.

Cookies - During your use of the Service, our Internet banking Service Provider will pass an encrypted cookie to your computer in order to identify your computer during the session. This cookie enables us to process multiple transactions during the session without having to provide an Access ID and passcode for each individual transaction. Users must accept this cookie to use the Service. This cookie does not contain any personal information; it simply provides another level of security for our Internet banking product. The cookie is stored on your computer’s hard-drive, identifying your computer while you are logged on. When you log off, close your browser, or turn off your machine, the cookie will be destroyed. A new cookie is used for each session; thus, no one can use the prior cookie to access your account.

Additional Security Guidelines:

  • All Authorized Users should sign-off after every Service session; however, online sessions will automatically end after ten (10) minutes of inactivity. This to protect you in case you accidentally leave your computer unattended after you log-in.
  • The security of public computers (e.g. in a library, or Internet café) cannot be assured; therefore we recommend that you refrain from accessing the Service on a public computer.
  • Routinely scan your computer, servers, and electronic media using reliable virus detection and anti-spyware products. Undetected or unrepaired viruses or spyware may affect the performance of your computer, corrupt and destroy your programs, files, and even your hardware. Additionally, you may unintentionally transmit sensitive data to another third party or transmit a virus to other computers.
  • Use a firewall product (hardware and/or software), especially if you have a broadband Internet connection such as DSL or cable modem.
  • Keep your computer’s operating system and browser fully patched for critical security issues. We recommend use of the most current, fully patched, versions of Internet browsers for accessing the Service.

Your Passcode Responsibilities

When you accept the terms and conditions of this Agreement, you agree not to give or make available your passcode or other means to access your account to any unauthorized individuals. You are responsible for all transfers and Bill Payments you authorize using the Service. If you permit other persons to use the Service, your passcode, or other means to access your account, you are responsible for any transactions they authorize.

If you believe that your passcode or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify us at once by calling 806-379-6654 or 877-379-6654 during customer service hours. You can also contact us by sending a secure message through the Service.

If you or your Authorized users disclose your passcode to anyone, and/or if you allow someone to use your passcode to access your accounts, you are authorizing them to act on your behalf and you will be responsible for any use of the Service by them (e.g., such as when you provide this information to a joint account holder, an employee, and/or an aggregation service provider).

In addition to the security features described above, there may be other security related notices posted on our website or the Service from time-to-time. It is your responsibility to read all security notices

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Customer Identification Policy

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

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ATM Safety Precautions

As with all financial transactions, please exercise discretion when using an ATM or night deposit facility. For your own safety, be careful. The following suggestions may be helpful.

  • Prepare for your transactions at home (for instance, by filling out a deposit slip) to minimize your time at the ATM or night deposit facility.
  • Mark each transaction in your account record, but not while at the ATM or night deposit facility. Always save your ATM receipts. Don't leave them at the ATM or night deposit facility because they may contain important account information.
  • Compare your records with the account statements you receive.
  • Don't lend your ATM Check card to anyone.
  • Remember, do not leave your card at the ATM. Do not leave any documents at a night deposit facility.
  • Protect the secrecy of your Personal Identification Number (PIN). Don't tell anyone your PIN. Don't write your PIN where it can be discovered. For example, don't keep a note of your PIN in your wallet or purse.
  • Prevent others from seeing you enter your PIN by using your body to shield their view.
  • If you lose your ATM card or if it is stolen, promptly notify us. You should consult the other disclosures you have received about electronic fund transfers for additional information about what to do if your card is lost or stolen.
  • When you make a transaction, be aware of your surroundings. Look out for suspicious activity near the ATM or night deposit facility, particularly if it is after sunset. At night, be sure that the facility (including the parking area and walkways) is well lighted. Consider having someone accompany you when you use the facility after sunset. If you observe any problem, go to another ATM or night deposit facility.
  • Don't accept assistance from anyone you don't know when using an ATM or night deposit facility.
  • If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction, you may want to cancel the transaction, pocket your card and leave. You might consider using another ATM or coming back later.
  • Don't display your cash; pocket it as soon as the ATM transaction is completed and count the cash later when you are in the safety of your own car, home, or other secure surrounding.
  • At a drive-up facility, make sure all the car doors are locked and all of the windows are rolled up, except the driver's window. Keep the engine running and remain alert to your surroundings.
  • We want the ATM and night deposit facility to be safe and convenient for you. Therefore, please tell us if you know of any problem with a facility. For instance, let us know if a light is not working or there is any damage to a facility. Please report any suspicious activity or crimes to both the operator of the facility and the local law enforcement officials immediately.

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HAPPY STATE BANK Social Media Guidelines

We're so pleased you want to join the conversation on Social Media. HAPPY STATE BANK is committed to the highest standards of conduct, and requests that you follow these simple guidelines:

  • Protect your personal information.  Please do not include any specific account details or other sensitive information in public posts.
  • Stay on topic.   Please post only comments that relate to the topic of the post or the purpose of the page.
  • Be nice.   Feel free to disagree, but be civil and keep it G-rated. Abusive, profane, offensive, or unlawful comments, links or images will not be allowed on the page.
  • Do not spam our community.  Remember spam is a four-letter word. Comments unrelated to HAPPY STATE BANK Services and designed to sell a product or service, or posted just to drive traffic to a particular website for personal, political, or monetary gain, will be taken down.
  • Take ownership of your posts.  We discourage posts without a screen name or from a non-identifiable pseudonym and reserve the right to pull them down if they don’t add value or violate other usage guidelines. Know that HAPPY STATE BANK does not necessarily endorse or agree with all of the statements, positions, or opinions provided by participants on this site. This applies to members of the general public as well as those persons who may be affiliated with HAPPY STATE BANK.
  • We do not endorse.  Please note that a follow, “Like” or share of content on our part does not equal an endorsement of any kind of the content or any named third party.
  • Contact our Customer Service for help.  Our concern for your privacy and our adherence to financial industry regulations prevent us from answering specific questions about accounts and services on this site.

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Social Media Contest Rules

  1. ENTRY:  No purchase necessary to enter or win.
  2. ELIGIBILITY:   Each contest is open only to legal U.S. residents, over the age of 18. Employees of HAPPY STATE BANK and their families are not eligible.
  3. WINNER SELECTION:   Employees of HAPPY STATE BANK will judge the contest and/or choose the winners. All decisions are final.
  4. PRIZES:  Winners will receive merchandise specified in the entry drawing in which they inquired, entered and/or commented.
  5. WINNER NOTIFICATION:  Winners will be notified within 5 days or immediately if ticket prize dates mandate.  Inability to contact a winner may result in disqualification and selection of an alternate winner.
  6. GENERAL CONDITIONS:  
    1. Participants hereby grant HAPPY STATE BANK a non-exclusive, perpetual license to broadcast, publish, store, reproduce, distribute, and otherwise use information/comments given in all media now known and later come into being for purposes of trade or advertising without further compensation.
    2. HAPPY STATE BANK is under no obligation to use any Submission.
    3. Winners will be required to execute and return a Certificate of Eligibility, Consent and General Release form (if deemed necessary) within 14 days of notification. Non-compliance within this time period may result in disqualification and selection of an alternate winner. Any income tax liability is the sole responsibility of the winner.
  7. USE OF CONTEST INFORMATION:  All entries become the property of HAPPY STATE BANK. HAPPY STATE BANK reserves the right to use any and all information related to the contest, including submissions provided by the contestants, for editorial, marketing and any other purpose, unless prohibited by law.
  8. NOT ENDORSED BY FACEBOOK:  By participating in our contests, you acknowledge that this contest is in no way sponsored, endorsed or administered by, or associated with, Facebook and release Facebook from any and all liability arising from or related to this contest. The information you are providing for this contest is being provided to HAPPY STATE BANK and not to Facebook, and will be used to notify you if you have won, and to inform you about special offers from HAPPY STATE BANK and our trusted partners.
  9. CONDUCT:  All contest participants agree to be bound by these Official Rules. HAPPY STATE BANK in its sole discretion, reserves the right to disqualify any person it finds to be tampering with the entry process, the operation of its web site or is otherwise in violation of these rules.
  10. LIMITATIONS OF LIABILITY:  HAPPY STATE BANK is not responsible for late, lost or misdirected email or for any computer, online, telephone or technical malfunctions that may occur.  If for any reason, the contest is not capable of running as planned, including infection by computer virus, bugs, tampering, unauthorized intervention or technical failures of any sort, HAPPY STATE BANK may cancel, terminate, modify or suspend the contest.  Entrants further agree to release HAPPY STATE BANK from any liability resulting from, or related to participation in the contest.

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