Personal Online Banking Agreement and Disclosure Statement,
Personal Internet Banking Agreement and Disclosure Statement
On June 30, 2000, Congress enacted the Electronic Signatures in Global and National Commerce Act (E-Sign Act) to ensure the legality of electronic contracts. Before obtaining products or services electronically through Suburban Bank and Trust Company please read and agree to this agreement.  Your consent to this agreement covers all of your transactions relating to the product of service that you agree to obtain electronically.

This agreement states the terms and conditions that apply when you use the Suburban Bank and Trust Company, (herein referred to as "Bank") Internet Banking service.  These terms and conditions are in addition to those that apply to any accounts you have with us or any other services you obtain from us. You must also follow all of our instructions and procedures applicable to the services covered by this agreement.  “You”, “I” and "your" mean each person who establishes an Internet Banking Customer Account with us or who uses or is authorized to use an Internet Banking Access ID and "Password" or other means of access we establish or approve.  The term "Internet Banking" means our Personal Online Banking and Bill Payment services that you access over the Internet, by use of a personal computer, modem and/or other means we authorize or allow.

(A)
INTERNET BANKING FEATURES
Suburban Bank and Trust’s Internet Banking service provides you the following features:

• Instant Enrollment
• Secure Login
• Real-time Account Balances and Information
• Express Transfer
• Schedule Transfer
• Create account nicknames
• Change security data
• Web Connect™ for Quicken
• Two year statement history (text only)
• Three months statement history (text and images) with e-statement
• View and print front and back of check images (current and immediate previous statement cycles)

Bill Pay (Optional)

• Make payments to designated payees
• Transfer funds from your SBT account to your accounts at different financial instructions
• Transfer funds from your SBT account to another person’s account at a different financial institution
• Send gift checks
• Email reminders
• View and print 18 months of Bill Payment history

(B)
SYSTEM AND SOFTWARE REQUIREMENTS
The customer is responsible for the purchase, installation, maintenance, upgrades, security of the software, security of the hardware, and Access IDs and Passwords to the Internet Banking.  Customer agrees to use a reputable antivirus and antispyware software program on their computer and update such antivirus and antispyware software on a regular basis.  The bank is not responsible for any errors or issues that arise from the malfunction or failure of either the hardware or software.

To print the Internet Banking Agreement and/or account information you must have access to a printer.

In order for you to access and retain records in connection with Internet Banking and Bill Pay services, you must have a computer with access to the internet that meets the following requirements:

Supported Browsers
This list refers to production versions of publicly released browsers that are compatible with SBT’s Internet Banking system.  You must meet the operating system and hardware requirements stated by the developers of each supported browser.  Browsers are tested and qualified with Internet Banking, not the operating system or hardware platforms they run on.  The versions listed below are the minimum required, but it is recommended that you update to the latest versions.

Microsoft® Windows

• Microsoft Internet Explorer (IE) 6.0 SP2.
• Microsoft Internet Explorer (IE) 7.0.
• Mozilla Firefox 2.0 or higher.
• Netscape Navigator 7.0 or higher.
• Opera version 9.0 or higher.

Linux®

• Opera version 9.0 or higher.

Apple/MAC®

• Mozilla Firefox version 2.0 or higher.
• Mozilla Camino 1.0.3 or higher.
• Netscape Navigator 7.0 or higher.
• Opera version 9.0 or higher.
• Apple Safari 1.2.1 or higher (MAC OSX only. iphone not supported)

Unsupported Browsers
Any browser that is not listed in the Supported Browser list is unsupported.  That does not mean that it will not work with SBT’s Internet Banking, just that it is not specifically tested to ensure that it fully functions with Internet Banking.

(C)
INTERNET ACCOUNT OWNER INFORMATION
You must be the owner of the account(s) and you must have signature authority to be able to view these account(s).

(D)
INTERNET BANKING ID AND PASSWORD
To access our Internet Banking service, you must use Access ID together with a Password.  It is your responsibility to safeguard your Access ID and Password. Anyone to whom you give your Access ID and Password will have FULL access to your accounts, including the ability to view your transactions, check images, and move funds out of your account via Bill Pay - Even if you attempt to limit that person's authority. You will be responsible for all usage and any fees associated with the use of other services accessed through online banking.

(E)
INTERNET SECURITY
The Bank will NEVER contact you to ask for your Access ID or Password.  If you are approached by anyone to provide your Access ID and Password, DO NOT PROVIDE THIS INFORMATION.  Contact the Bank immediately, as you could be the victim of attempted fraud or identity theft.  You can contact us by calling our 24-Hour Automated Banking Hotline, 877.279.1300.

At Suburban Bank and Trust Company, we understand the importance of the responsibility that our customers have entrusted to us.  Suburban Bank and Trust Company is proud of the sophisticated level of data security and privacy supplied to its Internet Banking clients and their accountholders.  Data security is provided on multiple levels: by firewall, intrusion detection software, network monitoring, application level security and company policy.

Layered Authentication:  This security feature is designed to protect the privacy and security of your personal information.  The display of the Authentication image and pass phrase verifies you are at our Web Site, not a fraudulent look-alike site.  The Challenge Questions/Answers are used to identify you and prevent unauthorized access to your information.  Registering the computer(s) you normally use to access your information provides additional security to verify
your identity.

The image or picture is defaulted and cannot be changed during the establishment of Layered Authentication.  Once you have completed the authentication process, you may select another image from the Change Security Data on the Internet Banking Options button.

• The email address appears as stored in Internet Banking.  If this area is blank, enter your valid contact email address and confirm it.  If the email address displayed is invalid, it can be corrected after completing the Layered enrollment and you have access to your accounts.  To correct your email address, select “Change E-mail Address” from the Options button and complete the required information.
• Enter an Authentication Pass Phrase you will recognize during future logins, up to 100 characters.
• Select each Challenge Question and provide your answer, up to 83 characters.  The Challenge Questions may be used to authenticate the user when accessing Internet Banking from a non-registered computer.
• Select an option to register the computer you are currently using.  The first option, "This is a Personal Computer.  Register it.", is selected for the computer used most often to access your accounts via Internet Banking. You may register more than one computer.  The second option, "This is a Public Computer. Do Not Register it.", is selected when you are accessing your accounts from a computer used for a one-time access, such as from an Internet café or library.

Firewall:  A firewall serves as a security gate between the Internet and our network that inspects data passing through it, and denies or permits passage based on a set of rules.  By intercepting the data first, the firewall ensures that only data permitted by our rule set may be passed beyond the public internet to our secure web commerce server, and ultimately to the Internet Banking application.

Secure Socket Layer:  We use the (SSL) Secure Socket Layer encryption technology for everything you do in the Internet Banking system.  This technology is automatically activated by your browser when it attempts to connect to our Service.  Whenever SSL is securing your communications, the browser will typically indicate the “secure session” by changing the appearance of a small icon of a padlock at the bottom of the screen from open to locked.  What this means is that your communications are scrambled from your browser to our servers at all times so that no unauthorized party can read the information as it is carried over the Internet.

(F )
Electronic Mail (E-mail)
One way we may communicate with you is through e-mail, by sending us an e-mail or otherwise providing us with an e-mail or text message address.  We may respond to your request by e-mail, but we will never send you an e-mail to ask confidential information about your account.  Furthermore, you cannot use an
e-mail message to conduct transactions on your accounts.

(G)
Change of Email Address
You must notify us about any change in your e-mail address.  You may do so online by e-mailing us at www.sbtbanknow.com, by phoning us at 877-279-1300, by writing to us at:

Suburban Bank and Trust Company
Attn: Internet Banking
PO Box 419
Elmhurst, IL 60126

Or you can change your email address through the Internet Banking by clicking on "Options" on your Internet Banking menu.

(H)
LIMITS ON INTERNET BANKING TRANSACTIONS
You must have available funds or available credit in any account from which you instruct us to make a payment or transfer.  If any of your accounts are savings accounts or money market accounts you may make up to six (6) transfers or withdrawals by means of a preauthorized, automatic, or telephonic transfer to another account of yours or to third party during any calendar month (or statement cycle of at least four (4) weeks.)  Of these six (6), you may make no more than three (3) transfers to a third party by check, debit card, or similar order.   A preauthorized transfer includes any arrangement with us to pay a third party from your account at (1) a predetermined time; (2) on a fixed schedule or (3) upon oral or written orders including orders received through the automated clearing house (ACH).  If the transfer or withdrawal is initiated in person, by mail, or at an ATM then there is no limit on the number of payments that may be made directly to you, directly to us for amounts you owe us, or transfers to other accounts you have with us.  Withdrawals by phone are also unlimited if you are requesting that a check be mailed to you.
The specified period for savings accounts is the monthly statement period.  The kinds of withdrawals covered by this limitation are those made by means of preauthorized or automatic transfers and payments or telephone agreement.  You also agree to the Terms & Conditions of Your Deposit Account that you received when you opened your deposit account and any subsequent amendments to that agreement.

(I)
YOUR LIABILITY AND INDEMNITY
You warrant that you will perform your obligations under this Agreement consistent with all applicable Bank rules and regulations and that all information that you provide us is accurate, timely, and has been authorized by you, and in the event that you breach any of the forgoing warranties, you agree to indemnify the Bank against any loss, liability, or expense.  You agree to indemnify and hold the Bank harmless for any and all acts of any employees or persons who you grant access to or who gain access your Internet Banking account.  You consent, by execution of this Agreement, to disclosure of your customer information to those that gain access to your accounts. Use of these Services is at your own risk.  You are responsible for the installation, maintenance, and operation of your computer and browser software, anti-virus software and personal computer firewall.  The risk of error, failure, or nonperformance is your risk and includes the risk that you do not operate the computer software properly.  We make no warranty to you regarding the computer software, including any warranty of merchantability or fitness for a particular purpose. We are not responsible for any errors or failures from any malfunction of your computer or the software. We are not responsible for any electronic virus or viruses that you may encounter.  We are not responsible to any computer virus or related problems that may be associated with the use of the Services.  We have no liability to you for any damage or any other loss directly or consequential, which you may suffer or incur by reason of your use of the computer or software.  We encourage our customers to routinely scan their PC and Diskettes using a reliable anti-virus product to detect or remove any viruses.  Undetected or un-repaired viruses may destroy your programs, files and even your hardware.  Additionally you may unintentionally transmit the virus to other computers.  We also encourage our customers to purchase and employ a reliable firewall on your computer that will protect your computer from intrusion while you are connected to the Internet.  You are solely responsible for the proper installation, configuration, and maintenance of an intrusion detection system you may employ.

(J)
BUSINESS DAYS
Our Internet Banking service is generally available 24 hours a day, 7 days a week.  However, we only process transactions and update information on business days, which are Monday through Friday, excluding federal holidays. 

* Due to account processing there may be a delay when the funds will be credited to the deposit account. This feature should only be used for future dated transfers.

There may be times when the system will be unavailable due to routine system maintenance. This is usually done on the weekend at midnight, but can change due to special circumstances. If the system is unavailable for a prolonged period of time we will post a notice on our website stating the times the system is expected to be unavailable.

(K)
STATEMENTS
Statements are a valuable tool to help prevent fraudulent or mistaken transfers.  Your statement will show transactions that occurred in connect with your account during the statement period.  Your statement will provide sufficient information for you to reasonably identify the items paid (item number, amount, and date of payment).  You should keep a record of each transaction as it is made so that when we give you the information in the statement, you will have a complete understanding of each transaction listed. 

You have some responsibilities in connection with your statement.  You must examine your statement with “reasonable promptness.”  Also, if you discover (or reasonably should have discovered) any unauthorized signatures or alterations, you must promptly notify us of the relevant facts.  As between you and us, if you fail to do either of these duties, you must bear the loss entirely yourself or share the loss with us (we may have to share some of the loss if we failed to use ordinary care and if we substantially contributed to the loss).  The loss you might bear, in whole or part, could be not only with respect to items listed on the statement but also other items with unauthorized signatures or alteration by the same wrongdoer. Upon notification the Bank will open an investigation and notify you of the outcome.

You agree that the time you have to examine your statement and report to us will depend on the circumstances, but you will not, in any circumstances, have a total of more than 30 days from when we first send or make the statement available to you. 

You further agree that if you fail to report any unauthorized signatures, alterations, or any other errors in your account within 60 days of when we first send or make the statement available, you cannot assert a claim against us on any items in that statement.  This 60-day limitation is without regard to whether we exercised ordinary care.  The limitation in this paragraph is in addition to those contained in the second paragraph of this section. 
Contact us by calling our 24-Hour Automated Banking Hotline, 877.279.1300 if you do not receive your regular statement or to report any irregularities.

(L)
CHARGES FOR TRANSACTIONS
You agree to be charged for any applicable Internet Banking fees as listed in Bank's fee schedule.  We reserve the right to change our fee schedule from time to time and your account will be charged in accordance with the new fee schedule after giving you proper notification.  All Bill Payment fees will be assessed to your designated Bank checking account.

(M)
UNAUTHORIZED TRANSACTIONS OR LOSS OR THEFT OF YOUR INTERNET BANKING ID OR PASSWORD
If you believe your Internet Banking ID or Password or other means of access have been lost or stolen or that someone has used them without your authorization, call us immediately at 877-279-1300 or write to us at:

Suburban Bank and Trust Company
Attn: Internet Banking
PO Box 419
Elmhurst, IL 60126

Immediately contacting us by phone is the best way of reducing your possible losses, since not all e-mail may arrive at their destinations in a timely manner.  If you wish to send us a secure email, please click on the "Contact Us" option on our website, www.SBTBankNow.com. We will send e-mail back to you as confirmation that we did receive your communication.  Because unsecured e-mail can be intercepted and read, we strongly suggest that you use our secure email as mentioned above.  If you choose not to use our secure email we suggest you do not include any of your account or social security numbers within your e-mail.  Your name, address, daytime phone number, and a brief message description of the problem is all we will need. If you notify us of a loss, your liability for unauthorized transactions or payments will be as follows:

• If you contact us within two business days of the loss or your discovery of the loss, you can lose no more than $50.00 if someone used your Access ID and Password without your permission.
• If someone else used your Access ID and Password without your permission, you could lose as much as $500 if you do not contact us within two business days after you learn of the loss and we can prove that we could have prevented the loss if you had contacted us.
• If your statement shows transfers or payments that you did not make, notify us at once.  If you do not tell us within sixty (60) days after the first statement showing such a transfer was mailed to you, you may not get back any funds lost after the 60 days, if we can prove your contacting us would have prevented those losses.
• If you have given someone your Access ID and Password or other means of access and want to terminate that person's authority, you must change your identification number and Password or other means of access or take additional steps to prevent further access by such person.

ERRORS AND QUESTIONS
In case of errors or questions about your electronic transfers call us at:
877-279-1300

or write us at:
Suburban Bank and Trust Company
Attn: Customer Service
PO Box 419
Elmhurst, IL 60126

Notify us immediately if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt.  We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error first appeared.  (1) Tell us your name and account number.  (2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  (3) 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 (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 (90 days for new accounts or point-of-sale or foreign-initiated transfers) to investigate your complaint or question.  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 complaint or question in writing and we do not receive it within 10 business days, we may not credit your account for 30 days after the first deposit is made, if you are a new customer.  

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.

Disclosure of Account Information to Third Parties:  We may disclose information to third parties about your account or the transactions you make: (a) where it is necessary for completing transactions or resolving errors involving the Services; or (b) in order to verify the existence and condition of your account for a third party, such as a credit bureau or a merchant; or (c) in order to comply with government agency rules, court orders, or other applicable law; or (d) to our employees, service providers, auditors, collection agents, affiliated companies, or attorneys in the course of their duties and to the extent allowed by law; or (e) if you give us permission.

(N)
BILL PAYMENT SERVICES
This is your bill paying agreement with Suburban Bank and Trust and Company (SBT).

You may use Suburban Bank and Trust and Company’s Bill Pay service to direct Suburban Bank and Trust to make payments from your designated checking account to the "Payees" you choose in accordance with this agreement.  The terms and conditions of this agreement are in addition to the account agreements, disclosures and other documents in effect from time to time governing your account (The Rules and Regulations).

"You" or "Your" means each person who is authorized to use the service. "Payee" means anyone, including the Bank, you designate and the Bank accepts as a "Payee".  “SBT” or “Bank” means Suburban Bank and Trust Company.

BILL PAY ELIGIBILITY
The Bank has enacted certain eligibility standards that all customers must meet before access to the Bill Pay system will be granted.  The customer is not to exceed three times overdrawn, three days overdrawn, or three days non-sufficient funds in any checking account that could be used for Bill Pay within a six month period before the Bill Pay application is received.  If the account does not have sufficient history then the Bank will refer to ChexSystem® and/or a credit report to determine eligibility.  If the customer is denied the use of a debit card they are automatically ineligible for the Bill Pay service for a period of six months.  If the Bill Pay application is denied, the Bank, at the customer’s request, will review Bill Pay eligibility six months after the date the application was received and make a determination if access to the Bill Pay services will be granted at that time.  The Bank reserves the right to deny access to the Bill Pay service if the service is abused by the customer.  If the service is to be deactivated the customer will send notice by U.S. mail as to the deactivation date.  It is the customer’s responsibility to make other arrangements for payments if deactivation of Bill Pay will occur.
The Bank will not be held liable for any missed payments and/or fees due to deactivation of the Bill Pay services.

HOW TO SET UP PAYEES/PAYMENTS

• If you want to add a new "PAYEE", select the "Payee" tab located in your Bill Pay application or speak to a service representative.
• You may add a new fixed payment to a "Payee" by accessing the service and entering the appropriate information.  Most other additions, deletions, or changes can be made in writing or by using the service.
• The Bank reserves the right to refuse the designation of a "Payee" for any reason.
• You may pay any "Payee" within the United States (including U.S. territories and Army Post Offices).
• The Bank is not responsible for payments that can not be made due to incomplete, incorrect, or outdated information.

THE BILL PAYING PROCESS
Single Payments - a single payment will be processed on the business day (generally Monday through Friday, except federal holidays) that you designate as the payment’s process date, provided the payment is submitted prior to the daily cut-off time on that date.  The daily cut-off time, which is controlled by the Bank,
is currently 2:00 p.m.
Please note: if there is a large volume of payments to be processed the cutoff time may be earlier than 2:00p.m. This may occur without prior notification.

A single payment submitted after the cut-off time on the designated process date will be processed on the next business day.  If you designate a non-business date (generally weekends and federal holidays) as the payment’s process date, the payment will be processed on the first business day following the designated process date.

Recurring Payments - When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a process date is calculated for the next occurrence of the payment. If the calculated process date is a non-business date (generally weekends and federal holidays), it is adjusted based upon the following options:

• If the recurring payment‘s "Pay Before" option is selected, the process date for the new occurrence of the payment is adjusted to the first business date prior to the calculated process date.
• If the recurring payment’s "Pay After" option is selected, the process date for the new occurrence of the payment is adjusted to the first business date after the calculated process date.

Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated process date, then the last calendar day of that month is used as the calculated process date.

SINGLE AND RECURRING PAYMENTS
The system will calculate the Estimated Arrival Date of your payment.  This is only an estimate.  As a rule of thumb please allow at least five (5) business days, prior to the due date, for your payments to reach your "Payees".

CANCELLING A PAYMENT
A bill payment can be changed or cancelled, anytime prior to the cutoff (2:00 p.m.) time on the scheduled process date.  

AVAILABLE FUNDS
You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill payments requested, as well as, any other payment obligations you have to the Bank.

• The Bank reserves the right, without liability, to reject or reverse a bill payment if you fail to comply with the above requirement or any other term of this agreement.
• If you do not have sufficient funds in the account and the Bank has not exercised its right to reverse or reject a bill payment, you agree to pay for such payment obligations on demand.

You further agree the Bank, at its option, may charge any of your accounts with the Bank to cover such payment obligations.

LIABILITY

• You are solely responsible for controlling the safekeeping of and access to your Internet Banking Access ID and Password.
• You are liable for all transactions you make or that you authorize another person to make even if that person exceeds his or her authority.
• If you want to terminate another person's authority, you must notify the Bank and change your Access ID and Password.
• You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment.
• The Bank is not responsible for a bill payment that is not made if you did not properly follow the instructions for making a bill payment.
• The Bank is not liable for any failure to make a bill payment if you fail to promptly notify the SBT after you learn that you have not received credit from a "Payee" for a bill payment.
• The Bank is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be the Bank’s agent.
• In any event, the SBT will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this agreement or the service, even if the SBT has knowledge of the possibility of them.
• The Bank is not liable for any act, failure to act or delay in acting if it is caused, in whole or in part, by any cause beyond the Bank’s reasonable control.

TERMINATION OF BILL PAY SERVICE
Suburban Bank and Trust has the right to change the Bill Pay agreement at any time by notice mailed to you at the last address shown for the account on the Bank's records, by posting notice in branches of the Bank, or as otherwise permitted by law.

• The Bank has the right to terminate the Bill Pay agreement at any time:
• You may terminate this agreement by written notice to the Bank:
• The Bank is not responsible for any fixed payment made before the Bank has a reasonable opportunity to act on your termination notice:
• You remain obligated for any payments made by the Bank on your behalf.

SERVICE FEES
Bill Payment Service is provided free of charge providing the service is utilized at least once during the bill payment cycle.  After three (3) consecutive months of bill payment inactivity, the Bank will assess a fee of $4.95 per month to your designated account.  See the Service Charge Schedule for current fees that may apply to your accounts.  The Bank reserves the right to charge you for research time.  You will be informed of any such charges before they are incurred.

When a payment you have scheduled is processed (see "The Bill Paying Process"), funds sufficient to cover the payment are removed from your account with the Bank for transmittal to the designated Payee.  In lieu of fees in (addition to those listed herein), once the funds are removed for processing, you will no longer earn, receive, or otherwise be entitled to any interest, dividends, or other return on, or compensation for, the funds removed.

You will be informed of any such charges before they are incurred.  Bill payments are processed by Electronic Fund Transfers (EFT).  Please see the Electronic Fund Transfer disclosure you received when you opened your account, which identifies important information concerning your rights and obligations.

(O)
CUSTOMER USAGE AND RESPONSIBILITIES
The customer warrants and covenants that he/she will use the Bank's Internet services for consumer, personal, or household purposes.  The customer acknowledges that changes in technology, software, Bank policies and procedures, or other developments may require modifications of (or new or additional) customer hardware which you will be solely responsible for upgrading, at your sole cost and expense, if you desire to make continued use of the Bank's Internet services.

(P)
DISCLAIMER OF WARRANTY
Suburban Bank and Trust Company makes no warranties or representations with respect to Internet services, program, expressed or implied, including but not limited to implied warranties or fitness for a particular purpose.

(Q)
MISCELLANEOUS
Any required notice or other communication will be addressed and delivered to you, the customer, at the address on file with the Bank, or via electronic mail.
You, the customer, are responsible for notifying the Bank of any change in physical, mailing, or e-mail address.

(R)
OTHER GENERAL TERMS
This Agreement is intended to supplement and not to replace other agreements between you and us relating to your accounts, including, without limitation, our Deposit Account Rules, ACH Agreements and Wire Transfer Agreements.  In the event of a conflict between this Agreement and any other account rules and agreements that apply to your accounts or the functions performed using
"Personal Online Banking", this Agreement shall govern and prevail.

(S)
Withdraw of Internet Banking Services
You have the right to your Internet Banking at any time and at no cost to you.  If you withdraw, we will terminate your access to Internet Banking, Bill Pay, and other online services.  Further, if you withdraw from the Internet Banking services, your bank statements will no longer be available online.  Rather, we will begin to mail paper copies to you.

If you wish to cancel your Internet Banking and/or Bill Pay service(s) you may do so by contacting the bank by phone at 877-279-1300, or write to us at:

Suburban Bank and Trust Company
Attn: Internet Banking
PO Box 419
Elmhurst, IL 60126

Additionally, if you do not use the online banking service for any consecutive six month period we may terminate your online banking service.

We recommend that you print a copy of this agreement for your records.

I have read and ACCEPT the Terms of SBT’s Personal Internet Banking Agreement and Disclosure Statement.