Online Banking Security

We are serious about safeguarding your personal information online. As a security measure, you may access your account information online from our website only after registering in-person at one of our branches.

Online access to your accounts is protected by 128-bit encryption. You may test your browser at the online page to determine its compatibility.

Children's Online Privacy Protection Act

Our website is not directed to children under the age of 13. We do not knowingly solicit data from persons under the age of 13 and we do not knowingly market to persons under the age of 13.

Cookies

There is a technology called "cookies" that can collect, store, and sometimes track information. A cookies is a small data file that can be placed on your hard drive when you visit certain websites. We may use cookies in this manner. If you wish, you may modify your browser to disable cookies, including session cookies.

Sending E-mail

E-mail sent to the Bank is NOT secure. Please do NOT send confidential information such as social security or account numbers to us via an unsecured e-mail. Such communications should be sent to us via postal mail or you may call 866-770-3100 or visit one of our branches.

Submitting Forms Online

Online applications are submitted in a secure encrypted format.

Links to Third Party Websites

Links to non-Town and Country Financial Corp. and its affiliates’ websites may be found on our site. These third party websites have their own security and privacy policies and may provide less security than our website. Town and Country Financial Corp. and its affiliates do not endorse or guarantee the products, information or recommendations provided by the linked site. We are not liable for any failure of products or services advertised on the linked site.

Funds Availability Disclosure

YOUR ABILITY TO WITHDRAW FUNDS
This policy statement applies to “transaction” accounts. Transaction accounts, in general, are accounts which permit an unlimited number of payments to third persons and an unlimited number of telephone and preauthorized transfers to other accounts of yours with us. Checking accounts are the most common transaction accounts. Feel free to ask us whether any of your other accounts might also be under this policy.

Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive your deposit. Once the funds are available, you can withdrawal them in cash and we will use the funds to pay checks that you have written.

Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays and federal holidays. If you make a deposit before closing on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

LONGER DAYS MAY APPLY
Case-by-case delays. In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $200 of your deposit, however, will be available on the first business day.

If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make the deposit. We will also tell you when the funds will be available. If you deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the end of the day after we receive your deposit.

If you will need funds from a deposit right away, you should ask when the funds will be available.

Safeguard exceptions. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

We believe a check you deposit will not be paid.
You deposit checks totaling more than $5,000 on any one day.
You redeposit a check that has been returned unpaid.
You have overdrawn your account repeatedly in the last six months.
There is an emergency, such as failure of computer or communications equipment.
We will notify you if we delay your ability to withdrawal funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

SPECIAL RULES FOR NEW ACCOUNTS
If you are a new customer, the following special rules will apply during the first 30 days your account is open.

Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day’s total deposits of cashier’s, certified, teller’s travelers, and federal, state, local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have a special deposit slip). The excess over $5,000 will be available on the ninth business day after the day of your deposit. If you deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be made available until the second business day after the day of your deposit.

Funds from all other check deposits will be available on the ninth business day after the day of your deposit.

Information when Opening A New Account

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

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. Thank you for your cooperation.

General

Information on the website is provided “as is”. Posted rates and products are subject to change without notice. Links and calculators are provided as a service to users for educational purposes only. Town and Country Financial Corp. does not guarantee the accuracy of the calculators. Town and Country Financial Corp. does not endorse or approve the material on the linked sites.

We, us, and our means Town and Country Financial Corp and its affiliate bank and company.

Complaints

Please call us anytime if you have questions or a complaint toll free at 866.770.3100 or you may e-mail us at support@townandcountrybank.com*.

*E-mail sent to the Bank is NOT secure. Please do NOT send confidential information such as social security or account numbers to us via an unsecured e-mail. Such communications should be sent to us via postal mail or you may call 866-770-3100 or visit one of our branches.