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Allowing phone companies to block by default illegal or unwanted calls based on reasonable call analytics before the calls reach you. Allowing phone companies to provide consumers with tools to block calls from any number that doesn't appear on a customer's contact list or other "white list." Banning malicious caller ID spoofing of text.

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    At least $100,000 must be "new funds" which means not on deposit at DMB Community Bank within the past 30 days. Penalty for early withdrawal. Rates subject to change without notice. ... If you cannot be reached by text message, you will receive a phone call to verify the transaction. For additional information regarding this new card feature.