Important Disclosures

Please read these important disclosures about our website, our bank, products and their terms of use.

Commitment to Accessibility

At SouthStar Bank, we are committed to the needs of all of our customers, including those with disabilities, to help them achieve their financial dreams and goals. This commitment is based on our deeply held corporate belief that all individuals are entitled to be treated with dignity and respect. In furtherance of this commitment, and to ensure that all of our customers can enjoy SouthStar Bank’s flexible banking services, we continually look for ways to make our facilities, services, and accommodations more convenient to use. To that end, we offer the same or equivalent access to products, services, and facilities as is provided to those without disabilities, and we prohibit discrimination, retaliation, coercion, interference, intimidation, or any other adverse action against individuals on the basis of disability.

We routinely review our facilities for accessibility, paying careful attention to parking spaces, curbs, ramps, doors, entrances, safe deposit features, lobby areas, and more. Additionally, all of our ATMs have speech-output and voice-instruction capability specifically created for those who are blind or have low vision. Each ATM is also equipped with a phone jack for earphones, ensuring that customers have adequate privacy for all their banking transactions.

To accommodate persons who are blind or have low vision, SouthStar Bank, S.S.B. always offers its customers assistance with reading, filling out, and completing forms. For persons who are deaf or hard of hearing, SouthStar accepts telecommunication relay service calls through the SouthStar Bank telebanking line, 1 (866) 333-9064, and sign language interpreters upon advance request. All locations also offer an atmosphere friendly to service animals and guide dogs at any time.

We are also committed to enhancing our customers’ online experience on our website. While there is no definitive test or certification that determines whether a website is accessible, we strive to deliver content, like closed-captioning on all of our video tutorials, in accessible formats. We are also working with web developers to implement strategies to improve access to our website. Customers who use screen readers may find that their experience is improved if they keep their technology updated by using the latest versions of assistive technology and operating systems. If you find a part of the site that you feel is not accessible, please let us know by contacting us using one of the methods below.

David Kapavik, the President of SouthStar Bank, S.S.B., is deeply-committed to the spirit and intent of this policy. As such, to provide exceptional customer service, there is a red telephone installed in every SouthStar branch lobby that, if accessed, will immediately call Mr. Kapavik’s mobile phone. At SouthStar, you have a direct line to the President because we listen to the needs of our customers.

If you have questions or recommendations about accessibility at SouthStar, or to ask about or request any of these services, please contact your local SouthStar branch. Alternatively, we have designated JoAnn Biezenski, SouthStar Banks’s Executive Vice President of Compliance, as the Bank’s Accessibility Coordinator, and she can be contacted by email at accessibility@southstarbank.com, by phone at (254) 746-7031, or by SouthStar Bank, S.S.B., c/o Accessibility Coordinator, P.O. Box 7, Bremond, TX 76629. We always give requests for reasonable accommodations individualized attention and review each request on a case-by-case basis to determine how to best serve our customers.

Consumer Complaint Notice

How to file a Consumer Complaint:

This institution is chartered, licensed, or registered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Savings and Mortgage Lending.

Any customer wishing to file a consumer complaint against this institution should contact the Texas Department of Savings and Mortgage Lending through one of the means indicated:

FDIC Insurance Disclosure

What is FDIC insurance?

FDIC insurance covers all deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit. FDIC insurance does not cover other financial products and services that banks may offer, such as stocks, bonds, mutual fund shares, life insurance policies, annuities or securities. The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership. The FDIC provides separate coverage for deposits held in different account ownership categories. Depositors may qualify for more coverage if they have funds in different ownership categories and all FDIC requirements are met. (For details on the requirements, click here.)

The FDIC Insurance ownership categories are:

  1. Single Accounts
  2. Joint Accounts
  3. Certain Retirement Accounts (includes IRAs)
  4. Revocable Trust Accounts
  5. Corporation, Partnership and Unincorporated Association Accounts
  6. Irrevocable Trust Accounts
  7. Employee Benefits Plan Accounts
  8. Government Accounts

All deposits that an account holder has in the same ownership category at the same bank are added together and insured up to the standard insurance amount. To calculate your deposit insurance coverage, use the FDIC’s Electronic Deposit Insurance Estimator (EDIE).

Investment Advice Disclosure

Investment Advice

SouthStar Bank, SSB does not offer investment products or provide investment advice. We do not employ Certified Financial Planners or other investment professionals, and therefore we are not authorized to provide investment or tax advice. Please consult with your licensed Financial Planner or other investment professional for investment advice. Consult a CPA or other licensed tax professional for tax advice.

Privacy Policy

What does SOUTHSTAR BANK do with your personal information?

WHY?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

WHAT?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• Social Security number
• Payment History
• Transaction History
• Credit History
• Overdraft History
• Account Transactions

When you are no longer our customer, we continue to share your information as described in this notice.

HOW?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons SouthStar Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does SouthStar Bank share?

Can you limit this sharing?

For our everyday business purposes —
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes —
to offer our products and services to you

No

We don’t share

For joint marketing with other financial companies

Yes

No

For our affiliates’ everyday business purposes —
information about your transactions and experiences

Yes

No

For our affiliates’ everyday business purposes —
information about your creditworthiness

No

We don’t share

For our affiliates to market to you

No

We don’t share

For nonaffiliates to market to you

No

We don’t share

 

Questions?

 Call 361-596-4611 or go to www.southstarbank.com.

 

WHAT WE DO

How does SouthStar Bank protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does SouthStar Bank collect my personal information?

We collect your personal information, for example, when you
• Open an account
• Pay your bills
• Apply for a loan
• Use your credit or debit card
• Make deposits or withdrawals from your account
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only
• sharing for affiliates’ everyday business purposes — information about your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

 

DEFINITIONS

 

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies, including
• Financial companies such as: holding company and banks within holding company

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.
• Nonaffiliates we share with can include Securities Brokers-Dealers

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include Securities Broker-Dealers.

 

OTHER IMPORTANT INFORMATION

 

For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing — without your authorization.

For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing — without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing — without your authorization.

For Vermont Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.

Substitute Checks Disclosure

Substitute Checks and Your Rights Disclosure

As an account holder, you may see substitute checks from time to time, such as when you receive your account statement with copies of your checks, when you view your account information online, or when you request a copy of your original check for proof of payment. The following substitute check disclosure provides information about substitute checks and your rights. So you will recognize a substitute check when you receive one, we have also included an illustration of the front side of a substitute check along with an explanation of the substitute check’s components.

What is a substitute check?

To make check processing faster, federal law permits banks to replace original checks with “substitute checks.” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: ‘This is a legal copy of your check. You can use it the same way you would use the original check.’ You may use a substitute check as proof of payment just like the original check.

Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions.

What are my rights regarding substitute checks?

In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, it you think that we withdrew the wrong amount from your account or that we withdraw money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees).

The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law.

It you use this procedure, you may receive up to $2,500.00 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar day(s) after we received your claim.

We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account.

How do I make a claim for a refund?

If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at:
SOUTHSTAR BANK, S.S.B.
100 S MAIN / PO BOX A
MOULTON, TX
77975-0010
Phone: (361) 596-4611

You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances.

Your claim must include—

  • A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);
  • An estimate of the amount of your loss;
  • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and
  • A copy of the substitute check and/or the following information to help us identify the substitute check: the check number, the amount of the check, the name of the person to whom you wrote the check and the date of the check.

Substitute check image:

  • An image of the original check appears in the upper right-hand corner of the substitute check.
  • A substitute check is the same size as a standard business check.
  • The information in asterisks relates to the “reconverting bank” – the financial institution that created the substitute check.
  • The information in brackets (appears sideways facing check image) relates to the ‘truncating bank’ – the financial institution that took the original check out of the check processing system.
  • The Legal Legend states: This is a legal copy of your check. You may use it the same way you would use the original check.
  • The MICR lines at the bottom of the image of the original and at the bottom of the substitute check are the same except for the “4” at the beginning of the substitute check number, which indicates that it is a substitute check being moved forward for collection purposes. It is also possible for a substitute check number to begin with a “5” if the item is being returned. The rest of the MICR line is the same as the original check to ensure that it is processed as though it were the original.

Unlawful Internet Gambling Disclosure

 Unlawful Internet Gambling Disclosure

Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful internet gambling.

USA Patriot Act Disclosure

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT:

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

What does this mean 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.

Website Terms of Use

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.

SouthStar Bank (“SSB”) may make changes at any time to the SSB Products or these Terms of Use. Any modifications to these Terms of Use will be effective upon posting. You should periodically review these Terms of Use to apprise yourself of any modification, revision or update. Your continued use of the SSB Products following posting of any revised Terms of Use will constitute acceptance of the modified Terms of Use.

No Warranties

Although SouthStar Bank (SSB) attempts to provide accurate information, names, images, pictures, logos, icons, documents, and materials (collectively, the “contents”) on the Website, it makes no representation, endorsement, or warranty that such contents are accurate or suitable for any particular purpose. The Website and its contents are provided on an “As Is” basis. Use of the Website and its contents is at the User’s sole risk. SSB makes no warranties of any kind regarding the Products and Services advertised on this site. SSB will use reasonable efforts to ensure that all information displayed is accurate, however, SSB expressly disclaims any representation and warranty, express 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, malware, or other malicious source code. SSB is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential, and incidental damages, that result 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.

Links to Websites

From time to time, SSB may place links to other Websites or resources on this site. When you’re browsing a secure section of our site, clicking a link that redirects you to a third party web site will result in an on-screen warning. This warning alerts you that you are going to a site not controlled by SSB.  SSB is not responsible for the content on any site other than the SSB Website. Users assume all responsibility when they visit other sites via the links included in the SSB Website.

Intellectual Properties

Except as expressly noted on this Website, all contents and their arrangement are the sole and exclusive property of SSB. The information, graphics and materials contained in this Website are proprietary to SSB or provided under agreement to SSB, as applicable. No material may be copied, displayed, transmitted, distributed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.

Cookies

Our Online Banking system uses cookies as a security device and to collect information for administrative and security purposes only. SSB does not share cookies information with any third-party vendor for marketing or any other purpose as published in our Privacy Policy. SSB’s Online Banking System is designed to use cookies through a single session and delete them when you log out. The information that is stored is extremely small and should not noticeably affect either your system’s storage capacity or its performance.

Severability

If any of the provisions of this Terms of Use are deemed invalid under any applicable statute or rule of law, all remaining provisions shall remain in full force and effect.

Waiver

No waiver by SSB of any right, term, or provision of these Terms of Use will be deemed a waiver of any other right, term, or provision of these Terms of Use at that time or a waiver of that or any other right, term, or provision of these Terms of Use at any other time.

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Texas, without regard to the conflict of laws thereof and to the laws of the United States.