Online Banking Disclosures

Online Banking Agreement

(as shown within Online banking)

rev. 03/24
Thank you for your interest in Online Banking! Please be aware that this is a secure area. No one will see your personal information.

Before we get started, make sure you have the following items:

• Your account number at our bank.
• Your Social Security number (SSN) or Tax Identification number (TIN).
• The email address on file with us.
• The phone number on file with us.

If your enrollment application is accepted, you will receive a confirmation email. You must confirm your identity through a link in this email. You must access this link from the same computer and browser you used to fill out the enrollment application.

If you would rather not provide this information you can still become an online banking user. Either call Electronic Banking or come into any location.

AGREEMENT: You agree that account security is controlled by the Username assigned by the Bank and the personal PIN chosen and entered by you. You agree to protect the PIN and hold the bank harmless from unauthorized use. Any information downloaded by you becomes your property and responsibility.

IMPORTANT NOTICE: You agree to sign into your Internet Banking account at least once during every 12-month period to avoid the deletion of your Internet banking account. If your Internet banking account is deleted due to a 12-month inactivity period, e-statements and e-notices will return to paper statements and notices, which could result in a paper statement fee.

By clicking “I agree,” I hereby agree to all terms and conditions found in the Online Banking Agreement. (No action required. Agreement made at enrollment.)

Mobile Banking Agreement and Disclosure

rev. 03/24

Introduction:

Community National Bank is pleased to offer you Mobile banking. This service gives you access to your accounts through an application used on a cell phone or other mobile device. By enrolling in this service, you agree to all the terms and conditions contained in this disclosure.

CNB might offer additional Mobile banking services and features in the future. Any additional services and features will be governed by this agreement and by any terms and conditions provided to you at the time of enrollment. Periodically, we may amend these terms and modify or cancel the Mobile banking services we offer without notice, except as may be required by law.

• CNB reserves the right to limit the types and number of accounts eligible and to refuse to make any transaction you request through Mobile banking.
• CNB may elect to discontinue this service at any time. We may also limit the type, frequency and amount of transfers for security purposes and may change or impose the limits without notice, at our discretion.
• CNB reserves the right, at all times, to take action to protect our systems and information, including denial of access to the users of the service.

Customer Responsibilities:

• You must have a cell phone or other mobile device that can receive and send text messages to access the Text Messaging Service. Additional phone features are required for other functions of Mobile banking.
• You must have an active Username to register for Mobile banking.

About Mobile Banking:

• Community National Bank Mobile banking is an extension of our Online banking service.
• You will have the option to add any accounts enrolled in Online banking to Mobile banking.

Mobile Services:

The bank offers three types of mobile services:

1. Phone App. After downloading the CNB Mobile banking app from the App Store® (iTunes or Google) for your iPhone® or Android™ phone or iPad® and enrolling for Mobile banking, you may view account information, transfer funds between your accounts, make a mobile deposit, manage your debit card(s), view alerts and obtain information about CNB locations near you. Android is a trademark of Google, Inc. iPhone and iPad are trademarks of Apple, Inc.
2. Text Messaging Service. The Mobile text service is available if you have a mobile device that can send and receive text messages. Mobile text allows you to view the balance and limited activity on pre-selected accounts. Mobile text does not allow transfers. Your use of the Mobile text constitutes your agreement to the following terms and conditions:
   • You agree to provide CNB with a valid mobile phone number and allow CNB to send you text messages through your wireless provider.
   • It is your responsibility to notify us immediately of any changes to your registered mobile device. In case of unauthorized access to your mobile device or service, you agree to cancel enrollment associated with the mobile device immediately. Text the word “Stop” to discontinue the service, or contact us directly.
   • You agree that we will not be liable for failed, delayed or misdirected delivery of any information sent through the service; any errors in such information; any actions you may or may not take in reliance on the information of service; or any disclosure of account information to third parties resulting from your use of the service.
3. Online Banking via Internet on Mobile Device. In order to be eligible for this service, you must have a device that has Internet browser capabilities. Although most devices with Internet browser capabilities should be able to access this service, the Bank does not guarantee that the service will work on all devices or at all times. If a device cannot access this service, the Mobile text is still an option if you have enrolled for the service, and your device can send and receive text messages. This service has all of the features of Online banking.

Mobile Deposit:

When you enroll for Mobile banking, our Electronic Banking department will need to approve you for Mobile deposit. Mobile deposit allows you to deposit checks electronically with your smartphone.

General Terms for Mobile deposit for both consumers and small businesses:

• You must be enrolled in our Online banking service and have an iPhone, Android device or iPad with the CNB Mobile app installed, a camera on your phone or iPad and an Internet connection.
• You must have a deposit account with Community National Bank.
• You may deposit single party checks made payable to the owner on the account. You may NOT deposit third party checks, substitute checks, returned checks, incomplete checks, non-negotiable items, foreign checks, stale-dated checks, altered checks or checks you suspect may be fraudulent, money orders, cashier’s checks and checks in which the numeric amount does not match the amount written on the legal line.
• Check endorsement must read "FOR MOBILE DEPOSIT ONLY". Failure to include this endorsement may result in a denied check image deposit.
• You will receive an email message from ebanking@communitynationalbank.com when you make a mobile deposit to confirm, adjust or decline the deposit. Do not respond to this message.
• Please retain deposited check in a safe place for up to 14 days. After the 14-day period, dispose of the check securely. We recommend shredding the check.
• Business days are Monday through Friday, excluding legal holidays. If you make a mobile deposit before 4:00 p.m. (Eastern Time) on a business day, we will consider that day to be the deposit date. If you make a mobile deposit after 4:00 p.m. on a business day or on a non-business day, we will consider the deposit date to be the next business day. Funds deposited by mobile deposit will be available on the next business day after the deposit date. Under certain circumstances the availability of funds from a deposit may be delayed and notification will be sent.

Terms specific for Mobile deposit for consumers:

The following terms are specific for our Mobile deposit service for consumers:

• Community National Bank reserves the right to impose deposit limits on the amount(s) and/or number of Mobile Deposits (over a period of time set by us) that you transmit using the Service . We reserve the right to modify such limits from time to time.  Each check must be deposited separately. If this limit is not adequate to meet your needs, please contact us to discuss a limit increase.
• There is currently no fee for Mobile deposit services for consumers. The bank reserves the right to change the fee charged for this service and will notify you at least 30 days before making any changes to fees.
• The bank reserves the right to cancel this service at any time.

Terms specific for Mobile deposit for small businesses:

The following terms are specific for our Mobile deposit service for small businesses:

• Community National Bank reserves the right to impose deposit limits on the amount(s) and/or number of Mobile Deposits (over a period of time set by us) that you transmit using the Service . We reserve the right to modify such limits from time to time.
• There is currently no fee for Mobile deposit for small business customers. The bank reserves the right to change the fee charged for this service and will notify you at least 30 days before making any changes to fees.
• The bank reserves the right to cancel this service at any time. This agreement supplements those and any other agreement or disclosures related to your account(s), including the Deposit Account Agreement and Disclosures. Your use of Internet banking and its related modules, including Mobile banking, Mobile deposit and Mobile text, is considered your acceptance of these terms and conditions.

Other Information Pertaining to Mobile Banking:

Transfers:

• Mobile banking transfers – Business days are Monday through Friday, excluding legal holidays. On business days, the deadline for same-day posting of Mobile banking transfers is 7:00 p.m. (Eastern Time). Mobile transfers made on a non-business day or after 7:00 p.m. (Eastern Time) on a business day will be posted the following business day.

Balance Information:

• Balances shown may not include recent or pending transactions that have not yet posted to your account.

Charges:

• We do not charge for Mobile banking, but there may be charges for specific services, such as Mobile deposit. You are responsible for all charges and fees associated with text messaging imposed by your wireless service provider. You acknowledge that usage of the service does not provide a method to prevent unauthorized access to the service.

Availability of Data Services:

• CNB cannot guarantee and is not responsible for the availability of data services provided by your mobile carrier, such as data outages or “out of service” issues. We make no representation that any content or the use of Mobile banking is available for use in locations outside of the United States. Accessing Mobile banking from locations outside of the United States is at your own risk.

Error Resolutions:

• You must notify us immediately if your Username or password has been compromised, lost, stolen or used without your authorization. Failure to do so could result in the loss of all money accessible by ID or password. You can call us at 802-334-7915 or 1-800-870-2598. You can access the Electronic Funds Transfer disclosure at any time on our website communitynationalbank.com. Please review the disclosure for complete information and rules.

Security:

• Privacy Statement – Your security and privacy is important to us. Please review our customer privacy statement on our website communitynationalbank.com.
• Full account numbers will never be sent to your mobile device, but other information such as account balances and recent transfers could be viewed by a person with access to your phone.
• It is your sole responsibility to establish and maintain procedures to safeguard against unauthorized mobile phone usage. You agree that no other person will be allowed to initiate mobile entries other than yourself, and you agree to take all reasonable steps to maintain the confidentiality of any user IDs and passwords.
• You are responsible to take every precaution to ensure the safety, security and integrity of your accounts and transactions when using Mobile banking.
• If you lose your phone, your phone is stolen or if you notice that unauthorized transfers have taken place on your account, you must contact the bank immediately by calling 802-334-7915 or 1-800-870-2598.

Login Security:

• If you change your mobile device and/or change your mobile telephone number, it is your responsibility to access your Online banking system and enter the appropriate information in the Account Settings section.
• You will use the same Username and password to access Mobile banking. Keep your password safe. Memorize your password and never tell it to anyone. We will never ask you to email your personal information such as your social security number or account number.

Cancellation of Mobile Banking Services:

• You may cancel Mobile banking at any time by logging into Online banking, going to Account Settings/Security section and removing your mobile device from the recently used devices section. Then delete the Mobile banking app on your device.

Indemnification:

• Unless caused by our intentional misconduct or gross negligence, you agree to indemnify, defend and hold harmless Community National Bank, its affiliates, officers, directors, employees, consultants, agents, service providers and licensors from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys’ fees) caused by or arising from
• A third party claim, dispute, action or allegation or infringement. Misuse, or misappropriation based on information, data, files or otherwise in connection with the service;
• Your violation of any law or rights of a third party; or
• Your use, or use by a third party, of Mobile banking.

Electronic Banking Account Statement Disclosure and Agreement 

rev. 03/24

Overview:

This Electronic Banking Account Statement Disclosure and Agreement “Agreement” is made between you and Community National Bank and provides your request and consent to receive statements, notices, regulatory disclosures and documents “eStatements” for your Community National Bank account(s) by electronic delivery. This Agreement is in addition to the terms and conditions described in Community National Bank Online and Mobile Banking Agreement and all other Agreements, Disclosures and Fee Schedules associated with your Community National Bank accounts and services, which are hereby incorporated by reference. 

Glossary of terms:

• eStatements- an electronic form of the periodic paper statements available through Community National Bank Online banking service.
• We/us/our- means Community National Bank.
• You/your- the person(s) accessing the electronic statements.
• eNotices- an electronic form of the paper notices available through Community National Bank.

Electronic Communications—What you will receive from us:

• Deposit Accounts
• Statements
• Privacy Notices
• Outgoing Wire Transfer Notice
• Incoming Wire Transfer Notice
• EIP NSF Notice
• Repurchase Agreement Assignment Notice
• Telephone Transfer Notice
• Sweep Transfer Notice
• Standard Account Analysis Statement
• Loan Accounts
• Loan Billing Notice
• Prime Rate Notice
• Loan Sweep Debit and Credit Notice
• Home Equity Statement

By agreeing to the listed terms and selecting the “Enroll Now” button within the Online and Mobile Banking system, you understand and agree that by requesting electronic delivery you will NOT receive statements and/or notices in paper form delivered by the regular United States Postal Service unless you specifically discontinue the eStatements/eNotices service as described in this disclosure.

You agree that electronic delivery will satisfy Community National Bank’s requirement to provide you a periodic statement of your account(s). Your consent shall remain valid until such time as you exercise your right to revoke this consent. Community National Bank retains the right to discontinue this service at any time. Your eStatements service can be discontinued if the email notice is returned undeliverable for any reason. Should your eStatements service be discontinued, Community National Bank will resume the paper delivery of your statement(s) and/or notice(s) via the United States Postal Service and your account will be subject to the terms and conditions applicable to that account type and may incur fees.

By clicking the “Enroll Now”, you also acknowledge your understanding of, and agreement to, the following terms and conditions: 

Eligibility for eStatements and eNotices: You must be enrolled in our Online and Mobile Banking product in order to sign up for and view eStatements and eNotices. All account types for which the bank generates periodic statements are eligible for eStatements. For a statement which contains the information for more than one account “Combined Statement,” the lead account must be linked to Online and Mobile Banking and enrolled in eStatements to allow display of the Combined Statement.

Multiple Online banking Usernames: eStatements can be set up on multiple Online and Mobile Banking Usernames.

Hardware and software requirements: You will receive an email notification when your eStatements are available to view in Online and Mobile Banking. You will be required to enter your Online or Mobile Banking Username and password to access the eStatements. You will need to ensure that your computer software meets the following system requirements in order to view, print, and/or save your eStatements.

• Computer with the capability to access the Internet
• Email account
• Adobe Acrobat Reader (current version)
• Internet Browser that is modern and is on the list of supported browsers:
https://banno.com/browser-support/

By selecting “Enroll Now” you confirm that you meet the hardware and software requirements allowing you to access, view and print your eStatements and eNotices.

We will use our best efforts to deliver your eStatements in a timely manner and in accordance with any applicable time required by law. However, we shall incur no liability if we are unable to deliver your eStatements because of the existence of any one or more of the following circumstances:
 a. Our website or Online banking and Mobile banking is not working properly, and you know or have been advised by us of the malfunction; or
b. Circumstances beyond our control (such as, but not limited to, fire, flood, interruption in telephone service or other communication lines, interference from an outside force, legal restriction or delays in mail service) prevent proper delivery and we have taken reasonable precautions to avoid those circumstances. 
Your deposit account statements will be available to you online for 18 months and notices will be available for 90 days

Requesting paper copies of electronic communications: If you wish to receive a paper copy of any electronic communications sent to you, please call (802) 334-7915; send email to cnbhelp@communitynationalbank.com; or write to Community National Bank, 4811 U.S. Route 5, Newport, VT 05855. Please be as specific as possible regarding the information you are requesting. Do not include personal information such as account number or social security numbers in email, as it is not secure. Statements and notices will only be mailed to the address we have on file. There is no fee to request a paper copy of a regulatory notice or a copy of the terms and conditions and fees on your account. If you wish to have a paper copy of a statement, notice or check, normal research fees will apply.

Duty to review your periodic statements: You must promptly access/review your eStatements and any accompanying items and notify us in writing immediately of any error, unauthorized transaction, or any other irregularity. If you allow someone else to access your eStatements, you are still fully responsible to review the eStatements for any errors, unauthorized transactions or any other irregularities. Any applicable time periods within which you must notify us of any errors on your account statement(s) shall begin on the eStatements notification date regardless of when you access and/or review your eStatements. If you do not immediately report to Community National Bank, any non-receipt of eStatements or any error, irregularity, discrepancies, claims or unauthorized debits or items, you shall be deemed conclusively to have accepted all matters contained in the eStatements to be true, accurate and correct in all respects.

Updating your contact information: It is your responsibility to notify us if you change your email address. You may update your email address by going to Online (Documents) and/or Mobile banking (Documents) clicking on Personal Settings and making changes to your information.

 You agree that if we send you an eStatement but you do not receive it because your email address is incorrect, blocked by your service provider, or blocked by your spam filter, the bank will be deemed to have provided the eStatement to you.

How to withdraw your consent: You have the right to withdraw consent to receive statements and/or notices electronically at any time by canceling your enrollment in eStatements. Simply go to your Online banking (Documents) or Mobile Banking (Documents), click on Community National Bank under Accounts, then click on any account, then click on “Sign Up/Changes”, remove the checkmark from the account(s) you want to remove from eStatements. When you change your settings, the change will take place the next statement cycle and paper delivery of your statement(s) and/or notice(s) will resume. The applicable fees for consumer and business checking accounts going back to paper statements will be applied per statement per checking account. There is no fee to withdraw your consent to receive notices electronically. If you want to re-enroll your accounts simply go to your Online banking, under the “Sign Up/Changes”, check the box in front of the account(s) you want to enroll for eStatements. When you change your settings, the change will take place the next statement cycle.

 Changes and/or termination: Except as otherwise required by law, rule, or regulation, we may change the terms of this Agreement at any time. When changes are made we will update this Agreement on Online and Mobile Banking. Online and Mobile Banking will be updated on the effective date, unless an immediate change is necessary to maintain the security of the system or unless a law, rule or regulation requires that it be updated at an earlier time. If such a change is made, and it can't be disclosed without jeopardizing the security of the system, this Agreement will be updated within thirty (30) days after the change. You will be notified as soon as possible when any changes are made which materially affect your rights. As always, you may choose to decline changes to this Agreement by de-enrolling in the eStatements service. Your continued enrollment in the eStatements service is your acceptance to the Agreement. Changes to fees or terms applicable to eligible accounts are governed by the agreement otherwise governing the applicable account. It is your responsibility to review this Agreement including Community National Bank's Privacy Policy from time to time in order to be aware of any such changes.
By selecting “Enroll Now”, you agree that:

• You want to receive the selected eStatements and eNotices from the Bank electronically.
• Your computer system meets all of the requirements stated above.

If you have any questions on this document you can contact electronicbanking@communitynationalbank.com or call the electronic banking department at 802-334-7915

iPay Disclosure

rev. 03/24

I authorize Community National Bank (CNB) to post payment transactions generated by CNBs iPay to my account. I understand that I am in full control of my account. If at any time I decide to discontinue service, I will provide written notification to CNB. I understand that it may take up to seven (7) days for my iPay service to be discontinued and any pending payments scheduled up to the discontinuation of service date may be processed. My use of CNB Internet banking signifies that I have read and accepted these terms and conditions.

I understand that payments may take up to seven (7) business days to reach the payee and that payments will be sent either electronically or by check. CNB is not liable for any loss or penalty that I may incur due to a lack of sufficient funds or other conditions that may prevent the withdrawal of funds from my account. If my account is not kept in good standing, my access to iPay services may be revoked. If my iPay account is inactive for more than 120 days, the bank may discontinue iPay services until I apply for reactivation.

I received a Regulation E disclosure which controls Electronic Fund Transfers, when I opened my account. The following identifies additional terms and conditions:

1. Payments must be at least $1.00 and may not exceed $99,999.99.
2. Charges I may incur are $29.00 for a stop payment and charges for insufficient funds according to the fee schedule for my checking account.
3. I understand that person-to-person transfers may not exceed $2,500.00 per day per Online Username.

Business Bill Pay Disclosure

rev. 03/24

Introduction:

You may use Community National Bank's Business Bill Pay to direct Community National Bank to make payments from your designated checking account to the "Payees" you choose in accordance with this agreement. The terms and conditions of this agreement are in addition to the account agreements, disclosures and other documents governing your account.

Service Fees:

I understand I will be charged $10.00 per month for the use of Business Bill Pay which will include 15 transactions. If I exceed 15 transactions in any month, I understand I will be charged $.50 for each additional transaction.

Changes I may incur are $29.00 for a stop payment and charges for insufficient funds according to the fee schedule in affect at the time.

Making a withdrawal from your checking account may access your Overdraft Privilege limit, if the withdrawal amount exceeds your available balance. If the transaction causes you to become overdrawn, you may be charged the bank's overdraft fee.

Instructions for Setting up Payees & Payments:

Payees: If you want to add a new "Payee" first select "+ New Payee" then select company or Person, located within the Bill Pay tab.

• The Financial Institution reserves the right to refuse the designation of a "Payee" for any reason.
• Payments: You may add a new payment to a "Payee" by accessing the service and entering the appropriate information. Most other additions, deletions, or changes can be made in writing or by using the service.
• You may pay any "Payee" within the United States (including U.S. territories and APO's / AEO's).
• The Financial Institution is not responsible for payments that cannot be made due to incomplete, incorrect, or outdated information.

The Bill Paying Process:

Single Payments - A single payment will be processed on the business day (generally Monday through Friday, except legal holidays) that you designate as the payment's processing date, provided the payment is submitted prior to the daily cut-off time on that date. The daily cut-off time, which is controlled by the Financial Institution, is currently 3:00 PM.

A single payment submitted after the cut-off time on the designated process date will be processed on the next business day. If you designate a non-business date (generally weekends and legal holidays) as the payment's processing date, the payment will be processed on the first business day following the designated processing date.

Recurring Payments - When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a processing date is calculated for the next occurrence of the payment. If the calculated processing date is a non-business date (generally weekends and legal holidays), it is adjusted based upon the following rules:

• If the recurring payment's "Pay Before" option is selected, the processing date for the new occurrence of the payment is adjusted to the first business date prior to the calculated processing date.
• If the recurring payment's "Pay After" option is selected, the processing date for the new occurrence of the payment is adjusted to the first business date after the calculated processing date.

  • Note: If your frequency settings for the recurring payment specify 29, 30, or 31 as a particular day of the month for processing and that day does not exist in the month of the calculated processing date, then the last calendar day of that month is used as the calculated processing date.

    Single and Recurring Payments:

    The system will calculate the Estimated Arrival Date of your payment. This is only an estimate, so please allow ample time for your payments to reach your "Payees".

    Cancelling a Payment:

    A bill payment can be changed or cancelled any time prior to the cutoff time on the scheduled processing date.

    Liability:

    • You are solely responsible for controlling the safekeeping of and access to your Personal Identification Number (PIN).
    • If you want to terminate another person's authority to use the Bill Pay service, you must notify the Financial Institution to delete that individual.
    • You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment.
    • The Financial Institution is not responsible for a bill Payment that is not made if you did not properly follow the instructions for making a bill payment. 
    • The Financial Institution is not liable for any failure to make a bill payment if you fail to promptly notify the Financial Institution after you learn that you have not received credit from a "Payee" for a bill payment.
    • The Financial Institutional is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be the Financial Institution's agent.

  • Limits:

    The Bank will set Transaction and Daily Limits.

    Amendment:

    The Financial Institution has the right to change this agreement at any time by notice mailed or emailed to you at the last address shown for the account on the Financial Institution's records, or as otherwise permitted by law.

    Termination:

    • The Financial Institution has the right to terminate this agreement at any time.
    • You may terminate this agreement by written notice to the Financial Institution.
    • The Financial Institution is not responsible for any fixed payment made before the Financial Institution has a reasonable opportunity to act on your termination notice.
    • You remain obligated for any payments made by the Financial Institution on your behalf.

Bank to Bank Transfer Service Agreement

rev. 03/24

Within Online Banking you may separately enroll for the Bank-to-Bank Transfer service (“Service”). This Service allows you to transfer funds between your linked personal deposit accounts at Community National Bank and certain deposit accounts at other financial institutions. An incoming transfer moves funds into an account at Community National Bank. An outgoing transfer moves funds from an account at Community National Bank to an account outside of Community National Bank. You will need to enroll each of your non-Community National Bank accounts you wish to use for this Service. You agree that you will only attempt to enroll accounts for which you have the authority to transfer funds. All accounts requested to be used as part of this Service will be verified in accordance with Community National Bank’s procedures. The verification process must be completed by you prior to using the Service. You will have 10 days after enrolling an account to complete the verification process. Verification instructions are displayed to you during the enrollment process.

Funds requested to be transferred will be debited/credited to your Community National Bank account the business day following the day you initiate the transfer, provided you have met the FI's cutoff time for submitting Bank-to-Bank transfers. In the case of a future dated or recurring transfer, these time limits will be the business day following the scheduled date of the transfer. The cutoff time for initiating transfers is 4:00 p.m. Funds requested to be transferred will be debited/credited to the non-Community National Bank account according to the receiving FI’s availability and transaction processing schedule.

If you use our Bank-to-Bank transfer service to move funds electronically from an account with another financial institution, the funds will be available within 4 business days.

Requests for immediate transfers of funds cannot be canceled. Future dated and recurring transfers can be canceled by 3:30 p.m. the day prior to the scheduled transfer date. If the transfer status is “In Process, Pending, or Processed”, you cannot cancel the transfer. There currently are no fees for the Service. Fees are subject to change. Transfers are subject to the following limits unless otherwise agreed upon by you and Community National Bank:

1. Three incoming transfers per day per Username not to exceed a total of $3,000.
2. Three outgoing transfers per day per Username not to exceed a total of $3,000.

The above limits apply to the total of all transfers for each Username for all accounts enrolled in the Service. We may change your dollar limits and transfer limits at any time.

Note: Debits/Credits are only processed on business days. No processing is performed on holidays. If the Debit/Credit falls on a holiday or weekend, the Debit/Credit will be processed on the next business day.

Unless specifically listed in this agreement, this Service is subject to the definitions and terms you agreed to when enrolling for Online Banking.

By clicking on I Agree below, you agree to the terms of the Bank-to-Bank Transfer Service Agreement.

Terms of Use and Privacy Policy

rev. 06/21

The primary licensor for the online and/or mobile banking service you are using (the “Service”) is Jack Henry & Associates, Inc. (the 
"Provider"). By enrolling in our Service, you hereby agree as follows: 

1. General. The Provider is not the provider of any of the financial services available to you through the Service, and the Provider is not responsible for any of the materials, information, products or services made available to you through the Service.
2. Provider Privacy Policy. Provider may access personal information while you use the Service. Provider may access records held by your financial institution for such information as your phone number, home address or email address. Provider will use this contact information to alert you about Service-related events or actions that require your attention. If you grant permission to use phone information, Provider will use the phone number to pre-populate forms that expect a personal phone number for contacting. If you grant permission to use your device’s location, Provider will use the data when checking for nearby branch and ATM locations. If you grant permission to use access photos, media or other files stored on your device, Provider will use that information to add an image to a transaction and add a photo to your profile. If you grant permission to use a camera, Provider will use it when taking a picture to add an image to a transaction or to capture images of a check that is being deposited or to add a photo to your profile. In addition to this Provider Privacy Policy, your financial institution maintains a privacy policy covering the personal and financial information related to your use of the financial institution’s services and products, including such information that may be gathered through use of this Service, such as the “Account Information” and “Registration Information” described below.  A copy of that privacy policy is available from your financial institution.
3. Source of Information. The Service, at your direction, will retrieve your information maintained online by financial institutions and billers with which you have customer relationships, maintain accounts or engage in financial transactions and other log-in related information ("Account Information"). Provider does not review, verify or analyze the Account Information for accuracy or any other purpose, but simply gathers, organizes and reports available Account Information to you. Technical difficulties may result in a failure to obtain data, a loss of data, a loss of personalized settings or other service interruptions. Account Information is timely only to the extent that it is promptly provided by the third-party sites. Account Information may be more complete or up to date when obtained directly from the third-party sites. 
4. Your Responsibility for Information. You are responsible for providing Provider with accurate and updated (as necessary) account numbers, user names, passwords and other log-in related information ("Registration Information") so that the Service is able to access Account Information. If you become aware of any unauthorized use of your Registration Information, you should notify your financial institution immediately.
5. Rights You Grant to Provider. By submitting data, passwords, user names, PINs, log-in information, materials and other Registration Information to Provider through the Service, you are voluntarily supplying that content to Provider for the purpose of providing the Service to you. By submitting such information to Provider, you represent that you are entitled to submit it to Provider for use for this purpose, without any obligation by Provider to pay any fees. By using the Service, you expressly authorize Provider to access your Account Information maintained by identified third parties, on your behalf as your agent. When you use the "Add Accounts" feature of the Service, you will be directly connected to the website for the third party you have identified. Provider will submit information including user names and passwords that you provide to log you into the site. You hereby authorize and permit Provider to use and store the information submitted by you (such as account passwords and user names) to accomplish the foregoing and to configure the Service so that it is compatible with the third-party sites for which you submit your information. You acknowledge and agree that when Provider is accessing and retrieving Account Information from the third-party sites, Provider is acting on your behalf and not on behalf of the third party. You acknowledge that certain risks are inherent in the transmission of information over the internet, and you agree that by using the Service you are assuming those risks.
6. Consent to Use of Data. You agree that Provider may collect and use technical data and related information, including but not limited to technical information about your device, system and application software, and peripherals, that is gathered periodically to facilitate the provision of software updates, product support and other services (if any) related to the Service. Provider may use this information, as long as it is in a form that does not personally identify you, to improve its products or provide services or technologies.
7. Disclaimer of Warranty. THE SERVICE IS PROVIDED ON AN 'AS IS' AND 'AS AVAILABLE' BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGMENT. NO WARRANTY IS PROVIDED THAT THE SERVICE WILL BE FREE FROM DEFECTS OR VIRUSES OR THAT OPERATION OF THE SERVICE WILL BE UNINTERRUPTED. YOUR USE OF THE SERVICE AND ANY MATERIAL OR SERVICES OBTAINED OR ACCESSED VIA THE SERVICE IS AT YOUR OWN DISCRETION AND RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE RESULTING FROM THEIR USE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
8. Limitation of Liability. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL PROVIDER BE LIABLE FOR ANY DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THE SERVICE, INCLUDING BUT NOT LIMITED TO ANY GENERAL, SPECIAL, DIRECT, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY THEREOF, AND REGARDLESS OF THE LEGAL OR EQUITABLE THEORY  (CONTRACT, TORT OR OTHERWISE) UPON WHICH ANY CLAIM IS BASED. IN ANY CASE, PROVIDER'S LIABILITY ARISING OUT OF THE USE OR INABILITY TO USE THE SERVICE SHALL NOT EXCEED IN THE AGGREGATE THE SUM OF $250. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR CERTAIN TYPES OF DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
9. Google Analytics.  To assist Provider in maintaining and improving this application, Provider uses Google Analytics to gather information about usage of the Service. For example, it tracks how many visitors the Service has, which screens they spend time on, what kinds of operating systems and devices they use, and how they found the Service. Google Analytics does not track, collect or upload any data that personally identifies an individual (such as a name, email address, account number or billing information), or other data which can be reasonably linked to such information. The information helps Provider improve the performance of this Service for you. For more information on Google's use of the data, please see the website "How Google uses data when you use our partners' sites or apps" located at http://www.google.com/policies/privacy/partners/.
10. Miscellaneous. This End User Agreement constitutes the entire agreement between you and Provider concerning the subject matter hereof. This End User Agreement will be governed by and construed in accordance with the laws of the state of Iowa, excluding that body of laws pertaining to conflict of laws. If any provision of that portion of this Agreement is determined by a court of law to be illegal or unenforceable, such provision will be enforced to the maximum extent possible and the other provisions will remain effective and enforceable. All disputes relating to this End User Agreement are subject to the exclusive jurisdiction of the courts of Iowa and you expressly consent to jurisdiction and venue thereof and therein. This End User Agreement and all related documentation are and will be in the English language. The application of the United Nations Convention on Contracts for the International Sale of Goods is hereby expressly waived and excluded.