Please read the following important e-mail disclosure:  

Twin Oaks Savings Bank recognizes e-mail as a simple and cost effective method of communication, however requests and inquiries requiring immediate attention should NOT be sent by e-mail.  A bank representative may not be able to immediately review your e-mail message.  E-mail messages will not serve as a sufficient method for any requirement imposed on you to provide written notice, nor may any e-mail messages be used to place a stop payment on a check, a bill payment, request account transfers, or report lost or stolen banking codes, cards or checks. 

Private, personal, and account information such as account numbers, passwords, PINs or Social Security Numbers should NOT be sent by e-mail.