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Bill Pay Disclosure
This Online Banking Agreement and Disclosure (“Agreement”) sets forth your rights and responsibilities concerning the use of First National Bank’s Online Banking Service. By using the Online Banking Service you agree to abide by the terms and conditions of this Agreement. This Agreement will be governed by and interpreted in accordance with federal laws and regulations, along with any State laws governing your use of this service.
- You and Yours – Those who sign as applicants or each and all signers on an account.
- Account – any type of account of “yours” held at First National Bank of Chadron
- Transaction – all debits or credits on an account, including withdrawals, deposits, and transfers
- Our, We, Us, and Bank – First National Bank of Chadron
- Bank Business Day – Monday through Friday, excluding legal federal holidays.
Online Banking Access
To use the Online Banking Service, you must have at least one deposit or one loan account and access to the Internet. To utilize the Bank’s bill payment service, you must have at least one checking account. You will be required to register for online access at the bank’s website fnb4me.bank. Once you have completed the enrollment form, your application will be reviewed and notification of your approval status will be sent by US Postal mail within two business days. You are solely responsible for the equipment and software you use to access the Online Banking Service. The Bank is not responsible for the cost of upgrading your equipment and/or software to stay current with the Online Banking Service. The Bank is not responsible for any antivirus or anti-spyware software you may have on your equipment.
You are allowed to request access only to accounts that you are an owner or authorized signer of. You are also responsible for maintaining available funds for any scheduled transactions.
If the sub-user feature is available, you will take full responsibility for any sub-users that you choose to add through your Online Banking session. You will also be responsible for providing a copy of the Online Banking and Bill Payment Terms & Conditions and any disclosures to the sub-users that you have added.
You are responsible for promptly reviewing and responding to any messages that have been sent through our secure Online Banking messaging system. They may contain important information about your account(s) or forms you have submitted.
Online Banking Services
The following services are currently available:
- Perform account inquiries on deposit and loan accounts
- Obtain statement information and print copies of imaged checks
- Sort and search information by account, date, amount, check number, transaction type, etc.
- Transfer funds between your accounts
- Pay Bills
- View Check Images
- Export transaction information
- Mobile deposits with an approved device and our fnb4me mobile app
- Set up email notifications
Please note that from time to time, we may offer and introduce new Online Banking services. By using these services when they become available, you agree to be bound by the rules, concerning these services. We do not warrant that our Online Banking Service or the Internet will be available on a specified date or time or that our Online Banking Service or your Internet Provider will have the capacity to meet your demand during specific hours. The Bank will not be liable for any damage that you may suffer arising out of use, or inability to use, the service or products provided hereunder. In addition, the bank’s cutoff time for all transactions posted during a business day will be posted on the transfer screen. For transactions posted on a non-business day, the transaction will be processed on the next business day.
Balances shown online are updated nightly with transactions that posted to your account during the day. Therefore, these balances may not include all deposits or debits (checks, debit card purchases, ACH, etc.). We have a right to cancel transactions if sufficient funds are not available in your account. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.
Fees and Charges
There are no fees for our Online Banking Service. However, fees, as described in the applicable account disclosure may apply. Please refer to your Fee Schedule provided at the time of your account opening. The Bank does reserve the right to change the fees or other terms described in this Agreement at any time. If any increases are made to any fees, we will notify you prior to the changes. Changes to fees applicable to specific accounts are governed by the applicable account disclosure statement.
Signatures and Multiple Signatures
Other agreements may exist which may require First National Bank to verify signatures on withdrawals or transfers. First National Bank can not verify signatures when you use Online Banking. By accepting the Online Banking and Bill Payment Terms and Conditions, you release First National Bank from any obligation to verify signatures, whether one or more, when you use Online Banking. This provision shall control over any conflicting provision in your other agreements with First National Bank.
Security and Preventing Misuse of Your Information
Your role in preventing misuse of your account through Online Banking Service is extremely important. Below are some suggestions to help protect yourself and your accounts;
- Keep your password for Online Banking confidential at all times, the Bank should never ask you for your password.
- Install a good antivirus and anti-spyware software on your computer and update them on a regular basis.
- Stay away from websites that seem suspicious.
- Please notify us immediately if you believe your password has been stolen or if you believe your computer or Online Banking account has been compromised.
Terms and Conditions
The first time you access your account(s) through the Internet confirms your agreement to be bound by all of the terms and conditions of this Agreement, acknowledges your receipt and understanding of this disclosure, and reconfirms your agreement to the Deposit and/or Loan Agreement you received when you opened your account. The Bank agrees to make reasonable efforts to ensure full performance of the Online Banking Service. The Bank will be responsible for acting only on those instructions sent through the Online Banking Service that are actually received and cannot assume responsibility for malfunctions in communications not under its control that may affect the accuracy or timeliness of message sent. The Bank is not responsible for any losses or delays in the transmission of instructions arising out of the use of any Internet Service Provider or caused by any browser software (i.e. Internet Explorer ). Any information you receive from the Bank can only be provided on a best-effort basis for your convenience and is not guaranteed. The Bank is not liable for any deficiencies in the accuracy, completeness, availability or timeliness of such information or for any investment or other decision made using this information. The Bank, any of its affiliates, or any of its respective officers, directors, employees or agents, are not responsible for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the equipment or software. The Online Banking Service and any related services are provided on an “as is” basis.
The Bank makes no express or implied warranties concerning the Online Banking Service, including but not limited to, any warranties of merchantability, fitness for a particular purpose or non-infringement of third party proprietary rights unless, and then only to the extent, disclaiming such warranties is prohibited by law.
This Agreement will remain in effect until terminated by you or terminated or amended by the Bank.
Your Right to Terminate
You may cancel your Online Banking Service at any time by providing a written, signed, and dated notice by U.S. Mail to, First National Bank, PO Box 1351, Chadron NE 69337 or First National Bank, PO Box 45, Ainsworth NE 69210 or by fax to (308) 432-2548 or (402) 387-1843. The Online Banking Service will be terminated within one business day of receipt of proper notification.
Our Right to Terminate
You agree that we can terminate or limit your access to the Online Banking Service for any of the following reasons:
- Your online account is inactive and has not been accessed within the last 180 days
- You or any authorized user of your password breached this or any other agreement with us
- We have reason to believe there is unauthorized use of your account or password
- You have violated any of the terms and conditions of your Deposit/Loan Agreement (for example excessive overdrafts on a deposit account)
- Upon reasonable notice, for any other reason at our sole discretion.
My use of First National Bank’s Online Banking Service signifies that I have read and agree to the terms and conditions of the Bill Pay - Electronic Bill Payment Authorization
The Online Banking Bill Payment service (called Bill Pay) enables you to set up recurring payments, make one time payments and track your payments to payees via your First National Bank checking account. There is no need to write checks and go to the post office. You can do this right from your home, office, or mobile device using the fnb4me mobile app. Not all Bill Pay features are available from the fnb4me mobile app.
ELECTRONIC BILL PAYMENT AUTHORIZATION
I AUTHORIZE my Financial Institution (First National Bank) to post payment transactions on my checking account generated from the Online Banking Bill Payment Service; called Bill Pay, to the checking account indicated on the form being sent electronically. I understand that I am in full control of my account. If at any time I decide to discontinue service, I will provide written notification to First National Bank. My use of Bill Pay signifies that I have read the terms and conditions of the Electronic Fund Transfers Disclosure; which has been provided to me electronically by First National Bank.
I UNDERSTAND that payments may take up to 10 business days to reach the vendor and that they will be sent either electronically or by check. First National Bank is not liable for any service fees or late charges levied against me. I UNDERSTAND the funds will be debited from my account on the Process Date for payments sent electronically. Payments sent by check will be converted to a draft check and will be debited from my account after the payee has deposited or cashed the item. I also UNDERSTAND the Estimated Arrival Date is only an estimate and First National Bank makes no guarantee the payment will be received by the payee on this date.
I UNDERSTAND that I may be Declined from Bill Pay after my account has been inactive for 180 days; without prior notification.
I UNDERSTAND that fees will be assessed for optional services through Bill Pay. These fees may be for Rush Payment Delivery and the applicable fees will be disclosed at the time I request such optional services.
I UNDERSTAND that any payments through this service must be payable in U.S. dollars to a payee located in the 50 United States and are limited to a transaction limit of $9,999.99. Lower transaction limits may apply for individual payees or payments initiated from a mobile device. I also UNDERSTAND that I may NOT make payments for alimony, child support, taxes or other governmental or court directed fees.
I UNDERSTAND that I am the owner or an authorized signer on the account requested for the Bill Pay service. I also UNDERSTAND that I am responsible for maintaining available funds for any scheduled transactions.
I UNDERSTAND that I am the owner or an authorized signer on any additional pay from accounts requested for the Bill Pay service. I also UNDERSTAND that I take full responsibility in determining the proper pay from account for each scheduled Bill Pay transaction and that I am responsible for maintaining available funds for any scheduled transactions.
I UNDERSTAND that I am responsible for promptly reviewing any messages shown in the Message Center in my Bill Pay account.
I UNDERSTAND any Secondary Account Holders I add through the Bill Pay system are only for the purpose of allowing them to contact the Bill Pay processor for support. It does not give them any authority on accounts held at First National Bank. I will be responsible for contacting First National Bank to request removal of any Secondary Account Holders I have added through the Bill Pay system.
I UNDERSTAND I am responsible for any changes or transactions scheduled by any sub-users I may have added to my Online Banking or Bill Pay services.
I UNDERSTAND any changes made to accounts may be used to update our core system.
My use of First National Bank’s Online Banking and Bill Payment services signify that I have read and agree to the terms and conditions of the Electronic Fund Transfers Disclosure; which has been provided to me electronically by First National Bank.