Disclosures & Identity Protection


Website Disclosure Statement

The following terms of use apply to your access to and use of The Bank of Santa Barbara’s Internet site. Please take a moment to read these terms carefully. By accessing any page of our online site, you agree to be bound by these terms. The term "Bank" as used in these Terms and Conditions means The Bank of Santa Barbara.

Information and materials of the Bank included in its online site are protected by the copyright laws of the United States and international treaties.
All online site design, text, graphics and the arrangement thereof are Copyright© 2010 The Bank of Santa Barbara. Any use of the information and materials included in our online site - unless otherwise indicated - without the prior written permission of the Bank is prohibited.

Use of Information and Materials
The information and materials contained in these pages - and the terms, conditions, descriptions that appear - are subject to change. Not all products and services may be available at all times and in all geographic regions. Your eligibility for particular products and services is subject to final Bank determination and acceptance.

Disclaimer of Warranties
The information, materials and functions contained in our online site, including text, graphics, links or other items are provided on an "AS IS" basis without warranties of any kind, either express or implied, including but not limited to warranties or merchantability, or fitness for a particular purpose. The Bank does not warrant the adequacy, accuracy or completeness of information and materials included in our online site or in third party sites linked to or from our online site or that the functions provided will be uninterrupted or error-free. The Bank expressly disclaims any liability for errors in or omissions from information, materials and functions included in our online site or any third party sites linked to or from our online site.

Disclaimer of Liability
In no event will the Bank be liable for any direct or indirect, special, incidental, consequential or punitive damages or lost profits arising in connection with use of our online site; any interruption in availability of our online site, delay in operation or transmission, computer virus, loss of data, or otherwise, even if the Bank has been advised of the possibility of such damages or loss.

At The Bank of Santa Barbara we collect only customer information that is needed to provide customer services, to offer new products and services, and to fulfill any legal and regulatory requirements. Our customers are entitled to information about the general uses of information we collect about them, and we will provide additional explanation if customers request it.

Access to customer data is limited to those who specifically need it to conduct their business responsibilities as related to the servicing of customer accounts and fulfilling requests for information. Each bank employee is personally responsible for maintaining consumer confidence at all times. Internal audits are conducted and external experts are contracted to review our compliance with these privacy principles and the specific policies and practices that support these principles.

You may communicate directly with the Bank through our online site, subject to the following conditions:

  • You may not upload any information or material that violates any copyright, trademark or other proprietary rights of any person or entity
  • You must not include any obscene, libelous or defamatory content in your communications.
  • You must indemnify and hold the Bank harmless from any and all damages, losses and liabilities arising from your communications with us through our online site.
  • You acknowledge that from time to time, some of those communications may be shared with companies in the The Bank of Santa Barbara family.

Children Online
Protecting children's identities and information online is important. The Bank of Santa Barbara does not knowingly solicit data from children online, nor do we market our online products and services to children.


e-Statement Disclosure

Welcome to The Bank of Santa Barbara online electronic bank statement delivery service (hereafter referred to as “e-Statement”). Please read this agreement carefully and consider printing a copy for your records.
In this Agreement, “we”, “us”, and “our” mean The Bank of Santa Barbara. The words “you” and “your” mean the person(s) accessing “e-Statements”, which are an electronic form of the periodic paper statements available through The Bank of Santa Barbara’s Online Banking Service.
You agree to the following provisions regarding e-Statement services received from The Bank of Santa Barbara:

Your Consent
By giving your consent, you agree to receive e-Statements in lieu of periodic paper statements for all accounts enrolled now and in the future in The Bank of Santa Barbara’s Online Banking Service. If you do not consent to receiving e-Statements, you should not proceed with your enrollment for the e-Statements service.
For multi-party accounts, consent or withdrawal of consent to receive electronic disclosures, records, or other information by any authorized party to the account will be effective for all account holders.
With this consent you also agree to receive in electronic form any communication normally provided in the paper periodic statements, including contract change in terms, Privacy Notice, and other notices that may be required by law.

How to get your e-Statements
You will be notified by e-mail that your e-Statement is available to view. It is your responsibility to review each statement provided through online banking.
If your e-mail is returned as undeliverable, an attempt will be made to contact you. If contact cannot be made, a paper statement will be sent to you through the U.S. Mail for the current and future statement cycles, and your online banking services may be terminated. If you need a paper copy of your statement, you may choose to print it yourself or request that we mail you a paper copy. To request a paper copy, contact us by telephone at 805-730-7860 or email us at ebank@banksb.com. We may charge you a service fee for the paper copy.

Your Responsibility To Notify Us Regarding Errors, Irregularities, Or Unauthorized Access
You must promptly review your e-Statements and any accompanying items. Notify us immediately of any suspected error, alteration, or other irregularity, (a) with your e-Statements; or; b) with your account, including unauthorized access. Telephoning us immediately is the best way to keep your losses down, although you must also notify us in writing to preserve your rights. Notification of suspected errors, alterations, or other irregularity within your e-Statement must be given within sixty (60) calendar days of the e-Statement in which the suspect item appears. This time period begins on the e-Statement e-mail notification date, regardless of when you access and/or review your e-Statement.

Withdrawal of Consent
You may withdraw your consent at any time by calling us at 805-730-7860. At our option, we may treat an invalid e-mail address or the subsequent malfunction of a previously valid e-mail address as a withdrawal of your consent to receive e-Statements. If you withdraw your consent, we will begin sending you paper periodic statements. Withdrawal of your consent to receive electronic communications will be effective only after we have a reasonable period of time to process your withdrawal.

Information Needed to Contact You
You are responsible for notifying us of any e-mail address changes. Notification of any e-mail changes should be received ten (10) days before the end of your normal statement cycle. You can also notify us by email at ebank@banksb.com or  you may contact us at 805-730-7860.

Starting Up Electronic Statements Again After Your Withdrawal of Consent
If you want to receive e-Statements again after you have withdrawn your consent for e-Statements, you must complete the consent process again and reconfirm your ability to access e-Statements.

Hardware and Software Requirements
Below are the hardware and software requirements for access to and retention of the information being provided to you electronically. We will notify you whenever we change or revise these requirements.

  • A personal computer or other device capable of accessing the Internet. Your access to this page verifies that your system/device meets these requirements.
  • An Internet web browser which is capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version such as Microsoft® Internet Explorer version 6.0 (available for downloading at http://www.microsoft.com).Firefox version 3.5 (available for downloading at www.mozilla.com/firefox), and your system or device must have 128-bit SSL encryption software.
  • You must have software which permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® (available for downloading at http://www.adobe.com/products).
  • To retain a copy of the e-Statements, disclosures, notices, terms and conditions, or other documents, your device must have the ability to download and store or print PDF files.


Online Banking Disclosure Statement

This Online Banking Access Agreement (the "Agreement") provides the terms and conditions governing the use of Online Banking, an internet-based service offered by The Bank of Santa Barbara. By using any of the Online Banking Services, you agree to abide by the terms and conditions of this agreement as well a the terms, conditions, agreements, fee schedules, and disclosures applicable specifically to any such service and provided on The Bank of Santa Barbara’s web site. "You" and "your" refer to each person who opens or is authorized to use any account or service offered by The Bank of Santa Barbara. "We" refers to The Bank of Santa Barbara. The Bank of Santa Barbara is entitled to act upon instructions received with respect to any Online Banking service under your User

ID and secret Password and without inquiring into the identify of the person using the Password. The Bank of Santa Barbara will establish access for you using a default Password. You shall immediately change your Password upon your first log-in. If you do not log in within 45 days of being notified of your Password, we will disable your access to the Online Banking Service. You must contact The Bank of Santa Barbara to restore access. You agree that you will not under any circumstances disclose your Password to anyone, including anyone claiming to represent The Bank of Santa Barbara. No one from The Bank of Santa Barbara will ever ask you for your Password, and The bank of Santa Barbara employees do not need your Password for any reason.

You are liable for all transactions made or authorized with the use of your Password. The Bank of Santa Barbara has no responsibility for establishing the identity of any person who uses your Password. You agree that if you give your Password to anyone or fail to safeguard its secrecy, you do so at your own risk since anyone with your Password will have access to your accounts. You agree that if you believe the secrecy of your Password has been compromised, you will immediately notify The Bank of Santa Barbara of that fact, and will immediately change your Password.
For joint accounts, each person must have a separate Password. Each person on a joint account will be liable for all transactions that are made on that account by all other joint holders of the account.

To the extent permitted by law, you agree to indemnify and release The Bank of Santa Barbara from any and all liability, and agree not to make any claim against The Bank of Santa Barbara or bring any action against The Bank of Santa Barbara, relating to its honoring or allowing any actions or transactions that were conducted under your Password.

By directing The Bank of Santa Barbara, through the use of any Online Banking service initiated with your User ID and secret Password, to transfer funds or make a payment of any kind, you authorize The Bank of Santa Barbara to withdraw from the designated account the amount of funds required to complete the transaction. Requests for new account services, instructions to change existing account information or services and other communications received by The Bank of Santa Barbara through the internet shall constitute legal endorsements, and shall have the same force and effect as a written request signed by you.


Protecting Your Identity

Important Note – The Bank of Santa Barbara will never ask for personal information (such as your account number, social security number, password, or PIN) in an email or send you any email with a link to a website that asks for any such information.


Here are some suggestions on how you can prevent your financial information from being used fraudulently:

  • Never give your credit card or bank account number to any unsolicited caller who is unknown to you and seeks to sell you something or offers you a prize.
  • Memorize your personal identification number (PIN) for ATM transactions and other banking business; if you must write it down, and keep it separate from your card.
  • Never use your Social Security Number as a password.
  • Do not put your address, phone number, or other personal information that does not appear on the front of your credit card on a credit card receipt.


In general, identify theft is more extensive than fraud. Fraud is usually limited to an isolated attempt to steal money from an existing account. Identity theft is a more complex form of financial fraud; thieves use your confidential information to repeatedly commit fraudulent activities in your name, such as when applying for car loans, rent apartments, or open a bank account to write bad checks. They essentially attempt to duplicate your identity, which can harm your financial standing and your credit.

What is Identity Theft?
Identity theft takes place when someone steals your personal information (such as your name, social security or bank account number) to commit fraud. These thieves use the information to repeatedly commit fraud in an attempt to duplicate your identity. It can have a negative effect on your credit and create a financial hassle for you. Take action to minimize the changes of becoming a victim of identity theft. Top seven ways someone can steal your identity:

  • Lost or stolen information like Social Security Cards, checkbooks, credit cards or your mail can provide criminals with enough data to commit fraud.
  • Onlookers at the ATM or in stores may get your PIN while you are using your debit card.
  • Inside jobs are also a threat to your security. An employee of a business such as a doctor's office or financial services company may illegally access personal information and sell it to identity thieves.
  • The Internet creates a place that criminals collect critical personal information. They use the Internet to look for personal pages that contain information like genealogical data with your mother's maiden name that can be used to set up a credit card account or possible access existing accounts.
  • Phishing is an attempt to steal confidential information from consumers through the use of "pop ups" or emails. These emails have Internet links to deceive you into disclosing sensitive information, such as bank account numbers and social security numbers. Oftentimes the email appears as if it coming from a trusted source. It directs you to a "spoof" website that encourages you to divulge sensitive information.
  • Skimmers are devices used to read the magnetic strip from your credit card or bank card. They are often hidden in places where you legitimately use your card to make a transaction like an ATM or restaurant. Your information is typically used within 24 hours of the skim to make online purchases.
  • On the phone you may be duped into providing information to someone disguising themselves as a legitimate business representative like your phone company, a department store, or cable company.

Ten Tips to Protect Your Identity

  • Reconcile your bank and credit card statements monthly. Make sure that there is nothing suspicious or out of the ordinary on your statements
  • Guard your Personal Identification Numbers (PIN)s. Do not keep your PIN with any of your credit or ATM cards.
  • Be wary of "phishing" emails that appear to be from a valid company or financial institution requesting confidential information. Legitimate organizations typically do not send unsolicited emails asking for confidential information. Do not reply to these emails or click on links embedded with them.
  • Report lost or stolen checks or credit cards immediately.
  • Pay bills online or use a locked mailbox to avoid mailbox theft. You are less likely to have your personal information stolen online than from your mailbox. Have your new personal checks delivered to your local financial institution.
  • Check your credit report at least twice a year. The three major credit-reporting agencies (Experian, Equifax, TransUnion) are required to provide you with one free credit report a year. Visit www.annualcreditreport.com to obtain yours.
  • Do not give out information such as checking account, credit card or Social Security numbers over the phone unless you initiated the call.
  • Avoid passwords that are easy to discover like your mother's maiden name or your birth date. Regularly change your passwords. Also, create a username that is unique and difficult for others to guess.
  • Shred all documents containing personal information.
  • If you think you are a victim of identity theft, take action immediately. Contact the local police, your bank(s), the three major credit reporting agencies (Equifax (800)525-6285, Experian (888) 397-3742 and TransUnion (800) 680-7289), and the Federal Trade Commission at (877) IDTHEFT.

Check these resources for more information on identity theft and your credit report:

How to Report a Suspicious Email:
If you suspect that you've received a fraudulent Bank of Santa Barbara email, please call us at 805-730-7860 or forward it to us at ebank@banksb.com 
Don't change or retype the subject line - this inhibits our ability to properly investigate it. After forwarding the email, you should delete it from your Inbox, Sent Items, and Deleted Items folders.
Member FDIC


Statement Backer


1. Sort your checks by number or date of issue. Compare them with your check register or check stubs. Indicate all paid checks with a checkmark.

2. Reduce your checkbook balance by the amount of any service charges not previously deducted.

3. Enter the balance shown on this statement on Line 1 of the balance form below.

4. Enter any deposits made after the date of this statement on Line 2 of the balance form and add them to the statement balance.

5. List and total all checks issued but not paid in the “Checks Outstanding” columns below. Enter this total on Line 3 of the balance form, and subtract.

6. The remaining balance should be the same as your checkbook balance. If the final balances do not agree, recheck the accuracy and completeness of all entries and computations. Any irregularity on the statement should be reported to the bookkeeping department at once. If no error is reported in ten days, the account will be considered correct.


Check Number or
Date of issue
TOTAL and Forward to next column    
Check Number or
Date of issue
TOTAL and Forward to next column    
Enter balance
shown on this
statement here…..
Line 1
Add any deposits
made after the date
of this statement
here …..Line 2
(Use this space
for any additional
deposits made)
TOTAL of Line 1
and Line 2
Enter total of checks
outstanding and
subtract here…..
Line 3
Your checkbook
should show this

OBJECTIONS TO ENDORSEMENT S not made within thirty days from date of discovery of irregularity and all other objections to said vouchers or to any item of such statement for any cause (whether then unknown or known) not made within thirty days from the last date covered by such statement shall be absolutely barred and waived.

DISCLOSURE TO THIRD PARTIES: We shall not disclose any information to third parties, pertaining to your accounts, except when necessary to complete transfers in order to comply with government or court orders under the Right to Financial Privacy Act of 1978, or in accordance with your written instruction.

IN CASE OF ERRORS OR QUESTIONS ABOUT ELECTRONIC TRANSFERS: Call or write to us as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or the receipt. Our address and telephone number are listed on the front of this statement. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem 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 there is an error or why you need more information.
(3) Tell us the dollar amount of the suspected error.

We will determine whether an error occurred within 10 business days (20 business days for new accounts) 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 (90 days on new accounts, point-of-sale debit card transactions, and transfers initiated out of state). If we decide to do this, we will credit your account within 10 business days (20 business days for new accounts) 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 compliant or question in writing and we do not receive it within 10 business days, we may not credit your account.

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.

HOW WE COMPUT E FINANCE CHARGES ON YOUR REVOLVING LINE OF CREDIT: Finance Charges are imposed on advances as of the date of posting and continue to accrue until paid in full. We calculate the Current Finance Charge on your account by multiplying the Daily Periodic Rate by the Average Daily balance on your statement including current transactions and then multiplying by the Days in the statement cycle. To get the Average Daily balance we take the beginning balance of your account each day, add any new advances or other debits for that day, and subtract any payments or credits and any unpaid Finance Charges. This gives us the daily balance. Then we add up all the daily balances for the statement cycle and divide by the Days in the statement cycle. This gives us the Average Daily Balance. The billing cycle ends on the Closing Date. If your account is subject to a variable interest rate, your periodic rate may vary.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR REVOLVING LINE OF CREDIT BILL: lf you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet of paper at our address shown on the front of the statement as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter give us the following information: 1) your name and account number, 2) the dollar amount or the suspected error, and 3) describe the error and explain if you can, why you believe there is an error. If you need more information, describe the item you are unsure about.

You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we are investigating your question, we cannot report you as delinquent or take any action to collect the amount you question.

This Account is subject to the term and conditions and limitations appearing in the depositor’s contract on the signature card. The bank disclaims responsibility for any error in, or improper charge to account as rendered unless informed in writing within sixty days of the delivery or mailing any statement or cancelled vouchers.

PINLESS DEBIT CARD TRANSACTIONS: We may process certain transactions as a PINless debit card transaction. A PINless debit card transaction occurs when you enter your Visa Check Card or Visa Debit Card number and the transaction is posted to your account as an ATM Withdrawal or Debit Card Purchase without PIN authentication. Examples of transactions that may be PINless include, but may not be limited to, government payments, utilities and property management transactions. Any transaction processed as a PINless debit card transaction is not covered by the provisions of the Visa cardholder agreement and do not qualify for rewards and/or Visa’s Zero Liability policy.