Terms and Conditions

Terms and Conditions

Access to or use of the LWI Bank web site constitutes consent to the following terms:

LWI Bank has taken reasonable measures to ensure that the information and data presented on this web site is accurate, current and subject to change. However, LWI Bank makes no express or implied warranty regarding such information or data, and hereby expressly disclaims all legal liability and responsibility to persons or entities who use or access this site and its content, based on their reliance on any information or data that is available through this web site. The information available on this web site is not intended to constitute and should not be considered as legal advice, nor is it intended to substitute for obtaining legal advice from competent, independent, legal counsel in the relevant jurisdiction.

Your use of this website is governed by Minnesota and applicable federal law. Your use of the hyperlinks on this website to other internet sites is at your own risk. LWI Bank is not responsible for the content of third party sites hyperlinked from this page, nor does it guarantee the products or services offered on third party sites. You should review the privacy statement of a website before you provide personal or confidential information.

LWI Bank offers Online Service (NetTeller) to all existing account and loan customers. Your browser must have 128-bit encryption to use Online Service. NetTeller’s supported browsers include the three most current releases of Microsoft Internet Explorer (IE), Firefox, Safari (Apple/Mac users only) and Google Chrome. Customers of LWI Bank must complete an application with name and account numbers they would like included with Online Service. This authorization must be signed by an account holder. LWI Bank will verify the accounts listed are correct and the validity of the individual signing the application as an account holder. The NetTeller ID will be assigned to the customer and a letter is sent to the customer with their access information. The NetTeller system will automatically lock the account after 3 failed login attempts. Online Service customers will need to contact a bank representative to get the account unlocked and reestablish the access information. Multifactor Authentication is in place with security questions to identify access. NetTeller ID’s that have not been utilized for greater than 90 days may be removed from the system at LWI Bank’s discretion.

LWI Bank products and services are offered to residents and businesses of Massachusetts, New York, Connecticut, Vermont, New Jersey and Pennsylvania.

Insurance and investment products: (1) are not deposits of LWI Bank; (2) are not insured or guaranteed by the FDIC or any other government agency; (3) are not obligations of, or guaranteed by, any financial institution; and (4) involve investment risks, including the potential for fluctuations in investment return and the potential loss of principal. LWI Banc Investment Services Inc. securities are offered through Commonwealth Financial Network, member NASD/SIPC a registered investment advisor.

LWI Bank does not assure any adequacy, accuracy, completeness or timeliness of the information, materials, products or services on this website or the errorless use of this website. All information, products and services are furnished “as is” or “as available.” No warranty of any kind, whether express or implied, including, but not limited to, the warranties of non-infringement of any third party rights, title, merchantability, or fitness for a particular purpose and freedom from computer virus is given in conjunction with the information, materials, products and services.

The LWI Bank, LWI Hills Bancorp, LWI Banc Investment Services, Inc. and LWI Insurance Group, Inc. name, logo and tag lines, in addition to other phrases contained in the LWI Bank website, are trade and service marks. Photographs and artwork are the sole property of the bank and may not be reproduced in any form.

The content of this web site is not designed or intended to provide authoritative financial, accounting, investment, or other professional advice which may be reasonably relied on by its readers. If expert assistance in this area is required, the services of a qualified professional should be sought.

Reference to any specific commercial product, process, or service by trade name, trademark, manufacture, or otherwise does not constitute an endorsement, a recommendation, or a favoring by LWI Bank.

The LWI Bank web site provides links to other web sites for convenience and informational purposes only. Users should be aware that when they select a link on the LWI Bank's web site to an external web site, they are leaving the LWI Bank’s site. Linked sites are not under the control of LWI Bank, and LWI Bank is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. LWI Bank is not responsible for any transmission received from a linked site. The inclusion of a link does not imply endorsement by LWI Bank of the site, its content, advertisers or sponsors. External sites may contain information that is copyrighted with restrictions on reuse. Permission to use copyrighted materials must be obtained from the original source and cannot be obtained from the LWI Bank.

LWI Bank shall not be liable for any damages, losses or liabilities, whether direct or indirect, in connection with your use of this website, or your reliance on the use of the information, materials, products and services on this website. LWI Bank will not be liable in connection with any failure of performance, error, omission, interruption, defect, delay, computer virus, or line of system failure, even if you have advised LWI Bank of the possibility of such event.

The information, materials, products and services on this website are subject to change without notice. Your eligibility for particular products or services is subject to the approval processes by LWI Bank. No solicitation is made by LWI Bank to any person for the use of any information, materials, products or services in any jurisdiction where the provision of such information, materials, products and services is prohibited by law.

We employ software security programs to monitor network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage. Such attempts are strictly prohibited and may be punishable under the Computer Fraud and Abuse Act of 1986 and the National Information Infrastructure Protection Act. Except for authorized law enforcement investigations, no other attempts are made to identify individual users or their usage habits.

This general disclaimer is in addition to, and not in lieu of, any other disclaimers found on pages, applications or programs within this site. In addition, the terms of this disclaimer extend to LWI Bank, its directors, officers, and employees.

 

Welcome to Lerynne West Investment Bank

First, we are locally owned and managed. Decisions are made by people who know you, and care about your needs. We are your neighbors. As a result, you gain from our knowledgeable and responsive service and true understanding of what this community needs. If you want a bank where customers are known by name and made to feel welcome as soon as they come in the door, we are the bank you’re looking for. When one of our staff says, "May I help you?" they really want to help you. Second, our mission is to help you attain financial success. At LWI bank, it begins with the customer, his or her wants and needs. All of a family's financial events, from the household checking account to a home loan to retirement funds, will be as important to the bank as they are to the family. Our products and services are tailored to meet your needs. Again, there is on-site control over all services, products, loan approvals, and interest rates. We can do loan approvals and set our rates and fees right here. We don't have to get approvals from a corporate office somewhere else. And we don't have the bureaucracy or overhead that big banks do, so we can pass the savings on to you.