Include in the message your name, address, telephone number and a
brief description of the problem. All E-mail requests will be
answered by close of the next business day.
5. Charges for Transactions
Depending on which service you subscribe to, you will be charged the
applicable On-line banking monthly fee. For a listing of fees
contact us. We reserve the right to change our fee schedule from
time to time and to charge your account, in accordance with the fee
schedule that will be provided to you, prior to assessment.
6. Record of Transaction
You will receive a monthly statement showing the status of your
account(s), transactions made during the past month, and any
charges, which we may impose, for such services or transactions.
7. Error Resolution Notice
In case of errors or questions about your electronic transfers,
call or write us at the telephone number or address listed in the
disclosure, as soon as you can, if you think the statement or
receipt is wrong or if you need more information about a transfer
listed on the statement or receipt. We must hear from you no later
than 60 days after we sent the FIRST statement on which the problem
or error appeared.
1. Tell us your name and account number (if any).
2. Describe the error or the transfer you are unsure
about, and explain as clearly as you can why you believe it
is an error or why you need more information.
3. Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your
complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business
days (five business days if the transfer involved a point-of-sale
transaction and 20 business days if the transfer involved a new
account) after we hear from you and will correct any error promptly.
If we nee more time, however, we may take up to 45 days (90 days if
the transfer involved a new account, a point-of-sale transaction, or
a foreign-initiated transfer) to investigate your complaint or
question. If we decide to do this, we will credit your account
within 10 business days (five business days if the transfer involved
a point-of-sale transaction and 20 business days if the transfer
involved a new account) 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. Your account is considered a
new account for the first 30 days after the first deposit is made,
unless each of you already has an established account with us before
the account is opened.
8. Liability for Unauthorized Transfers/Transactions
CONTACT THE BANK IMMEDIATELY if you believe your Login Codes have
been lost or stolen. Change your password and contact us.
If you notify us of a loss, your liability for unauthorized
transfers or payments will be as follows:
If you contact us within two business days of the loss or your
discovery of the loss, you can lose no more than $50.00 if someone
used your Login Codes without your permission.
If someone used your Login Codes without your permission, you could
lose as much as $500 if you do not contact us within two business
days after you learn of the loss and we can prove that we could have
prevented the loss if you had contacted us.
Also, if your monthly statement shows transfers or payments that you
did not make and you do not contact us within 60 days after the
statement was mailed to you, you may not get back any funds lost
after the 60 days, if we can prove that your contacting us would
have prevented those losses.
9. Your Liability
You agree to the terms of this On-line Banking Disclosure and the
schedule of fees that may be imposed. You authorize us to deduct
these fees as accrued directly from your account balance. You are
liable for all transactions that you authorize. If you have given
someone your Internet Banking Login Codes or other means of access
and want to terminate that person's authority you must change your
identification number and password and make the Bank aware of your
intentions in writing.
10. Account Restrictions
Your name must appear in the legal title to make transfers between
accounts or to initiate bill payments. You may not transfer between
accounts with legal or signature restrictions. However, an account(s)
may be viewed if you are an authorized signer on the account(s).
11. Limits on On-line Banking Transactions
All transactions performed through our On-line Service will be
considered a Pre-authorized Electronic Funds Transfer.
12. Our Liability for Failure to Complete Payments or Transfers
If we fail to complete a transaction on time or in the correct
amount, when properly instructed by you, we will be liable for
damages caused by our failure unless:
the account has been closed or is not in good standing.
your equipment or ours was not working properly and the breakdown
should have been apparent to you when you attempted to conduct the
you have not given us complete, correct or current account numbers
or other identifying information so that we can properly credit your
account or otherwise complete the transaction.
you do not properly follow our instructions or if you provide us
with wrong or inaccurate information or fail to correct or tell us
about any inaccuracy of which you are aware.
you do not instruct us soon enough for your payment or transfer to
be received and credited by the time it's due.
the funds in the account from which a payment or transfer is to be
made is subject to legal process or other claims restrict the
circumstances or persons beyond our control prevent, delay,
intercept or alter the transaction, despite reasonable precautions
that we have taken.
there are insufficient funds in your account to complete the
we have reason to believe that the transaction requested is
the failure was caused by an act of God, fire, or other catastrophe,
or by an electrical or computer failure or by other causes beyond
In any case, we shall only be liable for actual proven damages if
the failure to make the transactions resulted from a bona fide error
despite our procedures to avoid such error.
13. Change of Terms
We reserve the right to amend or terminate the services offered from
time to time and we will notify you a minimum of 30 days prior to
any change by written notice to your last known address.
14. Waiver of Agreement
Any waiver of any term of this Agreement by us on occasion will not
prevent us from asserting our rights to these terms in the future.
You may terminate the Agreement and your On-line Banking Service at
any time upon giving written notice of the termination to us. If you
terminate, you authorize us to continue making transfers and bill
payments you have previously authorized until we have had a
reasonable opportunity to act upon your termination notice. Once we
have acted upon your termination notice, we will make no further
transfers or payments from your account If we terminate your use of
your subscribed On-line Service, we reserve the right to make no
further transfers or payments from your account, including any
transaction you have previously authorized.
16. Disclosure of Account Information
We will disclose information about your account or the transactions
you make to third parties:
where it is necessary to complete transactions;
to verify the existence and standing of your account with us upon
the request of a third party, such as a credit bureau;
in accordance with your written permission;
in order to comply with court orders or government or administrative
agency summonses, subpoenas, orders, examinations and escheat
on receipt of certification from a federal agency or department that
a request for information is in compliance with the Right to
Financial Privacy Act of 1978.
17. Our Policy and Pricing Guide and Terms and Conditions on
Deposit Accounts are available at our banking office upon request.
A FULL SERVICE BANK - ACCOUNTS INSURED TO $250,000.00 BY FDIC