This Internet Banking Access Agreement for accessing your personal accounts via Thread Bank explains the terms and conditions which govern online account activity.

By using the online financial services provided by Thread Bank, you agree to abide by the terms and conditions of this agreement. This agreement will be governed by all applicable federal laws and regulations. In the event that no federal law applies, the agreement will be governed by laws and regulations effective in the State of Tennessee.

The term "business day" refers to every day except Saturday, Sunday and Federal Banking Holidays.

Accessing Your Accounts

In order to activate Online Banking, you must have at least one account with Thread Bank.  As a customer of Thread Bank, you may access your accounts by selecting and using an online password (PIN). You should keep your PIN in a secure location. Any person having access to your Thread Bank PIN will be able to access Online Banking and perform all transactions, including reviewing account information and making transfers to other accounts which are accessible with your PIN.

If you suspect that an unauthorized person has access to your password, please use one of the following methods to contact us immediately:

Call us Monday through Thursday, 8:00 a.m. to 4:30 p.m. or Friday, 8:00 a.m. to 5:00 p.m. at 423-921-9900 or e-mail us at

There are no monthly fees for viewing these accounts or for transferring funds between accounts.

Terms and Conditions

The first time that you access any of your accounts through Online Banking, you confirm your agreement to abide by all the terms and conditions of this Online Agreement and acknowledge your receipt and understanding of this disclosure. Thread Bank reserves the right to cancel your online service at any time without notice due to insufficient funds in one or more of your accounts. After cancellation, service may be reinstated at the discretion of the bank provided that funds are available to cover the cost of any fees and/or pending transfers. To reinstate your service contact us at 423-921-9900 or via e-mail at

Balance Information- You may access any eligible Thread Bank account on which you are authorized to receive transaction history and balance information. The balance and account history will show the current balance of the account, including any transactions conducted prior to the inquiry. Returns in process due to non-sufficient funds or stop payments may not be reflected in the inquiry. If you do not access your accounts via Online Banking for any three-month period, Thread Bank reserves the right to disconnect your service.

You agree to be responsible for any telephone and/or Internet Service Provider charges that you may incur by accessing your accounts via Online Banking at Thread Bank.

If you wish to cancel any of your Online Banking services, please contact Thread Bank at 423-921-9900, e­ mail us at or send us cancellation instructions in writing to Thread Bank, 210 East Main Street, Rogersville, TN. 37857, Attn: Operations Department.

Fees and Charges for Online Banking

There are no monthly fees for viewing accounts or transferring funds between accounts.

We reserve the right to change the fees, charges or other terms outlined in this agreement. We will notify you 30 days prior to implementation of changes, either by written notice or via e-mail. We also reserve the right to update this agreement at any time that we deem necessary. You may choose to accept or decline changes by continuing to specific accounts are governed by the applicable account disclosure.

Customer Rights and Responsibilities

In additional to this agreement, you agree to be bound by an comply with the account agreement and account disclosure, the rules and regulations of the electronic transfer system, and the state and federal laws and regulations including the Regulation E disclosure that you received when you opened your account. You, the customer, are responsible for keeping your PIN and account data confidential.  We are entitled to act on transaction instructions received using your PIN, and you agree that the use of your PIN will have the same effect as your signature, authorizing the transactions.  If you authorize other persons to use your PIN in any manner, your authorization will be considered unlimited in amount and manner until you have notified us in writing that you have revoked the authorization, changed your PIN. You, the customer, agree that you are responsible for any transactions made by such persons until such time that we receive and have time to act upon the notification that transfers by that person, or instructions regarding your accounts, are no longer authorized.

You must notify us immediately if you suspect that another person has improperly obtained use of your online password. You must also notify us if someone has transferred or may transfer money from your bank account without your permission, or if you suspect any fraudulent activity related to your account. You should reveal your account number only to legitimate entities for purposes you authorize, such as automatic payments to your insurance company. To notify us call 423-921-9900, e-mail at or call your local branch.

Stop Pays

Stop pays will not be processed at this time. For your protection and the safeguarding of your account(s), this process must be conducted in the presence of a Thread Bank employee or officer.

Limitations on Bank Liability

The bank will not be responsible for the following incidents, errors or failures:

Access-The bank will not be responsible for failure to provide access to Online Banking at Thread Bank due to a system failure or due to other unforeseen acts or circumstances.

Your Computer Equipment or Software- We will not be responsible for any error or failures from a malfunction of your computer, or any computer virus or other problems related to your computer equipment used with Online Banking. The bank is not responsible for any error, damages, or other losses you may suffer due to the malfunction or misapplication of any system you use, including your browser (Microsoft Explorer, Netscape Navigator, etc.), your Internet service provider (ISP), your personal financial management or other software, (such as Quicken), or any equipment you may use to access or communicate with Thread Bank.

Electronic Mail (e-mail)

You may use e-mail to contact us about inquires, maintenance, and/or some problem resolution issues, in which case we will respond by e-mail. E-mail may not be a secure method of communication. We therefore recommend that you do not send confidential, personal or financial information by e-mail.

There may be times when you need to speak with someone immediately, in these cases, call your local branch.

Ownership of Website

Thread Bank prohibits the unauthorized use, reproduction, linking, or distribution of any portions of information contained on our website.

Thread Bank Alerts Terms and Conditions

Alerts. Your enrollment in Thread Bank Online Banking and/or Mobile Banking (the "Service") includes enrollment to receive transaction alerts and notifications ("Alerts"). Alerts are electronic notices from us that contain transactional information about your Thread Bank account(s). Alerts are provided within the following categories:

  • Mandatory Alerts provide you with important account notifications, such as information about changes to your Online Banking password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts.
  • Account Alerts provide you with notification of important account activities or when certain changes are made to your Service accounts, such as scheduled payments made, scheduled payments cancelled and mobile deposits. These Alerts are automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not do so because they provide important information related to your Service accounts.
  • Additional Alerts must be activated by you to be enabled.  These Additional Alerts can be accessed from the Manage Alerts menu within Thread Bank Online Banking and Manage Alerts menu within Thread Bank Mobile Banking.

Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts though your mobile device. We may add new Alerts from time to time or cancel old Alerts. We usually notify you when we cancel Alerts but are not obligated to do so. Thread Bank reserves the right to terminate its alerts service at any time without prior notice to you.

Methods of Delivery

We may provide Alerts through one or more channels ("EndPoints"): (a) a mobile device, by text message, (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your Thread Bank Online Banking message in-box, by an e-mail message. You agree to receive Alerts through these EndPoints, and it is your responsibility to determine that each of the service providers for the EndPoints described in (a) through (c) above supports the email, push notification, and text message Alerts provided through the Alerts service. Please be advised that text or data charges or rates may be imposed by your EndPoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you Alerts. If your email address or your mobile device's number changes, you are responsible for informing us of that change. Your Alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number.

Alerts via Text Message. To stop Alerts via text message, text "STOP" to  99588 at anytime. Alerts sent to your primary email address will be unaffected by this action. To restore Alerts on your mobile phone, just visit the Alerts tab in Thread Bank Online Banking and click the box next to your mobile number for the Alerts you'd like to receive again. For help with SMS text alerts, text "HELP" to 99588. In case of questions please contact customer service at 423-921-9900. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile•, U.S. Cellular", Verizon Wireless, MetroPCS.


Thread Bank provides Alerts as a convenience to you for information purposes only. An Alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide Alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any Alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside Thread Bank's control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold Thread Bank, its directors, officers, employees, agents, and service providers liable for losses or damages, including attorneys' fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose.

Alert Information

As Alerts delivered via SMS, email and push notifications are not encrypted, we will never include your passcode or full account number. You acknowledge and agree that Alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your Alerts will be able to view the contents of these messages.