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Online Banking Agreement

Welcome to Denmark State Bank's Online Banking service. Save time and enjoy the convenience of banking anytime, anywhere!

With Online Banking you can access your Denmark State Bank accounts, view balances, transfer funds, review your activity, make loan payments, view check images, sign up for Mobile Banking and Bill Payment and much more!

You must first sign up for Online Banking before you enroll in Bill Payment. If you are already an Online Banking client, simply log in to Online Banking and click on the "Bill Payment" button. Complete and submit an online application to begin paying bills immediately

You must first sign up for Online Banking before you enroll in Mobile Banking. 


Important Information to Read Before You Sign Up for Online Banking! 

Please click on the "I Agree" button at the bottom of this agreement to continue.

Internet Banking Agreement and Disclosures-Effective 8/8/13

Coverage. This Agreement applies to your use of our Internet Banking Service, including Mobile Banking ("Internet Service"), which permits you to access your accounts with us via the Internet or mobile device for services selected by you and agreed upon by us. This Agreement applies to all persons that are parties to the accounts. In this Agreement, the terms "you" and "your" refer to each depositor on an account accessible by Internet Service, and the terms "us," "we," and "our" refer to the Bank.

Enrollment/Application Forms. To establish Internet Service you will complete certain enrollment forms or other documents evidencing your desire to access your accounts using the Internet Service. When you select the “I Agree” button and when you use, or permit any other person(s) to use, Internet Services, you agree to the terms and conditions of this Agreement. Additional information relating to Internet Service is included in the Help menu or instructions provided to you and incorporated into this Agreement.

Internet Account Owner Information. You may request access to any account that you are a signer or owner. If you desire services that allow you to initiate payments or transfers from the account, you will need the required withdrawal authority over the account to be able to complete the transaction. By using the service, you agree to maintain one or more accounts with us and to keep sufficient balances in any account to cover any transaction and fees that are ultimately approved by or related to the system. If the accounts added to the service are jointly held or have multiple signers, you agree that access to the information and all transactions initiated by the use of your Access Code and Passcode are authorized unless we have been notified to cancel the service.

Your Responsibility. You are responsible for selecting all systems, hardware and your Internet Service provider and for any defect, malfunction or interruption in service or security due to hardware failure, your choice of Internet Service provider and systems and computer services.

Access Codes. We will either issue to you, or you will be required to select one or more personal identification numbers, passwords, or other access codes ("PIN") to access services using Internet Service. For security purposes, you are required to change your PIN after the initial login. You determine what PIN you will use and the identity of your PIN is not communicated to us. You agree that we are authorized to act on instructions received under your PIN. The PIN has the same effect as your signature authorizing transactions. You agree to safely keep the PIN, not to record the PIN or otherwise disclose or make the PIN available to anyone other than authorized users of your accounts. Anyone to whom you disclose your PIN and anyone who has access to your PIN will have full access to your accounts, including the ability to view your transactions, check images and move funds out of your account. You have no ability to limit any such person's authority. If anyone uses your PIN with your permission, you will be responsible for any transactions performed by that person. After three (3) unsuccessful attempts at authorization to use the system, you must contact us to have your PIN reset or to obtain a new temporary PIN. You agree to assume responsibility for all transactions up to the limits allowed by applicable law.  You will be responsible for all usage and any fees associated with the use of other services accessed through Internet Service.

Internet Security.  The Bank will NEVER contact you to ask for your Access ID or Password.  If you are approached by anyone to provide your Access ID and Password, DO NOT PROVIDE THIS INFORMATION.  Contact the Bank immediately, as you could be the victim of attempted fraud or identity theft.  You can contact us by calling 920-863-2161.

At Denmark State Bank, we understand the importance of the responsibility that our customers have entrusted to us.  Denmark State Bank is proud of the sophisticated level of data security and privacy supplied to its Internet Service clients and our accountholders.  Data security is provided on multiple levels: by firewall, network monitoring, application level security and company policy.

Layered Authentication. This security feature is designed to protect the privacy and security of your personal information.  The display of the authentication image and pass phrase verifies you are at our Web Site, not a fraudulent look-alike site.  The challenge questions/answers are used to identify you and prevent unauthorized access to your information. Registering the computer(s) you normally use to access your information provides additional security to verify your identity.

The image or picture is defaulted and cannot be changed during the establishment of Layered Authentication.  Once you have completed the authentication process, you may select another image from the Security Data on the Internet Service Options button.

  • The e-mail address appears as stored in Internet Service.  If this area is blank, enter your valid contact e-mail address and confirm it.  If the e-mail address displayed is invalid, it can be corrected after completing the Layered enrollment and you have access to your accounts.  To correct your e-mail address, select “Change E-mail Address” from the Options button and complete the required information.
  • Enter an Authentication Pass Phrase you will recognize during future logins, up to 100 characters.
  • Select each Challenge Question and provide your answer, up to 83 characters.  The Challenge Questions may be used to authenticate the user when accessing Internet Banking from a non-registered computer.
  • Select an option to register the computer you are currently using.  The first option, "This is a Personal Computer.  Register it.", is selected for the computer used most often to access your accounts via Internet Banking. You may register more than one computer.  The second option, "This is a Public Computer. Do Not Register it.", is selected when you are accessing your accounts from a computer used for a one-time access, such as from an Internet café or library.

Firewall.  A firewall serves as a security gate between the Internet and our network that inspects data passing through it, and denies or permits passage based on a set of rules.  By intercepting the data first, the firewall ensures that only data permitted by our rule set may be passed beyond the public Internet to our secure web commerce server, and ultimately to the Internet Banking application.

Contact in Event of Unauthorized Transfer. If you believe your PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (920) 863-2161 or write Denmark State Bank, 103 E. Main St., P.O. Box 130, Denmark, WI, 54208.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days of the date we mail a periodic statement to you, you may not get any money you lost after the 60 days if we show that we could have stopped someone from taking the money if you would have told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Business Days. The Internet Services are available 24 hours a day, seven days a week, except during special maintenance periods, which generally are scheduled between 11:00 pm CST Sunday night and 4:00 am CST Monday morning. For purposes of transactions, Denmark State Bank’s business days are Monday through Friday, except Federal holidays. All Internet Service transaction requests received after 6:00 pm CST on business days, and all transactions which are requested on Saturdays, Sundays or holidays on which Denmark State Bank chooses to remain closed, will be processed on the next Denmark State Bank business day. Denmark State Bank’s business day begins at 8:00 am CST. If you schedule a recurring funds transfer and the payment date does not exist in a month, the payment will be processed on the next business day.  

Functions. Using your PIN and the Internet Service you can:

  • Transfers Funds. You may use Internet Service to perform unlimited funds transfers from your Denmark State Bank checking accounts or savings accounts to other Denmark State Bank checking accounts or savings accounts. You may also transfer from your Denmark State Bank checking or savings account to make loan payments. You may also transfer from your Denmark State Bank lines of credit to your Denmark State Bank checking accounts or savings accounts. Note: This Agreement imposes no restrictions on the number of transactions from Denmark State Bank accounts or the amounts which may be transferred, but certain limits and restrictions on the frequency of transfers may be applicable with respect to the particular types of accounts subject to this Agreement, particularly Statement Savings and Money Market Deposit Accounts . Please refer to the disclosure documents you received at the time these accounts were established for more detailed information on limitations and restrictions applicable hereto.
  • Inquire. You may use Internet Service to check the current balance and other account information on deposit accounts and loan accounts.
  • Contact Us. You may communicate with Denmark State Bank by using your personal computer to send and receive written messages electronically. Please refer to the "Contact Us" option to send us your comments, questions or concerns.


Overdrafts. When you schedule a funds transfer using the Internet Service, you authorize us to withdraw the necessary funds from your account with us. We deduct the amount of your funds transfer from your account on the date we process your instruction. Each instruction to us to withdraw or transfer from an account is an order to us to pay from that account at that time or on a later date, if any, indicated in the instruction. We may charge payments against the account even though the charge creates an overdraft, or we may refuse to make payments if the charge creates an overdraft. If you overdraw your account, you agree to immediately pay us the overdrawn amount, together with any applicable fees. If the account is maintained in connection with an overdraft credit plan, Checking Line of Credit or Deficit Transfer, any overdraft will be made in accordance with the agreement or rules governing that account rather than this Agreement.

Limitations on Transfers. You may use Internet Service to check the balance of your accounts and to transfer funds among your accounts. You must have available funds or available credit in any account from which you instruct us to make a payment or transfer.   According to Federal regulations, you may not make more than six (6) pre-authorized transfers or Bill Payments from a Savings or Money Market Account during a given monthly statement period.

There are no limits to the number of transfers or bill payments from your Checking Accounts. Denmark State Bank currently limits the bill-payment service to Checking Accounts. Balances shown in your 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 our Bookkeeping Department.

The balances are updated each business day and the system will display the most current "as of" date on the "accounts" summary page. There may be situations that cause a delay in an update of your balances. The system will use the most current balance available at the time of a transaction to base our approval.

You also agree to the Terms & Conditions of Your Deposit Account that you received when you opened your deposit account and any subsequent amendments to that agreement.

Your Liability and Indemnity.  You warrant that you will perform your obligations under this Agreement consistent with all applicable Bank rules and regulations and that all information that you provide us is accurate, timely, and has been authorized by you, and in the event that you breach any of the forgoing warranties, you agree to indemnify the Bank against any loss, liability, or expense.  You agree to indemnify and hold the Bank harmless for any and all acts of any employees or persons who you grant access to or who gain access your Internet Banking account.  You consent, by execution of this Agreement, to disclosure of your customer information to those that gain access to your accounts. Use of these Services is at your own risk.  You are responsible for the installation, maintenance, and operation of your computer and browser software, anti-virus software and personal computer firewall.  The risk of error, failure, or nonperformance is your risk and includes the risk that you do not operate the computer software properly.  We make no warranty to you regarding the computer software, including any warranty of merchantability or fitness for a particular purpose. We are not responsible for any errors or failures from any malfunction of your computer or the software. We are not responsible for any electronic virus or viruses that you may encounter.  We are not responsible for any computer virus or related problems that may be associated with the use of the Services.  We have no liability to you for any damage or any other loss directly or consequential, which you may suffer or incur by reason of your use of the computer or software.  We encourage our customers to routinely scan their PC , and any removable drives and diskettes using a reliable anti-virus product to detect or remove any viruses.  Undetected or un-repaired viruses may destroy your programs, files and even your hardware.  Additionally you may unintentionally transmit the virus to other computers.  We also encourage our customers to purchase and employ a reliable firewall on your computer that will protect your computer from intrusion while you are connected to the Internet.  You are solely responsible for the proper installation, configuration, and maintenance of any intrusion detection system you may employ.

Tell us at once if you believe your PIN has been lost, stolen or otherwise become available to an unauthorized person. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your accounts (plus your maximum overdraft line of credit). If you tell us within two business days, you can lose no more than $50 if someone used your PIN without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your PIN, and we can prove that we could have stopped someone from using your PIN without your permission, you could lose as much as $500.

Periodic Statements. Your Internet Service account activity will appear on your periodic account statement. If there are no transfers in a particular month, you will receive statements at least quarterly.

Our Liability For Failure to Make Transfers.  If we do not complete a transfer to or from your Account on time or in the correct amount according to the EFT Rules when you have properly instructed us to do so, we will be liable to you for damages which you prove are directly caused by our action. However, there are some exceptions to our liability. We will not be liable, for instance:

  • if, through no fault of ours, your Account does not contain enough money to make the transfer.
  • if the transfer would go over the credit limit on your overdraft line.
  • if the automated teller machine where you are making the transfer does not have enough cash.
  • if any electronic terminal, telecommunication device, or any part of the electronic fund transfer system is not working properly and you knew about the problem when you started the transfer.
  • if circumstances beyond our control (such as fire, flood, interruption in telephone service or other communication lines) prevent the transfer despite reasonable precautions that we have taken.
  • if the money in your account is subject to legal process or other encumbrances restricting the transfer.
  • if incomplete or inaccurate information is forwarded by the U.S. Treasury or through an automated clearing house.
  • other exceptions as stated in this agreement.

Account Information Disclosure. We will disclose information to third parties about your account or the transfers you make, as permitted by law, including, without limitation: where it is necessary for completing or tracing transfers or resolving errors or claims; in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant or other financial institution; in order to comply with court orders or other legal process; to comply with subpoenas, summonses, search warrants or requests from government agencies; to other companies affiliated with us; to others with your consent; and whenever required by law; and to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.  You understand that support and services relating to Internet Service are provided by third parties other than us, and you authorize us to contract with third parties to provide such support and service.

You agree that our officers, directors, employees, agents or contractors are not liable for any direct, indirect, incidental, special or consequential damages under or by reason of any service or products provided under this Agreement or by reason of your use of or access to the system, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty. Further, in no event shall the liability of Bank or its affiliates exceed the amounts paid by you for the services provided to you through the system.

You agree that we may deliver our privacy notices and opt-out notices to you by making them available on our web site.

Stop Payments of Preauthorized Funds Transfers (EFT)

  • You must notify us orally or in writing up to three business days before the scheduled date of the transfer.
  • We require written confirmation of an oral stop payment within 14 days of your oral confirmation.  If you fail to provide a written confirmation the oral stop payment will cease to be binding after 14 days.


Electronic Mail. If you send Denmark State Bank an electronic mail message, Denmark State Bank will be deemed to have received it on the following business day. Denmark State Bank will have a reasonable time to act on your e-mail.

You should not rely on electronic mail if you need to communicate with Denmark State Bank immediately (e.g., if you need to report an unauthorized transaction from one of your accounts, or if you need to stop a payment that is scheduled to occur).

You agree that Denmark State Bank may respond to you by electronic mail with regard to any matter related to the Internet Service, including responding to any claim of unauthorized electronic funds transfer that you make. Any such electronic mail sent to you by Denmark State Bank shall be considered received within three (3) days of the date sent by Denmark State Bank, regardless of whether or not you sign on to the Internet Service within that time frame.  Denmark State Bank will never send you an e-mail to ask for confidential information about your account.  

You must notify us about any change in your e-mail address.  You may do so by phoning us at 920-863-2161 or you can change your e-mail address through the Internet Service by clicking on "Options" on your Internet Service menu.

Termination. We may cancel your Internet Service at any time in whole or part without prior notice due to insufficient funds in one of your accounts or other circumstances that may create an unanticipated liability to us. You will remain responsible for all transactions approved by the system prior to the cancellation, and for any other fees associated with the service.  We may withhold approval of any transaction, at any time, without prior notice to you. In the event we terminate Internet Service, we will try to notify you in advance but are not required to do so. You will be notified as soon as possible. 

Any one person who can use the account accessible with Internet Service may terminate Internet Service. Termination shall not affect the rights and obligations of the parties for transactions made with the Internet Service before we have had a reasonable time to respond to your termination request.

You may cancel your Internet Service by calling us at 920-863-2161 or writing Denmark State Bank, 103 E. Main St., P.O. Box 130, Denmark, WI, 54208 or by sending a message through Internet Service. If you call or e-mail, we may also require you to put your request in writing. Since service cancellation requests can take up to 10 days to process, you should cancel all transfer orders in addition to notifying us of your desire to terminate the service. We will not be liable for transfers not cancelled or transfers made due to the lack of proper notification by you of service termination or discontinuance for any reason. If you fail to stop Scheduled Transfers before your Internet Service has been terminated, transfers will continue to process until you request to have them stopped.

We may close your Internet Service account if you do not sign on to the Internet Service during any consecutive 365 day period. If your account is closed, you must re-enroll before you will be able to schedule any transaction through the Internet Service.

Amendment. Denmark State Bank may modify the terms and conditions applicable to the Internet Service from time to time upon mailing a notice of the modifications to you at the address shown on our account records or e-mail address we currently possess in our file or they may be displayed to you upon log in to the Internet Service. Amendments will be effective upon the date indicated in the notice. We reserve the right to terminate this Agreement and your use of the Internet Services in whole or in part at any time without prior notice. We may amend this Agreement at any time.

Fees. We will not charge any fee for using Internet Banking. You will be charged the regular transaction fees that may be in effect for your Denmark State Bank accounts. These fees may be amended by us from time to time.  You may be charged for services such as Stop Payments or Bill Payment, which are accessed through Internet Banking.

eStatement. If you enrolled in eStatements also known as online statements, you authorize us to deliver the requested statement(s) via electronic mail. You also acknowledge that we will not deliver the requested statement(s) via traditional mail. We will consider the statement delivered if no return e-mail is received. If, however, a return notice is received by the bank, a statement will be sent via traditional mail. You understand that it is your responsibility to notify us if your e-mail address changes. We will notify you by e-mail when your electronic statement is available for viewing. We also reserve the right to begin sending hard copies of your statement in the mail. Even though e-mail statement files are encrypted you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others. We cannot and will not warrant that all data transfers utilizing e-mail statements, or mail transmitted to and from us, will not be monitored or read by others. This agreement may be terminated by contacting Denmark State Bank in writing at: P.O. Box 130, Denmark, WI 54208-0130 or calling us at 920-863-2161. Statements will be available for a period of at least 24 months via our Internet Banking System. After the 24 month period, you will need to contact us and request a copy of your statement. You understand that your statements will include information concerning both your share of deposit and loan accounts with the bank and may include disclosures required under the Truth-In-Lending Act, the Electronic Funds Transfer Act, the Truth-In-Savings Act and/or similar disclosure laws. You agree to the receipt of these disclosures in electronic format as described herein.

Your consent, which will be given by clicking on the “I AGREE” button on the online agreement and selecting the eStatement option within the online application, is to authorize Denmark State Bank to forward to you electronically your periodic bank statements and other disclosures that the bank might send to you with your bank statement.

Note: You will receive the e-mail notification from Denmark State Bank Notification. Please remember to add to your list of allowed senders.

eAlerts. Internet Banking allows you to set up eAlerts. You are solely responsible for the setup and maintenance of your own eAlerts and may discontinue or edit your eAlerts as you see fit. Data usage and/or SMS (text) messaging carrier fees may apply.

You can choose to have eAlerts sent to any e-mail address or mobile devices that accepts SMS (text) messages. eAlerts may be delayed or prevented by a variety of factors. We neither guarantee the delivery nor the accuracy of the contents of any eAlerts.

We will not be liable for any delays, failure to deliver, or misdirected delivery of any eAlert; for any errors in the content of an eAlert; or for any actions taken or not taken by you or any third party in reliance on an alert. eAlerts are unencrypted. We will never include your password or full account number. However, eAlerts may include your name and some information about your accounts. Depending upon which eAlerts you select, information such as your account balance may be included. Anyone with access to your e-mail or mobile device will be able to view the contents of these eAlerts. Therefore, you are responsible for the security of your telecommunications equipment and must take all reasonable precautions to prevent any one else from accessing any confidential information.

Other General Terms.  This Agreement is intended to supplement and not to replace other agreements between you and us relating to your accounts, including, without limitation, our Deposit Account Rules, ACH Agreements and Wire Transfer Agreements.  In the event of a conflict between this Agreement and any other account rules and agreements that apply to your accounts or the functions performed using "Personal Online Banking", or any statements made by employees or agents this Agreement shall govern and prevail.

New services may be introduced for Internet Service from time to time. Denmark State Bank will notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the rules that will be made available to you concerning these services.

System Requirements.  In order for you to access and retain records in connection with Internet Banking and Bill Pay services, you must have a computer with access to the Internet that meets the system requirements.  Click here for a list of requirements.  The customer is responsible for the purchase, installation, maintenance, upgrades, security of the software, security of the hardware, and Access IDs and Passwords to the Internet Banking.  Customer agrees to use a reputable anti virus and anti-spyware software program on their computer and update such anti virus and anti-spy ware software on a regular basis.  The bank is not responsible for any errors or issues that arise from the malfunction or failure of either the hardware or software.

To print the Internet Banking Agreement and/or account information you must have access to a printer. 

Privacy Statement.  Denmark State Bank understands how important privacy is to our customers. We have taken steps to insure your security and privacy for your personal and financial dealings with the bank. Our customer privacy statement can be obtained at 

Customer Usage and Responsibilities. The customer warrants and covenants that he/she will use the Bank's Internet services for consumer, personal, or household purposes.  The customer acknowledges that changes in technology, software, Bank policies and procedures, or other developments may require modifications of (or new or additional) customer hardware which you will be solely responsible for upgrading, at your sole cost and expense, if you desire to make continued use of the Bank's Internet services.

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.

Disclaimer of Warranty.  Denmark State Bank makes no warranties or representations with respect to Internet services program, expressed or implied, including but not limited to implied warranties or fitness for a particular purpose.

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

Assignment.  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.

Additional Provisions. To help enhance your Internet Service security, we recommend that you follow some general safety guidelines:

  • Never walk away from your computer while logged on to this service.
  • Memorize your PIN.
  • Don’t share your PIN with anyone.
  • Choose a PIN that’s not easy to guess. For example, use a minimum of six characters with a combination of numeric and alpha characters, and do not use names of family members or pets alone or followed by a number. Words in a dictionary, derivatives of user Ids and common characters sequence such as “12345678” should not be employed. Likewise, PINs should not contain proper names, geographic locations, common acronyms, slang or personal details such as spouse’s name, license plate, social security number, and birthday. Choosing a PIN that contains at least one lower case and one upper alphabetic character and the use of non-alphabetic characters where feasible such as a numeral (0-9) or punctuation character is strongly recommended.
  • Never give your PIN to somebody else, even if they identify themselves as a Denmark State Bank employee. Under no circumstances do we need your PIN.

In Case of Errors or Questions about Your Electronic Transfers

Telephone us at 920-863-2161 or write us at Denmark State Bank, 103 E. Main St., P.O. Box 130, Denmark, WI, 54208 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared.

  1. Tell us your name and account number (if any).
  2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  3. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

The 10 day periods in the preceding paragraph may be extended to 20 business days, if the error involves a transfer to or from the account within 30 days after the first deposit to the account was made.

If the error involves an electronic transfer from your account to buy goods or services direct from a merchant, a transfer initiated outside of the United States or a transfer that occurred within 30 days after the first deposit to the account was made, the 45 day time period to investigate your complaint or question will be 90 days in place of 45 days.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Receiving Online Banking Disclosures. You agree to receive the Denmark State Bank Internet Banking Agreement and Disclosure electronically. If you are enrolling in an office, your customer service representative will provide you with a paper copy of the Denmark State Bank Internet Banking Agreement and Disclosure.

You also agree to receive all updates to the Denmark State Bank Internet Banking Agreement and Disclosure, notices and other communications regarding online banking services electronically. If you change your e-mail address, please sign on to Internet Service and update your e-mail so that we can alert you to any such updates. You can request free paper copies of any of these documents by calling 920-863-2161 or sending an e-mail to

Giving Your Consent

  • You have reviewed and agree to the terms and conditions of the Denmark State Bank Internet Banking Agreement and Disclosure.
  • You agree to receive all updates to the Denmark State Bank Internet Banking Agreement and Disclosure, all notices, disclosures and other communications regarding online banking and bill payment services electronically. Or if you are enrolling at a branch office, you acknowledge receipt of the Denmark State Bank Internet Banking and Disclosure.
  • You represent that the computer and Internet browser you intend to use meets our minimum requirements. You will need to use a browser with a minimum 800x600 screen resolution for optimal results. The Service may not produce desired results using other browser versions.
  • Your consent to this Service is valid for as long as you remain a subscriber to this Service.
  • You have the right to withdraw from this service at any time. To withdraw from this Service and its associated terms you must contact us at 920-863-2161.
  • You assume responsibility for keeping your contact information up to date. If you change any of this information, you must update it on this Service or contact us at 920-863-2161.
  • Notifications and other correspondence will be sent to your e-mail address on record. You assume responsibility for providing a valid e-mail address and retrieving messages from your e-mail account.
  • We will keep you informed of any hardware or software changes that may affect how we store or use your personal information. In addition, we will notify you, via e-mail, of any changes that affect our Privacy and Security Policies. You have the right to terminate this service at any time if you do not agree with any stated policies or procedures.



I Agree          I Do Not Agree