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Please provide us with the information requested below.   After you fill out and submit this form, it will be emailed to the appropriate bank representative via SECURE email.  We will call you to confirm your request for an on-line account during normal business hours, often the same day.

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.

*First Name:  Mi:
*Last Name: 
*Address Line 1:  
  Address Line 2:  
*City: *State *Zip:
*Home Phone:        
*Work Phone:        
*Social Security Number:        



This is your Online Banking and Bill Pay agreement with Grapeland State Bank.

This Agreement establishes the rules that cover electronic access to your accounts with Grapeland State Bank through Online Banking and Bill Pay. By using Online Banking and Bill Pay, you accept all the terms and conditions of this Agreement. Please read this agreement carefully.

For the purposes of this agreement, "you" and "your" shall refer to each person who contracts with Grapeland State Bank for Online Banking and Bill Pay. "We", "our", and "us" shall refer to Grapeland State Bank.


To use Online Banking, you must have at least one account at Grapeland State Bank, access to the Internet, and an e-mail address. Online Banking can be used to access only the Grapeland State Bank accounts for which you have been designated as an account owner.

You may access your accounts with Grapeland State Bank to:

  View your account balances

  View your transaction information and history

  Transfer funds, or make loan payments, between your accounts with Grapeland State Bank

You can use Online Banking seven days a week, twenty-four hours a day, although some or all Online Banking services may not be available occasionally due to emergency or scheduled system maintenance.


Your User ID and Password are intended to provide security against unauthorized entry and access to your accounts. For security purposes, we recommend that you create a password that contains both upper and lower case alpha and numeric characters. Your password should not be associated with any commonly known personal identification, such as your social security number, address, date of birth, names of children, etc.

For security purposes, you must change your password upon your initial login to Online Banking. You determine the password you desire to use. You agree that we are authorized to act upon instructions received under your password. You accept responsibility for the confidentiality and security of your password and agree to change your password regularly. Upon three unsuccessful attempts to use your password, your access to Online Banking will be locked out. To re-establish your authorization to use Online Banking, you must contact us to have your password reset or to obtain a new temporary password.

You understand the importance of your role in preventing misuse of your accounts through Online Banking and you agree to promptly examine your paper/electronic statement for each of your Grapeland State Bank accounts as soon as you receive it.

You agree to protect the confidentiality of your account and account number, and your personal identification information, such as your driver's license number and social security number. You understand that personal identification information by itself or together with information related to your account, may allow unauthorized access to your account.


Security of your transactions is important to us. Use of the Online Banking services will therefore require a PIN or password. If you lose or forget your PIN or password please call (936)687-4813 during normal business hours.

We will accept as authentic any instructions given to us through the use of your password or PIN. You agree to keep your PIN and password secret and to notify us immediately if your PIN or password is lost or stolen or if you believe someone else has discovered your PIN or password.

You agree that if you give your PIN or password to someone else, you are authorizing them to act on your behalf, and we may accept any instructions they give us to make transfers or otherwise use the Online Banking services. You may change your password at any time using TeleBank.

We may be liable for certain security breaches to the extent required by applicable law and regulation. We do not assume any other liability or otherwise guarantee the security of information in transit to or from our facilities. Please note that we reserve the right to:

1) Monitor and/or record all communications and activity related to the Online Banking services; and

2) Require verification of all requested transfer in the manner we deem appropriate before making the transfer (which may include written verification by you).

You agree that our records will be final and conclusive as to all questions concerning whether or not your PIN or password was used in connection with a particular transaction.

If any unauthorized use of your PIN or password occurs, you agree to cooperate with us and appropriate law enforcement authorities in identifying and prosecuting the perpetrator; and provide reasonable assistance requested by us in recovering any unauthorized transfer of funds.

Notify us immediately if you believe your PIN or password has been lost or stolen. Telephoning is the best way to keep your possible losses down. You could lose all the money in your account (plus your maximum line of credit). If you tell us within two (2) business days you can lose no more than $50.00. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your PIN or password, and we can prove we could have stopped someone from using your PIN or password without your permission if you had told us, you could lose as much as $500.00.

If your statement shows transfers that you did not make you must tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any funds you lost after the 60 days if we can prove that we could have prevented someone from taking the funds had you told us in time.

If you believe that your PIN or password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (936)687-4813 during normal business hours.



Transfers from your deposit accounts initiated through Online Banking are posted at the time you initiate the transfer.


The number of transfers from Grapeland State Bank accounts and the amounts that may be transferred are limited pursuant to the terms of the applicable deposit agreement and disclosure for those accounts. Please refer to your deposit agreements and disclosures for information concerning specific account terms. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.


You will not receive a separate Online Banking statement. Transfers to and from your accounts using Online Banking will appear on the respective periodic statements we provide for your Grapeland State Bank accounts.


There is no charge for Online Banking or Online Bill Pay, however other fees could apply.

If the deposit account from which an Online Bill Payment is made is subject to per-item fees for excessive debit transactions, such as Money Market or Savings accounts, a fee will be charged for each Online Bill Payment in excess of the specified limit.

Optional services may be assessed a fee which will be displayed prior to conducting each transaction (ie. gifts, or charitable donations).


You may use Grapeland State Bank bill paying service, Online Bill Pay, to direct Grapeland State Bank to make payments from your designated checking account to the "Payees" you choose in accordance with this agreement. The terms and conditions of this agreement are in addition to the account agreements, disclosures and other documents in effect from time to time governing your account.



If you want to add a new "Payee," first select the "Payee" tab located in the bill pay or speak to a service representative. We reserve the right to refuse the designation of a "Payee" for any reason.


You may add a new payment to a "Payee" by accessing the service and entering the appropriate information. Most other additions, deletions, or changes can be made in writing or by using the service. You may pay any "Payee" with-in the United States (including U.S. territories and APO's / AEO's).

We are not responsible for payments that cannot be made due to incomplete, incorrect, or outdated information.


Single Payments -

A single payment will be processed on the business day (generally Monday through Friday, except certain holidays) that you designate as the payment's processing date, provided the payment is submitted prior to the daily cut-off time on that date. The daily cut-off time, which is controlled by us, is currently 3:00 p.m. Central Standard Time.

A single payment submitted after the cut-off time on the designated process date will be processed on the next business day. If you designate a non-business date (generally weekends and certain holidays) as the payment's processing date, the payment will be processed on the first business day following the designated processing date.

Recurring Payments -

When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a processing date is calculated for the next occurrence of the payment. If the calculated processing date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules:

If the recurring payment's "Pay Before" option is selected, the processing date for the new occurrence of the payment is adjusted to the first business date prior to the calculated processing date.

If the recurring payment's "Pay After" option is selected, the processing date for the new occurrence of the payment is adjusted to the first business date after the calculated processing date.

Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated processing date, then the last calendar day of that month is used as the calculated processing date.

Single and Recurring Payments -

The system will calculate the Estimated Arrival Date of your payment. This is only an estimate, so please allow ample time for your payments to reach your "Payees".

Canceling a Payment -

A bill payment can be changed or cancelled any time prior to the cutoff time on the scheduled processing date.


Any bill payment is limited to $2,500.00 or the balance available in the applicable account. Online Bill Payments and transfers to and from an account are subject to the terms and conditions applicable to that account as set forth in the account agreement governing such account.


Your Online Banking and Bill Payment is subject to sufficient funds being available in the affected account to cover the bill payment on the payment processing date.


If we do not complete a transfer to or from your account, including a bill payment, on time or in the correct amount, according to our agreement with you when you have properly instructed us to do so, we will be liable to you for your losses or damages caused as a result. However, there are some exceptions. We will NOT be liable, for instance:

1) If, through no fault of ours, you do not have enough money in your account to make a transfer.

2) If a legal order directs us to prohibit withdrawals from the account.

3) If your account is closed, or if it has been frozen.

4) If the transfer would cause your balance to go over the credit limit of an established line of credit or the credit limit for any credit arrangement set up to cover overdrafts.

5) If you, or anyone authorized by you, commits any fraud or violates any law or regulation.

6) If any electronic terminal, telecommunication device, or any part of the Online Banking electronic fund transfer system is not working properly, and you knew about the problem when you started the transfer.

7) If you have not provided us with complete and correct payment information for the Bill Payment Service, including, without limitation, the name, address, your payee-assigned account number, payment date, and payment amount for the payee on a bill payment.

8) If you have not properly followed the on-screen instructions for using Online Banking.

9) If circumstances beyond our control (such as fire, flood, interruption in telephone service or other communication lines) prevent the transfer, despite reasonable precautions that we have taken.


You are solely responsible for controlling the safekeeping of and access to your Personal Identification Number (PIN).

If you want to terminate another person's authority to use the Bill Pay service, you must notify us and arrange to change your PIN.

You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment.

We are not responsible for a bill payment that is not made if you did not properly follow the instructions for making a bill payment.

We are not liable for any failure to make a bill payment if you fail to promptly notify us after you learn that you have not received credit from a "Payee" for a bill payment.

We are not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be our agent.


Telephone us at (936) 687-4813, or write to us at P.O. Box 117 Grapeland, TX 75844 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

1. Tell us your name and account number (if any).

2. Describe the error or payment you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

3. Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 Business Days to do this, we will credit your account 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 you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved an account, a point-of-sale transaction, or a foreign initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) 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 10 business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer.

We will tell you the results within three 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.


We may disclose information to third parties about your account and the Online Bill Payments or transfers you make:

1. When it is necessary for verifying or completing payments or transfers, or resolving a problem relating to a payment or transfer.

2. In order to verify the existence and the condition of your account for a third party, such as a credit bureau or merchant.

3. In order to comply with government agency or court order.

4. To any of our subsidiaries or affiliates in order to offer products or services that may interest you.

5. If you give us your written permission.

6. As otherwise permitted in our Deposit Agreements, by law, or as required by government regulations.


We will mail or deliver a written notice at least 21 days before the effective date of any change in a term or condition disclosed in this Agreement, if the change would result in increased fees or charges, increased liability for you, fewer types of available electronic fund transfers or stricter limitations on the frequency or dollar amounts of electronic fund transfers, unless prior notice is excused by law. Your continued use of any subject Online Banking Services indicates your acceptance of the change in terms.


Except as otherwise provided in the Agreement or by law, we are not responsible for any loss, injury, or damage, whether direct, indirect, special, or consequential, caused by the Online Banking or Bill Pay services, or the use thereof, or arising in any way out of the installation, operation, or maintenance of your PC equipment.


No waiver of the terms of this Agreement will be effective, unless in writing and signed by an officer of this bank.


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


The laws of the state of Texas shall govern this Agreement and all transactions hereunder. You acknowledge you have reviewed this Agreement, understand the terms and conditions set forth herein, and agree to be bound hereby.


In consideration of being allowed access to the Online Banking and Bill Pay services, you agrees to indemnify and hold the Bank harmless for any losses or damages to the Bank resulting from the use of Online Banking and Bill Payment services, to the extent allowed by applicable law.


We have the right to change this agreement at any time by notice mailed to you at the last address shown for the account on our records, by posting notice in branches of Grapeland State Bank, or as otherwise permitted by law.


We have the right to terminate this agreement at any time. You may cancel your Online Banking service at any time by providing us with written notice to us. You remain obligated for any payments made by us on your behalf prior to the date of cancellation.

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