INTERNET BANKING SERVICES AGREEMENT
THIS AGREEMENT sets out the terms on which the undersigned ("you") may
obtain services from Carroll County State Bank and Council Bluffs
Savings Bank a division of Carroll County State Bank (the "Bank") using
the Internet.
1. Internet Services. The following Bank services will
be available to you through the Internet: check your current account
information, transfer funds among your accounts at the Bank, stop
payments on checks, and pay bills. You may be required to enter into
other agreements in order to use any of these services. The Bank may, at
any time, increase or delete any such services, provided that no
services will be deleted unless you have been given at least 30 days
prior notice. You must provide your own access to the Internet through
an Internet provider of your choice and have a functional user ID and
password.
| |
● Minimum System
Requirements: |
| |
Operating System |
| |
|
Windows 95, Windows 98 or higher
Mac OS 9 or higher |
| |
Browser (128-bit encryption min.) |
| |
|
Recommended Browsers
Microsoft Internet Explorer 6.x (includes AOL 8 & 9)
Netscape 7.2
Mozilla Firefox 1.0
Safari 1.2 |
| |
● Our site is optimized for use
with certified/recommended browsers. If you use a different
browser, you may not be able to take full advantage of all the
features of the site. |
2. Transfers of Fund; Bill Paying.
(a) You may transfer funds from one account to another account, provided
that the same persons are the owners of both accounts. The number of
transfers that you may make may be limited by law or government
regulation and the Bank may establish restrictions on transfers that may
exceed those limits.
(b) You may pay bills from your accounts by registering with our third
party vendor, CheckFree Services Corporation. The Bill Payment Service
permits you to use your Internet-enabled device to direct payments from
your designated online Bill Payment Account to third parties you wish to
pay. Your Bill Payment Account must be a primary checking account.
Through the Bill Payment Service, you can pay bills from your Bill
Payment Account to businesses or individuals.
All payments you make will be deducted from the checking account that
you designate as your Bill Payment Account for the Bill Payment Service.
Any payments you wish to make through this Service must be payable in
U.S. dollars to a payee located in the continental United States. We
reserve the right to restrict types of payees to whom payments may be
made using the Service from time to time. You should not use the Bill
Payment Service to make payments to settle securities purchases,
payments to interest bearing accounts, tax payments, or court ordered
payments. Payments for these payees will be your sole responsibility if
delayed or improperly processed or credited.
(c) The Bank will not be required to transfer any funds, or to honor any
request to pay bills, unless there are collected funds in the
originating account sufficient to cover the transfer or bill payment. If
you give us instructions to make multiple transfers, or to pay multiple
bills, and there are not sufficient collected funds for each
transaction, the Bank may honor the instructions in the order that the
instructions are received and may refuse to honor all further
instructions. We have no obligation to notify you if there are not
sufficient funds to permit the transfer or pay the bill. We may, but we
are not required to, make the transfer or pay the bill at such future
time, as collected funds are available in the originating account.
3. Stop Payment Orders. If the Internet services
include the ability to request stop payments on checks, the Bank will
not be required to act on such instructions until 4 hours after the
notice is received by the Bank, or until 11:00 a.m. on the next business
day if the 4 hours would end after the normal business hours of the
Bank. You should call the Bank if you wish your instructions to be acted
on more quickly.
4. Changes in Terms; Cancellation. The Bank may change
the terms of this Agreement at any time by giving you at least 30 days
prior notice of the change. If you use the Internet services after
receipt of such notice, you will be deemed to have agreed to such
change. Either you or the Bank may cancel this Agreement and terminate
your use of the Internet banking services for any reason by giving the
other 30 days prior written notice. Notwithstanding the foregoing, the
Bank may terminate your rights under this Agreement at any time, and
without prior notice or liability to you, if you have breached any of
your obligations under this Agreement or any other agreement with the
Bank, or if the Bank has reason to believe that you have attempted to
access accounts or information at the Bank to which you do not have
rights.
5. Security. You will be assigned an initial
identification code to be used when you use the Internet system to
obtain Bank services or to make transactions. The Bank reserves the
right to block access to the Internet banking services in order to
maintain or restore security if the Bank reasonably believes your
identification codes has been or may have been obtained, or is being
used or may be used, by any unauthorized persons. You are solely liable
and responsible for all Internet transactions that are made using your
identification codes, whether those transactions are made by you or any
person you authorize, permit or enable to have your means of
identification (even if the person exceeds your authority), or by any
person who obtains your identification codes as a result of your act of
negligence. If you have given someone your identification codes and wish
to terminate their authority, or if you know or believe that your
identification codes otherwise are compromised, you must notify the Bank
immediately so that the Bank can take the necessary steps to change your
identification code. You will defend, hold harmless and indemnify the
Bank from and against any and all claims of any nature arising out of
any access by a person you have authorized, permitted or enabled to have
access to the Bank and any records or accounts maintained at the Bank
regardless of whether the records or accounts belong to you or others.
6. Interruptions in Service; Limit of the Bank's Liability.
Any information you receive from the Bank can only be provided on a
best-efforts 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 is not responsible
for any computer virus or related problems, which may affect or result
from your use of the Internet banking services. Neither the Bank, nor
any of the Bank's affiliates, officers, directors, employees or agents,
will be responsible for any indirect, special incidental or
consequential damages arising in any way out of the Agreement or your
use of the Internet banking services. Any liability of the Bank for
actual damages shall be limited to the fees that you have previously
paid to the Bank for the use of the Internet banking services under this
Agreement. The Bank will have no liability to you if you are not able to
complete any transaction using the Internet as provided herein if: (1)
you do not have enough money in your accounts to make the transfers; (2)
the Bank's Internet or computer system, is not working properly and you
knew about this when you started your transaction; (3) the failure is
the result of any act or omission of any Internet service provider or
any software provided by any third party, or the other party to the
transaction; or (4) circumstances beyond the Bank's control (for
example, fire, flood, loss of power, or interruption of communication
systems) prevent the completion of the transaction. The Bank may on a
regular basis perform maintenance on the Bank's equipment or systems
which may result in interruption of the Internet banking services and
the Bank will not have any liability to you as a result of any such
interruptions. The Bank may contract with third parties to provide
certain Internet services to you. The Bank will have no liability of any
kind to you with respect to any acts or omissions of such parties, and
your sole remedy shall be against such third party. If you experience
any inability to access the Internet Banking Service, you should call
your financial institution.
7. Fees. You may be required to pay
the standard fee for any transactions that you make through the
Internet. The Bank may establish other fees by giving you at least 30
days prior written notice. You are responsible for all the telephone
charges you incur in connecting to the Internet and for any charges
imposed by your Internet provider.
| Service |
Fee |
| Personal Online Bill Pay |
$0.00 |
| Online Banking |
$0.00 |
8. All charges listed above will be automatically
deducted from your account and will appear on your account statement, if
those charges are applicable.
9. Miscellaneous. If any one or more of the provisions
of this Agreement is held to be invalid, illegal, or unenforceable, the
remaining provisions shall remain valid and enforceable. The terms and
conditions of this Agreement shall be governed by and constructed in
accordance with the laws of the State of Iowa, without regard to its
conflicts of law provisions. Any litigation arising under this Agreement
or the Internet services shall take place only in the state or federal
courts having jurisdiction over the home office of the Bank and you
agree to such jurisdiction. The Bank shall be entitled to recover its
costs (including attorney's fees) from you for any claims arising under
this Agreement or the Internet services. The term "business day" means
Monday through Friday except for legal bank holidays.
10. Entire Agreement. This Agreement is the entire
agreement between you and the Bank regarding your use of the Internet
banking services, and it supersedes any prior discussions and agreements
between you and the Bank regarding the Internet banking services, and
supersedes any marketing or other similar material pertaining to the
Internet banking services. The foregoing does not apply to agreements
and disclosures applicable to your accounts, or disclosures or
agreements relating to specific transactions, and such other agreements
or disclosures shall supersede this Agreement to the extent that there
is any inconsistency. This Agreement is subject to, and incorporates,
all account agreements and other agreements or disclosures that the Bank
has delivered, or may hereafter deliver, to you with respect to your
account or Bank products or transactions.
11. Notices. The Bank may give you written notices and
disclosures either by mailing them to your last known address, or by
sending such notice to you over the Internet at your designated Internet
address. You agree that if the Bank is required by any laws or
regulations to give you written confirmation of the completion of any
transaction or supply you with any disclosures or notices, then the Bank
may in its sole discretion give such information to you electronically
over the Internet. If there is more than one account holder, the Bank
will only be required to give notice to one of you. The Bank will not
normally mail you paper copies of the disclosures, notices, or account
statements you receive electronically. To obtain a paper copy, please
contact the bank by mail. Applicable fees may be billed to your account.
If you wish to give notices to the Bank you must send it in writing to
either of the following addresses:
Mail Address: Carroll County State Bank, Carroll, IA 51401 or
Council Bluffs Savings Bank, 1751 Madison Ave, Council Bluffs, IA 51503
e-mail Address:
cservice@carrollia.com
12. Cancellation. To cancel electronic disclosures
please contact the bank by mail.
13. E-mail Address Change. If your e-mail address
changes, please update it by selecting the "User Option" button which
can be found on the main menu of your on-line banking page and select, "E-mail Address". You will be responsible for maintaining an accurate
e-mail address in which to receive the e-mail.
14. Electronic Mail (E-mail). If you send an e-mail
message, the bank will be deemed to have received it on the following
business day. You should not rely on e-mail if you need to report an
unauthorized transaction from one of your accounts or if you need help
to stop a payment that is scheduled to occur. NOTE: E-mail
outside of the Online Banking site are not secure. We advise you not to
send us or ask for sensitive information such as account numbers,
Passwords, account information, etc., via general or public e-mail
systems. If you wish to contact us electronically, please us the secure
"contact us" link provided in our Online Banking site.
Questions and/or Concerns: In order for the
Bank to provide you with the maximum benefits and services, we request
that you keep your information as up-to-date as possible. If you ever
have questions or concerns regarding the accuracy of your personal
information at the Bank, please contact at (712)-792-3567 or
(800)-329-8620. We will investigate your concerns and make any changes
as needed.
| |
Rev. 10/2010 |
|
FACTS |
WHAT DOES CARROLL COUNTY STATE BANK
DO WITH YOUR PERSONAL INFORMATION? |
|
Why? |
Financial companies choose how they share
your personal information. Federal law gives
consumers the right to limit some but not all sharing.
Federal law also requires us to tell you
how we collect, share, and protect your personal
information. Please read this notice carefully to understand
what we do. |
|
What? |
The types of personal information we
collect and share depend on the product or service you
have with us. This information can include:
■ Social Security number and
income
■ account balances and payment
history
■ credit history and credit
scores
When you are no longer our customer, we continue to share
your information as described in this notice. |
How?
|
All financial companies need to share
customers' personal information to run their everyday
business. In the section below, we list the reasons
financial companies can share their customers' personal information; the reasons Carroll County
State Bank
chooses to share; and whether you can limit this sharing. |
Reasons we
can share your
personal information |
Does Carroll
County
State Bank share? |
Can you limit this sharing? |
For our
everyday business purposes -
such as to process your transactions, maintain
your account(s), respond to court orders and legal
investigations, or report to credit bureaus |
Yes |
No |
For our
marketing purposes -
to offer our products and services to you |
Yes |
No |
| For joint
marketing with other financial companies- |
Yes |
No |
For our
affiliates' everyday business purposes-
information about your transactions and experiences |
No |
We don't share |
For our
affiliates' everyday business purposes-
information about your creditworthiness |
No |
We don't share |
| For our
affiliates to market to you |
No |
We don't share |
| For
non affiliates to market to you |
No |
We don't share |
|
Questions? |
Call 800-329-8620 or go to
www.carrollia.com/ccsb |
|
Page 2 |
_____________________________________________________________________________ |
|
| Who are we |
| Who is
providing this notice? |
Carroll County State Bank,126 W. 6th
Street, Carroll, IA 51401
Council Bluffs Savings Bank (a division of Carroll County
State Bank) |
|
What we do |
How does Carroll County State Bank
protect my personal information? |
To protect your personal information from
unauthorized access
and use, we use security measures that comply with federal
law.
These measures include computer safeguards and secured files
and buildings. |
How does Carroll County State Bank
collect my personal information? |
We collect your
personal information, for example, when you
■ Open an account or apply
for a loan
■ Pay your bills or
deposit money
■ Use your credit or debit
card
We also collect personal information from others, such as
credit bureaus, affiliates, or other companies. |
|
Why can't I limit all sharing? Federal law gives you the
right to limit only |
Federal law gives you the right to limit
only
■ sharing for affiliates
everyday business purposes information
about your creditworthiness
■ affiliates from using
your information to market to you
■ sharing for non
affiliates to market to you
State laws and individual companies may give you additional
rights to limit sharing. |
|
Definitions |
|
Affiliates |
Companies related by common
ownership or control. They can be
financial and nonfinancial companies.
■ Carroll County State
Bank does not share with our affiliates. |
|
Nonaffiliates |
Companies not related by common ownership
or control. They can be financial and non financial companies.
■ Carroll County State
Bank does not share with nonaffiliates so they
can market with you. |
|
Joint marketing |
A formal agreement between nonaffiliated
financial companies that
together market financial products or services to you.
■ Our joint marketing
partners include credit card companies. |
| Other
important Information |
|
| |
|
