THE FIRST NATIONAL BANK OF DENNISON
This agreement states the terms and conditions that apply when you use The First National Bank of Dennison's Internet Banking service. These terms and conditions are in addition to those that apply to any accounts you have with us or any other services you obtain from us. Strict adherence to all of The First National Bank of Dennison's instructions and procedures applicable to the services covered by this agreement is required.
"You" and "your" mean each person who establishes a FNB Home Banking Account with The First National Bank or who uses or is authorized to use a FNB Home Banking identification number and personal identification number (password) or other means of access we establish or approve. The term "FNB Home Banking" means the First National Bank allows you to make payments, transfer funds, access accounts, obtain information and perform other transactions over the Internet by use of a personal computer and modem and/or other means The First National Bank allows.
IDENTIFICATION NUMBER AND PASSWORD
To access The FNB Home Banking Internet service, you must use the identification number The First National Bank establishes or provides for your Internet Banking Account, together with a password. Any persons to whom you give your identification and password number will have full access to your accounts that you defined in your Home Banking.
INTERNET BANKING TRANSACTIONS
You, or someone you have authorized by giving them your FNB Home Banking identification number and passord or other means of access (even if that person exceeds your authority), may instruct First National Bank to perform the following transactions:
Make transfers between your qualifying accounts to the extent authorized;
Obtain information that we make available about your qualifying accounts;
Obtain other services or perform other transactions that First National Bank authorizes; and
Create a payment to any business or person through the FNB Home Banking Bill Pay portion of Internet Banking.
LIMITS ON INTERNET BANKING TRANSACTIONS
You must have enough available funds in any account from which you instruct The First National Bank to make a payment or transfer. If any of your designated accounts are savings accounts, certain restrictions on the types of withdrawals from those accounts, including payments and transfers, are limited to a total of no more than 6 in any specified period. The specified period for savings accounts is the monthly statement period. The kinds of withdrawals covered by this limitation are those made by means of preauthorized or automatic transfers and payments or telephone agreement. You also agree to the "Terms & Conditions of Your Deposit Account" that you received when you opened your deposit account. You may request another copy of the "Terms & Conditions of Your Deposit Account" at any time.
If First National Bank of Dennison does not complete a payment or transfer on time or in the correct amount according to our agreement with you, First National Bank may be liable for your losses or damages. However, there are exceptions. FIRST NATIONAL BANK WILL NOT be liable for the following:
Your Internet banking transfers and payments will be indicated on the monthly statements that The First National Bank provides or makes accessible to you for your Internet Funding Account. You must examine your statement of account with "reasonable promptness." If you discover (or reasonably should have discovered) any unauthorized signatures or alterations, you must promptly notify us of the relevent facts. As between you and us , if you fail to do either of these duties, you will have to either share the loss with us, or bear the loss entirely yourself (depending on whether we used ordinary care and, if not, whether we substanially contributed to the loss). The loss could be not only with respect to items on the statement but other items with unauthorized signatures or alterations by the same wrong doer.
You, as a customer, agree to the terms of this Internet Banking account and any service charges that may be imposed. You authorize the deduction of these charges directly from the account balance. You are liable for all transactions that you make or authorize, even if the person you authorize exceeds your authority. If you have given someone your Internet Banking identification number and Password or other means of access and want to terminate that person's authority, you must change your identification number and password or other means of access or take additional steps to prevent further access by such person.
During Normal Business Hours: Call us immediately at 740-922-2532
|Home||Member FDIC | Equal Housing Lender|