Privacy Policies and Notices

updated 08/08/2024

Loan Payment Crediting Policy

HomePride Bank’s policy for crediting loan payments same day is for payments received during the hours of when the branch location’s drive-thru opens until 3 pm, Monday through Friday, excluding bank holidays. Payments received outside these operating hours will be credited next business day. All payments received on a Saturday, regardless of method of payment, will be credited next business day.

HomePride Bank understands there are several methods by which customers can make a loan payment and will credit payments same day, if possible, in accordance with the bank’s policy. A complete copy of this policy detailing the methods of payment and when crediting of payments is done can be requested at any HomePride Bank location or by calling 855-447-2265.

Electronic Funds Transfer Service Limits and Fees

All Direct Deposits

No Charge for Preauthorized ETFs. We do charge $20.00 for each stop payment order for preauthorized transfers.

ATM/POS/Debit Card Services

There is no charge for ATM withdrawals at machines owned by HomePride Bank.

There is a $3.00 charge per withdrawal at all out-of-network ATMs.

Other fees include:

  • $10.00 card replacement fee
  • $5.00 PIN number reissue fee
  • $20.00 hotcard fee

HOMEPRIDE BANK PRIVACY POLICY

Our Privacy Commitment to You

We recognize, respect, and protect the personal privacy rights of all our customers. We realize that our customers entrust us with personal information and it is our policy to maintain our customers' information in a confidential manner. We are committed to providing the highest level of security and privacy regarding the collection and use of our customers' personal information, as well as personal information of all consumers who visit any of the HomePride Bank locations or use our online and mobile banking services.

Information We Collect

  • We collect the following types of personal information:
  • Information that we receive from you on applications or other forms, such as your name, address, phone number, email address, Social Security number, income, and employment information
  • Information about your transactions with us, our affiliates, or others, such as your account balances, transaction history, parties to transactions, and credit card usage
  • Information we receive from a consumer reporting agency, such as your creditworthiness and credit history
  • Information gathered online or through mobile apps, including:
    • Contact information you provide through forms, messages or uploaded documents
    • Financial information such as account numbers and balances
    • Device information such as IP address and mobile network data
    • Usage data on your interactions with our digital platforms
    • Real-time geographic location of your device, if enabled
    • Cookies to track website usage and preferences

How We Use Your Information

We use the personal information we collect to:

  • Process your transactions and maintain your accounts
  • Respond to your requests and communicate with you
  • Service your accounts and provide online/mobile banking functionality
  • Personalize your experience and recommend products or services
  • Detect and prevent fraud and enhance information security
  • Comply with legal obligations and regulatory requirements

Sharing Your Information

We may share your personal information with:

  • HomePride Bank affiliates and subsidiaries
  • Service providers and vendors that assist us in operating the bank
  • Government agencies and law enforcement to comply with legal orders
  • Credit bureaus and reporting agencies
  • Other third parties with your consent or as permitted by law

We do not share your information with non-affiliated parties for their own marketing purposes.

Your Choices

  • You may update your contact information or preferences by logging into online/mobile banking and accessing your profile settings.
  • You can enable or disable access to device features like location services through your device settings.
  • We will honor your requests to limit sharing of your information.

Protecting Your Information

We use reasonable physical, electronic and procedural safeguards to protect your personal information. This includes using encryption and secure transmission protocols for data in transit and at rest. You are responsible for keeping your online/mobile banking login credentials confidential.

App Permissions

Our mobile apps may request the following device permissions in order to provide full banking functionality:

  • Contact List: Enables sending money to your contacts using Zelle
  • Photos: Allows capturing check images for mobile check deposit
  • Location: Provides location-based services like finding nearby branches or ATMs

Updates to HomePride Bank’s Privacy Policy

This privacy policy may be updated periodically and without prior notice to you to reflect changes in our information practices. We will notify you of any material changes by posting the revised policy on our website and in our mobile apps. Your continued use of our services will indicate your acceptance of the updated policy.

Questions and Contact Information

If you have any questions or concerns about our privacy policy or practices, please contact us at:

HomePride Bank
P.O. Box 138
Mansfield, MO 65704
855-447-2265
customerservice@homepridebank.com

Note: By using HomePride Bank's services, you acknowledge and agree to the practices described in this privacy policy.

 

Online Banking Agreement

HomePride Bank Online Banking Service Agreement

This Agreement describes your rights and obligations as a user of HomePride Bank’s online banking service. It also describes the rights and obligations of HomePride Bank. Please read this Agreement carefully. By requesting and using this Service, you agree to comply with the terms and conditions of this Agreement. In addition to this Agreement, you agree to be bound by and comply with the terms and conditions of other Agreements and Disclosures that govern the accounts you access using the electronic banking service. Your use of the online service is your acknowledgment that you have received these agreements and intend to be bound by them. HomePride Bank may modify the terms and conditions applicable to the Online Banking Service from time to time by making the new terms and conditions available at our web site. The revised terms and conditions will be effective at the earliest date allowed by applicable law. We may send any notice to you via electronic service and you will have been deemed to have received it three days after it is sent whether or not you have signed on to the service. New online services may be introduced from time to time. If you choose to use these services when they become available, you agree to be bound by the rules made available to you online concerning such services. Further details regarding bank policy, your banking accounts, and the rules and regulations that govern them may be found in the Account Disclosure that was provided to you when you opened your deposit account. Details regarding service charges and service fees may be found in the Account Agreement you signed when opening your account. You may request a replacement copy of the Account Agreement or the Account Disclosure from your local branch bank. Definitions-The following definitions apply in this Agreement: “HomePride Online," "online banking," "online service," or “service,” refers to the Internet-based service providing access to your accounts; "Online Account" means any account for which you have access to by using this Service. "Login ID” is the identification name or number you will use to access your online accounts. HomePride Bank will assign your first Login ID. You will have the option to select a new Login ID after you access your online service for the first time. “Login Password" or “password” refers to the combination of letters, numbers, and special characters that you will use in addition to the Login ID to access your online account. HomePride Bank will assign your first Login Password; you will be required to change it at your first login. "Time of day" refers to Central Standard Time; "We," "us," “financial institution,” or “Bank,"refers to HomePride Bank.

Customer Service

  • You may contact our Customer Service Representatives by calling or visiting one of our branch locations. Mansfield; 110 E. Commercial St., Mansfield, MO 65704; 417-924-3211
  • Norwood; 298 W. Norwood St., Norwood, MO 65717; 417-746-4585
  • Seymour; 215 N. Division St., Seymour, MO 65746; 417-935-4647
  • Fordland; 437 W. Sunset St., Fordland, MO 65652; 417-767-4411
  • Ava; 1112 N. Jefferson St., Ava, MO 65608; 417-683-3211

Access to Service

HomePride Online will be available 24 hours a day, seven days a week, except during special maintenance periods. We will provide instructions of how to use the Online Banking Service through the Help functions available at the site or with written material. You will gain access to your Online Service by use of your Internet-enabled device.

Access Security

You agree not to allow anyone to gain access to the Online Service by sharing your personal Login ID and/or Login Password. If you share your Login ID or password with others and there is a loss, you agree to assume responsibility for all transactions up to the limits allowed by applicable law. Lost or Stolen Password If your password has been lost, stolen, or compromised, call a HomePride Bank Customer Service Representative as soon as possible. Representatives will be available to take your call from 8:30 a.m. to 4:30 p.m. Monday through Friday or 8:30 a.m. to noon on Saturday.

Transactions with Online Banking

In addition to viewing account information, you may use HomePride Online to transfer funds between your checking, savings, and money market accounts and to make loan or line of credit payments. Some limitations may apply. For instance, if your account is a savings or money market deposit account, Federal law requires that an Account Holder may make no more than six (6) transfers and/or withdrawals during any one (1) calendar month or statement cycle (the period from one statement to the next) to another of your accounts with us or to a third party by means of a preauthorized or automatic transfer; telephone or online transfer; or by check, draft or debit card; or a combination of the above. In accordance with federal law, if you exceed these limits in your savings or money market account, your account may be subject to service charge and closure.

Transaction Posting

For determining the posting of your transactions, every day is a business day except for Saturday, Sunday, federal holidays, or occasions when we are unable to open the bank due to inclement weather or emergencies. If you generate an online transaction, i.e., transfers or payments, before 3:00 p.m. on a business day that we are open, as noted above, your transaction will be posted on that business day. However, transactions generated online after 3:00 p.m. or on a day that we are not open, as noted above, will be posted on the next business day that we are open. Business days begin at 9:00 a.m. Unauthorized Transfers Monitor your banking transactions closely. If your account shows withdrawals or transfers that you did not make, notify a HomePride Bank Customer Service Representative immediately. Representatives will be available to take your call from 8:30 a.m. to 4:30 p.m. Monday through Friday or 8:30 a.m. to noon on Saturday. If you do not notify us within 60 days after your statement has been made available to you, you may not recover any money lost after the 60 days if we can prove we could have stopped the loss if we had been notified on time. Please see the Account Disclosure for further information.

Stop Payment Orders

You cannot use the HomePride Online Service to place a stop payment on an ACH or Electronic Fund Transfer item. Please call our Customer Service Department for assistance with stop payments on ACH or Electronic Fund Transfer items. Subject to certain limitations, and applicable fees, you may use the HomePride Online Service to place a stop payment on a check payable from your Account, whether drawn or authorized by you or any other account holder. The following rules will apply to stop payment orders placed on a check payable from your account: A stop payment order placed through your online service against a check payable from your Account will be effective if we receive the order at such time and in such manner as to afford us a reasonable opportunity to act upon the order. A stop payment order placed through your online service against a check payable from your Account will be effective for a period of six (6) months if it is confirmed in writing by you. If we do not receive written confirmation from you within fourteen (14) calendar days after the date the stop payment was ordered by you, it will no longer remain on the system. A stop payment order placed through your online service against a check payable from your Account may be renewed for an additional six (6) month period if it is renewed during a period within which the stop payment order is effective. Applicable fees apply. All stop payment order requests will require you to provide the date, the amount, and the number of the item, together with the name of the payee. If you provide incorrect information, we will not be liable for failing to stop payment on the item or authorization. Our acceptance of a stop payment order will not constitute a representation that the item or authorization has not already been paid or that we have a reasonable opportunity to act upon the order. You may not stop payment on a cashier’s or other official check issued by us, or request us to stop payment if we have otherwise become accountable for the item or authorization. In addition, you may not stop payment on checks governed by a separate agreement, such as a check guaranty agreement. Further, you may not stop payment on an item or authorization after acceptance of the same by us.

Dormant Online Accounts

Your HomePride Online service will convert to a dormant status if you do not login for a consecutive period of 91 days. If your account reaches a dormant status, you must contact us to have the Service re-activated before you will be able to login. Your online account will be closed if it remains at a Dormant status for 91 days after the dormant status is applied. You will still retain access to your accounts through non electronic means. Electronic Mail If you send HomePride Bank an electronic mail message, we will consider it to have been received on the following business day. You should not rely on electronic mail if you need to communicate with the financial institution immediately, i.e., if you need to report an unauthorized transaction from one of your accounts or a lost or stolen password. You agree that HomePride Bank may respond to you by electronic mail with regard to any matter related to the Service, including responding to any claim of unauthorized electronic funds transfer that you make. Any such electronic mail sent to you by the financial institution will be considered received within three (3) days of the date sent by us, regardless of whether or not you sign on to the Service within that time frame.

Error Resolution

In case of errors or questions regarding an electronic transfer or online service, please call or write to us as soon as possible. We must hear from you no later than sixty (60) days after we made the statement with the error available to you. If the report is made orally, we may require that you send the complaint or question in writing within ten (10) business days. We will investigate and make a determination regarding your request within ten (10) business days after we hear from you and will correct any error promptly. However, if we need more time, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have 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 ten (10) business days, we may not credit your account. If a notice of error involves a transfer that occurred within thirty (30) calendar days after the first deposit to the account was made, the error involves a new account. For errors involving new accounts, we may take up to ninety (90) calendar days to investigate your complaint or question. In addition, for new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. We will notify you of the results within three (3) business days of 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. You agree that HomePride Bank may respond to you by electronic mail with regard to any claim of an unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by us will be considered received within three (3) days of the date sent regardless of whether or not you sign on to the Service within that time frame. If you call or write us, please be prepared to provide the following information: Your account number; A description of the error or the transfer in question; An explanation of why you believe it is an error or why you need more information; The dollar amount of the suspected error and date on which it occurred.

Statements

You will continue to receive an account statement either monthly or quarterly, depending on the type of account you have. You are responsible for promptly examining each statement and reporting any irregularities to us. The periodic statement will be considered correct for all purposes and we will not be liable for any payment made and charged to your account unless you notify us in writing within certain time limits after the statement is made available to you. We will not be liable for any check that is altered or any signature that is forged unless you notify us within thirty (30) calendar days after the statement was made available to you. Also, we will not be liable for any subsequent items paid, in good faith, containing an unauthorized signature or alteration by the same wrongdoer unless you notify us within ten (10) calendar days after the statement was made available. Except for transactions covered by the Electronic Funds Transfer Act, you must also report any other account problem within thirty (30) calendar days or lose your right to assert the problem against us. Please refer to your Account Disclosure for further details.

Liability

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will only be liable for the amount of any losses or damages incurred by you and resulting directly from such failure. However, there are some exceptions. We will not be liable for loss in the following if:

  • Through no fault of ours, you do not have enough money in your account to make the transfer
  • Circumstances beyond our control (such as fire, flood, power outage, equipment or technical failure or breakdown) prevents the transfer, despite reasonable precautions that we have taken
  • There is a hold on your account, or if access to your account is blocked, in accordance with banking policy
  • Your funds are subject to legal process or other encumbrance restricting the transfer
  • Your transfer authorization terminates by operation of law
  • You believe someone has accessed your accounts without your permission and you fail to notify us immediately
  • You have not properly followed the scheduling instructions on how to make a transfer included in this Agreement
  • We have received incomplete or inaccurate information from you or a third party involving the account or transfer
  • We have a reasonable basis for believing that unauthorized use of your login ID has occurred or may be occurring
  • You default under this Agreement, the deposit account agreement, a credit agreement or any other agreement with us
  • We or you terminate this Agreement

There may be other exceptions stated in this agreement and in other agreements or disclosures that govern your accounts. However, in no event will we be liable for damages in excess of your actual loss due to our failure to complete a transfer, and we will not be liable for any incidental or consequential damages. If any of the circumstances listed above should occur, we will assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incorrect transactions that have been processed. Please review your Account Disclosure for detailed information regarding our Electronic Funds Transfer and Error Resolution Policy.

Online Service Termination

You are responsible for complying with all the terms of this Agreement and with the terms of the agreement governing the accounts which you access using our electronic banking service. We reserve the right to terminate your electronic banking privileges under this Agreement for reasons including, but not limited to the following:

  • You abuse your access rights by sharing your login ID and/or password with others;
  • You engage in fraudulent activity using the electronic service
  • You do not pay applicable fees required by this Agreement
  • You do not comply with the agreement governing your deposit or loan accounts
  • Your deposit and loan accounts do not remain in good standing, i.e., past due loans or consistent overdrafts
  • You are a commercial customer and engage in Internet Gambling

We reserve the right to terminate this Agreement and your electronic banking privileges in whole or in part at any time without prior notice. You will be notified upon termination.

Access Account Termination

You and we agree that either of us may close the accounts which you access through the electronic banking service any time with or without cause. We will provide written notice to you in advance if we decide to terminate your account relationship for any reason other than abuse of the account relationship or to prevent a loss. You agree that advance written notice from us will be reasonable if it is mailed to your statement mailing address. You agree that in instances of account abuse or to prevent a loss, notice is reasonably given by us if mailed immediately upon account closure. You may close your account by notifying us in writing. For security purposes, we may require you to close your account and to open a new account if: there is a change in authorized signers; there has been a forgery or fraud reported or committed involving your account; your checks are stolen; your debit card is compromised in any manner; or any other provision of our agreement with you is violated. Please refer to your Account Disclosure for further details.

Fees and Charges

Subject to applicable law, you agree to pay us the fees and charges shown in the Product and Service Disclosure that are applicable to your accounts or for other services provided by us. You agree the fees and charges may be changed by us from time to time and authorize us to charge your account for their payment whether or not each charge results in an overdraft of your account. Existing and future account charges may be based upon the overall costs of providing account service and may or may not be based upon the direct cost or expense associated with providing the particular service involved. The charges may be based on consideration of profit, competitive position, deterrence of misuse of account privileges by customers, and the safety and soundness of the financial institution. We will notify you of the changes, to the extent required by law.

Unlawful Internet Gambling

If you are a commercial customer, you certify that you are not now engaged in, and during the life of this Agreement will not engage in, any activity or business that is unlawful under the Unlawful Internet Gambling Act of 2006 (the UIGEA). You may not use your Account or any other service we offer to receive any funds, transfer, credit, instrument, or proceeds that arise out of a business that is unlawful under the UIGEA. You agree that if anyone asks us to process a transaction that we believe is restricted under the UIGEA, we may block the transaction and take any other action we deem to be reasonable under the UIGEA and this agreement.

Governing Law

This Agreement will be governed by and construed in accordance with all applicable federal laws and all applicable substantive laws of the State of Missouri in which we are located and where you opened your account. In addition, we are subject to certain federal and state regulations and local clearing house rules governing the subject matter of the Agreement. You understand that we must comply with these laws, regulations, and rules. You agree that if there is any inconsistency between the terms of the Agreements and any applicable law, regulation, or rule, the terms of the Agreement will prevail to the extent any such law, regulation, or rule may be modified by the government.

Systems and Software

We will not be responsible to you for any loss or damages suffered by you as a result of the failure of systems and software used by you to interface with our systems or systems and software utilized by you to initiate or process banking transactions whether such transactions are initiated or processed directly with our systems or through a third-party service provider. You acknowledge that you are solely responsible for the adequacy of systems and software utilized by you to process banking transactions and the ability of such systems and software to do so safely and accurately.

Miscellaneous Provisions

If you or your account becomes involved in any legal proceedings, your use of the Account may be restricted. You agree not to use the Account in any illegal activity. We will be entitled to act upon any legal process served upon us which we reasonably believe to be binding, with no liability to you for doing so. If you ask us to follow instructions that we believe might expose us to any claim, liability, or damages, we may refuse to follow your instructions or may require a bond or other protection, including your agreement to indemnify us. You agree to be liable to us, to the extent permitted by law, for any loss, costs, or expenses that we may incur as a result of any dispute or legal proceeding involving your Account. You authorize us to deduct any such loss, costs, or expenses from your Account without prior notice to you or to bill you separately. This obligation includes disputes between you and us involving your account and situations where we become involved in disputes between you and an authorized signer, a joint owner, or a third party claiming an interest in your Account. It also includes situations where any action taken on your Account by you, an authorized signer, a joint owner, or a third party causes us to seek the advice of an attorney, whether or not we actually become involved in a dispute. Any action by us for reimbursement from you for any costs or expenses may also be made against your estate, heirs, and legal representatives, who will be liable for any claims made against and expenses incurred by us. If a court finds any provision of the Agreement to be invalid or unenforceable, such findings will not make the rest of the Agreement invalid or unenforceable. If feasible, any such offending provision will be deemed to be modified to be within the limits of enforceability or validity; however, if the offending provision cannot be so modified, it will be stricken and all other provisions of the Agreement in all other respects will remain valid and enforceable.

Mobile Agreement

HomePride Bank Mobile Banking Service Agreement and Disclosure

This Mobile Service Agreement and Disclosure (“Agreement”), (“Mobile Agreement”) describes your rights and obligations as a user of HomePride Bank’s mobile service. It also describes the rights and obligations of HomePride Bank (“Bank”), (“the Bank”). Please read this agreement carefully. By requesting and using this service, you agree to comply with the terms and conditions found in this Agreement. In addition, except as modified in this Mobile Agreement, you agree to be bound by and comply with all of the terms, conditions, and notices of your Online Banking Agreement and other agreements applicable to the accounts you access using HomePride Mobile (“Mobile Service”), (“the Service”). Your use of the Mobile Service is your acknowledgement that you have received these agreements and intend to be bound by them. Further details regarding bank policy, your accounts, and the rules and regulations that govern them may be found in the Account Disclosure that was provided to you when you opened your deposit account(s). Details regarding service charges and service fees may be found in the Account Agreement you signed when opening your account. You may request a replacement copy of the Account Agreement or the Account Disclosure from your local branch bank.

Services

HomePride Mobile is offered as a convenience and supplemental service to HomePride Online. It is not intended to replace access to banking online from your personal computer or other methods you may use for managing your accounts with the Bank. The Mobile Service is available through browser-based banking, a mobile banking app, and a text banking service. You acknowledge and agree that the Mobile Service may be provided by an independent third-party service provider (“Vendor”) as selected by Bank, and that both the Vendor and the Mobile Service are subject to change from time to time without notice to you. You further acknowledge, agree, and stipulate that the Vendor is an independent contractor providing software and data transmission services and is not the agent of you or the Bank. Neither the Bank nor the Vendor is responsible for the actions or omissions of the other. Mobile Service may not be accessible over some network carriers. In addition, the Mobile Service may not be supportable for all devices. The Bank cannot guarantee, and is not responsible for the availability of data services provided by your carrier. We may offer additional Mobile Services and features in the future. Any added Mobile Services and features will be governed by this Mobile Agreement and by any agreement(s) provided to you at the time the new service or feature is added or, if applicable, at the time of enrollment for the new feature or service. Access to and use of the Mobile Service is subject to all applicable federal, state, and local laws and regulations.

Mobile Access

The Mobile Service allows you to use your mobile device and your existing Online Banking ID and Password (“Credentials”) to access your account information. With the Service, you may view transaction history and account balances and receive account alerts. You may also transfer funds between accounts held at HomePride Bank and owned by you. Accounts eligible for transfers are checking, savings, and money market accounts. (Federal regulations require us to limit the number of certain types of transfers from savings and money market accounts. You are limited to six (6) preauthorized electronic transfers per calendar month. Each fund transfer through the Mobile Service from your savings or money market deposit account is counted as one of the six (6) transfers permitted. Payments made to your loan accounts from savings or checking are not included in the count. Fees may be assessed for transfers exceeding the limit. Please contact us for more information.) You may also transfer funds to make regular loan payments. In addition, the Mobile Service may be used to pay bills to payees established through the Online Service. Access to our text banking service allows you to make balance inquiries and view transaction history. You must maintain a current mobile phone number to receive your text messages. (Text messages are sent to you without being encrypted thus you assume all the risk associated with third party interception.) You may not transfer to or from accounts at other financial institutions or originate or receive wire transfers through the Mobile Service. You are fully obligated to us to provide sufficient funds for any payments or transfers you make or authorize to be made. If we complete a payment or transfer that you make or authorize and we subsequently learn that you have insufficient funds for the transaction, you agree that we may reverse the transaction or offset the shortage with funds from any other deposit account(s) you have with us to the extent permissible by the applicable law and the terms of any other relevant agreements. If there are insufficient funds in your Account to make a Transfer or Payment, we may refuse to make the Transfer or Payment or we may make the Transfer or Payment and overdraw your Account. In either event, you are responsible for any non-sufficient funds (“NSF”) charges that may apply. The Bank, as it may determine at any time, in its sole discretion, may deny account access, restrict account transactions, or place limits on the specific dollar amount of funds that may be transferred between in-house accounts.

Transaction Posting

For determining the posting of your transactions, every day is a business day except for Saturday, Sunday, Federal holidays, or occasions when we are unable to open the bank due to inclement weather or emergencies. If you generate a mobile transaction, i.e., transfers or payments, before 3:00 p.m. on a business day that we are open as noted above, your transaction will be posted on that business day. However, mobile transactions generated after 3:00 p.m. or on a day that we are not open as noted above, will be posted on the next business day that we are open. Business days begin at 9:00 a.m.

Bill Pay

If you are enrolled in our Online Bill Pay Service, you can use the Mobile Service to initiate one-time bill payments, which will be processed at the next standard processing time, unless the payment is established through the mobile app which allows a future date to be selected. A confirmation message and number will be displayed after the bill payment is complete. New payees must be set up through the Online Bill Pay Service. A new payee cannot be set up through the Mobile Service. The Bank reserves the right to decline to make payments to certain persons and entities. You agree that any payment for taxes, payments that are court-ordered, government payments and payments outside of the United States are prohibited and you agree that you will not attempt to use the Mobile Service to make these types of payments.

Alerts

If you set alerts on your account, you may view the alerts with the Mobile Service. New alerts must be set up through the use of the Online Service. You cannot set up alerts using the Mobile Service.

Enrollment

To use the Mobile Service, you must have an open account at the Bank, be enrolled in HomePride Online and have a compatible Mobile Device. During the enrollment process, you will have to indicate what account(s) you want to view with the Mobile Service and, if you want to receive text confirmations, enter your mobile phone number and wireless provider information. The text banking service requires you to provide a mobile phone number and provider information. After you accept the Terms and Conditions and click “Confirm”, you will receive a SMS Text Message to your Mobile Device acknowledging that you have enrolled in the text banking service and/or browser/app service, if you opted to do so. After you receive the SMS Text Message, you will be provided with further instructions on how to receive account balance and history information using the text banking service. You will have to have your Online Banking ID and Password to login to the Online or Mobile Service. You will continue to use your online Credentials each time you access the Mobile Service.

Dormant Activity

After 60 days of inactivity or non-use of the Mobile Service, you will be un-enrolled from the Service by the bank. You will retain access to your My HomePride Online account. To regain access to the Mobile Service, you will have to re-enroll in the Service.

Security Procedures

The use of your Online Banking Credentials with your Mobile Device is a security procedure established by the Bank to authenticate the identity of the person attempting to gain access to the Service. We may require you to change your Credentials from time to time for security reasons. You should keep your Credentials in a secure location. Any person having access to them will be able to access these Services and perform transactions, review account information, and use the Bill Pay Service. You agree to take every precaution to ensure the safety, security and integrity of your account and transactions when using the Mobile Service. You are responsible for safeguarding your Online ID, Password and Mobile Device. If you permit other persons to use your Online ID, Password, Device or any other means to access the Mobile Service, you will be held responsible for any transactions they authorize and we will not be liable for any damages or loss resulting to you. You agree to notify us immediately if you believe that your Credentials and/or Device has been stolen, compromised, or otherwise become known to persons other than you or your authorized representative(s) or if you believe that any transaction or activity is unauthorized or in error. In the event of any actual or threatened breach of security, we may issue you new Credentials or establish new security procedures as soon as reasonably practicable, but we shall not be liable to you or any third party for any delay in taking such actions. You agree that the initiation of a transaction using your Credentials constitutes sufficient authorization for Bank to execute such transaction notwithstanding any particular signature requirements identified on any signature card or other documents relating to your deposit account maintained with Bank, and you agree and intend that the submission of transactions and instructions using the Credentials will be considered the same as your written signature in authorizing us to execute such transaction. You agree to comply with the security procedures the Bank directs you to use, and you acknowledge and agree that including (without limitation) any code, password, personal identification number, user identification technology, token, certificate, or other element, means, or method of authentication or identification used in connection with the Online/Mobile Services constitute commercially reasonable security procedures under applicable law for the initiation of transfers and access to confidential customer information. You acknowledge and agree that you shall be bound by any and all transactions initiated through the use of your Credentials whether authorized or unauthorized, and by any and all transactions and activity otherwise initiated by you, to the fullest extent allowed by law. You further acknowledge and agree that the security procedures are not designed to detect error in the transmission or content of communications or transaction initiated by you and that you bear the sole responsibility for detecting and preventing such error. We reserve the right to modify, amend, supplement, or cancel any or all security procedures at any time and, from time to time, in our discretion. We will endeavor to give you reasonable notice of any change; we may make changes without advance notice to you if we, in our judgment and discretion, believe such changes to be necessary to protect the security of our systems and assets. Your implementation and use of security procedures after any change will constitute your agreement to the change and your agreement that the applicable security procedures, as changed, are commercially reasonable and adequate for the purposes intended.

Physical and Electronic Security

The Mobile Banking Service is similar to Online banking on a personal computer, there are security risks associated with the use of the Service. We will use commercially reasonable efforts to secure the Service to prevent access by unauthorized persons and to prevent the introduction of any malicious code. We will provide you with notice if your information is the subject of a security breach as required by applicable law. You acknowledge and agree that it is your responsibility to protect yourself and to be vigilant against e-mail and/or text messaging fraud and other internet frauds and schemes. The Bank will never contact you by e-mail or text message in order to ask for or to verify account numbers, Credentials, or any sensitive or confidential information, and will never provide links to websites in e-mails or text messages that the Bank transmits to you. To the extent allowed by law, you agree that the Bank is not responsible for any losses, injuries, or harm incurred by you as a result of any electronic, e-mail, text message or internet fraud.

Availability of Service

We will use reasonable efforts to make the Service available for your use on a continuous basis. The Service may be unavailable for short periods of time for regular or emergency system maintenance. We will endeavor to have our scheduled maintenance occur during non-peak hours. In addition, accessibility to the Service may be interrupted because of conditions beyond our control, including outages in Internet, cellular or other communications availability. We will use diligent efforts to re-establish the Services as promptly as possible. We do not promise the Service will always be available for your use. We may elect to discontinue this Service at any time. If we choose to discontinue the Service, we will provide you with reasonable notice in advance of that fact. We reserve the right at all times to take actions to protect our systems and information, including denial of access to users of the Service. If you have questions about the Service or your electronic transactions, Account Representatives will be available to assist at branch locations from the hours of 8:30 a.m. to 4:30 p.m. Monday through Friday or 8:30 to noon on Saturdays, excluding holidays. Branch locations and phone numbers are available on www.homepridebank.com.

Fees

There is no fee or charge assessed by us for you to register for or access the Mobile Banking Service. However, we may assess fees or charges in the future; you will receive notice of such fees or charges, as required by law. You may incur charges or fees from your wireless carrier to receive Internet service on your Mobile Device. You may also incur charges or fees from your wireless carrier when sending and receiving text messages. You are responsible to your wireless carrier for any such charges or fees. Please consult your wireless plan or provider for details.

Privacy

The Bank is committed to protecting your privacy. All information gathered from you in connection with using the Mobile Banking Service will be governed by the provisions of the Bank’s Privacy Policy.

Force Majeure

The Bank shall not be responsible for any liability, loss, or damage resulting from Bank's failure to perform any Service or to perform any other obligations under this Agreement which is caused by an act of God, fire, floods, adverse weather or atmospheric conditions or other catastrophes; war, sabotage, riots, acts of public enemy, or acts of governmental authority or the Board of Governors of the Federal Reserve; labor difficulties; equipment or computer failure or destruction or the unavailability, interruption, or malfunction of communications facilities or utilities; delays or failure to act by you or third parties and their personnel; criminal acts; or generally any cause reasonably beyond the Bank's control.

Indemnification

In addition to the indemnification and liability provisions contained elsewhere in this Agreement, the following provisions apply: You agree to indemnify, defend, and hold Bank and our affiliates, officers, directors, employees, consultants, agents, Mobile Banking Service providers, and licensors harmless from any and all third party claims, liability, damages and/or costs (including, but not limited to, reasonable attorneys' fees) arising from damages that result from misuse or loss of your mobile device or misuse of the Mobile Service. You will be liable for, hold harmless, and will indemnify Bank, and its employees and agents from and against all claims of any sort by third parties or others arising out of this Agreement, including all losses and expenses incurred by Bank arising out of your failure to report required changes, transmission of incorrect data to Bank, or failure to maintain compliance with all laws, regulations and rules. Except for those losses caused directly by Bank’s failure to exercise ordinary care or to act in good faith, you agree to indemnify and hold Bank, its officers, directors, shareholders, agents, employees, and affiliates, and their respective officers, directors, agents and employees, harmless from and against any and all losses, costs, suits, damages, claims, liabilities and expenses (including reasonable attorneys’ fees) arising from or related in any way to (i) any services performed in connection with this Agreement; (ii) Bank’s action or inaction in accordance with or reliance upon any instructions or information received from any person reasonably believed by Bank to be an authorized representative of you or Authorized User; and (iii) your breach of any agreements, disclosures, responsibilities, representations or warranties under this Agreement, and/or your breach of applicable laws, rules or regulations.

Program Revisions

We may, from time to time, revise or update, or perform maintenance upon our program, the Services, and/or related material, resulting in interrupted service or errors in the Services or rendering prior versions obsolete. We also may need to change the scope of our Services from time to time. We will attempt to provide prior notice of such interruptions and changes but cannot guarantee that such notice will be provided. We reserve the right to terminate this Agreement as to all prior versions of our programs, the Services, and/or related material and limit access to our more recent versions and updates. Use of the Service after the effective date of any such revisions, updates, and/or changes will constitute your consent to the same.

Termination

This Agreement will be in effect from the date your registration is submitted by you and accepted by Bank and at all times while you are using the Mobile Banking Service. Either you or Bank may terminate this Agreement and your use of the Service or any product within the Service at any time with or without notice. All applicable provisions of this Agreement shall survive termination by either you or Bank.

 

eStatement Disclosure

HomePride Bank Electronic Banking Account Statement Disclosure and Agreement

This Electronic Banking Account Statement Disclosure and Agreement, “Agreement”, is made between you and HomePride Bank and provides your request and consent to receive statements, notices, and documents for your HomePride Bank account(s) by electronic delivery. These statements, notices and documents are called “eStatements”. This agreement is in addition to the terms and conditions described in the HomePride Bank Online Banking Service Agreement and Electronic Fund Transfer Act Disclosure and corresponding Fee Schedule.

Definitions

The following definitions apply in this Agreement:

“We”, “us”, “our”, and “Bank” refer to HomePride Bank.
“You” and “your” refer to each account owner or authorized signer.
“Account(s)” refers to your account(s) at HomePride Bank.

Agreement

By agreeing to this disclosure, you agree that we may provide you with your periodic banking account statements including, but not limited, to any future disclosures, amendments, privacy policies, letters, correspondences, and any other notices that may be legally required to be provided to you, in electronic form. Once enrolled in the eStatements Service, you will receive your next statements in electronic format only. By agreeing, you also understand that in order to complete your enrollment in eStatements you must demonstrate your ability to view and retain PDF documents. You will be prompted to open and enter a secret pass phrase from a PDF image before your enrollment can be confirmed.

Eligibility for eStatments

To sign up for the eStatement Service, you must be enrolled in the HomePride Bank Online Banking Service. All accounts for which the bank produces a periodic statement are eligible for eStatements. eStatements for each account will only be provided to the online banking user who enrolls first in the service. Other users will not be able to enroll in the service unless the first user terminates his/her enrollment from the service.

Additional Recipients

Additional recipients of eStatements are not allowed in the eStatement product.

Accessing Your eStatements

You will receive an email notification when your eStatements are ready for viewing. Your eStatements are accessible through the bank’s online banking service under the eStatements tab. You will be responsible to maintain computer software compatible to the requirements for viewing, printing, and/or saving your statements. These requirements include, but may not be limited to, Internet accessibility and a current version of a PDF reader.

Your statements will be available online for 18 months. You may request a paper copy by contacting the bank, a fee may apply. To request a copy of a statement, contact or visit one of our branch locations. Branch locations and contact information are available under the locations option on the bank’s website, www.homepridebank.com.

Your eStatements will be provided in a timely manner and in accordance with any applicable time required by law. However, we shall incur no liability if we are unable to deliver your eStatements because of the existence of any one or more of the following circumstances:

The Bank’s website or the online banking service is not working properly and you know or have been advised by us of the malfunction; or

The Bank no longer has a valid email for you and your notification is returned to us; or

Circumstances beyond our control (such as, but not limited to, fire, flood, power outage, equipment or technical failure or breakdown) prevent delivery and we have taken reasonable precautions to prevent such circumstances.

Review of Periodic Statements

You must promptly access and review your eStatement and any accompanying items and notify us in writing immediately of any error, unauthorized transaction, or any other irregularity. Any applicable time periods within which you must notify us of any errors on your account statement(s) shall begin on the date of your eStatement notification regardless of when you access and/or review your eStatement. If you do not immediately report to the bank any non-receipt of eStatements or any error, unauthorized transaction, or other irregularity, you will be deemed conclusively to have accepted all matters contained in the eStatements to be true, accurate and correct in all respects.

Error Resolution

In the case of errors or questions regarding electronic transactions, please contact us as soon as possible by calling 855-446-2265 or writing us at HomePride Bank, P O Box 138, Mansfield, MO 65704. We must hear from you no later than sixty (60) days after we made your statement on which the error or problem appeared available to you. Please provide the following information:

  • Your account number
  • A description of the error in question and an explanation concerning why you believe it is an error or why you need more information
  • The dollar amount of the suspected error and the date on which it occurred
  • If the report is made orally, we may require that you send the complaint or question in writing within ten (10) business days

We will investigate and make a determination regarding your request within ten (10) business days after we hear from you and will correct any error promptly. However, if we need more time, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have 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 ten (10) business days, we may not credit your account.

If a notice of error involves a transaction that occurred within thirty (30) calendar days after the first deposit to the account was made, the error involves a new account. For errors involving new accounts, we may take up to ninety (90) calendar days to investigate your complaint or question. In addition, for new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error.

We will notify you of the results within three (3) business days of 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.

Email Address Maintenance

You are responsible to maintain a valid email address to ensure proper delivery of eStatement notifications. You can update your email address by going to the eStatements tab in online banking, clicking on Email Settings, and making the changes to your information.

Security

You will be assigned a login ID and password to access your online banking. You will be required to change this password every sixty (60) days. The safekeeping of your login ID and password is your responsibility. You agree to not allow anyone to have access to your login information and if your login information is lost, stolen, or compromised, you will notify the bank as soon as possible. Representatives will be available to take your call from 8:30 a.m. to 4:30 p.m., Monday through Friday, and 8:30 a.m. to noon on Saturday, excluding bank observed federal holidays.

Right to Withdraw Consent

If you decide to terminate your eStatement service, you can do so by going to the eStatements tab in online banking, selecting the “Sign up/Changes”, and removing the checkmark from the All-Accounts box or remove individual checkmarks from individual accounts. This process will stop the eStatement notifications and you will receive paper statements beginning the next statement cycle.

If you receive eStatements as part of a specific banking product that offers special features, and you must maintain the receipt of eStatements to receive those features, you will not be able to terminate your enrollment in the eStatement Service voluntarily through your online banking account.

Changes and Governing Law

HomePride Bank may modify the terms and conditions applicable to the eStatements Service from time to time by making the new terms and conditions available through our online banking site. The revised terms and conditions will be effective at the earliest date allowed by applicable law. The Bank will use reasonable methods of notification to make you aware of any changes.

This Agreement will be governed by and construed in accordance with all applicable federal laws and all applicable substantive laws of the state of Missouri in which we are located and where you opened your account. In addition, we are subject to certain federal and state regulations and local clearing house rules governing the subject matter of the Agreement. You understand that we must comply with these laws, regulations, and rules. You agree that if there is any inconsistency between the terms of this Agreement and any applicable law, regulation, or rule, the terms of the Agreement will prevail to the extent any such law, regulation, or rule may be modified by the government.

Online and Mobile Banking Privacy Policy

Information We Collect

When you use HomePride Bank's online and mobile banking services, we may collect the following types of information:

  • Contact Information: Name, address, phone number, email address and other contact details you provide through online forms, messages or uploaded documents.
  • Financial Information: Bank account numbers, balances, and transaction history.
  • Device Information: IP address, device identifiers, screen resolution, operating system, browser type, mobile network information.
  • Usage Data: Your interactions with our website and mobile apps, including pages accessed, time spent, actions taken.
  • Location Information: Real-time geographic location of your device gathered from GPS, wireless networks or cell tower locations, if enabled on your device.
  • Cookies: Small data files stored on your device to track site usage and preferences.

How We Use Your Information

HomePride Bank uses the information collected online and through mobile apps to:

  • Operate, maintain and improve our digital banking services
  • Process your transactions and maintain your accounts
  • Respond to your customer service requests and communicate with you
  • Personalize your experience and recommend relevant products or services
  • Detect and prevent fraud and enhance security of your information
  • Comply with legal obligations and regulatory requirements

Information Sharing

We may share your personal information collected online or through mobile apps with:

  • HomePride Bank affiliates and subsidiaries
  • Service providers and vendors that assist us in operating digital banking services
  • Government agencies and law enforcement to comply with legal requirements or court orders
  • Credit bureaus and reporting agencies
  • Other third parties with your consent or as permitted by law

We do not share your personal information with non-affiliated third parties for their own marketing purposes.

Your Choices

You may update your contact information or communication preferences by logging into online/mobile banking and accessing your profile settings. You can enable or disable access to device features like location services through your device settings.

Security

HomePride Bank uses reasonable physical, electronic and procedural safeguards to protect your information. We use encryption and secure transmission protocols for data in transit and at rest. You are responsible for keeping your online/mobile banking login credentials confidential.

Updates to Policy

This Online and Mobile Banking Privacy Policy is subject to change. We will notify you of any material changes by posting the revised policy within our digital banking platforms. Your continued use of the services affirms your acceptance of the updated terms.

By using HomePride Bank's online and mobile banking services, you acknowledge and agree to the practices described in this policy. If you have any questions or concerns, please contact us at HomePride Bank,  P.O. Box 138, Mansfield, MO 65704 or 855-447-2265 or customerservice@homepridebank.com.