Online Banking Agreement
This Online Banking Agreement ("Agreement") contains the terms and conditions that apply to your use of the Online Banking Service. By using the Online Banking Service, you agree to abide by the terms and conditions contained herein. This Agreement will be governed by and interpreted in accordance with federal law and regulation, and to the extent there is no applicable federal law or regulation, by the laws of the State of Illinois. If you do not agree to any of the terms and conditions contained in this Agreement, you may not use the Online Banking Service(s).
The following definitions apply to the terms contained in this Agreement:
“Online Banking” is defined as all products and services offered by this bank by means of the Internet.
“Business Day” is defined as Monday through Friday, excluding the Federal Holidays or as otherwise posted in the bank.
The terms “we”, “our”, and “us,” refer to State Bank of Chrisman.
“You” and “your” refer to anyone authorized to sign checks or make withdrawals on your account(s) and to anyone else you authorize to use the Online Banking on your behalf.
This Agreement is in addition to any other agreements between you and the Bank or disclosures we have provided to you in the past or may make to you in the future.
To access the Online Banking Service you must be an Authorized User. To be an "Authorized User" you must read and agree to the terms of this Agreement, have an eligible account with the Bank, have access to the internet, and have obtained an user ID and password. We may refuse to allow certain accounts, such as accounts with special signature requirements, to become eligible for Online Banking. Online Banking will be available 24 hours a day. However, at certain times and without notice to you, some or all of the Service may become unavailable due to system maintenance.
The Bank reserves the right to amend or terminate this Agreement, the
Online Banking or your access to Online Banking at any time without prior
Except as otherwise expressly provided for in this Agreement or by applicable law, Bank is not responsible for any loss, injury, or damage, whether direct, indirect, special, consequential or otherwise, caused by the Online Banking or your use of the Online Banking.
2. Liability for Failure to Make Transfers
If State Bank of Chrisman does not complete a transfer to or from your account on time or in the correct amount according to the account agreement with you (including, but not limited to, all rules and regulations governing your account) , we will be liable for all losses not to exceed the amount of the transfer. However, there are exceptions. State Bank of Chrisman will not be liable for, including but not limited to, the following:
3. Exclusions of Warranties
THE INFORMATION CONTAINED OR ACCESSED IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ERROR-FREE OR UNINTERRUPTED SERVICE. IN NO EVENT SHALL THE BANK BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND, OR ANY DAMAGES WHATSOEVER RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER OR NOT ADVISED OF THE POSSIBILITY OF DAMAGE, AND ON ANY THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THIS INFORMATION. THE INFORMATION CONTAINED ON THIS WEB SITE MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES MAY BE PERIODICALLY MADE TO THE INFORMATION CONTAINED HEREIN.
4. Protecting Your Password
The only way to access your accounts via Online Banking is to use your password. The password requirement is designed to prohibit unauthorized use of your accounts. You are responsible for preventing the unauthorized use of your password and should keep your password private at all times.
You may transfer funds between your checking, savings and money market accounts via Online Banking. A transfer initiated via Online Banking before 2:00 p.m. (Central time) on a Business Day will be posted to your account the same day. Transfers after 2:00 p.m. (Central time) or on non-Business Days will be posted the next Business Day. You must have sufficient funds or credit in your account from which you have instructed the Bank to make a transfer. All transfers are subject to the withdrawal restrictions and requirements contained in the Truth-in-Savings Disclosures, which you received when you opened your deposit account.
6. Loan Payment Options
You may make payments on your loans with the Bank as follows:
7. Loan Payment Procedures
You authorize us to follow your payment instructions. For a One-Time
Payment, we will deduct your payment from your checking or savings account
on the date you schedule the payment to be sent ("Payment Date")
or within 2 Business Days thereafter. For a Repeating Payment, we will
deduct your payment from your account on the start date ("Start Date")
or within 2 Business Days thereafter; we will deduct subsequent payments
from your account using the Start Date as a reference point.
8. Consumer Accounts
Any owner of a joint account may access the account by applying for and using the Internet Banking, and we are not required to provide prior notice to the other owner(s). Accounts (a) which require the signature of more than one individual for transactions, or (b) for which you are only an authorized signer but have no ownership rights, do not qualify for use via the Online Banking. The Bank reserves the right to determine whether or not an account is eligible to be accessed via the Online Banking.
The Bank is not responsible for any computer virus or related problems that may be associated with the use of any online system, including the Service. The Bank highly recommends the use of a manufacturer-recommended virus detection software.
Unless otherwise indicated for certain additional features, there are no fees for utilizing the Online Banking. However, fees, as described in the applicable product or account disclosure statement, may apply to services ordered via Online Banking and to transfers from a credit account (e.g. monthly service charges for deposit accounts, finance charges for credit accounts, service charges, overdraft fees, etc.). You may also incur fees for the telephone, equipment and internet services you use to access the service. The Bank retains the right to modify and add fees.
You may terminate your use of the Online Banking by sending the Bank written notice of termination no less than ten (10) Business Days prior to termination at one of the following address: State Bank of Chrisman, 202 West Madison, Chrisman IL 61924 or Paris First, 600 E. Jasper St., Paris, IL 61944. In addition, upon termination of the Online Banking, you must separately cancel all account transfers, line of credit transfers and/or payments scheduled through the Online Banking. If you do not cancel the transactions, such payments or transfers prior to termination of the Online Banking may be completed. We may terminate your use of the Online Banking, in whole or in part for any reason, at any time without prior notice.
12. New Services
We may introduce new features to Online Banking or enhance existing features of Online Banking from time to time. Unless we state otherwise, they will be subject to the terms of this Agreement.
13. Website Ownership
The content, information and offers on our website are copyrighted by the Bank and the unauthorized use, reproduction, linking or distribution of any portion is strictly prohibited.
14. Receipt and Review of all Required Disclosures
You hereby acknowledge that you have received and read this Agreement in its entirety and all applicable account disclosures.
15. Disclosure of Account Information to Third Parties
We will disclose information to third parties about your account or the transfers you make:
16. Customer Service
You may contact State Bank of Chrisman by calling (217) 269-2339 or Paris First (217) 465-6360 during regular business hours.
17. Electronic Funds Transfer Errors
In case of errors or questions about your electronic transfers, contact
either State Bank of Chrisman at (217) 269-2339 or write to us at: State
Bank of Chrisman, 202 West Madison, Chrisman IL 61924; or Paris First
(217) 465-6360 or write to us at: Paris First, 600 E. Jasper St., Paris,
If you believe your password has been stolen notify either State Bank
of Chrisman at once (217) 269-2339 or 202 West Madison, Chrisman IL 61924;
Paris First (217) 465-6360 or 600 E. Jasper St., Paris, IL 61944. Telephoning
is the best way to limit the amount of loss. If you notify us within two
(2) business days, you can lose no more than $50.00 if someone has used
your password without your permission.
19. Email Messages
If you have questions concerning the use of Online Banking, you may send your questions to the Bank and receive answers to your questions through our secure Online Banking email service ("Email"). Email should not be used if you have questions about your accounts, if you discover an account error or if you believe someone else may have access to your password. If you need to contact the Bank immediately because you have questions about your accounts, or about transfers and payments to and from your deposit and credit accounts, please call State Bank of Chrisman immediately at 217-269-2339; or Paris First (217) 465-6360. In addition, you cannot use Email to access the Service, and, therefore, you may not use Email to initiate transfers to or from your deposit or credit accounts, or to access your investment accounts. Under no circumstances will a Bank employee request your username or password via the Internet, Email or by any other means. DO NOT respond to such a request even if the individual claims to represent the Bank and you should not send confidential information via the Internet or Email.
20. Limit of State Bank of Chrisman Responsibility
State Bank of Chrisman hereby disclaims any warranties, endorsements
or representation, express or implied, related to any product, service,
advertisement or other information contained herein. This includes any
content contained, distributed, linked or downloaded from the site. Any
products or services from this site are to be used at your own risk, with
no obligations or liabilities by State Bank of Chrisman. Any exceptions
to this general disclaimer would be outlined within any applicable Service
Agreement. State Bank of Chrisman also does not guarantee the quality
of any product or displayed materials that are purchased or used by you
as a result of an advertisement to which you respond. It will be within
the sole discretion of State Bank of Chrisman to correct any errors or
to omit any portion of the services, products or materials contained herein.
I have read the EFT Disclosure displayed and agree to the terms and conditions.