Consumer Protection

Adams Dairy Bank takes great care to ensure your identity remains safe.

Under what circumstances will we contact you and request your online banking credentials?

No one from Adams Dairy Bank will ever email or call and ask for your online banking credentials. If someone calls or emails you requesting your credentials, no matter what the story is (you’re on the verge of being locked out, you session will crash any minute, the sky is falling), take their name and number and tell them you’ll call them back. Then call us at 816.655.3333. We’ll be glad to confirm if the call is legitimate.

However, if you are having difficulty signing in and call us for help, we may ask for your User ID or assist you with resetting your password.

What do I do if I think I have a security issue?

Give us a call us at 816.655.3333. Someone is available between the hours of 7:00 AM and 6:00 PM for assistance.

Reporting Unauthorized Transactions.

If you believe that an unauthorized transaction has been or may be conducted from one of your eligible personal or non-personal Adams Dairy Bank accounts without your permission, call 816.655.3333 or write 651 NE Coronado Drive, Blue Springs, MO  64014. If you do not report unauthorized transactions that appear on any of your periodic statements within 60 days after such statements are mailed or electronically transmitted to you, you risk unlimited losses on transactions made after the 60-day period if we can prove that we could have prevented the unauthorized use had we been notified within this 60-day period.

To report an error or an unauthorized transaction, you must provide us with the following information:

  • Tell us your name and account number(s)
  • Describe the suspected error or the nature of the problem, or describe what information you need
  • Tell us the dollar amount of the suspected error

CONSUMER CUSTOMERS: We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Where can I find more information?

You can visit the following websites to learn more about how to protect your personal or business accounts.

To find out if you’re using the most up to date version of Microsoft Windows (the latest versions offer some anti-virus and firewall protection) go the Microsoft Safety & Security Center. For an Apple Mac go to MacOS X: Updating your Software.

Identity Theft

Identity theft continues to be one of the fastest growing crimes in the United States, and has ranked as one of the top consumer concerns for the past several years. The Federal Deposit Insurance Corporation (FDIC) has produced a multimedia presentation to help consumers protect themselves from identity theft.
FDIC Consumer Resources
FTC Identity Theft

Fraud Protection
Provides practical tips from the federal government and the technology industry to help you be on guard against internet fraud, secure your computer, and protect your personal information.

Reporting Suspected Fraud
The Financial Fraud Enforcement Task Force maintains a wide list of resources and information dedicated to helping find and report suspected cases of financial fraud.


The Anti-Phishing Working Group (APWG) is the global pan-industrial and law enforcement association focused on eliminating the fraud and identity theft that result from phishing, pharming and email spoofing of all types.