WoodTrust Bank Website Terms and Conditions

Effective Date: October 2026

Welcome to the WoodTrust Bank website (“Website”). By accessing or using this Website, you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree to these Terms, please do not use this Website.

  1. Acceptance of Terms

These Terms apply to all visitors, users, and others who access or use the Website. Your use of the Website constitutes acceptance of these Terms and any applicable policies referenced herein, including our Privacy Policy.

  1. Informational Purposes Only

The information provided on this Website is for general informational purposes only. Although WoodTrust Bank strives to keep information current and accurate, we make no warranties regarding the completeness, accuracy, or timeliness of information provided on the Website.

Information on this Website should not be considered legal, tax, financial, investment, or accounting advice. Customers should consult qualified professionals regarding their individual circumstances.

  1. No Offer or Commitment

Information regarding products, services, rates, fees, promotions, and other offerings is subject to change without notice and does not constitute a binding offer. All products and services remain subject to eligibility requirements, approval, and applicable account agreements.

  1. Intellectual Property

All Website content, including text, graphics, logos, icons, images, videos, documents, designs, and software, is owned by or licensed to WoodTrust Bank and is protected by applicable intellectual property laws.

You may view, download, and print materials from this Website for your personal, non-commercial use only. You may not reproduce, distribute, modify, transmit, republish, display, or create derivative works from Website content without prior written consent from WoodTrust Bank.

  1. Prohibited Use

You agree not to:

  • Use the Website for any unlawful or fraudulent purpose.
  • Attempt to gain unauthorized access to any portion of the Website, systems, networks, or data.
  • Introduce viruses, malware, ransomware, or other harmful code.
  • Interfere with the operation, security, or functionality of the Website.
  • Misrepresent your identity or affiliation with any person or organization.
  • Use automated systems, bots, scraping tools, or other methods to collect Website content or information without authorization.
  1. Third-Party Websites

This Website may contain links to third-party websites for your convenience. WoodTrust Bank does not control and is not responsible for the content, security, privacy practices, products, services, or availability of third-party websites.

When you leave the WoodTrust Bank Website, you are subject to the terms, conditions, and privacy policies of the third-party website.

  1. Online Banking and Other Services

Use of Online Banking, Mobile Banking, Bill Pay, and other electronic banking services is governed by separate agreements, disclosures, and applicable laws. Those agreements supplement these Terms and will control in the event of any conflict regarding those services.

  1. Website Availability

WoodTrust Bank reserves the right to modify, suspend, restrict, or discontinue any portion of the Website at any time without notice.

While we strive to provide continuous access to the Website, we do not guarantee uninterrupted, secure, or error-free operation and are not liable for delays, interruptions, or technical issues beyond our reasonable control.

  1. Disclaimer of Warranties

This Website is provided on an “as is” and “as available” basis.

WoodTrust Bank disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

WoodTrust Bank does not warrant that the Website will be error-free, uninterrupted, secure, or free of viruses or other harmful components.

  1. Limitation of Liability

To the fullest extent permitted by applicable law, WoodTrust Bank shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from or related to:

  • Use of or inability to use the Website;
  • Reliance on information contained on the Website;
  • Unauthorized access to information or systems;
  • Service interruptions, delays, or technical failures;
  • Viruses, malware, or other harmful code.

Nothing in these Terms is intended to limit rights or remedies that cannot be excluded under applicable law.

  1. Privacy

Your use of this Website is also subject to the WoodTrust Bank Privacy Policy, which describes how information may be collected, used, shared, and protected.

  1. Electronic Communications

By communicating with WoodTrust Bank through website forms, email, text messages (SMS), chat features, or other electronic means, you acknowledge that such communications may not be secure unless expressly stated otherwise.

Customers should not submit account numbers, Social Security numbers, passwords, PINs, debit card numbers, online banking credentials, or other sensitive information through unsecured email, text messages, chat features, or website forms unless specifically instructed by WoodTrust Bank through a secure method.

  1. Text Messaging (SMS)

If you elect to receive text messages from WoodTrust Bank, including account alerts, fraud notifications, appointment reminders, service updates, or other banking-related informational messages, you consent to receive such communications at the mobile phone number you provide.

Message and data rates may apply based on your mobile carrier’s plan. Message frequency may vary.

Text message delivery is subject to effective transmission by your mobile carrier and may be delayed or unavailable due to factors outside of WoodTrust Bank’s control. WoodTrust Bank is not responsible for delayed, undelivered, or misdirected text messages.

Customers may opt out of non-mandatory text messaging programs by following the instructions provided in the applicable text message or program enrollment materials. Opting out of certain text message services may affect your ability to receive account alerts, fraud notifications, or other important communications.

Customers should not send account numbers, Social Security numbers, passwords, PINs, online banking credentials, debit card numbers, or other sensitive information through text messages unless specifically instructed to do so by WoodTrust Bank through a secure method.

Text messaging services may be subject to additional disclosures, agreements, customer consents, and applicable laws and regulations.

  1. Accessibility

WoodTrust Bank is committed to providing an accessible digital experience for all users. We continually work to improve the usability and accessibility of our Website.

If you experience difficulty accessing information on this Website or encounter an accessibility barrier, please contact us so we can provide assistance and work to improve accessibility.

  1. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Wisconsin and applicable federal laws of the United States, without regard to conflict of law principles.

  1. Changes to These Terms

WoodTrust Bank reserves the right to modify these Terms at any time. Any changes will become effective upon posting to this Website. Your continued use of the Website after changes are posted constitutes acceptance of the revised Terms.

  1. Contact Information

Questions regarding these Terms and Conditions may be directed to:

WoodTrust Bank
P.O. Box 8000
Wisconsin Rapids, WI 54495-8000

Phone: 715-423-7600
Website: www.woodtrust.com