Internet Banking Agreement & Disclosure
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- Charlotte Blankenship
- 8 years ago
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1 Internet Banking Agreement & Disclsure Please read this agreement carefully befre cntinuing. Intrductin This Internet Banking Agreement and Disclsure gverns yur use f Internet Banking. Thrughut this web site the Agreement and Disclsure will be referred t as "Agreement". By using Internet Banking, yu agree t all f the terms f this Agreement. Please read it carefully and keep a cpy fr yur recrds. Definitins Yu r Yur - The persn(s) subscribing t r using Internet Banking. First Natinal Bank f Brkfield, We, Us,, r Our - Refers t First Natinal Bank f Brkfield and any branch, agent, independent cntractr, designee, r assignee First Natinal Bank f Brkfield may invlve in the prvisin f Internet Banking. Business Day - Any calendar day ther than Saturday, Sunday, r any hlidays recgnized by First Natinal Bank f Brkfield. Bill payments are prcessed n all business days that bth the Federal Reserve Bank and the US Pstal System are perating and pen fr business. Business Day Cut-Off- First Natinal Bank f Brkfield primary banking ffice is lcated in Brkfield, IL and lcated in the Central Time zne. Fr psting purpses, the bank will prcess all transactins cmpleted by 6:00PM n that business date. Transactins cmpleted after 6:00PM, including transfers, will be prcessed n the fllwing business day. Privacy Statement - First Natinal Bank f Brkfield understands hw imprtant privacy is t ur custmers. We have taken steps t insure yur security and privacy fr yur persnal and financial dealings with the bank. Our custmer privacy statement can be btained by clicking n the fllwing link Privacy Statement. Abut Internet Banking First Natinal Bank f Brkfield s Internet Banking cnsists f an nline banking web site that prvides a cmplete array f financial services t its custmers. The Internet Banking system that is accessible by First Natinal Bank f Brkfield's custmers ver the Internet currently cnsists f: Accunt Inquiries, balances, rates, etc. Online Help Transactin Dwnlads Accunt transfers Secure Applicatins View Detailed Transactins Varius bkkeeping services Payments t ur lan accunts Fr custmers wh select Bill Payment, these additinal functins are available: One-time Payments Occasinal Payments Fixed Recurring Payments Variable Recurring Payments Special cmmercial services may als be ffered t certain business accunts. Internet Security Infrmatin First Natinal Bank f Brkfield s Internet Banking system is part f the Fiserv Netwrk that utilizes a cmprehensive security strategy t prtect yur accunts and transactins cnducted ver the Internet. In-depth infrmatin n many f the techniques and features emplyed by the system can be requested cntacting ur Internet Department via at bank@fnbb.cm. In additin t ur lg-n security, we use the SSL (secure scket layer) encryptin technlgy fr everything yu d in the Internet Banking system. This technlgy is autmatically activated by yur brwser when it attempts t cnnect t ur system and it will supprt 128 bit key lengths. Whenever SSL is securing yur cmmunicatins, the brwser will typically indicate the "secure sessin"
2 by changing the appearance f a small icn f a padlck at the bttm f the screen frm pen t lcked. What this means t yu is that yur cmmunicatins are scrambled frm yur brwser t ur servers at all times s n unauthrized party can read the infrmatin as it is carried ver the Internet. In additin, ur servers have been certified by a "Certificate Authrity" that will assure yu that yu are actually talking t ur servers instead f smene pretending t be us. During yur use f the Internet Banking system, we will pass a "ckie" t yur brwser fr identifying yu during the sessin. We d nt (and can nt) use ur ckies t btain new infrmatin abut yu. A "ckie" is security data that is given t a brwser by a web server that is returned by the brwser n subsequent transmissins t identify the user and encryptin infrmatin. When yu lg nt the system, this ckie enables us t prcess multiple transactins during the sessin withut yu having t prvide yur Access ID and passcde fr each individual transactin. When yu lg ff, r after ten minutes, the ckie is n lnger accepted and must be renewed by requiring the passcde t be reentered. A new ckie is used fr each sessin. That way, n ne can use the ckie t access yur accunt. In additin t the security measures described abve, there may be ther security ntices psted n the web site regarding security issues. It is yur respnsibility t read all applicable ntices. One f the main security features guarding the use f the Internet Banking system is the unique cmbinatin f yur Access Cde and Passcde (r Passwrd). It is imprtant that yu keep yur Passcde secret. We will nt be liable fr any lsses resulting frm yur permitting ther persns t use yur Access Cde and Passcde t access the system. If yu have mre questins abut ur security systems fr cnducting transactins safely ver the Internet, cntact ur Internet Banking department at bank@fnbb.cm. Registratin Prcess The Internet Banking service requires that the custmer cmplete the initial registratin prcess. This invlves cmpleting a secure nline applicatin that will identify yur First Natinal Bank f Brkfield lcatin and all the infrmatin that we will need t enable the service. The Internet Banking department will verify the infrmatin yu submitted fr accuracy and authrizatins. In abut ne week, yu will be ntified cncerning the status f yur accunt. We d nt guarantee that all applicants will be accepted. Lg-On Security Security is very imprtant t the Internet Banking system. At the time yu request the service, yu will select a unique "Access ID" and then chse a "passcde" that will be used t gain access t the system. Prir t activatin, the Internet Banking department will verify yur identity and authrizatin t infrmatin assciated with the accunts that yu requested tied t the service. T help prevent unauthrized access and ensure the security f yur accunts, we will end yur nline sessin if we have detected n activity fr 10 minutes. This is t prtect yu in case yu accidentally leave yur cmputer unattended after yu lgged n. When yu return t yur cmputer, yu will be prmpted t re-enter yur passcde and yur sessin will cntinue where yu left ff. Because yur passcde is used t access yur accunts, yu shuld treat it as yu wuld any ther sensitive persnal data. Yu shuld carefully select a passcde that is hard t guess. (We suggest that yu stay away frm names, dates, and infrmatin that may easily be guessed). Keep yur passcde safe. Memrize yur passcde and never tell it t anyne. Yu may cnsider changing yur passcde ccasinally, such as every 90 days. This can be dne at any time after yu lgged n frm the "ptins" menu. Accunts Yu may request access t any accunt that yu are a signer. If yu desire services that allw yu t initiate payments r transfers frm the accunt, yu will need the required withdrawal authrity ver the accunt t be able t cmplete the transactin. By using the service, yu agree t maintain ne r mre accunts with us and t keep sufficient balances in any accunt t cver any transactin and fees that are ultimately apprved by r related t the system. If the accunts added t the service are jintly held r have multiple signers, yu agree that access t the infrmatin and all transactins initiated by the use f yur Access Cde and Passcde are authrized unless we have been ntified t cancel the service. Fees fr the Internet Banking Service The Internet Banking service is currently available t ur existing persnal accunt custmers at n mnthly charge. The Bill Payment feature is an ptinal service fr persnal checking accunts. Yu must specifically request t have this service added. Currently the Bill Payment feature is available t existing persnal accunt custmers at n mnthly charge. Fees are subject t change withut prir ntice. Cancellatin f Internet Banking Yur Internet Banking may be canceled at any time by First Natinal Bank f Brkfield in whle r part withut
3 prir ntice due t insufficient funds in ne f yur accunts r ther circumstances that may create an unanticipated liability t us. Yu will remain respnsible fr all transactins apprved by the system prir t the cancellatin, and fr any ther fees assciated with the service. After cancellatin, service may be reinstated nce sufficient funds are available in yur accunts t cver any fees and ther pending transfers r debits. In rder t reinstate services, yu must call Internet Banking Service Supprt listed belw in the Errrs and Questins sectin. Balance Inquiries, Bill Payments and Transfers Limitatins Yu may use Internet Banking t check the balance f yur accunts and t transfer funds amng yur accunts. There are n limits t the number f transfers r bill payments frm yur Checking Accunts. First Natinal Bank f Brkfield currently limits the bill-payment service t nly Checking Accunts. Balances shwn in yur accunts may include depsits subject t verificatin by us. The balance may als differ frm yur recrds due t depsits in prgress, utstanding checks r ther withdrawals, payments r charges. A transfer request may nt result in immediate availability because f the time required t prcess the request. If yu have further questins, cntact yur Internet Banking Crdinatr. The balances are updated peridically and the system will display the mst current "as f" date n the "accunts" summary page. There may be situatins that cause a delay in an update f yur balances. The system will use the mst current balance available at the time f a transactin t base ur apprval. Special Infrmatin abut the Stp Payment Service The system includes the ptin t request a stp payment n an individual check. Generally, requests received frm the system will be prcessed within ne business day using prcedures that wuld handle similar requests received by mail r fax. If urgent actin is required, we recmmend that yu cntact First Natinal Bank f Brkfield directly by telephne r in persn. Additinal terms f acceptance r disclsures may apply n the Stp Payment service and these terms will be disclsed at the time yu cmplete the request. The Stp Payment feature is designed t submit a request t stp payment n checks yu have written r electrnic drafts that are deducted frm yur accunt. There may be additinal fees assciated with this service. This service is nt available t cancel the payments scheduled thrugh the bill payment service. If yu have a prblem r need t cancel a bill payment, yu will need t cntact the Internet Banking department. Bill Payment Service The Bill Payment Service allws yu t set up yur Payees by entering the necessary infrmatin where indicated. We are able t prcess payments t payees that have a US Pstal address. The Bill Payment service will als allw yu t see a histry f all the payments made frm yur accunts. The daily limit fr the ttal dllars f payments apprved is gverned by the system s available balance in the checking accunt selected fr making the payment. Yu can withdraw up t the system s available balance as lng as yur accunt shws sufficient funds t cver yur payments. The payment will nrmally be charged t yur accunt n the business date that it is apprved. Althugh payments may be scheduled fr the current business day r any date in the future at any time, they will nly be prcessed nce a day at ur cut-ff time, at 1:00PM Central Time n any business day. Anything scheduled n a nn-business day, r after the cut-ff time, will nt be sent ut until the fllwing business day. Since we must frward the funds and billing infrmatin t the payee, sme lead-time fr payments is necessary. In general, the system will attempt t tell yu when yu can expect the payment t be received by the payee. The estimated payment arrival date is typically shwn n the check where yu schedule the payment date belw the amunt line. (Our system assumes the payee/vendr will prmptly prcess the payment n the business day it is received. Any delays caused by the payee/vendr wuld result in additinal days befre the payment wuld shw n their recrds.) By using this service, yu authrize us, and any third-party payment prcessing agent we may use, t chse whatever methd we feel is the mst effective methd t prcess yur transactin. The time frames generally will be determined by the way the payment is sent t the payee. If we have t send a paper check in the US Pstal system, we typically suggest sufficient time as five (5) business days prir t the payee receiving the payment fr prcessing at their address. If the payee accepts the payment electrnically, we suggest sufficient time as three (3) business days prir t the payee receiving the payment. Unlawful Internet Gambling In accrdance with the requirements f the Unlawful Internet Gambling Enfrcement Act f 2006 and Regulatin GG which seek t prevent Unlawful Internet Gambling businesses frm utilizing the banking system, restricted transactins are prhibited frm being prcessed thrugh yur accunt. Restricted transactins are transactins in which a persn accepts credit, funds instruments r ther prceeds frm anther persn in cnnectin with Unlawful Internet Gambling. Failure t cmply with this restrictin will result in yur accunt being clsed.
4 Our Liability fr Incmplete Transactins It is ur respnsibility t prcess all bill payments prperly initiated thrugh the Internet Banking system in accrdance with this Agreement. We will be liable fr damages, as defined in this Agreement, where the system caused a payment delay r failed t prcess a payment t be received by the payee/vendr by the tenth business day fllwing the date yur accunt was charged fr the payment. Transfers will be prcessed within three business days f the cmpleted transfer transactin. We will nt be liable if any f the fllwing ccurs: 1. Funds are nt shwing n the system s available balance in yur accunt that is t pay fr the bill r transfer at the time f transactin. 2. Funds are subject t legal prcess r ther encumbrances restricting the payment r transfer. 3. Yu had knwledge f r questins abut the pssible malfunctin f the system when yu initiated the transactin. 4. Any infrmatin prvided by yu abut the Payee is incrrect. 5. There are any delays in the handling f the payment by the Payees. 6. Natural disasters (fire, fld, trnad, etc.) r ther uncntrllable circumstances (mail delays, pwer failures, etc.) prevent prper cmpletin and delivery f transactins. 7. Other applicable laws and/r regulatins exempt us frm liability. 8. It can be shwn that the merchant r payee received the payment within the nrmal delivery timeframe and failed t prcess the payment thrugh n fault f Internet Banking r ur service prviders. 9. It can be shwn that the delay was caused by unusual mailing delays by the US Pst Office. Payment Guarantee We will reimburse yu up t $50 per payment fr any late payment fees r penalties yu are charged as a result f the Payee/Vendr nt receiving a payment by the Due Date if all the fllwing apply: 1. Yu scheduled the payment befre the cut-ff time n a transactin date at least ten (10) business days prir t the Due Date. 2. Crrect infrmatin was prvided t us abut the Payee (name, address, accunt number, and amunt). 3. Yur accunt cntained sufficient available funds t cmplete the payment r transactin n the transactin date. 4. The Payee was a Business Payee that charges late charges r penalties. 5. Late payment fees r penalties were assessed by the Payee due t the delay f this payment. 6. Yu received n prir ntice frm the Payee/Vendr that there was a prblem with prcessing payments frm ur system. 7. Yu received n ntice within the ten business day perid that wuld have allwed yu t alert ur Internet Banking department f a prblem where we culd have taken crrective actin t remedy the situatin prir t the tenth day. Ntice f Yur Rights and Liabilities Ntify us immediately if yur Access ID and Passcde have been cmprmised, lst, stlen r used withut yur authrizatin. Failure t ntify us immediately culd result in the lss f all mney accessible by the passcde. Telephning us at the number listed belw in the Errrs and Questins sectin is the best way f limiting yur pssible lss. Yu culd lse all the mney in yur accunt (plus yur maximum verdraft line f credit, if yu have ne). If we are ntified within tw (2) business days after yu discver that yur Access ID and Passcde has been cmprmised, lst r stlen, yu can lse n mre than $50 if smene used it withut yur permissin. If yu d nt ntify us within tw (2) business days, and we can prve we culd have prevented smene frm using the Access ID and Passcde withut yur permissin, yu culd lse as much as $500. If yur statement shws unauthrized transfers, ntify us within 60 days after the statement is mailed t yu r viewed n yur cmputer. After 60 days, if we can prve that we culd have stpped smene frm taking the mney if we had been tld, yu may nt get back any mney frm us. If a gd reasn, (such as a lng trip r hspital stay) kept yu frm telling us, we may extend the time perids t a reasnable time. Errrs and Questins In cases f errrs r questins cncerning transactins cmpleted with Internet Banking, d ne f the fllwing, as sn as pssible: 1. Telephne Internet Banking Service Supprt at (708) ; r 2. Write t Internet Banking Service Supprt at 9136 Washingtn Ave, Brkfield, IL r 3. Initiate a payment inquiry n yur PC thrugh t bank@fnbb.cm.
5 We must hear frm yu within 60 days after yu receive the first statement r ntificatin in which the errr r prblem appeared. Please include the fllwing infrmatin: 1. Name 2. Accunt Number and yur Access ID 3. Descriptin f the errr r what yu are unsure abut, plus an explanatin f why yu believe it is an errr r why yu need mre infrmatin. 4. Tell us the amunt f the errr. 5. Fr a Bill Payer errr tell us: Checking accunt number used t pay the bill Payee name Date the payment sent Cnfirmatin number Payment amunt Payee accunt number fr the payment in questin. We will tell yu the results f ur investigatin within ten (10) business days after we hear frm yu (20 business days if the transactin invlved a new accunt). If we need mre time we may take up t 45 business days t investigate (90 business days if the transactin invlved a new accunt). If we chse t take up t 45 business days, we will give yu a prvisinal credit t yur accunt within ten (10) business days (20 business days if the transactin invlved a new accunt). Yur accunt is cnsidered a new accunt fr the first 30 days after the first depsit is made, unless each f yu already has an established accunt with us befre this accunt is pened. If we decide there was n errr, we will furnish yu with a written explanatin within three (3) business days after the investigatin is cmplete. Disclsure f Accunt Infrmatin t Third Parties Infrmatin t third parties abut yur accunt(s) r the transactin(s) yu make will nly be disclsed if at least ne f the fllwing applies: 1. It is necessary t cmplete a transactin. 2. T verify the existence and cnditin f yur accunt t a third party such as a credit bureau r merchant. 3. T cmply with a gvernmental agency r curt rder. 4. If permissin is given t us by yu, which we may require t be in writing. 5. T cllect infrmatin fr internal use, the use f ur service prviders, and ur servicing agents and cntractrs cncerning ur electrnic funds transfer service. 6. It invlves a claim by r against us cncerning a depsit t r withdrawal frm yur accunt. 7. Where therwise required r permitted under state r federal laws and/r regulatins. N Signature Requirements When any payment r ther n-line service generates items t be charged t yur accunt, yu agree that we may debit the designated accunt, r the accunt n which the item is drawn, withut requiring yur signature n the item and withut any ntice t yu. Virus Prtectin First Natinal Bank f Brkfield is nt respnsible fr any electrnic virus r viruses that yu may encunter. We encurage ur custmers t rutinely scan their PC and diskettes using a reliable virus prduct t detect and remve any viruses. Undetected r un-repaired viruses may crrupt and destry yur prgrams, files and even yur hardware. Additinally, yu may unintentinally transmit the virus t ther cmputers. Terminatin Yu may terminate the use f Internet Banking by cntacting First Natinal Bank f Brkfield in writing by mail, , r persnal delivery t First Natinal Bank f Brkfield. If yur accunt is clsed r restricted fr any reasn, Internet Banking accessibility will autmatically terminate. Gverning Law This Agreement shall be gverned by and cnstrued in accrdance with the laws f the State f Illinis. Assignment This agreement may nt be assigned t any ther party by yu. We may assign r delegate, in part r whle, t any third party.
6 Ownership f Material First Natinal Bank f Brkfield utilizes the Fiserv ecm and ecrp systems fr its Internet Banking services and the Fiserv Paytraxx system fr Bill Payment services. ecm, ecrp, and Paytraxx are trademarks f Fiserv. Unauthrized reprductin in whle r part is prhibited. Amendments Terms and cnditins f this agreement may be amended in whle r part at any time within 30 days written ntificatin prir t the change taking effect. If yu d nt agree with the change(s), yu must ntify us in writing prir t the effective date t cancel yur access. Amendments r changes t term(s) r cnditin(s) may be made withut prir ntice if it des nt result in higher fees, increased liability t yu, r if we deem that the services prvided will be cnsidered mre restrictive by ur average custmer. Entire Agreement This Agreement supplements any ther agreements r disclsures related t yur accunt(s), including the Depsit Accunt Agreement and Disclsures. If there is a cnflict between this Agreement and any thers, r any statements made by emplyees r agents, this agreement shall supersede.
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