Please read and print this document before
clicking on the
I Agree button which will take you to the online enrollment form.
Thank you for your interest in the First Security Bank of Deer Lodge
Internet Banking service. This Agreement and Disclosure Statement
provides information about the First Security Bank of Deer Lodge
online banking service and contains the disclosures required by the
Electronic Funds Transfer Act. Please review the following
disclosure information. Once you have completely reviewed the
information, click “I Understand and Accept” to indicate your
agreement and to begin the process of online banking.
ONLINE BANKING AGREEMENT
The undersigned ("I" or "we"), in consideration of The First
Security Bank of Deer Lodge ("you" or "your") issuing me Login Codes
for access to Internet Banking, hereby agrees to be legally bound by
the following terms and conditions.
1.Internet Banking Services
I have the Checking and/or Savings account(s) with you set forth on
my application form. I hereby request that you issue to me Login
Codes to be used in connection with such accounts as described in
the Agreement. I understand I may use Internet Banking to (1)
transfer funds between accounts; (2) obtain available balances on
accounts; (3) obtain the current balances on accounts; and (4)
obtain transaction history on accounts.
2. Identification Number and Password
I understand that access requires the use of unique Login Codes
assigned by you. I agree that electronic copies of communications
are valid and I will not contest the validity of the originals
absent proof of data or tampering. I understand that accessing
Internet Banking with my Login Codes will authenticate and validate
the directions given just as my actual signature will authenticate
and validate my direction given to you. I acknowledge that my Login
Codes are identification codes that are personal and confidential
and that the use of the Login Codes is a security method by which
you are helping me to maintain the security of my account(s).
Therefore, I AGREE TO TAKE ALL REASONABLE PRECAUTIONS THAT NO ONE
ELSE LEARNS MY LOGIN CODES. I AGREE THAT IF I GIVE MY LOGIN CODES TO
SOMEONE ELSE TO USE, I AM AUTHORIZING THEM TO ACT ON MY BEHALF AND I
WILL BE RESPONSIBLE FOR ANY USE OF THE CODES BY THEM AT ANYTIME.
3. Liability for Unauthorized Transactions
I agree to contact you at once if I believe the Login Codes issued
to me have been lost or stolen. I also agree that if my monthly
statement shows transactions which I did not make, and I do not
contact you within 60 days after the statement was mailed to me, I
risk the return of lost funds. I understand that if I believe an
unauthorized transfer from any of my accounts has occurred, I will
contact you by writing or calling you at:
The First Security Bank of Deer Lodge
(406) 846-2300 during business hours
4. Charges
There is no charge to use online banking, but I agree to pay the
charges or transaction fees which are charged by you for
transactions that have fees such as stop payments. I understand that
fees or charges may be imposed or changed from time to time or for
services which may later be offered.
5. Amendment of this Agreement
I agree that from time to time you may amend or change the terms of
this Agreement including amendments or changes to add further Online
services or to amend or change the charges for these services. You
may do so by notifying me in writing of such amendments or changes
and my use of Internet Banking after the effective date of any such
amendment or change shall constitute my acceptance of and agreement
to such amendment or change.
6. Disclosure
I hereby acknowledge that I reviewed the Online Banking Disclosure &
Agreement, informing me of my rights under the Electronic Funds
Transfer Act.
Online Banking Disclosure Statement
The purpose of this Disclosure Statement is to inform you of certain
rights that you have under the Electronic Funds Transfer Act.
Please Note: In this statement, the words "you" and "your" each
refer to the person who uses or is authorized to use Internet
Banking services. The words "we", "our" and "us" refer to The First
Security Bank of Deer Lodge.
1. Internet Banking Services
You may access our Internet Banking service using the personal Login
Codes that we issue to you and conduct the following transactions:
Transfer funds between:
· Checking account(s)
· Savings account(s)
Stop Payments (available on checking accounts
only)
Make payments to:
· Loans
Obtain the available balance(s) in:
· Checking account(s)
· Savings account(s)
· Loans
· Certificates of Deposit/IRAs
Obtain transaction history from:
· Checking account(s)
· Savings account(s)
· Loans
· Certificates of Deposit/IRAs
2. Banking Services
Our Online Banking Service is available 24 hours a day, 7 days a
week. However, we only process transactions and update information
on business days. Our online transfer business days end Monday
through Friday, 7:00 pm. Transfers made on weekends, holidays,
scheduled in advance or after 7:00 pm, will be processed on the next
business day.
3. Identification Number and Password
Access to Internet Banking may be made by personal computer. Access
requires the use of a unique Login and Personal Identification
Number (collectively, the "Login Codes") assigned by us. Your use of
Internet Banking with the Login Code authorized by us will be deemed
by us to be valid and authentic, and you agree that any
communications to us under your Login Code will be given the same
legal effect as written and signed paper communications. You agree
that electronic copies of communications are valid and you will not
contest the validity of the originals, absent proof of altered data
or tampering.
4. Lost or Stolen Login Codes
If you believe your Password or other means of access have been lost
or stolen or that someone has used them without your authorization,
immediately change your Internet Banking Password. This is done by
accessing the Change Password option. To change the Access ID you
will have to contact us immediately by writing or calling us at:
The First
Security Bank of Deer Lodge
(406) 846-2300 during business hours
Include in the message your name, address, telephone number and a
brief description of the problem.
5. Charges for Transactions
Depending on which service you subscribe to, you will be charged the
applicable online 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. 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.
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.
8. Your Liability
You agree to the terms of this Online 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.
9. Account Restrictions
Your name must appear in the legal title to make transfers between
accounts. You may not transfer between accounts with legal or
signature restrictions.
10. Limits on Online Banking Transactions
All transactions performed through our Online Service will be
considered a Pre-authorized Electronic Funds Transfer.
11. 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 transaction.
-
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 transaction.
-
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 transaction.
-
We have reason to believe that the transaction
requested is unauthorized.
-
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 our control.
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.
12. 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.
13. 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.
14. Termination
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
reports.
And/or 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.
15. Our Policy and Pricing Guide and Terms and Conditions on Deposit
Accounts are available at our banking office upon request.
Before agreeing, please Print This Page for your records