Please provide us with the information requested below. After you fill out and submit this secure form, the appropriate bank representative will be notified. We will call you to confirm your request for an on-line account during normal business hours.
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Agreement
This Agreement states the terms and conditions for First State Bank of Bedias'
Online Banking, referred to as FSBB Online Banking, and FSBB Bill Payment.
By using FSBB Online Banking and/or Bill Payment, you agree to the terms
and conditions of this Agreement. The terms and conditions stated in this
agreement will become an addendum to the Account Agreements that you have
previously received.
Definitions As
used in this Agreement, "you" or "your" refers to
the accountholder authorized by First State Bank of Bedias to use FSBB
Online Banking under this agreement. "Account" or "accounts" refer
to your accounts at First State Bank of Bedias. "Electronic
funds transfers" are defined as ATM withdrawals,
preauthorized transactions, point of sale transactions, web-initiated
transactions, and transfers to and from your First State Bank of Bedias
accounts using FSBB Online Banking including bill payments. "We", "us" or "our" refers
to the Bank and any representative, contracted vendor, designee, or assignee
the Bank may, in its discretion, involve in the provision of FSBB Online
Banking. "Bank" refers to First
State Bank of Bedias. "Bill Payment" is
defined as the bill payment service that is available through FSBB Online
Banking. "Business days" are
defined as any day Monday through Friday, excluding Federal Reserve holidays. "Business
hours" are Monday through Thursday 9:00 am to 2:00
pm and Friday 9:00 am to 6:00 pm.
Access To
use FSBB Online Banking, you must have at least one account at First
State Bank of Bedias, access to Internet service, and a valid e-mail
address. Once we have received your online application and verified
your account information, we will send you, by electronic mail, confirmation
of our acceptance of your enrollment along with your assigned log-in
ID and your temporary password. They will be e-mailed to the valid address
provided on the Enrollment Form. FSBB Online Banking can be used to access
only the accounts which you have ownership rights to and have designated
on your submitted application.
Security of User
ID and Password For security
purposes, you are required to change your password upon your initial
login to FSBB Online Banking. You must select your own password
and the identity of your new password is not communicated to us. We
require the password to be complex utilizing three of the following:
lower case alpha, upper case alpha, numeric or special character. Your
password is case-sensitive and should be memorized, not written down. Your
password should not be associated with any commonly known personal identification,
such as social security numbers, address, date of birth, or names of
children. The User ID and Password that is assigned to you is the
secure authentication of your identity to allow access to FSBB Online
Banking. In order to prevent unauthorized access to your accounts and
to prevent unauthorized use of FSBB Online Banking, you agree, by proceeding
with enrollment, to keep your User ID and Password or other means to
access your accounts, confidential and unavailable to any person not
authorized to access your accounts. The unauthorized use of your account
numbers, User IDs and Passwords could cause the loss of some or all of
the money in your accounts. If you disclose your account numbers,
User IDs and/or Passwords to any person(s) or entity, you assume all
risks and losses associated with such disclosure. You are responsible
for all transfers and bill payments you authorize using FSBB Online Banking.
If you allow any other person(s) or entity to use FSBB Online Banking
or to access or use your account numbers, User IDs, Passwords, or other
means to access your accounts, you are responsible for any transactions
and activities they authorize from your accounts. Upon three unsuccessful
attempts to use your password, your access to FSBB Online Banking will
be revoked. To re-establish your authorization to use FSBB Online
Banking, you must contact us to have your password reset or to obtain
a new temporary password. If your account, User IDs or Password
has been used by an unauthorized person, you agree to immediately notify
us by calling First State Bank of Bedias during normal business hours
at (936) 395-2141. You also agree to notify the Bank if you believe
someone may attempt to use FSBB Online Banking without your consent or
has transferred money without your permission.
Online Banking
Account Information You
may use FSBB Online Banking to view current balance information for your
associated checking, money market, savings, Certificate of Deposit (CD),
Individual Retirement Account (IRA), and loan accounts. For your accounts
to be associated, you must have authorized ownership or access to the accounts.
Transfers You
may transfer funds between your associated deposit accounts that are subject
to immediate withdrawal. You may also make payments to loan accounts.
Other
Agreements Your accounts
will continue to be subject to the agreements otherwise governing them.
Additionally, each account and online service will be subject to the
following:
(1)
The terms or instructions appearing on a screen when using a service;
(2)
The rules and regulations of the Electronic Funds Act regarding any online
banking service; and
(3) Applicable
state and federal laws.
Bill Payment
Definitions As
used in this Agreement, the term "Payee" means the person or
entity to whom you wish a bill payment to be directed; "Payment Instruction" means
the information provided by you to us for a bill payment to be made to
the Payee (such as, but not limited to, Payee name, Payee account number,
and Scheduled Payment Date); "Payment Account" means your checking
account from which a bill payment will be debited; "Business Day" means
Monday through Friday, excluding Federal Reserve holidays; "Scheduled
Payment Date" means the Business Day of your choice upon which your
bill payment will begin processing (a Scheduled Payment Date on a non-Business
Day will be considered to be the previous Business Day); and, "Cutoff
Time" means 11:00 p.m. CST on any Business Day. You must complete
your transactions and log off prior to midnight for the transactions to
be processed as Today"s payments that will be sent
out the following business day.
Qualifying for
FSBB Bill Payment The FSBB
Bill Payment registration must be completed online by the customer requesting
Bill Payment. Please note that FSBB Bill Payment is subject to Bank review
and approval. Once approved, your continuance with FSBB Bill Pay
is your agreement to comply with the guidelines stated in the Bill Pay
Help Area.
Information
Authorization Your
application for FSBB Bill Payment may not be approved if we cannot
verify your identity or other necessary information. By applying
for FSBB Bill Payment, you are acknowledging that FSBB reserves the
right to obtain a copy of your credit report through an authorized
credit reporting service. In addition, you agree that we reserve
the right to obtain financial information about you from a Payee regarding
your account with them in an effort to resolve payment-posting problems.
Fees A
monthly service fee of $6.00 will be charged to the account you designate
as your Payment Account on the FSBB Bill Pay Registration Form. You
are responsible for regular transaction fees that may be in effect for
your accounts held with FSBB as disclosed at account opening and as amended
from time to time. We may assess a fee for any bill payment request
drawn against insufficient funds in your designated Payment Account. FSBB
will not be liable for failure to pay any request unless it is drawn against
available funds credited to the Payment Account at the opening of business
on the day the bill payment is scheduled to be withdrawn. If FSBB
pays a bill payment that overdraws your Payment Account, you agree to pay
us the amount of the overdraft upon demand, whether or not you participated
in the transaction creating the overdraft or received any benefit from
the debit creating the overdraft. You agree to pay all cost and expenses,
including attorneys" fees, incurred by us in the collection
of any overdraft.
Payment
Instructions To
use FSBB Bill Payment, you must provide sufficient information about
a Payee to permit us to properly direct a payment. The information
must permit the Payee upon receipt of a payment to identify you as
the payment source. You do this by filling in all required fields
with accurate information, as directed by the FSBB Bill Payment screen
messages. By providing us with the names and account information
of those Payees to whom you wish to direct payment, you authorize us
to follow the Payment Instructions that we receive through the payment
system. When we receive a Payment Instruction, you authorize
us to debit your Payment Account and remit funds to the Payee on your
behalf.
Types
of Payments You
will be able to set up the following types of bill payments:
(1) Single
Payments: You may schedule a payment to be made one time to a Payee. The
payment may be scheduled on a future date or on the same day that you enter
the Payment Instructions provided you enter the Payment Instruction by
the Cutoff Time; and
(2) Recurring
Payments: You may schedule the same payment to be paid each month.
Please note that you
may not schedule duplicate payments. A duplicate payment is one that
is scheduled to be made to the same Payee while another payment to such
Payee is a "Pending Payment" (hereinafter
defined). A duplicate payment is different from a Recurring Payment,
which is scheduled for the same Scheduled Payment Date of different months.
Payment
Limits The
amount of any Single Payment or Recurring Payment shall not exceed
$10,000.00. In addition, a Single Payment to a Payee must be "In
Process" or "Processed" (hereinafter
defined) before an additional Single Payment can be scheduled to the
same Payee.
Payee
Limitation Due to security
reasons or any other reason,
we reserve the right to refuse to pay any Payee to whom you may direct
a payment. We will promptly notify you if we decide to refuse
to pay a Payee designated by you. Notification is not required
if you attempt to make a prohibited payment under this Agreement.
International
Payments International
payments are prohibited through FSBB Bill Payment.
Scheduling
of Payment by Due Date While
it is anticipated that most transactions will be processed on the next
Business Day after your Scheduled Payment Date, and be received by
the payee approximately five (5) business Days after your selected
Schedule Payment Date, it is understood that due to circumstances beyond
our control, particularly delays in handling and posting payments by
slow responding Payees or financial institutions, some transactions
may take longer to be credited by your Payee to your Payee account. For
this reason, it is necessary that all Scheduled Payment Dates selected
by you be no less than five (5) Business Days before the bill"s
actual due date, not the late date and/or a date within the grace period. Payment
Instructions entered after the Cutoff Time or on non-Business Days
will be considered entered in FSBB Bill Payment on the next Business
Day. For Recurring Payments, this means that you must allow additional
time for months in which weekends or holidays reduce the number of
Business Days between the Recurring Payment date and the bill"s
actual due date. The risk of incurring and the responsibility
for paying any and all late charges or penalties will be borne by you.
Payment
Confirmation Number You
will be provided a confirmation number for each payment you schedule
using FSBB Bill Payment. This number is available on the Payment
History screen under the Payments menu if you need to refer to it in
the future. The confirmation number will help us resolve any
questions you may have concerning your transactions.
Reasonable
Efforts We
will make reasonable efforts to make all your payments properly. However,
we shall incur no liability if we are unable to complete any payments
initiated by you through FSBB Bill Payment Service because of the existence
of any one or more of the following circumstances:
(1) If,
through no fault of ours, your Payment Account does not contain sufficient
and available funds to complete the transaction;
(2) FSBB
Online Banking or FSBB Bill Payment is not working properly and you know
or have been advised by us about the problem before you execute the transaction;
(3) The
Payee, or any processing third party, mishandles or delays a payment sent
by us;
(4) You
have not provided us with the correct name, phone number or account information
for the Payee, or you have not provided us with accurate personal information
on your FSBB Bill Payment Registration Form, or you have otherwise provided
incomplete Payment Instructions;
(5) Circumstances
beyond our control (such as, but not limited to, fire, flood, or interference
from an outside force) prevent the proper execution of the transaction
and we have taken reasonable precautions to avoid those circumstances;
(6) We
have reason to believe that a particular bill payment is not authorized.
Provided none of the
foregoing six (6) exceptions are applicable, if we cause an incorrect amount
of funds to be removed from your Payment Account or cause funds from you
Payment Account to be directed to a Payee which does not comply with your
Payment Instructions, we shall be responsible for returning the improperly
transferred funds to your Payment Account and for directing payment to
the proper Payee.
Definition
of Pending/In Process/ Processed Payments A
bill payment is "In Process" starting
at the Cutoff Time on the Scheduled Payment Date and continuing up
to the next Business Day after the Scheduled Payment Date. A
bill payment is a "Pending Payment" starting
from the time you enter Payment Instructions until the payment is "In
Process". A bill payment is considered "Processed" on
the next Business Day after the Schedule Payment Date.
Canceling
or Editing Pending Payments You
may cancel or edit any Pending Payment (including Recurring Payments). There
is no charge for canceling or editing a Pending Payment. You
will receive a confirmation number when your Pending Payment has been
edited or canceled. The confirmation number will help us resolve
any questions you may have concerning your transactions. For
payment edits, this number is available on the Payment History screen
under the Payments menu if you need to refer to it in the future. If
you have a canceled payment, please write the number down when you
receive it. A canceled payment will not appear on your Payment
History.
Canceling
or Editing In Process/Processed Payments We
may not have a reasonable opportunity to act on any stop payment, edit,
or cancellation order given after a payment is "In
Process" and it is not possible to stop, edit,
or cancel a payment, which is "Processed." If
you desire to cancel, edit, or stop any payment, which is "In
Process", you must call the toll-free Help Line
found on the FSBB Bill Payment website.
Stop
Payments In order
for us to attempt to place a stop payment order the same business day
it must be placed by 3:00 p.m. EST. If you call, we may also
require you to present your request in writing within fourteen (14)
days after you call. Although we will attempt to accommodate
your request, we will have no liability for failing to do so. Stop
payment requests will be accepted only if we have a reasonable opportunity
to act on such requests. Stop payment requests sent to us via
electronic mail or in any other manner may not reach us in time for
us to act on your request. The terms and charge for each stop
payment order will be the then current charge and terms for such service.
Means
of Payment Once
your scheduled bill payment is "In Process",
we may remit your payment to your Payee by any one of the following
means: (1) by electronic funds transfer or (2) by mailing your Payee
a check. The timing of when your scheduled bill payment is debited
from your Payment Account may vary, depending on the payment method
used.
Statements All
of your payments made through FSBB Bill Payment Service will appear on
your monthly account statement(s). You can also view payment activity
on the FSBB Online Banking Account Activity Screen.
Canceling
FSBB Bill Payment Service You
may cancel your use of FSBB Bill Payment at any time by contacting
the bank. If you notify us by telephone, we may request that
you put your request in writing. We cannot cancel your FSBB Bill
Payment until all Pending Payments have cleared your Payment Account. If
you have Pending Payments and do not want to wait for them to clear,
you may individually delete these future payments. You will not
receive a refund of any service fee if you cancel. FSBB may cancel
or suspend your FSBB Bill Payment Service, in whole or in part, at
any time without prior notice. Cancellation or suspension shall
not affect your liability or obligations under this Agreement.
Non-Sufficient
Funds to Make Payments In
using FSBB Bill Payment, you are requesting that we make payments for
you from your Payment Account. If we are unable to approve the
transaction for any reason (for example, there are not sufficient funds
in your Payment Account to cover your transaction), the transaction
may not be completed. In some instances, if your account has
become overdrawn, you agree that:
(1) You
will immediately reimburse us for the amount of the transaction;
(2) You
will reimburse us for any fees imposed by the Bank as a result of such
overdraft;
(3) You
will reimburse us for any fees we incur in attempting to collect the amount
of the overdraft;
(4) We
are hereby authorized to report the facts concerning the overdraft
to a credit-reporting agency; and
(5) We
may immediately close your Payment Account and terminate access to FSBB
Bill Payment.
Errors or Questions
Consumer Liability
of Unauthorized Transfers Tell
us AT ONCE if you believe your FSBB Online Banking username and/or password(s)
have been lost, stolen, or used without your permission. Telephoning
FSBB is the best way of keeping your possible losses down, which could
be the loss of all money in your account. If you believe your FSBB
Online Banking username and/or passwords have been lost, stolen, or used
without your permission and you tell us within 2 business days after
you learn of the loss or theft, your loss would not be more than $50
if your username and password was used without your permission.
If you do NOT tell us
within 2 business days after you learn of the loss or theft of your username
and/or password(s), and we can prove we could have stopped someone from
using your username and/or password(s) without your permission had you
told us, your loss could be as much as $500.
Also, if your statement
shows transfers that you did not make, tell us AT ONCE. If you do not tell
us within 60 days after the statement was sent 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 had you told us in time.
Contact in Event of
Unauthorized Transfer Contact
us during normal business hours if you believe your FSBB Online Banking
username and/or passwords have been lost or stolen or that someone has
transferred or may transfer money from your account without your permission.
Business Days: For
purposes of these disclosures, our business days are Monday through Friday. Saturdays,
Sundays and Federal Holidays are not included.
Error Resolution Notice Call
or write us at the telephone number or address listed within this website
as soon as possible if you think your statement contains an error, or you
need more information about an electronic transfer listed on your statement. We
must hear from you no later than 60 days after we sent the FIRST statement
on which the problem or error appeared. Include the following information:
(1) Your
name and account number;
(2) A
description of the error or the transfer or bill payment you are unsure
about, and clearly explain why you believe it is an error or why you need
more information; and
(3) The
dollar amount of the suspected error.
If you notify us orally,
we may require that you send us your complaint or question in writing within
10 business days. We will determine whether an error occurred within
10 business days after we hear from you, and will correct any error promptly. However,
if we need more time, we may take up to 45 days to investigate your complaint
or question. If more time is needed to investigate, we will credit
your account within 10 business days for the amount you think is in error,
so that you will have use of the money during the time it takes us to complete
our investigation. If we do not receive your complaint or question
in writing within 10 business days, we may not credit your account. For
errors involving new accounts, bill payment debits, or foreign-initiated
transactions, we may take up to 90 days to investigate your complaint or
question. For new accounts, bill payment debits, or foreign-initiated
transactions, we may take up to 20 business days to credit your account
for the amount you think is in error. We will tell you the results within
3 business days after completing our investigation. If we determine there
was no error, we will send you a written explanation. You may ask
for copies of the documents that we used in our investigation.
Financial
Institution Liability
(1) Statements:
You will get a monthly account statement from us for your checking accounts.
(2) Transfers: If
we do not complete a transfer in which you have instructed us to do in
accordance with this Agreement, we will be liable to you for your losses
or damages caused as a result of our actions. However, there are
some exceptions. We will NOT be liable for any of the following instances:
a) If,
through no fault of ours, you do not have enough money in your account
to make the transfer;
b) If
the automated teller machine where you are making the transfer does not
have enough cash and therefore cannot accept your transfer;
c) If
FSBB Online Banking was not working properly, and you were informed before
you started the transfer;
d) If
circumstances beyond our control (such as fire or flood) prevent the transfer,
despite reasonable precautions that we have taken; or
e) Other
exceptions may be stated in our agreement with you.
Confidentiality We
will disclose information to third parties about your account or the transfers
you make as follows:
(1) In
order to complete the transfer;
(2) In
order to verify the existence and condition of your account for a third
party; such as a credit bureau or merchant;
(3) In
order to comply with a government agency or court orders; or
(4) If
you give us written permission to disclose information about your account
or the transfers you make.
Additional Terms to Online
Banking and Bill Payment
Address Changes You
agree to promptly notify the Bank of any address change and/or any change
to your telephone number by completing a Change of Address form provided
under Online Services or calling the Bank as soon as possible.
Phone
and Internet Access Charges In
addition, you will be responsible for paying any telephone company
or utility charges and/or Internet access service fees incurred while
using telephone lines and/or Internet access services to connect with
FSBB Online Banking.
Waiver
of Requirement for Two Signatures You
recognize that any requirement of verifying two signatures on checks,
if such a requirement exists does not apply to electronic or telephone
transfers, including online bill payments, and you release the Bank
from liability when making such transfers or payments. This means that
any person who is authorized to act as a signer on your account shall
be authorized by you to individually make electronic or telephonic
transfers including online bill payments from your account even though
that person's authority to transfer or withdraw funds from your account
by some other means (e.g., by check) must be exercised jointly with
one or more other persons.
E-mail to the Bank FSBB
Online Banking provides a "contact us" function where you may
ask questions about your account(s) or give comments on the Online Services.
This e-mail function is accessible after you sign on with your password
to a secure session. To ensure the security of your account information,
we recommend that you use only this email process when asking specific
questions about your account(s).
Equipment You
are responsible for obtaining, installing, maintaining and operating all
computer hardware, software and any Internet Service Provider (ISP) services
necessary for performing FSBB Online Banking. The Bank will not be responsible
for any errors or failures from the malfunction or failure of your hardware,
software or any ISP services.
