Online Banking Application

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Enroll in Online Banking

Thank you for choosing to enroll in State Street Bank's online banking service. Please read the terms of service below and click the button at the bottom so we can get started.

Terms of Service

State Street Bank's Online Banking is accessible 24 hours a day, 7 days a week. The bank is not liable under this agreement for failure to provide access due to system failure or unforeseen circumstances.

Services Provided

Online Banking provides the following services:

  • Account Balances and Transaction Detail
  • Transaction Downloads
  • Account Transfers
  • Loan Payments
  • Checking and Savings Account Statements
  • Secure email
  • Order Checks

For customers who select Bill Payment Services:

  • One-time Payments
  • Fixed Recurring Payments
  • Occasional Payments
  • Variable Recurring Payments


Security is a high priority to State Street Bank and our Online Banking product. The following security measures are taken to ensure confidentiality and protection of your data: Secure Socket Layer protocol, 128 bit encryption, firewalls, lock out after three incorrect PIN attempts and automatic log-off after 10 minutes of inactivity. In addition to system security measures, it is very important that the ID and Password used to access our system are kept safe and confidential. They should never be told to anyone. When choosing a Password, refrain from choosing something that would be easily guessed and consider changing it periodically. We also recommend that you maintain up-to-date virus protection software on your computer. State Street Bank is not responsible for any viruses or problems encountered.


For an account to be accessible with Online Banking, you must be an owner or signer on the account. You must have appropriate authority to initiate transfers or payments in order 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 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 ID and Password are authorized unless we have been notified to cancel the service.

Customer's Liability

Tell us AT ONCE if you believe your ID and/or Password has been compromised, lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days, you can lose no more than $50 if someone used your ID and/or Password without your permission. If you do NOT tell us within 2 business days after you learn of the compromise, loss or theft of your ID and/or Password, and we can prove we could have stopped someone from using your ID and/or Password without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers or payments that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods.

Institution's Liability for Failure to Complete Transactions

If we do not complete a transaction to your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

  • If, through no fault of ours, you do not have enough money in your account to make the transaction.
  • If the transaction would go over the credit limit on your overdraft line.
  • If the Online Banking system was not working properly and you knew about the breakdown when you started the transaction.
  • If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken.
  • Any information provided by you about the payee is incorrect or the payee receives the payment in time but fails to process the payment correctly or in time.

Errors and Questions

In case of errors or questions about your Online Banking service or transactions:

Call us at:

Write us at:
State Street Bank
801 State Street.
Quincy, IL 62301

Or contact us as soon as you can.

We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared.

  • Tell us your name, Access ID and account number.
  • Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  • 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. For errors involving new accounts, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. 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.


Currently, Online banking is Free.

Business Days

As defined herein, the business days of this institution are: Monday through Friday. Holidays and Saturdays are not included.

The cut-off time for transactions is 4:00 pm. All transfers initiated before 5:00 pm will be processed on the current day. Any scheduled after 5:00 pm will be processed on the next business day.

Any Bill Payments scheduled for a non-business day will be processed on the previous business day.

Disclosure of Information to Third Parties

We will disclose information concerning your account to third parties only:

When necessary to complete the transaction. To verify the existence and condition of the account to the third party. To comply with a government agency or court order, or If your written permission has been given.

Cancellation of Online Banking

We reserve the right to cancel your Online Banking service, at any time, if conditions warrant, such as insufficient funds or security risks. You will remain responsible for all transactions completed prior to cancellation. You may terminate your Online Banking or Bill Payment service at any time by contacting our Online Banking Department.

No Signature Requirements

You agree with any transactions generated through the use of Online Banking, we may process the transaction without your signature or notice to you.

Business Accounts

Businesses will be held responsible for the acts of its employees in the use of Online Banking.

If you have any questions about the terms explained above, please feel free to contact us.

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