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These terms govern the use of this website. Please read them carefully before accessing the site. If you do not agree with these terms, do not access the website. By accessing the website or any of its pages, you agree to be bound by these terms of use.

This website has been established by Minster Bank for the sole purpose of conveying information about Minster Bank’s products and services and to allow communication between Minster Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of Minster Bank’s agreements and disclosures that govern its products and services. If any information on the site conflicts with that in Minster Bank’s agreements and disclosures, the agreements and disclosures will control.

From time to time Minster Bank may place links to other websites on this page. Minster Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.

The information and materials contained in this website are owned by Minster Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.

Minster Bank makes no warranties of any kind regarding the products and services advertised on this site. Minster Bank will use reasonable efforts to ensure that all information displayed is accurate; however, Minster Bank expressly disclaims any representation and warranty, expressed and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. Minster Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise) — including direct, indirect, consequential and incidental damages, that results from the access of or use of this site. This limitation includes, but is not limited to, the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if Minster Bank has been informed of the possibility of such loss or damage.

This agreement may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time.

This agreement and the use of this website are governed by the laws of the state of Ohio.

Minster Bank Alerts Terms and Conditions

Alerts. Your enrollment in Minster Bank 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 Minster Bank account(s). Account Alerts and Additional Alerts must be managed and/or added online through the Service. 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. Minster Bank 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 email message; or (d) your Minster Bank Online Banking message inbox. 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 any time.  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 Minster Bank Online Banking. For help with SMS text alerts, text “HELP” to 99588. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile^®, U.S. Cellular^®, Verizon Wireless, MetroPCS.

Limitations. Minster Bank 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 Minster Bank’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold Minster Bank, 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.

Minster Bank is committed to providing an accessible online environment for all visitors to our website, including those with disabilities. This site has been built using code compliant with WCAG standards. The site displays correctly in current browsers and uses standards-compliant HTML/CSS code. Minster Bank strives to adhere to the accepted guidelines and standards for accessibility and usability; due to some restrictions it may not always be possible to do so in all areas of the website. We are continually seeking out solutions that will bring all areas of the site up to the same level of overall web accessibility. Should you experience any difficulty in accessing the Minster Bank website, please don’t hesitate to contact Susan Bergman at sbergman@minsterbank.com.

Important Information About Procedures for Opening a New Account

Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities.

What this means to you: When you open an account or change an existing account, we will ask each person for their name, physical address, mailing address, date of birth, and other information that will allow us to identify them. We will ask to see each person’s driver’s license and other identifying documents and copy or record information from each of them.