Thank you for your
interest in the 1st Security Bank Internet Banking service. This
Agreement and Disclosure Statement provides information about the 1st
Security Bank 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.
The undersigned ("I" or "we"), in consideration of The 1st Security
Bank ("you" or "your") issuing me Login Codes for access to Internet
Banking, hereby agrees to be legally bound by the following terms and
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.
3. 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.
4. Liability for Unauthorized Transactions
I agree to contact you at once if I believe the Login Codes issued to
me has 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,
calling or e-mailing you at:
The 1st Security Bank
401 Main, P.O. Box 100, Roundup, MT 59072
I agree to pay the charges or transaction fees which are charged by
you for these services or for services which may later be offered as
such fees or charges may be imposed or changed from time to time.
6. 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 On-line
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.
I hereby acknowledge that I reviewed the online Banking Disclosure &
Agreement, informing me of my rights under the Electronic Fund
ONLINE BANKING DISCLOSURE STATEMENT
The purpose of this Disclosure Statement is to inform you of certain
rights that you have under the Electronic Fund 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
1st Security Bank.
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:
your Checking account(s);
Savings account(s); and
Make payments to:
Obtain the available balance(s) in:
Certificates of Deposit/IRAs
Obtain the current balance(s):
Certificates of Deposit/IRAs
· Obtain transaction history from:
your Checking account(s);
your Savings account(s); and
your Certificates of Deposit/IRAs
2. Banking Services
Our On-line Banking service is available 24 hours a day, 7 days a
week. However, we only process transactions and update information on
business days. Our on-line transfer business days are 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.
4. 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.
5. 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, calling or E-mailing us at:
The 1st Security Bank
Attn: Internet Banking Support
401 Main, P.O. Box 100, Roundup, MT 59072
Include in the message your name, address, telephone number and a
brief description of the problem. All E-mail requests will be answered
by close of the next business day.
6. Charges for Transactions
Depending on which service you subscribe to, you will be charged the
applicable On-line 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.
7. Record of
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.
8. 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.
Also, 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.
9. Your Liability
You agree to the terms of this On-line 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
10. Account Restrictions
Your name must appear in the legal title to make transfers between
accounts or to initiate bill payments. You may not transfer between
accounts with legal or signature restrictions. However, an account(s)
may be viewed if you are an authorized signer on the account(s).
11. Limits on On-line Banking Transactions
All transactions performed through our On-line Service will be
considered a Pre-authorized Electronic Funds Transfer.
12. 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
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
circumstances or persons beyond our control prevent, delay, intercept
or alter the transaction, despite reasonable precautions that we have
there are insufficient funds in your account to complete the
we have reason to believe that the transaction requested is
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
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.
13. 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.
14. 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.
You may terminate the Agreement and your On-line Banking Service at
any time upon giving written notice of the termination to us. If you
terminate, you authorize us to continue making transfers and bill
payments you have previously authorized until we have had a reasonable
opportunity to act upon your termination notice. Once we have acted
upon your termination notice, we will make no further transfers or
payments from your account If we terminate your use of your subscribed
On-line Service, we reserve the right to make no further transfers or
payments from your account, including any transaction you have
16. Disclosure of Account Information
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;
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.
17. Our Policy and Pricing Guide and Terms and Conditions on
Deposit Accounts are available at our banking office upon request.
A FULL SERVICE BANK - ACCOUNTS INSURED TO $100,000.00 BY FDIC
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