In addition, we have implemented additional authentication measures for
our Internet Banking customers, in compliance with regulatory
requirements enacted in 2006. Read our Frequently Asked
Questions here!
Online Banking Service Agreement and Disclosure
This Online Banking Service Agreement and Disclosure
("Agreement") explains the terms and conditions governing the basic
Online Banking services offered by First State Bank Central Texas
("Bank"). All internet banking services of any kind whatsoever offered
or made available by the Bank (including, but not limited to funds
transfers, bill payment services, and check reordering) will be
referred to collectively as "Online Banking" in this Agreement. As used
in this Agreement, the Terms "you" and "your" (whether or not such
words appear capitalized), refer to each person who opens or is
authorized to use any account at the Bank and any person who has the
Account Number and Pin Number chosen by the customer. "We," "us," and
"our" refer to the Bank. The term "business day" means all days except
Saturday, Sunday, and all federal holidays.
All Online Banking services are governed by this Agreement, all
applicable federal regulatory disclosures, and the "Deposit Account
Terms and Conditions". All applicable fee schedules published by the
Bank from time to time will apply to the Online Banking services. You
are responsible for the payment of any fees incurred by you on any
account, for any service, at any time. You agree to pay all such fees
upon request of the Bank. Further, you agree to pay all telephone
charges or fees incurred by you in accessing Online Banking service.
First State Bank Central Texas E-Pay Fee Schedule — There are no fees associated with this service.
Your Agreement to Terms — By using any of
the Online
Banking services, you agree to abide by the terms and conditions of
this Agreement as well as the "Deposit Account Terms and Conditions,"
"Account Disclosures," and the "Account Fee Schedule." Your initial use
of any Online Banking service in connection with your account at the
Bank constitutes your acceptance and agreement to be bound by all of
the terms and conditions of this Agreement and of the "Deposit Account
Terms and Conditions". Such initial use acknowledges your receipt and
understanding of this Agreement and the "Deposit Account Terms and
Conditions".
Instructions from You / Your Responsibilities
— The Bank
is entitled to act upon instructions received through any Online
Banking service under your Account Number and Pin Number and without
inquiring into the identity of the person using that Account Number and
Pin Number. However, you agree that you will not, under any
circumstances, disclose your Password by telephone or any other means
to any person. You acknowledge that no person from the Bank will ever
ask for your Password, that Bank employees do not need and should not
ask for your Password. You agree never to provide your Password to
anyone, including anyone claiming to represent the Bank. You are liable
for all transactions made or authorized using your Account Number and
Pin Number. The Bank has no responsibility for establishing the
identity of any person or determining the validity of any transaction.
You agree that if you give your Account Number and Pin Number to anyone
or fail to safeguard its secrecy, you do so at your own risk. Anyone
with your Account Number and Pin Number will have access to your
accounts. You agree to notify the Bank immediately in the event your
Password is lost, stolen, or otherwise compromised. At any time, you
may ask the Bank to disable your Password and issue a new one to you.
Joint Accounts — For joint accounts, each
person will have
the same Account Number and Pin Number. Each person on a joint account
will be liable for all transactions that are made on the account. Each
person on a joint account authorizes all transactions made by any other
person on the account. Each person on a joint account agrees to be
liable for the actions of the other person(s) on the account.
Indemnification — You hereby indemnify
and release the
Bank, and the Bank’s employees, officers, directors, and
agents,
from any and all liability, and you agree not to make any claim against
the Bank or bring any action against the Bank honoring or allowing any
actions or transactions in which you have authorized the person
performing the action or transaction to use your account or when you
have provided your Account Number and Pin Number to that person. You
agree to reimburse the Bank for any losses it suffers or any damages,
injuries, costs, or expenses it incurs (including attorney’s
fees) as a result of the Bank’s honoring or allowing
transactions
on the account in which the Account Number and Pin Number were used.
The limitations of liability set forth in this Agreement are subject
to, and limited by, any state or federal law to the contrary.
Changes In Terms — The Bank has the
right to modify or
terminate this Agreement or the "Deposit Account Terms and Conditions"
at any time. When making changes, the Bank will comply with all legal
notice requirements. Once this Agreement is terminated, the Bank will
not allow any additional transactions on the account, nor will
additional Online Banking services be permitted. If this Agreement is
modified, your continued use of the account will represent your
acceptance of the changes.
User Confidentiality — The Bank identifies
users by their
unique Account Number and Pin Number. All Bill Payment transactions
initiated with your Account Number and Pin Number will be attributed to
you. You agree not to give or make available your Account Number and
Pin Number to any other individual. If you believe that your Password
has been compromised, you must immediately change your Password and
notify the Bank that your Password has been compromised. For a summary
of your obligations and liabilities relating to unauthorized use of
your Password and unauthorized transfers, refer to the Bank’s
"Electronic Funds Transfer Disclosure."
Payment Authorization And Payment Remittance
By providing the Service with names and account information of Payees
to whom you wish to direct payments, you authorize the Service to
follow the Payment Instructions that it receives through the payment
system. In order to process payments more efficiently and effectively,
the Service may edit or alter payment data or data formats in
accordance with Payee directives.
When the Service receives a Payment Instruction, you authorize the
Service to debit your Payment Account and remit funds on your behalf so
that the funds arrive as close as reasonably possible to the Scheduled
Payment Date designated by you. You also authorize the Service to
credit your Payment Account for payments returned to the Service by the
United States Postal Service or Payee, or payments remitted to you on
behalf of another authorized user of the Service.
The Service will use its best efforts to make all your payments
properly. The Service shall incur no liability if the Service is unable
to complete any payments initiated by you because of the existence of
any one or more of the following circumstances:
Payment Methods
The Service reserves the right to select the method in which to remit
funds on your behalf to your Payee. These payment methods may include,
but may not be limited to, an electronic payment or a check payment,
Payment Cancellation Requests
You may cancel or edit any Scheduled Payment (including recurring
payments) by following the directions within the application. There is
no charge for canceling or editing a Scheduled Payment. Once the
Service has begun processing a payment it cannot be cancelled or
edited, therefore a stop payment request must be submitted.
Stop Payment Requests
The Service's ability to process a stop payment request will depend on
the payment method and whether or not a check has cleared. The Service
may also not have a reasonable opportunity to act on any stop payment
request after a payment has been processed. If you desire to stop any
payment that has already been processed, you must contact Customer
Service or submit your request online. Although the Service will make
every effort to accommodate your request, the Service will have no
liability for failing to do so. The Service may also require you to
present your request in writing within fourteen (14) days. The charge
for each stop payment request will be the current charge for such
service as set out in the applicable fee schedule.
Prohibited Payments
Payments to Payees outside of the United States or its territories are
prohibited through the Service.
Exception Payments
Tax payments and court ordered payments may be scheduled through the
Service, however such payments are discouraged and must be scheduled at
your own risk. In no event shall the Service be liable for any claims
or damages resulting from your scheduling of these types of payments.
The Service Guarantee as it applies to any late payment related changes
is void when these types of payments are scheduled and/or processed by
the Service. The Service has no obligation to research or resolve any
claim resulting from an exception payment. All research and resolution
for any misapplied, mis-posted or misdirected payments will be the sole
responsibility of you and not of the Service.
EXCLUSIONS OF WARRANTIES
THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT
WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT
LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A
PARTICULAR PURPOSE.
Password And Security
You agree not to give or make available your password or other means to
access your account to any unauthorized individuals. You are
responsible for all payments you authorize using the Service. If you
permit other persons to use the Service or your password or other means
to access your account, you are responsible for any transactions they
authorize. If you believe that your password or other means to access
your account has been lost or stolen or that someone may attempt to use
the Service without your consent or has transferred money without your
permission, you must notify the Service at once by calling 254-770-0565
during customer service hours.
Your Liability For Unauthorized Transfers
If you tell us within two (2) Business Days after you discover your
password or other means to access your account has been lost or stolen,
your liability is no more than $50.00 should someone access your
account without your permission. If you do not tell us within two (2)
Business Days after you learn of such loss or theft, and we can prove
that we could have prevented the unauthorized use of your password or
other means to access your account if you had told us, you could be
liable for as much as $500.00. If your monthly financial institution
statement contains transfers that you did not authorize, you must tell
us at once. If you do not tell us within sixty (60) days after the
statement was sent to you, you may lose any amount transferred without
your authorization after the sixty (60) days if we can prove that we
could have stopped someone from taking the money had you told us in
time. If a good reason (such as a long trip or a hospital stay)
prevented you from telling us, we may extend the period.
Errors And Questions
In case of errors or questions about your transactions, you should as
soon as possible notify us via one of the following:
Disclosure Of Account Information To Third Parties
It is our general policy to treat your account information as
confidential. However, we will disclose information to third parties
about your account or the transactions you make ONLY in the following
situations:
Alterations And Amendments
This Agreement and any applicable fees may be altered or amended by the
Service from time to time. In such event, the Service shall provide
notice to you. Any use of the Service after the Service provides you a
notice of change will constitute your agreement to such change(s).
Further, the Service may, from time to time, revise or update the
applications, services, and/or related material, which may render all
such prior versions obsolete. Consequently, the Service reserves the
right to terminate this Agreement as to all such prior versions of the
applications, services, and/or related material and limit access to
only the Service's more recent revisions and updates. In addition, as
part of the Service, you agree to receive all legally required
notifications via electronic means.
Address Or Banking Changes
It is your sole responsibility to ensure that the contact information
in your user profile is current and accurate. This includes, but is not
limited to, name, address, phone numbers and email addresses. Changes
can be made either within the application or by contacting Customer
Service. Any changes in your Payment Account should also be made in
accordance with the procedures outlined within the application's Help
files. All changes made are effective immediately for scheduled and
future payments paid from the updated Payment Account information. The
Service is not responsible for any payment processing errors or fees
incurred if you do not provide accurate Payment Account or contact
information.
Service Termination, Cancellation, Or Suspension
In the event you wish to cancel the Service, you may have the ability
to do so through the product, or you may contact customer service via
one of the following:
Biller Limitation
The Service reserves the right to refuse to pay any Payee to whom you
may direct a payment. The Service will notify you promptly if it
decides to refuse to pay a Payee designated by you. This notification
is not required if you attempt to make a prohibited payment or an
exception payment under this Agreement.
Returned Payments
In using the Service, you understand that Payees and/or the United
States Postal Service may return payments to the Service for various
reasons such as, but not limited to, Payees forwarding address expired;
Payee account number is not valid; Payee is unable to locate account;
or Payee account is paid in full. The Service will use its best efforts
to research and correct the returned payment and return it to your
Payee, or void the payment and credit your Payment Account. You may
receive notification from the Service.
Information Authorization
Your enrollment in the Service may not be fulfilled if the Service
cannot verify your identity or other necessary information. Through
your enrollment in the Service, you agree that the Service reserves the
right to request a review of your credit rating at its own expense
through an authorized bureau. In addition, you agree that the Service
reserves the right to obtain financial information regarding your
account from a Payee or your financial institution (for example, to
resolve payment posting problems or for verification).
Disputes
In the event of a dispute regarding the Service, you and the Service
agree to resolve the dispute by looking to this Agreement. You agree
that this Agreement is the complete and exclusive statement of the
agreement between you and the Service which supersedes any proposal or
prior agreement, oral or written, and any other communications between
you and the Service relating to the subject matter of this Agreement.
If there is a conflict between what an employee of the Service or
Customer Service Department says and the terms of this Agreement, the
terms of this Agreement will prevail.
Assignment
You may not assign this Agreement to any other party. The Service may
assign this Agreement to any future, directly or indirectly, affiliated
company. The Service may also assign or delegate certain of its rights
and responsibilities under this Agreement to independent contractors or
other third parties.
No Waiver
The Service shall not be deemed to have waived any of its rights or
remedies hereunder unless such waiver is in writing and signed by the
Service. No delay or omission on the part of the Service in exercising
any 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 construction of any of the provisions
of this Agreement.
Governing Law
This Agreement shall be governed by and construed in accordance with
the laws of the State of Texas, without regard to its conflicts of laws
provisions. To the extent that the terms of this Agreement conflict
with applicable state or federal law, such state or federal law shall
replace such conflicting terms only to the extent required by law.
Unless expressly stated otherwise, all other terms of this Agreement
shall remain in full force and effect.
THE FOREGOING SHALL CONSTITUTE THE SERVICE'S ENTIRE LIABILITY
AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL THE SERVICE BE LIABLE FOR
ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY
DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY
THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR
MAINTENANCE OF THE EQUIPMENT, SOFTWARE, AND/OR THE SERVICE.