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Terms of Use

Last Updated

October 15, 2019

Site Access

DR Bank is a Connecticut state-chartered bank. DR Bank conducts local banking and lending activities in the state of Connecticut.

By accessing this web site and any pages hereof, you agree to be bound by the terms and conditions below.

The site is operated in the state of Connecticut. The site can be accessed from all 50 states and the District of Columbia. As each of these states has laws that may differ from those of Connecticut, by accessing this site, both you and DR Bank agree that the statutes and laws of the State of Connecticut, without regard to conflicts of laws and principles thereof, will apply to all matters arising from or related to use of this site.

The design, text and images of this web site are owned or licensed by DR Bank. DR Bank grants you limited license to access, print, e-mail, download or otherwise make personal use of its content for your noncommercial use.

Circumstances beyond DR Bank’s control including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of DR Bank’s website may occasionally make the site unavailable. Data transmissions may be interrupted, and DR Bank may offer links to other sites whose content DR Bank is unable to monitor. As a result, your access and use of the DR Bank website may be interrupted from time to time.

The DR Bank site may sometimes be inaccessible or may not function properly with your web browser or operating system. DR Bank cannot be held liable for any damages that may arise from content, operation, or use of this website. In addition, you are responsible for obtaining and maintaining all access services and equipment services needed to access and use the DR Bank website, and all costs and fees associated with the same.

For assistance with web content accessibility, contact us at (800)361-5363.

Consent to Contact

By utilizing this site and associated applications, you agree we and/or a third-party may contact you by telephone or text message at any telephone number associated with your account, including wireless telephone numbers which could result in charges to you, in order to service your account. You further agree that methods of contact may include use of pre-recorded messages, and/or use of an automatic dialing device. If you provided a wireless telephone number(s), you represent and agree you are the wireless subscriber or customary user with respect to the wireless telephone number(s) provided and have the authority to give this consent. Furthermore, you agree to notify us of any change to the wireless telephone number(s) for which you are providing your consent to be contacted.

In order to help mitigate harm to you and your account, we may contact you on any telephone number associated with your account, including a wireless telephone number, to deliver you any messages to facilitate identity protection. This can include messages to request validation, communicate suspected or actual fraudulent activity on your account, and notify you of data security breaches or potential identity theft following a data breach. These contacts will not contain any telemarketing, cross-marketing, solicitation, advertising or debt collection message of any kind. The contacts will be concise and limited in frequency as required by law. You will have the opportunity to opt-out of these communications at the time of delivery.

SMS Notifications

As used in this disclosure, SMS Notifications means any SMS (text message) communication from us to you pertaining to your account, including, but not limited to, status updates, requests for information, reminders and marketing material.


You may withdraw your consent to receive SMS Notifications by texting STOP to the message you receive. You may also withdraw your consent by calling (800)361-5363. Any withdrawal of your consent to use SMS Notifications will be effective only after we have a reasonable amount of time to process your request.

For HELP with this Site

To request additional information, text HELP to the message you receive or contact us by phone at (800)361-5363.

How to Update Your Records

It is your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. You can update your mobile number by calling (800)361-5363 or email support@drbank.com.

Hardware and Software Requirements

To receive SMS notifications, you must have

– an SMS-capable mobile phone

– an active mobile phone account with a communication service provider that offers SMS services

– sufficient storage capacity on your mobile phone


There are no charges for SMS notifications by DR Bank, but you are responsible for any and all charges, including, but not limited to, fees associated with text messaging, imposed by your communications service provider. Consult your mobile service carrier’s pricing plan to determine the charges for sending and receiving text messages. These charges will appear on your mobile phone bill.

Other Important Terms

Additionally, you agree that we may send any SMS notification through your communication service provider in order to deliver them to you. You agree to provide a valid mobile phone number for these services. You further agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys’ fees) arising from your provision of a mobile phone number that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of the Agreement.

We will not be liable for losses or damages arising from any delay in delivery or disclosure of account information to third parties by your communication provider.

We may modify or terminate our text messaging services from time to time, for any reason, and without notice, including the right to terminate text messaging with or without notice, without liability to you, and other user or a third party.