For purposes of this agreement, “you and your” mean the person(s) requesting to open an account(s). “We”, “us”, or “ours” refers to State Bank.

You have elected to open an account with State Bank using our electronic disclosure and e-signature option. By accepting this agreement, you agree to the terms of this Agreement and consent to receive future electronic communications in connection with certain Agreements, Notices and Disclosures including but not limited to:

  • Terms and Conditions
  • Funds Availability Policy
  • Truth-In-Savings Disclosure
  • Electronic Funds Transfer Disclosure and Agreement
  • Periodic Statements
  • Privacy Policy
  • Change-In-Terms Notices
  • Website Agreement
  • Fees
  • Other written notices as required by law

You are also consenting to receive Electronic Statements in lieu of paper statements for any account(s) you open and maintain with us. You may obtain paper copies of your online Agreements, Notices and Disclosure documents and electronic statements by printing them yourself, by saving a copy to your electronic device or by contacting your banking center. A fee may be charged for providing paper copies of periodic statements. For joint account holders, any consent or withdrawal of consent to receive online Agreements, Notices and Disclosure documents and electronic statements by any one account holder will be effective for all account holders.

You further acknowledge that (a) your electronic signature on the account application constitutes your legal signature which will be maintained in your account records, and (b) you are providing your consent to receive electronic communications pursuant to the Electronic Signatures in Global and National Commerce Act and intend that this statute applies to the fullest extent possible.


When checking the box “I have read and agree to this Electronic Disclosure and Consent Agreement” you indicate your consent to the terms, conditions and responsibilities contained herein. If you want to withdraw your consent to receive online disclosure documents and electronic statements, you may do so at any time hereafter by contacting us directly. Please note a fee may apply for printed statements.


All communications that we send electronically will be provide either (1) in your secure Online Banking message center, (2) via this website, or (3) via your external email address. This requires that you keep your email address and other contact information contained in your profile up-to-date.

System Requirements:

In order to access the online Agreements, Notices and Disclosure documents and statements, we require that you have an Internet Service Provider (ISP) and that you use a Web browser that is equipped with 128-bit encryption technology. Adobe® Acrobat Reader 7.0 or later may be required to view certain online Agreements, Notices and Disclosure documents or electronic statements. You will need a printer or a long-term storage device, such as your computer’s disk drive, to retain online Agreements, Notices and Disclosure documents and electronic statements for future reference.

More information about the Adobe® system requirements can be found here: System requirements for Adobe Sign