Terms of Use Statement

Terms and Conditions


This Internet Banking Agreement and Disclosure governs your use of Internet Banking. Throughout this web site the Agreement and Disclosure will be referred to as “Agreement.” By using Internet Banking, you agree to all of the terms of this Agreement. Please read it carefully and keep a copy for your records.


Internet Account Access: No Charge

Internet Bill Pay Services: No Charge


You or Your – The person(s) subscribing to or using Internet Banking.

We, Us, or Our – Refers to Texas Republic Bank and any agent, independent contractor, designee, or assignee Texas Republic Bank may involve in the provision of Internet Banking.

Business Day – Any calendar day other than Saturday, Sunday, or any holidays recognized by Texas Republic Bank.

Virus Protection

Texas Republic Bank is not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their PC and diskettes using a reliable virus product to detect and remove any viruses. Undetected or unrepaired viruses may corrupt and destroy your programs, files and even your hardware. Additionally, you may unintentionally transmit the virus to other computers.

About Internet Banking

The Internet Banking system that is accessible by Texas Republic Bank’s customers over the Internet currently consists of:

  • Account Inquiries
  • Secure Applications
  • View Detailed Transactions
  • View Images of Checks – Full Statements
  • Downloads
  • View Pending ACH Debits and Credits
  • Set Up Bill Pay

Additional components of an Internet Banking site involves in-bank transfers and bill payments. The different features of these components are:

  • Account Transfers
  • One-time Electronic Payments
  • Fixed Recurring Payments
  • Variable Recurring Payments
  • Log-On and Security

In order to ensure the security of your accounts, we will end your online session if we have detected no activity for five (5) minutes. This is to protect you in case you accidentally leave your computer unattended while you are logged on. When you return to your computer, simply re-enter your passcode and your session will continue where you left off. 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. (We suggest that you stay away from names, dates, and information that may easily be guessed.) Keep your passcode safe. Memorize your passcode and never tell it to anyone. Change your passcode frequently. This can be done at the beginning of each Internet session. Three (3) invalid passcode attempts will lock your online banking account and you will need to contact Texas Republic Bank to have this reset.

Cancellation of Internet Banking

Your Internet Banking may be canceled at any time without prior notice due to insufficient funds in one of your accounts. After cancellation, service may be reinstated once sufficient funds are available in your accounts to cover any fees and other pending transfers or debits. In order to reinstate services, you must call Texas Republic Bank Internet Banking Coordinator at (972) 334-0700.

Balance Inquiries and Transfers

You may use Internet Banking to check the balance of your accounts and to transfer funds among your accounts. According to Federal regulations, you may not make more than six (6) pre-authorized or automatic transfers from your Money Market Deposit Account during a given monthly statement period. There are no limits to the number of transfers from your Checking Accounts.

Balances shown for accounts may include deposits subject to verification by us. The balance may also differ from your records due to deposits in progress, outstanding checks or other withdrawals, payments or charges. A transfer request may not result in immediate availability because of the time required to process the request. If you have further questions contact your Internet Banking Coordinator.

Bill Pay

It is easy to pay bills online. To sign up, click on the Bill Pay tab after you are logged in to the Internet Banking platform. Our third party Bill Payment provider is PayLinks. Bill Pay Customer is subject to the Terms and Conditions set forth by PayLinks. We are unable to process any payments to federal, state, or local tax agencies.

Bill Payment Service

No Charge

Liability of Incomplete Transactions

It is our responsibility to process all transfers properly initiated through Internet Banking in accordance with this Agreement. We will not be liable if any of the following occurs:

  • Funds are not available in your account or attached credit line.
  • Funds are subject to legal process.
  • You had knowledge of or questions about the possible malfunction of equipment when you initiated the transaction.
  • Natural disasters (fire, flood, tornado, etc.) or other uncontrollable circumstances (mail delays, power failures, etc.) prevent proper completion and delivery of transactions.
  • Other applicable laws and/or regulations exempt us from liability.

Notice of Your Rights and Liabilities

Notify us immediately if your passcode has been lost or stolen. Failure to notify us immediately could result in the loss of all money accessible by the passcode.

If we are notified within two (2) business days after you discover that your passcode has been lost or stolen, you can lose no more than $50 if someone used it without your permission. If you do not notify us within two (2) business days, and we can prove we could have prevented someone from using the Passcode without your permission, you could lose as much as $500.

If your statement shows unauthorized transfers, notify us within 60 days after the statement is mailed to you or viewed on your computer. After 60 days, if we can prove that we could have stopped someone from taking the money if we had been told, lost funds might not be recovered.

Errors and Questions

In cases of errors or questions concerning transactions completed with Internet Banking, do one of the following, as soon as possible:

  • Telephone Texas Republic Bank Customer Service at (972) 334-0700; or
  • Write to Texas Republic Bank at 2595 Preston Road, Bldg. 100, Frisco, TX 75034

We must hear from you within 60 days after you receive the first statement or notification in which the error or problem appeared. Please include the following information:

  • Name
  • Account Number
  • Description of the error or what you are unsure about, plus an explanation of why you believe it is an error or why you need more information.
  • Tell us the amount of the error.

We will tell you the results of our investigation within ten (10) business days after we hear from you. If we need more time we may take up to 45 business days to investigate. If we choose to take up to 45 business days, we will give you a provisional credit to your account within ten (10) business days. If we decide there was no error, we will furnish you with a written explanation within three (3) business days after the investigation is complete.

Disclosure of Account Information to Third Parties

Information to third parties about your account(s) or the transaction(s) you make will only be disclosed if at least one of the following applies:

  • It is necessary to complete a transaction.
  • To verify the existence and condition of your account to a third party such as a credit bureau or merchant.
  • To comply with a governmental agency or court order.
  • If permission is given to us by you, which we may require to be in writing.
  • To collect information for internal use, the use of our service providers, and our servicing agents and contractors concerning our electronic funds transfer service.
  • It involves a claim by or against us concerning a deposit to or withdrawal from your account.
  • Where otherwise required or permitted under state or federal laws and/or regulations.

No Signature Requirements

When any payment or other on-line service generates items to be charged to your account, you agree that we may debit the designated account, or the account on which the item is drawn, without requiring your signature on the item and without any notice to you.


You may terminate the use of Internet Banking by contacting Texas Republic Bank in writing by mail, e-mail, or personal delivery to your financial institution. If your account is closed or restricted for any reason, Internet Banking accessibility will automatically terminate.

Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of Texas.


This agreement may not be assigned to any other party by you. We may assign or delegate, in part or whole, to any third party.


Terms and conditions of this agreement may be amended in whole or part at any time within 30 days written notification prior to the change taking effect. If you do not agree with the change(s), you must notify us in writing prior to the effective date to cancel your access. Amendments or changes to term(s) or condition(s) may be made without prior notice if it does not result in higher fees, more restrictive service use, or increased liability to you.

Entire Agreement

This Agreement supplements any other agreements or disclosures related to your account(s), including the Deposit Account Agreement and Disclosures.