 |
||||||||||||||||||||
|
Internet Banking Agreement & Disclosure
Introduction This Internet Banking Agreement and Disclosure (“Agreement”) governs your use of Lone Star National Bank’s Internet Banking and discusses how you can use Internet Banking to obtain information about your account, transfer funds between your accounts, request certain other bank services and pay bills. The terms and conditions set forth herein are in addition to, and do not cancel or supersede, any other agreements or signature cards governing your deposits, loans or other business relationships with Lone Star National Bank. All of the terms, conditions, agreements, representations, schedules, disclosures, and fees set forth in or associated with such other agreements and signature cards remain in full force and effect. Before you use Internet Banking, you should read this Agreement carefully. Your use of Internet Banking or the use of Internet Banking by another whom you authorize to act on your behalf shall mean that you agree to be bound by the terms and conditions stated in this Agreement. Definitions You and your - The person(s) subscribing to or using Internet Banking. We, us, and our - Lone Star National Bank and any agent, independent contractor, designee, or assignee Lone Star National Bank may involve in the provision of Internet Banking. Business day - Any calendar day other than Saturday, Sunday, or any holidays recognized by Lone Star National Bank. Business day cut-off- Lone Star National Bank primary banking offices are located in Pharr, TX, and we base our business day on the Central Daylight Time zone. For posting purposes, we will process all transactions completed by 2:30PM on that business day. Transactions completed after 2:30PM, not including transfers, will be processed on the following business day. Account transfers conducted by 5:30PM will be processed on that business day. Account transfers conducted after 5:30PM will be processed on the following business day. About Internet Banking Lone Star National Bank’s Internet Banking consists of an online banking website that provides a complete array of financial services to its customers. Lone Star National Bank allows customers to access their data with up to six (6) months of full historical statements and complete transaction detail. Internet Banking is generally available twenty-four (24) hours a day, seven (7) days a week. However, at certain times, some or all of Internet Banking may not be available due to system maintenance. During these times, you may use a Bank ATM, StarAccess telephone banking, or a branch to conduct your transactions. The Internet Banking system that is accessible by Lone Star National Bank’s customers over the Internet currently consists of:
For customers who utilize the BillPay service, these additional functions are available:
Special commercial services may also be offered to accounts including:
Application Process You must complete the initial application process in order to utilize Internet Banking. This involves completing an application at any of our locations or completing a secure online application. Our Internet Banking Department will verify the information you submitted for accuracy and correct authorizations. In two (2) to three (3) business days after the submission of your application, you will be notified by mail of your Internet Banking User ID number and temporary Password. Log-On Security Security is very important to the Internet Banking system. At the time you request the service, you will be issued a unique “User ID” and a temporary “Password”. Upon your initial login, you will be prompted to change the assigned temporary “Password” to an alpha-numeric one of your choice that will then be used to gain access into the system. You should carefully select an alpha-numeric password that is hard to guess. Because your password is used to access your accounts, you should treat it as you would any other sensitive personal data. Keep your password safe. Memorize your password and never tell it to anyone. YOU SHOULD CONSIDER CHANGING YOUR PASSWORD OCCASIONALLY, SUCH AS EVERY NINETY (90) DAYS. THIS CAN BE DONE AT ANY TIME AFTER YOU LOG ON FROM THE “OPTIONS” MENU. To help prevent unauthorized access and ensure the security of your accounts, we will end your online session if we have detected no activity for ten (10) minutes. This is to protect you in case you accidentally leave your computer unattended after you have logged on. When you return to your computer, you will prompted to re-enter your User ID and Password in order to regain access into the system. To help secure the authenticity of your assigned User ID, if at any time it remains inactive during a duration of (90) ninety days it will be determined dormant. This will result in the system deleting your assigned User ID. You will then be required to re-apply to receive a new User ID in order to utilize the Internet Banking service. (Please refer to the BillPay Service section below for scheduled payments). Accounts You will have the option to tie any account of which you are a signer or owner to Internet Banking. You will be able to utilize the service to initiate payments or transfers from any of such tied accounts only if you have the required withdrawal authority over the account to be able to complete the transaction. By using Internet Banking, you agree to maintain one or more accounts with us and to keep sufficient balances in any account to cover any transactions and fees that are ultimately approved by or related to the system. If the accounts tied to Internet Banking are jointly held or have multiple signers, you agree that access to the information and all transactions initiated by the use of your User ID and Password are authorized unless we have been notified to cancel Internet Banking in accordance with the Termination section of this Agreement. Fees for Internet Banking Internet Banking, including balance inquiries, funds transfers and BillPay, is available to our existing personal and commercial account customers at no additional monthly charge; provided, however, that the fees and service charges provided for in your deposit, line of credit, loan, and other agreements with us, as described in our Schedule of Fees and Charges, may also apply to services (such as stop payment requests and check reorders) ordered online. Balance Inquiries and Funds Transfer Services You may use Internet Banking to check the balance of your accounts and to transfer funds among your accounts. Transfers may be limited in amount as provided in our agreements with you governing these services or in accordance with our bank policies. In addition, your ability to transfer funds between certain accounts is limited to Federal law, as stated in your deposit agreements with us. For example, you can make no more than six (6) electronic transfers from a savings account during each statement period. Transfers made using both Internet Banking and other transfer methods described in your deposit agreements with us are counted against the permissible number of transfers. We reserve the right to further limit the frequency and dollar amount of transactions from your accounts for security or credit reasons, as we may determine at any time at our sole discretion. Please refer to the Definitions section of this Agreement for account transfer cut-off times. Balances shown in your accounts may include deposits subject to verification by us. The balance may also differ from your records due to deposits in progress, outstanding checks or other withdrawals, payments or charges. A transfer request may not result in immediate availability because of the time required to process the request. If you have further questions, contact your Internet Banking Administrator at (800)580-0322 extension 2440 or 956-984-2433. The balances are updated periodically and the system will display the most current “as of” date on the “accounts” summary page. There may be situations that cause a delay in an update of your balances. The system will use the most current balance available at the time of a transaction to determine if a transaction may be approved. It is easy to pay bills online through our BillPay service, which is an electronic payment system that permits you to initiate and authorize certain payments from your accounts that are tied to the Internet Banking system. The BillPay service will also allow you to see a history of all the payments made from your accounts. We are able to process payments in United States Dollars to payees that have a US Postal address. We allow you to set up your payees by choosing from a large database of regional or national vendors (payees) that we have prepared. Subject to our and the payee’s approval, you will also be able to set up a payment to a payee that is not in the database by entering the necessary information about the payee; provided, however, that you agree not to use BillPay to pay payees to whom you are obligated for tax payments, to settle securities transactions or to make payments made pursuant to court orders or fines. You have the option of setting up a payment to occur on demand (one-time) or on a recurring frequency. Recurring payments are payments of a fixed amount that are paid at a regular time interval, such as monthly; on demand (one-time) payments are payments that vary in amount and/or date. If you use the BillPay service to authorize automated recurring payments, such payments must be for the same amount each month, and they will be sent on the same calendar day of each month or on the following business day if the regular payment day does not fall on a business day. After you have established an on demand payment or recurring payment, we will automatically execute bill payments according to your instructions until you have properly notified us, in accordance with our procedures in effect at the time, of any cancellation of your instructions. When you have entered and transmitted payment instructions, you authorize us to withdraw funds from your account accordingly. The daily limit for the total dollars of payments approved is governed by the system’s available balance in the checking account selected for making the payment. You can withdraw up to the system’s available balance as long as your account shows sufficient funds to cover your payments. (Refer to the Balance Inquiries and Funds Transfer Services section of this Agreement for additional information.) The payment will normally be charged to your account on the business day that it is received and processed by the payee. Payments made with BillPay utilize the Automated Clearing House (“ACH”) network, an electronic funds transfer system organized by the United States Treasury under Federal law and managed by the operating rules and guidelines of the National Automated Clearing House Association (NACHA). While the ACH network provides an efficient method of clearing electronic payments, it is not an instantaneous clearing method. Certain holds on funds occur with respect to ACH network processing. Please contact your Internet Banking Administrator if you have any questions regarding the BillPay Service or the ACH network. If for any reason a scheduled payment processed through the system is declined, it will automatically be rescheduled for the following business day. The system will continue to attempt to pay the bill on the following business days until there are sufficient funds or you cancel or reschedule it. Payments may be scheduled for the current business day or any business day in the future. All payments will be processed twice on each business day starting at 12:00PM and again at 2:00AM. Anything scheduled on a non-business day, or after the 2:00AM processing time, will not be sent out until the following business day. Please be advised that the payee may not process a payment on the business day that it is received. It is your responsibility to authorize your bill payments in such a manner that your bills are paid on time. When scheduling payments, you should take into account delays that are inherent in processing and sending bill payments. If the payee is to be paid by paper check, you understand and agree that the check is mailed to the payee and may not be received by the payee until seven (7) to ten (10) business days or more. If the payee is to be paid electronically, you understand and agree that the payee may not receive the payment until three (3) to five (5) business days or more. You understand and agree that further delays may be caused by the failure of the payee to process a payment on the business day that it is received. (Any delays caused by the payee/vendor would result in additional days before the payment would show on their records.) By using the BillPay service, you authorize Lone Star National Bank and any third party processing agent that we may select to use any payment method (electronic or paper) we choose to process each of your payments. You are responsible for any late payment or finance charge that may be imposed as a result of your failure to schedule payments or transmit payment instructions in a timely manner. Lone Star National Bank will not be responsible for the disengagement of your User ID due to system inactivity on your behalf. You are required to activate your User ID within the (90) ninety day period in which the User ID must be validated for all prearranged or scheduled payments to remain valid for processing. Failure to do so will result in the merchant receiving non payment. (Refer to Log-On Security Section above). To cancel a bill payment that you have scheduled, you must cancel the payment online the day the payment was created or scheduled provided that the payment is within the processing times noted above in this Agreement. You may also contact our Internet Banking Department at (800) 580-0322 ext. 2440 or 2433. The BillPay service is an optional service for checking accounts. You must specifically request to have this service removed. Other Services Through the Internet Banking system, you may submit a request to stop a payment on a check you have written or on an electronic draft that you have authorized, to reorder checks, to change your address or to order certain documents. The system provides you several means by which you can securely forward your request for such services to us for processing. Generally, requests received from the system will be processed within one (1) business day using procedures that would handle similar requests received by mail or fax. If urgent action is required, we recommend that you contact Lone Star National Bank directly by telephone or in person. There may be additional fees associated with some of these services. Additional terms of acceptance or disclosures may apply on the Stop Payment service and these terms will be disclosed at the time you complete the request. The Stop Payment service is not available to cancel the payments scheduled through the BillPay service. Our Liability for Incomplete Transactions We will process all bill payments properly initiated through the Internet Banking system in accordance with this Agreement; provided, however, that we reserve the right to refuse to honor payment requests that reasonably appear to us to be fraudulent. We will be responsible for your actual losses if they were directly caused by our failure to complete a bill payment or transfer to or from your accounts on time or in the correct amount according to this Agreement. However, there are some exceptions. We will not be liable, for instance, if any of the following occurs: 1. Funds are not showing on the system’s available balance in your account that is to pay for the bill or transfer at the time of transaction. 2. Funds are subject to legal process or other encumbrances restricting the payment or transfer. 3. You had knowledge of or questions about the possible malfunction of the system when you initiated the transaction. 4. Any information provided by you is incorrect or incomplete or you did not follow our instructions for the BillPay service. 5. There are any delays in the handling of the payment by the payees. 6. Natural disasters (fire, flood, tornado, etc.) or other uncontrollable circumstances (mail delays, power failures, war, acts of terrorism etc.) prevented proper completion and delivery of transactions. 7. Other applicable laws and/or regulations exempt us from liability. 8. It can be shown that the merchant or payee received the payment within the normal delivery timeframe and failed to process the payment through no fault of Internet Banking or our service providers, servicing agents and contractors involved in the provision of Internet Banking. 9. It can be shown that the delay was caused by unusual mailing delays by the US Post Office. Overdrafts; Order of Payments It is your responsibility to ensure that you have enough money or credit available in an account from which you instruct Internet Banking or BillPay to make a payment or transfer. If funds are withdrawn from any of your accounts by means of electronic fund transfers, other than through Internet Banking on same business day as an Internet Banking transaction, and if such account contains insufficient funds to enable both the electronic funds transfer and the Internet Banking transfer to be made, the transfers will be made in the order determined by us, in our sole discretion. You are fully obligated to us to provide sufficient funds for any payments or transfers you make or authorize to be made. If we complete a payment or transfer that you make or authorize and we subsequently learn that you have insufficient funds for the transaction, you agree to reimburse us upon our demand, and you further agree that we may reverse the transaction or offset the shortage with funds from any other deposit accounts you have with us to the extent permitted by the applicable law and the terms of any other relevant agreements. Unauthorized Transactions, Errors and Questions You are responsible for all transfers and bill payments you authorize using Internet Banking services. If you permit other persons to use your User ID and Password, you are responsible for any transactions they authorize from your deposit and credit accounts. If you discover that your User ID and Password have been compromised, lost, stolen or used without your authorization, notify us immediately. Telephoning our Internet Banking Department at (800) 580-0322 extension 2440 or 2433 is the best way of limiting your possible loss. If we are notified within two (2) business days after you discover that your User ID and Password have been compromised, lost or stolen, you can lose no more than $50 if someone used it without your permission. If you do not notify us within two (2) business days, and we can prove we could have prevented someone from using the User ID and Password without your permission, you could lose as much as $500 from each deposit account. If your statement shows unauthorized transactions or errors, or if you have questions about a transaction on your statement, you must write us a letter no later than sixty (60) days after we sent you the first statement on which the unauthorized transaction or error appeared. If you do not tell us in writing about unauthorized transactions or errors within sixty (60) days after such statement is mailed to you, you may not get back any money that you lose after the sixty (60) day period if we can prove that, if you had told us about the unauthorized transactions or errors within such sixty (60) day period, we could have stopped someone from taking the money. If your User ID and Password were involved in the unauthorized transaction that appears on your statement, you may also be liable for the amounts set forth in the preceding paragraph. In your letter, which should be addressed to Lone Star National Bank, Internet Banking Department, P.O. Box 1127 Pharr, TX 78577, please give us the following information: 1. Name 2. Account Number and User ID 3. Description of the error or what you are unsure about, plus an explanation of why you believe it is an error or why you need more information 4. The amount of the error 5. For a BillPay error also tell us: · Checking account number used to pay the bill · Payee name · Date the payment was sent · Confirmation number · Payment amount · Payee account number for the payment in question Once we have received your letter, we will investigate the information on your statement. If your account is a new account (your account is considered a new account for the first thirty (30) days after the first deposit is made, unless you already had an established account with us before the account was opened), we will tell you the results of our investigation within twenty (20) business days after we hear from you in writing; provided, however, that if we need more time, we may take up to ninety (90) business days to investigate. If we choose to take up to ninety (90) business days to investigate, we will give you a provisional credit to your account within twenty (20) business days. If your account is not a new account, we will tell you the results of our investigation within ten (10) business days after we hear from you in writing; provided, however, that if we need more time we may take up to forty-five (45) business days to investigate. If we choose to take up to forty-five (45) business days to investigate, we will give you a provisional credit to your account within ten (10) business days. If we decide there was no error, we will furnish you with a written explanation within three (3) business days after the investigation is complete. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your statement that are not in question. While we investigate your amount in question, we cannot report you as delinquent or take any action to collect the amount in question. Disclosure of Account Information to Third Parties Information to third parties about your account(s) or the transaction(s) you make will only be disclosed if at least one of the following applies: 1. It is necessary to complete a transaction. 2. It verifies the existence and condition of your account to a third party such as a credit bureau or merchant. 3. It is necessary to comply with a governmental agency or court order. 4. It has been authorized by you, which authorization we may require to be in writing. 5. It involves the collection of information for internal use or for the use of our service providers, servicing agents and contractors involved in the provision of Internet Banking. 6. It involves a claim by or against us concerning a deposit to or withdrawal from your account. 7. It is otherwise required or permitted under state or federal laws and/or regulations. Computer Hardware and Software; Virus Protection In order to use Internet Banking, you must have your own Internet Service Provider and the computer equipment required by your browser. In this Agreement, your computer and the related equipment are referred to collectively as your “Computer.” You are responsible for the installation, maintenance, and operation of your Computer and your software. The risk of error, failure, incompatibility or nonperformance, including the risk that you do not operate your Computer or your software correctly, is your own risk. Lone Star National Bank is not responsible for any errors or failures from any malfunction of your Computer or your software. We shall have no liability to you for any damage or other loss, direct or consequential, which you may suffer or incur by reason of your use of your Computer or your software. LONE STAR NATIONAL BANK MAKES NO WARRANTY TO YOU REGARDING YOUR COMPUTER OR YOUR SOFTWARE, INCLUDING ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. We make no representations or warranties regarding the accuracy, functionality, or performance of any third party software that may be used in connection with Internet Banking (e.g., Quicken, Microsoft Money). Lone Star National Bank is not responsible for any electronic virus or viruses that you may encounter. We encourage you to routinely scan your Computer and software using a reliable product to detect and remove any viruses. Undetected or unrepaired viruses may corrupt and destroy your programs, files and even your hardware. Additionally, you may unintentionally transmit the virus to other computers. Limitation of Liability IN NO EVENT SHALL LONE STAR NATIONAL BANK BE LIABLE FOR SPECIAL, INDIRECT, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL LOSS OR DAMAGE OF ANY KIND INCLUDING LOST PROFITS, WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGE. No Signature Requirements When any Internet Banking service generates items to be charged to your account, you agree that we may debit the designated account, or the account on which the item is drawn, without requiring your signature on the item and without any notice to you. Termination You may terminate Internet Banking by contacting Lone Star National Bank in writing by mail, e-mail, telephone or personal delivery to Lone Star National Bank. We reserve the right to terminate this Agreement and your access to Internet Banking, in whole or in part, at any time without prior notice to you for any other reason in our sole discretion. Further, if your account is closed, charged off, or restricted for any reason, Internet Banking accessibility will automatically terminate. Termination will not affect any liability or obligation of either party incurred hereunder prior to termination. Upon termination, we reserve the right to make no further payments or transfers pursuant to this Agreement, including payments or transfers you have previously authorized. If you terminate Internet Banking, you authorize us to continue making transfers you have previously authorized until such time as we have had a reasonable opportunity to act upon your termination notice. You agree that upon termination of Internet Banking, either by you or by us, you will cancel all automatic or recurring transfers you have previously authorized, and that if you fail to do so, you are responsible for such payments. In order to initiate the reinstatement of Internet Banking, you must visit one of Lone Star National Bank’s branches or call our Internet Banking Department at (800) 580-0322 extension 2440 or 2433. Periodic Statements; The Electronic Funds Transfer Act You have a right under Federal law to receive periodic statements for accounts governed by the Electronic Fund Transfer Act (“EFTA”) and Regulation E (“Reg E”) promulgated thereunder. Your Internet Banking payments and transfers will be indicated on monthly statements we provide or make accessible by mail or delivery service. We may also provide or make accessible to you statement information electronically or by some other means. You agree to notify us promptly if you change your address or if you believe there are errors or unauthorized transactions in any statement, or statement information. The provisions of the EFTA were provided to you when you opened your account. If you would like to receive an additional copy of your rights under the EFTA and/or Reg E, contact your local Lone Star National Bank branch or call our Internet Banking Department at (800) 580-0322 extension 2440 or 2433. Notices and Communications Except as otherwise provided in this Agreement, all notices required to be sent to you will be effective when we mail or deliver them to the last known address that we have for you in our records. Notices from you will be effective when received by mail at the following address: Lone Star National Bank In general, communications sent over the public Internet are not necessarily secure. Therefore, we will not send, and we strongly suggest that you do not send, any confidential account information via regular email. Use our secure “Contact Us” form for all Internet communications. You agree that we may take a reasonable time to act on any “Contact Us” communications. Correspondence that requires expeditious handling (i.e. if you need to report an unauthorized transaction from one of your accounts) should be made by visiting your local branch or calling (800) 580-0322 extension 2440 or 2433 during regular business hours. Unless you have instructed us otherwise, you agree that we may send you electronic messages about products or services we offer. Governing Law This Agreement will be governed by and construed and interpreted in accordance with the substantive laws of the State of Texas, without giving effect to any conflicts of law, rule or principle that might require the application of the laws of another jurisdiction. Assignment You shall not assign this Agreement, or any of the rights, interests or obligations hereunder, to any other party. We shall be permitted to assign or delegate this Agreement, or any of the rights, interests or obligations hereunder, to any other party. Instructions and Amendments Any instructions we may issue for the use of Internet Banking are a part of this Agreement and are incorporated herein by reference for all purposes. Subject to any applicable notice requirements imposed by the EFTA and Reg E, we may change or add any fees, modify the instructions for Internet Banking, or otherwise amend this Agreement in whole or in part at any time. No Waiver Lone Star National Bank shall not be deemed to have waived any of its rights or remedies under this Agreement unless such waiver is in writing and signed by Lone Star National Bank. No delay or omission on our part in exercising our rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions. Captions The captions of sections hereof are for convenience only and shall not control or affect the meaning or interpretation of this Agreement. Venue; Enforcement In the event either party brings legal action to enforce this Agreement or collect overdrawn funds on accounts accessed under this Agreement, the prevailing party shall be entitled, subject to applicable law, to payment by the other party of its reasonable attorney’s fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions, if applicable. If there is a lawsuit, the parties hereto agree that exclusive venue for such suit shall be in the State of Texas, if allowed by applicable law. Severability Should any part of this Agreement be held invalid or unenforceable, that portion shall be construed consistent with applicable law as nearly as possible to reflect the original intent of this Agreement, and the validity, legality and enforceability of the remaining portions of this Agreement will not in any way be affected or impaired thereby. Ownership of Material Lone Star National Bank is a member of the Jack Henry and Associates Inc. Network, and Lone Star National Bank’s Internet Banking is a product of Jack Henry and Associates Inc. NetTeller and the Internet Banking service are a trademark of Jack Henry and Associates Inc. Unauthorized reproduction in whole or part is prohibited. Privacy Statement We understand how important privacy is to our customers. We have taken steps to insure your security and privacy for your personal and financial dealings with us. Our customer privacy statement can be obtained by contacting your local Lone Star National Bank branch or by calling the Internet Banking Department at (800) 580-0322 extension 2440 or 2433. Internet Security Information Lone Star National Bank’s Internet Banking system is part of the Jack Henry and Associates Inc. Network that utilizes a comprehensive security strategy to protect your accounts and transactions conducted over the Internet. In-depth information on many of the techniques and features employed by the system can be viewed or printed from our website where the system’s consumer or commercial features are explained under “Security.” In addition to our log-on security, we use the SSL (secure socket layer) encryption technology for everything you do in the Internet Banking system. This technology is automatically activated by your browser when it attempts to connect to our system and will support 128- bit key lengths. Whenever SSL is securing your communications, the browser will typically indicate the “secure session” by changing the appearance of a small icon of a padlock at the bottom of the screen from open to locked. What this means to you is that your communications are scrambled from your browser to our servers at all times so no unauthorized party can read the information as it is carried over the Internet. In addition, our servers have been certified by a “Certificate Authority” that will assure you that you are actually talking to our servers instead of someone pretending to be us. (If you are using an older browser, such as anything prior to versions 6.0 on Netscape or Internet Explorer, the “Certificate Authorities” key may be expired and you may need to update it on your browser. You can obtain instructions on how to do this by clicking on the Test Browser icon located on the Internet Banking system login page.) During your use of the Internet Banking system, we will pass a “cookie” to your browser for identifying you during the session. We do not (and cannot) use our cookies to obtain new information about you. A “cookie” is security data that is given to a browser by a web server that is returned by the browser on subsequent transmissions to identify the user and encryption information. When you log onto the system, this cookie enables us to process multiple transactions during the session without you having to provide your User ID and Password for each individual transaction. When you log off, or after ten (10) minutes, the cookie is no longer accepted and must be renewed by requiring the User ID and Password to be re-entered. A new cookie is used for each session. That way, no one can use the cookie to access your account. In addition to the security measures described above, there may be other security notices posted on the website regarding security issues. It is your responsibility to read all applicable notices. One of the main security features guarding the use of the Internet Banking system is the unique combination of your User ID and Password. It is important that you keep your password secret. We will not be liable for any losses resulting from your permitting other persons to use your User ID and Password to access the system. If you have more questions about our security systems for conducting transactions safely over the Internet, contact our Internet Banking Department at (800) 580-0322 extension 2440 or 2433. |
||||||||||||||||||||
|
|
