Online Banking Terms & Conditions

General Information
A Login ID and password will be issued at your request and upon bank approval. By signing a statement requesting Internet Banking services, or by submitting such a request electronically, you agree to be bound by the terms and conditions listed in this agreement. You agree to maintain sufficient available funds in your account to cover any transfers or payments. If you do not have sufficient available funds your transaction may not be processed. If you have an Overdraft Line of Credit, withdrawals made by an Internet Banking transaction in excess of your account balance are subject to the separate agreement governing the credit line. To use our Internet Banking service, you must have at least one account at the Bank, access to Internet service, and a valid e-mail address. Once we have received your request, and verified your account information and identity, we will send your User ID and temporary password to you. You agree to pay all applicable fees, if any, for the services you choose.

Internet Banking provides the ability to view the balance of your accounts with us, view and export account transaction history, transfer funds between your account with us, view images of cleared checks, change your address, and more.

Additional Services
Online Bill Pay - You must have a checking account with us to use the bill payment service. Our Online Bill Pay allows you to make payments from your checking account with us, to any payee with a valid United States mailing address.

E-Statement delivery - You may select electronic delivery of certain periodic account statements.

Business Days and Hours of Operation
A "business day" is every day other than Saturday, Sunday, or one of the Federal holidays. You can use Internet Banking services seven days a week, twenty-four hours a day, although some or all Internet Banking services may not be available occasionally due to emergency or scheduled system maintenance. Transfers between your accounts with us submitted after 4:00 will be considered as being submitted on the next business day that we are open. Times stated are Central time.

Liability of Transactions
You are fully responsible for all transactions made under your login. You understand the importance of your role in preventing misuse of your accounts and you agree to promptly examine your monthly statement for each of your accounts as soon as you receive it, and notify us immediately of any discrepancy.

Login Security
You are required to change your password upon your initial login to Internet Banking. You determine what password you will use and the password you select is not communicated to us. You can also change the User ID originally issued to you if you so choose. You agree that we are authorized to act on all instructions received under your Login ID and password. You accept responsibility for the confidentiality and security of your password and agree to change it periodically. If your password is entered incorrectly three consecutive times, your access to Internet Banking will be revoked. To re-establish your access, you must contact us to have your password reset or to obtain a new temporary password. We recommend that you create a password that utilizes both upper and lower case alpha and numeric characters for purposes of security. Your password should not be associated with any commonly known personal identification, such as social security numbers, address, birth date, children's names, etc., and should be memorized rather than written down. You can change your Internet Banking password at any time, and should do so immediately if you suspect that someone else may know your password. Data transferred via Internet Banking is encrypted to provide transmission security and you understand that your Internet browser must be capable of utilizing the required encryption level. The bank may also utilize other identification technology to verify that the sender and receiver of Internet Banking transmissions can appropriately identify each other.

Changes to Agreement
Internet Banking accounts may be closed, and/or Online Bill Pay services disabled if your account is inactive for a period of 12 months. We have the right to make other changes to this Agreement, and will notify you in advance of any such changes as required by law. No advance notice is required for changes that are necessary for security reasons. We have the right to cancel your Internet Banking privileges, or this agreement at any time without prior notice.