Terms & Conditions

Terms of Use


We require that all visitors to our Website adhere to the following terms and conditions. If you do not agree to the terms and conditions below, you should not access this Website, or any pages therein.  By accessing this Website you agree to the terms and conditions outlined below.  Use of this Website may be monitored. Based on your use of this Website, you consent to such monitoring. In circumstances where locations of the Website require identification for process, you will establish reasonable security procedures and controls to limit access to your password or other identifying information to authorized individuals.

Illegal Use

Unauthorized use of Flat Branch Bank and/or its affiliate bank’s Website and systems including but not limited to unauthorized entry into our Internet banking system, internal network, misuse of passwords, or misuse of any information posted on our website is strictly prohibited. This Website is not intended for children under 13 years of age. By using this Website, you affirm that you are over age 13.

Website Content

Any and all information, materials, product offerings, services, terms and conditions are subject to change without notice.

Not all products and services advertised on this Website are available in all geographic areas. We reserve the right to determine your eligibility for any product or service. The information on the Website is not intended as an offer or solicitation for the purchase of any bank product or service. Eligibility for particular products and services is subject to the final determination by the Flat Branch Bank and/or its affiliate banks.

This Website is not directed to children, although we may periodically advertise special accounts that may be appropriate for children. Parents of children interested in any of our online services should contact us at one of our many office locations.

Potential Disruption of Service

Access to the Website may from time to time be unavailable, delayed, limited, or slowed due to, among other things:

  • hardware failure, including among other things failures of computers (including your own computer), servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment; software failure, including among other things bugs, errors, viruses, configuration problems, incompatibility of systems, utilities, or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content;
  • overload of system capacities;
  • damage caused by severe weather, earthquakes, wars, insurrection, riots, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdown, or natural disasters;
  • interruption (whether partial or total) of power supplies or other utility of service;
  • strike or other stoppage (whether partial or total) of labor;
  • governmental or regulatory restrictions, exchange rulings, court or tribunal orders, or other human intervention; or
  • any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond the control of the Flat Branch Bank and/or its affiliate banks.

Linked 3rd Party Sites

Flat Branch Bank and/or its affiliate banks maintain this Website to provide you with information about our products and services.  For your convenience, we may also provide links to various third parties websites that may be of interest to you. Flat Branch Bank and/or its affiliate banks does not control linked third party sites. When you click on links to third party sites, you will leave our Website and will be redirected to another website.  Linking to other third party sites is at your own risk. The content on linked sites may change without notice.


We suggest that you always verify the information obtained from linked sites before acting upon this information. Flat Branch Bank and/or its affiliate banks is not an agent for linked third parties nor do we endorse or guarantee their products and services.  The products and services offered by linked third parties are not products of Flat Branch Bank and/or its affiliate banks  and are not insured by any governmental agency such as the FDIC.

Also, please be aware that the security and privacy policies on linked sites may be different from our policies, so please read third party privacy and security policies closely.  If you have any questions or concerns about the products and services offered on linked third party sites, please contact the third party directly.

Use of Information Submitted Through the Website

Any communication or material that you transmit to us through this Website or through electronic mail may be used only by Flat Branch Bank and/or its affiliate banks for the purposes described in our privacy policy.   All information submitted to our Website shall be considered and shall remain the property of Flat Branch Bank and/or its affiliate banks this information will only be used internally for the purpose intended or as allowed by law.

Flat Branch Bank and shall be free to use, for any purpose, any idea, concept, know-how or technique contained in information submitted by a visitor to us through this Website and Flat Branch Bank shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by direct customer relationship, or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing Flat Branch Bank responsibilities and obligations to customers in accordance with our privacy policy.

If you need to communicate personal or confidential information, please do not use the email feature on this Website, it is not a secure email service. Instead contact us by telephone, or you may use the secure mail feature within our Internet Banking Service.

No Warranties

Any dated information on this site is “As Of” its date only. We will use every reasonable effort to include accurate and up to date information on the site, but we make no warranties or representations as to the accuracy of the information, DATED OR OTHERWISE, AND WE EXPRESSLY DISCLAIM ANY AND ALL LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS.

All information, materials AND services contained in this site, including graphics, links, AND ANY other items are provided “AS IS”, “AS AVAILABLE” to the user without express or implied warranties of any kind including the warranties of merchantability, non-infringement of intellectual property, fitness for any particular purpose, and any warranty that it is free from computer viruses OR OTHER HARMFUL CODE.

Trademark Notices

All registered and unregistered trademarks are the sole property of their respective owners.  Unauthorized reproduction in whole or part is prohibited.

Copyright Notices

Flat Branch Bank and/or its affiliate banks owns copyright in the pages, screens, text, sound recordings, and images appearing at this site unless otherwise indicated.

Limitation of Liability

Flat Branch Bank will under no circumstances be liable to you and/or any third party for any loss or damages including without limitation lost profits, lost opportunity, or any direct or any indirect, special, consequential, incidental or punitive damages whatsoever, arising in connection with this Website or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, harmful code, line or system failure, even if CS Bancshares, Inc. and/or affiliate banks has been advised of the possibility of such damages occurring and regardless of the form of action, whether in contract, warranty, tort (including negligence), strict liability, or otherwise.

FURTHERMORE, Flat Branch Bank will not be liable for any difficulty in use, or for the incompatibility between this Website and YOUR WEB BROWSER OR OTHER site accessing program.  Nor will Flat Branch Bank be liable for any other problems you experience due to causes beyond our control.

No license to you is implied in these disclaimers, except as may be otherwise expressly provided by written agreement between you and Flat Branch Bank.

Governing Law

This agreement shall be governed by and construed in accordance with federal statutes and the laws of the state of Missouri.

This Website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

Additional Terms

Certain services or pages on this Website may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those services or pages.


You agree to defend, indemnify, and hold harmless Flat Branch Bank, and their respective directors, officers, employees, and agents, from and against all claims and expenses, including attorneys’ fees, arising out of your violation of these Terms of Use or misuse of this Website, including such violation or misuses conducted by your employee or agent, if applicable.


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