This Internet Banking Agreement (IBA) governs your use of the Internet Banking Service that permits our customers to access a number of financial services through the use of the Internet. Also included in this document are the regulatory disclosures applicable to these services. Throughout this web site the IBA and Disclosure will be referred to as "Agreement". By using Internet Banking, you agree to all of the terms of this Agreement. You must read this Agreement before enrolling in our Internet Banking Service and initiating any electronic funds transfers via the Internet. Please read it carefully before following the link at the bottom of this page or accessing any of the Services. We recommend that you print a copy of this document for your records; however, if you cannot, contact us at the number provided below and we will mail you a copy.
Accounts and services provided by this financial institution may also be governed by separate agreements with you. This Agreement supplements any other agreements or disclosures related to your account(s), including the Deposit Account Agreement provided to you separately.
You or Your - The person(s) subscribing to or using Internet Banking.
Business Day - Any calendar day other than Sunday, Monday, or any holidays recognized by Normangee State Bank. Bill payments are processed on all business days that both the Federal Reserve Bank and the US Postal System are operating and open for business.
Business Day Cut-Off - Normangee State Bank is located in Normangee, Texas and we base our business day on the Central Time zone. For posting purposes, we will process all transactions completed by 6:00 p.m. on that business date. Transactions completed after 6:00 p.m. will be processed on the following business day.
Electronic Funds Transfers - Include deposits to, withdrawals from, or transfers between your accounts, which are not originated by check, draft, or similar paper instrument. Electronic transfers include those made through a computer. If we authorize your account(s) for electronic transfers through the Internet Banking Service, you have certain rights and responsibilities under the Electronic Funds Transfer Act (EFT) that are further detailed in this agreement.
Privacy Statement - This financial institution understands how important privacy is to our customers. We have taken steps to protect the security and privacy of your personal information as well as your financial transactions with us. You should read our privacy statement before completing enrollment for Internet Banking. Our customer privacy statement can be obtained by clicking on the following link. - Privacy Statement
About Internet Banking
Our Internet Banking Service ("Service") consists of an online banking web site that provides a complete array of financial services to our customers. Our Service allows you to access your account information 24 hours a day, 7 days a week. The services currently available to our customers via the Internet consist of:
For customers who select Bill Payment, these additional functions are available:
Internet Security Information
Our Internet Banking Service is provided by Fiserv. Fiserv utilizes a comprehensive security strategy to protect your accounts and transactions conducted over the Internet. In addition to log-on security, Fiserv uses 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 it will support 128 bit key lengths, although we will warn you when your browser is set to use the lower security level encryption of 128 bits. 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 4.0 on Netscape or Internet Explorer, the "Certificate Authorities" key may be expired and you may need to update it on your browser.
One of the main security features guarding the use of the Internet Banking system is the unique combination of your Access Code and Pass code. It is important that you keep your Pass code secret. We will not be liable for any losses resulting from you permitting other persons to use your Access Code and Pass code to access the system.
The Internet Banking service requires that you complete the initial enrollment process. This involves completing a small online form on our First Time Enrollment page.
Security is very important to the Internet Banking Service. At the time you request the service, you will select a unique "Access ID" and then choose a "pass code" that will be used to gain access to the system. Prior to activation, the Internet Banking department will verify your identity and authorization to information associated with the account(s) that you request to be tied to the service. To ensure that you select a good secure pass code, our system uses a program called a "pass code cracker" that will not allow words found in a dictionary or associated with your name, address or other personal information. The system will provide helpful tips to help you select a good pass code.
Because your pass code is used to access your accounts, you should treat it as you would any other sensitive personal data. You should carefully select a pass code that is hard to guess. The "pass code cracker" will encourage you to stay away from names, dates, and information that may easily be guessed. Keep your pass code safe. Memorize your pass code and never tell it to anyone. You should change your pass code occasionally, such as every 90 days. This can be done at any time after you logged on from the "services" menu.
You may request Internet access to any account that you are a signer or owner. If you desire services that allow you to initiate payments or transfers from the account, you will need the required withdrawal authority over the account to be able to complete the transaction. By using the Internet Banking Service, you agree to maintain one or more accounts with us and to keep sufficient balances in any account to cover any transaction and fees that are ultimately approved by or related to the system. If the accounts added to the service are jointly held or have multiple signers, you agree that access to the information and all transactions initiated by the use of your Access Code and Pass code are authorized unless we have been notified to cancel the service.
Fees for the Internet Banking Service
Internet Banking is available to our consumer and small business customers at no monthly charge for all the account information services and transfers. Bill Pay is an optional service available only for checking account holders. If you elect to use the Bill Pay service, your account will be charged a service fee of $5.00 per month.
Cancellation of Internet Banking
Your Internet Banking Service may be canceled at any time by this financial institution in whole or part without prior notice due to insufficient funds in one of your accounts or other circumstances that may create an unanticipated liability to us. You will remain responsible for all transactions approved by the system prior to the cancellation, and for any other fees associated with the service. After cancellation, service may be reinstated once sufficient funds are available in your accounts to cover any fees and other pending transfers or debits. In order to reinstate services, you must call the Normangee State Bank at (936) 396-3611.
Balance Inquiries, Bill Payments, and Transfer Limitations
You may use the Internet Banking Service to check the balance of your account (s) and to transfer funds among your accounts at this financial institution. Current federal regulations limit the number of transactions allowed on Money Market and Savings accounts. These accounts allow no more than six (6) pre-authorized transfers including ACH debits, transfers pursuant to a pre-authorized agreement to cover overdrafts on a transaction account by means of pre-authorized or automatic transfer, telephonic agreement, order or instruction and no more than three (3) of the six authorized transfers may be authorized by check, draft, debit card, or similar order made to third parties. With that, this financial institution currently limits the bill-payment service to checking accounts only.
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. The transfer request must be made before the cut-off time to be available for bill pay on the same business day. If you have further questions, contact us at (936) 396-3611.
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 base our approval for bill pays and account transfers.
Canceling or Changing Payment / Transfers
To stop recurring or pending bill payments and transfers you must log in and make edits to pending payments and transfers. You must make edits before our cut-off time of 6:00 p.m. CST for any payments and transfers scheduled to be processed that business day. Up to that time, you may go into any pending payment and revise the amount (change to $0.00 to cancel) or payment information. You cannot cancel or edit a transfer once it has been approved, unless it has been pre-scheduled - in which case you have until our cut-off time of 6:00 p.m. CST to cancel or edit the transfer instruction. If you accidentally transferred funds, simply schedule another transfer to move funds back to the original account. Once processed, you cannot edit bill payments that are issued to payees electronically. If you need to issue a stop payment on bill payment issued by paper check contact us as soon as possible.
If you contact us verbally and direct us to stop a bill payment or transfer 3 business days or more before the transaction is scheduled to be deducted from your account, and we do not do so, we will be liable for your losses or damages. We may provide you directions so that you can make the appropriate payment or transfer edits. If you contact us verbally, we may request that you put your request in writing.
Bill Payment Service
To enroll in our online Bill Payment Service, you must sign up in person at Normangee State Bank. Bill Pay is an optional service available only for checking account holders. If you elect to use the Bill Pay service, your account will be charged a service fee of $5.00 per month.
If your account does not have sufficient funds to issue the scheduled payment, you may be charged an insufficient funds charge.
The time frames generally will be determined by the way the payment is sent to the payee. If we, or the bill payment-processing agent has to send a paper check in the US Postal system, we typically suggest sufficient time as five (5) business days prior to the payee receiving the payment for processing at their address. If the payee accepts the payment electronically, we generally define sufficient time as two (2) business days prior to the payee receiving the payment. In all cases, the payment should be delivered to the payee/vendor by the tenth business day after the payment was approved and charged to your account.
Our Liability for Failure to Make Payments, Transfers
It is our responsibility to process all bill payments and account transfers properly initiated through the Internet Banking system in accordance with this Agreement. We will be liable for damages, as specified below in the Payment Guarantee section of this Agreement, where the system caused a payment delay or failed to process a payment to be received by the payee/vendor by the tenth business day following the date your account was charged for the payment.
Transfers will be processed within one business day of the completed transfer transaction if the transfer request is made by 6:00 p.m. CST. We will not be liable if any of the following occurs.
We will reimburse you up to $50 per payment for any late payment fees or penalties you are charged as a result of the Payee/Vendor not receiving a payment by the Due Date if all the following apply:
In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer, and we will not be liable for any incidental, special, or consequential damages. There may be other exceptions stated in our deposit account agreements with you.
Documentation And Verification of Payments and Transfers
Information regarding Internet Banking transactions will be reflected on the account detail in our online banking system and in your regular monthly account statement(s).
Notice of your Rights and Liabilities under the EFT Act
The EFT Act provides you with certain rights and responsibilities with respect to electronic fund transfers via our Internet Banking system. Your rights and responsibilities in the event of an unauthorized bill payment or unauthorized account transfer are disclosed below. Please read the following EFT disclosures carefully. You should print this document for future reference. Instructions for printing are provided below and in our User's Service menu. You may obtain a hard copy of this document from us at any time by calling or sending us an email or upon request in person.
Your Responsibilities and Liability for Unauthorized Use
If you believe your access ID, or pass code has been compromised, lost, or stolen, or that someone has transferred or may transfer money from your account without your permission, call us immediately at the following number: (936) 396-3611.
Telephoning is the best way of keeping your possible losses to a minimum. If you suggest that an unauthorized transfer or payment may have occurred, we may require you to sign an affidavit.
You could lose all the money in your account. If you tell us within two (2) business days after you learn that your access ID and pass code have been compromised, lost, stolen, you can lose no more than $50.00 if someone used your pass code without your permission. If you do not tell us within two (2) business days, after you learn of the loss or theft of your pass code and we can prove we could have stopped someone from using your access ID, pass code without your permission if you had told us, you could lose as much as $500.00.
Also, if your statement shows electronic transfers that you did not make or authorize, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.
If a good reason (such as a long trip or hospital stay) kept you from telling us, we may extend the time periods to a reasonable time.
Errors and Questions
In case of errors or questions concerning transactions completed within the Internet Banking Service, as soon as possible you should telephone Normangee State Bank at (936) 396-3611. We must hear from you within 60 days after we transmit the first statement or notification in which the error or problem appeared. Please include the following information:
For a Bill Payer error tell us:
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
If you believe an error, other than an electronic funds transfer problem has occurred, you can call us at (936) 396-3611 for information about how to handle the problem.
Disclosure of Account Information to Third Parties
Information about your account(s) or the transaction(s) you make will be disclosed to third parties only if at least one of the following applies:
If you agree, we may send you certain disclosures electronically in the future. Please contact us for additional information.
Internet banking and electronic delivery of statements requires that your Internet browser be (Secure Socket Layer) SSL compliant. Most popular browsers support this security feature. We require this to maintain our high security level. If you have an early version of the WebTV browser it will not be SSL compliant. However, the new version 2 and 3 currently support SSL. Some screens in Internet banking are maximized for computer users who can set their monitors to a resolution of 800x600 pixels. This requires WebTV users to scroll across on some pages. We cannot guarantee that Internet banking screens will appear as intended with WebTV browsers.
Our Internet banking system currently works with Netscape 6.0 and higher and with Internet Explorer 5.5 and higher, and we strongly recommend that you download the latest versions of your preferred browser software with 128-bit encryption. We encourage you to use 128-bit encryption if possible (also called "domestic" or "U.S." grade encryption) although, if you travel overseas, you may want 40-bit access as well. The system will inform you when you log in whether you are using a 40-bit browser or not.
You are solely responsible for the maintenance, installations, and operation of your computer. This financial institution shall not be responsible for any errors, deletions, or failures that occur as a result of any malfunction of your computer or software, nor will we be responsible for any computer virus that affects your computer or software while using our Internet Banking Product. We encourage our customers to routinely scan their PC and diskettes using a reliable virus detection product. Undetected or un-repaired viruses may corrupt and destroy your programs, files, and even your hardware. Additionally, you may unintentionally transmit the virus to other computers.
By assessing our Internet Banking system, you agree that we shall not be liable for any indirect, incidental, or consequential costs, expenses, or damages (including lost savings or profit, lost data, business interruption, or attorney's fees.)
Wide Text Statements and other Special Printing Instructions
For certain accounts, our statement format may be wider than your browser's default printer setting support and may not automatically print correctly or cut off the right-hand side of the page. Our "help" section will explain how to change the browser's printer settings to show the entire statement. Additionally, many of our pages actually contain several areas of information. To print the section that you want, you may want to always click once in the area with the left mouse button to let the browser know which "frame" section you want to print.
You may terminate the use of our Internet Banking Service by contacting us via US mail or personal visit to Normangee State Bank / 116 Main Street / Normangee, Texas 77871. If your account(s) is closed or restricted for any reason, or if there has been not Internet Banking or Bill Payment Activity for a period of 3 consecutive months, Internet Banking accessibility will automatically terminate. We may at anytime cancel all or part of the Services we generally offer.
If you terminate bill payment service, you authorize us to continue making payments and other previously authorized transactions until we have a reasonable opportunity to act upon your termination notice; you also agree to pay all applicable fees and charges. Once we have acted on your notice, we have no further responsibility to make any payments or previously authorized transactions.
This Agreement shall be governed by and construed in accordance with the laws of the State of Texas.
This agreement may not be assigned to any other party by you. We may assign or delegate, this agreement in part or whole, to any third party.
Terms and conditions of this Agreement may be amended in whole or part at any time within thirty (30) days written notification prior to the change taking effect. We may notify you of such changes by US mail, or if you agree, we may send you an e-mail notice, which details the changes. E-mail notifications may also direct you to a section of our website which will include the changes. Amendments or changes to term(s) or condition(s) may be made without prior notice if it does NOT result in higher fees, more restrictive service use, disclosure of additional account information to third parties, or increased liability to you. Also, if a change in term(s) or condition(s) is necessary to maintain or restore the security of our system or your account(s), no advance notice is required and we will then notify you within thirty (30) days following such action. If you do not agree with the change(s), you must notify us in writing prior to the effective date to cancel your access to the Service. Your continued use of the affected change in Service is your agreement to the amendment (s).
This Agreement supplements any other agreements or disclosures related to your account(s), including the Deposit Account Agreement and Disclosures provided to you separately.