Queensborough National Bank & Trust offers an SMS program to provide information and account servicing details. These Terms and Conditions are in addition to, and do not supersede or replace, any other agreements applicable to any of your accounts with us. By your use of the Short-Code Messaging Service (the “SMS Service”, “Service” or “Services”), you agree to the following terms and conditions:
- Definitions. In this SMS Service Terms and Conditions, the words “you,” “your,” and “yours” mean any individual using the text/messaging service. The words “we,” “us,” “our” and “Bank” mean Queensborough National Bank & Trust.
- Agreement. The Bank’s Services are intended to provide informational and transactional text messages regarding our products and services. By providing your valid cellular telephone number, you have provided us with consent to send you text messages in conjunction with the services we provide. Your cellular provider’s message and data rates may apply to our confirmation message and all subsequent messages. You understand the text messages we send may be seen by anyone with access to your device. Accordingly, you should take steps to safeguard your device and your text messages if you want them to remain private. Please notify us immediately if you change mobile numbers or plan to provide your device to another person. It is your responsibility to determine whether your communications service provider or your device supports the messages provided by the Services as not all prepaid phones or service plans allow these messages.
- Fees. We do not charge or impose a fee of any kind for your access to or use of the Service. However, you are responsible for any and all charges, including, but not limited to, fees otherwise applicable to your account(s) and fees associated with text messaging imposed by your communications service provider. Standard message and data charges may apply to each text sent or received. Message frequency may vary. The Bank nor your mobile communications service provider are liable for delayed or undelivered text messages. Please contact your mobile communications service provider for pricing plans.
- How to Opt-Out. If you wish to stop receiving text messages from our Service, reply “STOP” at any time. You will receive a confirmation text message that you have been unsubscribed.
- Amendments. The Bank may revise, modify, or amend these Terms and Conditions at any time, without notice, except as required by law. Any revision, modification, or amendment shall be effective when it is posted to our website (Privacy, Security & Policies | Queensborough National Bank & Trust Co.). You agree to review these Terms and Conditions periodically to ensure that you are aware of any changes. Your continued use of the Service after the Terms and Conditions have been modified shall constitute your acceptance of those changes.
- Termination. We may suspend or terminate your access to the Service if we believe you have breached these Terms and Conditions or your Account Agreement. Your receipt of Bank text messages is also subject to termination should your mobile telephone service terminate or lapse. We reserve the right to modify or discontinue all or any part of the Service, with or without notice. We may cancel or restrict your use of the Bank text messaging services or terminate any and all Bank text messaging services at any time, without notice to you.
- Security. Text messages to the Bank numbers are not encrypted. Please do not send any sensitive or non-public personal information to the Bank via the Service. No representative of the Bank will ever ask you to do this. If you receive a text message purported to be from the Bank that requests you send a text with sensitive or non-public personal information, please do not respond to it. Notify us immediately by telephone at (855) 762-8669.
- Disputes. You agree that any action, dispute, claim, or controversy of any nature between you and the Bank arising from or related to the Service will be subject to and resolved in accordance with the terms of the Bank’s Account Agreement as applicable to your account.
- Privacy. The Bank values your privacy. To review our Privacy Notice, please visit our website: Privacy, Security & Policies | Queensborough National Bank & Trust Co..
- Contact Us. If you have questions or concerns, please contact us at:
Queensborough National Bank & Trust Company
Address: 113 East Broad Street, Louisville, Georgia 30434
Email: customerservice@qnbtrust.bank
Phone: (855) 762-8669
Revised September 14, 2026