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Online Banking Agreement

In order to use Bandera Bank’s Online Banking, you must accept the following agreement.  By accepting this agreement, you are consenting to all the terms and conditions stated.


We, our, and us, when used in this notice, means Bandera Bank.

When we used the words “you” and “your” we are referring to Bandera Bank customers.

Business Day refers to Monday through Friday excluding Bank Holidays.

Internet Banking, or Online Banking refers to the online banking service.

Charges and Fees

Bandera Bank does not charge for its online banking product or its bill payment service.  Excessive bill pay transfers and expedited payments may incur a charge.

Account Names and Passwords

Bandera Bank is committed to protecting the privacy of your personal and financial information.  Once logged in to our system you may change your login name if you choose to do so.    Once logged in to our online system we will ask you to answer a security question, these may be used also to verify your identity.  This process is for your protection.

After applying, you will be issued a login name and temporary password.  The first time you log on, you will be asked to change this password.  It is your responsibility to keep your login name and password safe.  We recommend you memorize this information rather than writing it down.  If you forget your password, you may call the bank to have it reset, or sign up for Forgotten Password.  However, please be advised that the bank can only reset your password to its original state.  After your password has been reset, you will be required to change the password on your first log in.

Passwords must be 6 – 15 characters.  For security purposes, your password may expire every 90 days and you will be required to change it.  After 3 failed attempts to log on, your account will be “locked”.  You must call the bank to have this reset.  After 90 days of inactivity, your online banking account will be dormant, and you must call in to have it reinstated.

Some Operating Systems and Browsers allow your PC to remember your passwords for certain programs.  We recommend you do not use these functions.

If at any time, your login name and password have been compromised or stolen, it is your responsibility to notify the bank.  You must notify us by phone as soon as you discover that your login name or password has been compromised.

Choose a Strong Password

Avoid words found in the dictionary, including names of famous places and people.  Also, be sure to refrain from names or nicknames of people, pets, or places, or personal information that can be easily discovered, such as your address, birthday, or hobbies.

Don’t include any of these:

  • Repeated characters, such as AAA or 555;
  • Alphabetic sequences, such as abc or CBA;
  • Numeric sequences, such as 123 or 789;
  • Common keyboard sequences such as Qwerty or pasd.

Password Tips

Your password should be easy for you to remember, but difficult for anyone else to guess.

Invent your own secret password, like this:  s3cr3t p@s5w*rd.  Don’t bother with simple substitutions, such as replacing the letter O with the number zero.  Get creative with mixing numbers, symbols and letters in your own way.

Or try a passphrase:  a line from a favorite song, poem, etc.  Take the first letter of each word and keep the punctuation, or pick one or two letters or symbols to represent each word, then mix in punctuation and numbers that are meaningful to you.

Please don’t use any of the example passwords shown here.


You may transfer funds to and from your Bandera Bank accounts, make loan payments, view history of your accounts, view images of your checks and deposits, download account information and view account statements.

Only authorized signers on accounts will be given access to the account via Online Banking.  We will verify this information before approving your application.

You may set up one-time transfers or recurring transfers to and from your accounts with Bandera Bank.  All transfers done before 3:00 pm will be processed on that business day.  Your account information and history is real time or “live” data.  According to Federal Reserve Board Regulation D, online transfers will be subject to the same rules and restrictions that in house or telephone transactions are subject to.

Your statements may also be viewed online.  These will not take the place of the monthly or quarterly statements that we send to you via US Mail, or electronic transmission.  The online statements can be viewed in “PDF” format.  There is no charge for viewing or printing online statements.  Statement history will start accruing after the first time you log on and up to a year after.  Copies of statements before that date will still have to be requested from the Customer Service department at the bank, and will be subject to research fees.

Accounts That Require 2 Signatures

Bandera Bank only requires one signature on any account.  It’s the customer’s responsibility to monitor the account for 2 signatures.


Bandera Bank knows the importance of security and confidentiality of our customers’ records and account information.  We use the latest technology including firewalls, encryption, and intrusion detection and testing.  Firewalls combine hardware and software to block unwanted communications into and out of our network.  Encryption transforms data into an unreadable format.  The bank uses 128-bit encryption for all Internet Banking system communications.  Encryption is used when transmitting all sensitive or critical data.  Bandera Bank uses a third-party company to perform intrusion detection and testing of the bank’s system.  Bandera Bank is committed to keeping the information of its customers secure.

The online banking system will automatically log you off after 10 minutes of non-use.  Please do not leave your PC unattended while you are signed on to online banking or bill pay.

Virus Protection

Bandera Bank has a company-wide virus detection and prevention program to reduce the likelihood of computer viruses.  The bank is not liable for any electronic virus that a customer may encounter while using Online Banking.  We encourage you to use your own virus detection software.  We recommend using the software to scan your PC on a regular basis.  You should always remove any viruses from your PC.


Bandera  Bank does not have control over and is not responsible for the content of any websites or links that are linked to our website or Internet Banking site.  Our site is checked periodically for accuracy and content.  The bank is not responsible for any vandalizing or corruption of its sites or links.

Hardware and Software Requirements

There are no certain hardware and software requirements for using Bandera Bank’s Internet Banking product.  You must be using 128-bit encryption and Cookies must be enabled to use this product.

Termination of Services

If at any time you decide to terminate your Internet Banking service or wish to request deletion of data with Bandera Bank, please notify us in writing.


By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

Texas Notice

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 Banking. Any consumer wishing to file a complaint against this institution should contact the Texas Department of Banking through one of the means indicated below:

In Person or U.S. Mail:
2601 North Lamar Blvd.,
Ste. 300, Austin, TX

Telephone: 877-276-5554

Fax: 512-475-1313


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24 Hr Tele Bank 830-796-9011
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