Thank
you for your interest in the
Poynette Bank Internet
Banking service. This
Agreement and Disclosure
Statement provides
information about the
Poynette 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.
ONLINE BANKING AGREEMENT
The undersigned ("I" or
"we"), in consideration of
Poynette Bank ("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 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:
4. Charges
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.
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
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.
6. Disclosure
I hereby acknowledge that I
reviewed the online Banking
Disclosure & Agreement,
informing me of my rights
under the Electronic Fund
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 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 Poynette 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);
· your
Savings account(s); and
Obtain the available
balance(s) in:
·
your Checking
account(s);
·
your Savings
account(s); and
·
your Loans
·
your Certificates of
Deposit/IRAs
Obtain the current
balance(s):
·
your Checking
account(s);
·
your Savings
account(s), and
·
your Loans
·
your Certificates of
Deposit/IRAs
Obtain transaction history
from:
-
your Checking account(s);
-
your Savings account(s);
and your Loans
-
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.
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,
calling or E-mailing us at:
Bank of Poynette
PO Box 67 – 105 South
Main Street
Poynette, WI 53955
PHONE: (608) 635-4351
Email Address:
OnLineBanking@Poynettebank.com
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.
5. 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.
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.
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.
8. 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 writing.
9. 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).
10. Limits on On-line
Banking Transactions
All transactions performed
through our On-line 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
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
previously authorized.
15. 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; 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.
16. Our Policy and
Pricing Guide and Terms and
Conditions on Deposit
Accounts are available at
our banking office upon
request.
FDIC Insurance -- FDIC
insurance applies $100,000
coverage to all deposit
accounts except for owners
of "self-directed"
retirement accounts which
are insured up to $250,000.
Before
agreeing, please
Print This Page for your
records.
Important New Authentication
Procedures
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