| Stanton State Bank
- The Service.
In consideration of the Online Banking services ("Services")
to be provided by Stanton State Bank ("BANK"), as described from time to time in
information distributed by BANK to its customers. In the agreement, "Customer"
refers to the person(s) subscribing to or using the Service. The Customer agrees
as follows: You may use a Personal Computer ("PC") through an Internet
connection to obtain account balances and transaction information. You may also
use your PC to obtain statements on your accounts and to transfer money between
your accounts. However, transfers from your savings and Money Market accounts
are considered pre-authorized transfers, and pre-authorized transfers are
limited to six (6) per monthly statement cycle by federal regulations. PLEASE
READ THIS AGREEMENT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.
- Your Password.
Each individual who has access to Online Banking,
including each individual named on joint accounts, must designate a password
and a user code. Your password must be a minimum of 8 characters, which must
consist of at least one (1) letter and one (1) numeric character. The
letters are case sensitive. For example, if you enter your password as:
1234abc you cannot use 1234ABC. It is recommended that you change your
password periodically to enhance security.
- Our Liability for Failure to Complete Transactions.
If we do not complete
a transfer to or from your account on time or in the correct amount
according to our agreement with you, we might be liable for some of your
losses or damages. However, there are some exceptions. We will not be liable
- if, through no fault of ours, you do not have enough money in your
account to make the transfer;
if the money in your account is subject to legal process or other
encumbrances restricting transfer;
if the transfer would go over the credit limit on your overdraft line (if
if the system was not working properly when you started the transfer;
if circumstances beyond our control (such as fire or flood or systems
failure) prevent the transfer, despite reasonable precautions that we
have taken; or
if the payee mishandles or delays handling payments sent by us.
All payments, transfers, and/or fees made with the
Service will appear on your monthly Account statement.
Fees for Services shall be payable in accordance
with a schedule of charges as established and amended by BANK from time to
time. Charges shall be automatically deducted from customer’s Account, and
BANK shall provide to Customer monthly notice of such debit(s) on your
You are solely responsible for the equipment
(including your personal computer and software) you use to access the
Services. We are not responsible for errors or delays or your inability to
access the Services caused by your equipment. We are not responsible for the
cost of upgrading your equipment to stay current with the Services nor are
we responsible, under any circumstances, for any damage to your equipment or
the data resident thereon.
Business Days/Hours of Operation.
Our business hours are
8 a.m. to 3 p.m. (CST), Monday through Friday, except bank holidays.
Although payments and transfers can be completed only on business days, the
Service is available 24 hours a day, seven days a week, except during
Notice of Your Rights and Liabilities.
Security of your
transactions is important to us. Use of the Services may therefore require a
PIN or password. If you lose or forget your PIN or password, please call
(402) 439-2164 during normal business hours listed above. We may accept as
authentic any instructions given to us through the use of your password or
PIN. You agree to keep your PIN and password secret and to notify us
immediately if your PIN or password is lost or stolen or if you believe
someone else has discovered your PIN or password. You agree that if you give
your PIN or password to someone else, you are authorizing them to act on
your behalf, and we may accept any instructions they give us to make
transfers or otherwise use the Services. Online Banking Services enables you
to change your password; we recommend that you do so regularly. We may be
liable for certain security breaches to the extent required by applicable
law and regulation. We do not assume any other liability or otherwise
guarantee the security of information in transit to or from our facilities.
Please note that we reserve the right to (1) monitor and/or record all
communications and activity related to the Services; and (2) require
verification of all requested transfers in the manner we deem appropriate
before making the transfer (which may include written verification by you.
You agree that our records will be final and conclusive as to all questions
concerning whether or not your PIN or password was used in connection with a
If any unauthorized use of your PIN or
password occurs you agree to (1) cooperate with us and appropriate law
enforcement authorities in identifying and prosecuting the perpetrator; and
(2) provide reasonable assistance requested by us in recovering any
unauthorized transfer of funds.
Tell us AT ONCE if you believe your
PIN or password has been lost or stolen. Telephoning is the best way of
keeping your possible losses down. You could lose all the money in your
account (plus your maximum line of credit). If you tell us within two (2)
business days, you can lose no more than $50. If you do NOT tell us within
two (2) business days after you learn of the loss or theft of your PIN or
password, and we can prove we could have stopped someone from using your PIN
or password without your permission if you had told us, you could lose 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 sixty (60) days after the
statement was mailed to you, you may not get back any money you lost after
the 60 days if we can prove that we could have prevented someone from taking
the money if you had told us in time. If you believe your PIN or password
has been lost or stolen or that someone has transferred or may transfer
money from your account without your permission, call (402) 439-2164 or
(402) 644-64744 during normal business hours listed above. WE CANNOT ACCEPT
NOTIFICATION OF LOST OR STOLEN PINS OR PASSWORDS OR UNAUTHORIZED TRANSFERS
Errors and Questions.
In case of errors or questions
about your electronic transactions, telephone us at (402) 439-2164 or
(402)644-4744 8 a.m.-4 p.m. (CST), Monday through Friday, or write us at:
as soon as you can, if you think
your statement or receipt is wrong or if you need more information about a
transaction listed on the statement or receipt. We must hear from you no
later than sixty (60) days after we sent you the FIRST statement on which
the problem or error appeared. You will need to:
Stanton State Bank
P.O. Box Box 437
Stanton, NE 68779-0437
Stanton State Bank Norfolk Branch
1021 Riverside Blvd
Norfolk, NE 68702-2312
If you tell us verbally, we
may require you to send us your complaint or question in writing within ten
(10) business days following the date you notified us. We will determine
whether an error occurred within ten (10)business days (twenty (20) business
days if the notice of error involves an electronic fund transfer to or from
the account within thirty (30) days after the first deposit to the account
was made) after we hear from you and will correct any error promptly. If we
need more time, however, we may take up to forty-five (45) days to
investigate your complaint or question. If we decide to do this, we will
credit your account within ten (10) business days (twenty (20) business days
if the notice of error involves an electronic fund transfer to or from the
account within thirty (30) days after the first deposit to the account was
made) 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 ask
you to put your complaint or question in writing and we do not receive it
within ten (10) business days, we may not credit your account.
- tell us your name and Account number (if any);
- describe the error or
the transaction you are unsure about, and explain as clearly as you can why
you believe it is an error or why you need more information; and
us the dollar amount of the suspected error.
determine there was no error, we will reverse the previously credited
amount, if any, and we will send you a written explanation within three (3)
business days after we finish our investigation. You may ask for copies of
the documents we used in our investigation.
- Disclosure of Account Information to Third Parties.
disclose information to third parties about your account or the transactions
- where it is necessary for completing transactions or resolving
errors involving the Services; or
- in order to verify the existence and condition of your account
for a third party, such as a credit bureau or a merchant; or
- in order to comply with government agency rules, court orders,
or other applicable law; or
- to our employees, service providers, auditors, collection
agents, affiliated companies, or attorneys in the course of their
duties and to the extent allowed by law; or
- if you give us your permission.
- Authorization to Obtain Information.
You agree that
we may obtain and review your credit report from a credit bureau or similar
We reserve the right to terminate the
Services, in whole or in part, at any time with or without cause and without
prior written notice. In that event, or in the event that you give us a
termination notice, we may (but are not obligated to) immediately
discontinue making previously authorized transfers, including recurring
transfers and other transfers that were previously authorized but not yet
made. We also reserve the right to temporarily suspend the Services in
situations deemed appropriate by us, in our sole and absolute discretion,
including when we believe a breach of system security has occurred or is
being attempted. We may consider repeated incorrect attempts to enter your
PIN or password as an indication of an attempted security breach.
Termination of the Services does not affect your obligations under this
Agreement with respect to occurrences before termination.
- Limitation of Liability.
Except as otherwise
provided in this Agreement or by law, we are not responsible for any loss,
injury, or damage, whether direct, indirect, special or consequential,
caused by the Service or the use thereof or arising in any way out of the
installation, operation, or maintenance of your PC equipment.
No waiver of the terms of this Agreement
will be effective, unless in writing and signed by an authorized officer of
You may not transfer or assign your
rights or duties under this Agreement.
- Governing Law.
The laws of the State of Nebraska
shall govern this Agreement and all transactions hereunder. Customer
acknowledges that he/she has reviewed this Customer Agreement, understands
the terms and conditions set forth herein, and agrees to be bound hereby.
We can change a term or condition of
this Agreement by mailing or delivering to you a written notice at least
thirty (30) days before the effective date of any such change. We do not
need to provide you with any prior notice where an immediate change in the
terms or conditions of this Agreement is necessary to maintain or restore
the security of our system or an account. However, even in these cases, if
the change is to be permanent, we will provide you with a notice of the
change with the next regularly scheduled periodic statement we send you, or
within thirty (30) days, unless disclosure would jeopardize the security of
our system or an account. Notices mailed or delivered to you under this
paragraph will be considered effective if mailed to the most recent address
we show for you in either our Checking or Savings Account records, or e-mail
address in which you agreed to receive such notices and/or disclosures.
Customer, in consideration of being
allowed access to the Services, agrees to indemnify and hold the BANK
harmless for any losses or damages to the BANK resulting from the use of the
Services, to the extent allowed by applicable law.
- Security Procedures.
By accessing the Services, you
hereby acknowledge that you will be entering a protected web site owned by
the BANK, which may be used only for authorized purposes. The BANK may
monitor and audit usage of the System, and all persons are hereby notified
that use of the Services constitutes consent to such monitoring and
auditing. Unauthorized attempts to up-load information and/or change
information on these web sites are strictly prohibited and are subject to
prosecution under the Computer Fraud and Abuse Act of 1986. Stanton State ID
Protect is an additional layer of security that is now a standard part of
your StantonStateBank.Com Online Banking login routine. Stanton State ID
Protect is made up of three parts: an image, a pass phrase and three
challenge questions no one else knows. When you're at your own computer,
enter your Access ID and then click on the Submit button. We'll show your
Stanton State ID Protect image and pass phrase, which verifies that you're
at the valid Online Banking site at Stanton State Bank. Now you know it's
safe to enter your Password. When you're signing in from a different
computer, we ask one of your challenge questions to verify your identity.
The secret Stanton State ID Protect pass phrase and image will appear after
you answer correctly. You know it's safe to enter your Password and login;
and we know that it's really you.
- Fee Schedule.
There is no monthly service charge for
online banking and bill payment services.
Fees that may be associated
with online banking are:
Research/Cancelled Check Copy Fee: $2.50 per
item or $25.00 per hour.
If you have agreed to receive eStatements please read:
NOTICE: Please examine this statement. If incorrect, please contact the
bookkeeping department at once. If no error is reported in ten (10) days, the
account will be considered correct.
We may report information about your
account to credit bureaus. Late payments, missed payments, or other defaults on
your account may be reflected in your credit report.
FINANCIAL INSTITUTION OFFERS THE FOLLOWING SERVICES AND YOU USE THESE SERVICES,
THESE DISCLOSURES, REQUIRED BY GOVERNMENT REGULATIONS, APPLY TO YOUR STATEMENT.
REVOLVING LOAN ACCOUNT
Immediate credit will be given for payments made at the address listed on the
front of this statement during the institution’s full service hours before
processing cut-off as stated on the front of your statement. Payments received
at any other location will be promptly credited, but credit could possibly be
delayed up to five (5) days.
The FINANCE CHARGE is computed on the
average-daily-balance method (including current transactions). We figure the
finance charge on your account by applying the periodic rate to the “average
daily balance” of your account (including current transactions). To get the
“average daily balance” we take the beginning balance of your account each day,
add any new advances, and subtract any payments or credits, (and unpaid finance
charges). This gives us the “average daily balance”.
IN CASE OF ERRORS OR INQUIRIES ABOUT YOUR BILL
If you think your bill is wrong, or if you need more information about a
transaction on your bill, write us (on a separate sheet) at the address shown on
your bill as soon as possible. We must hear from you no later than 60 days after
we sent you the first bill on which the error or problem appeared. You can
telephone us, but doing so will not preserve your rights.
In your letter,
give us the following information:
- Your name and account number.
- The dollar amount of the suspected error.
- Describe the error and explain, if you can, why you believe there is an error.
If you need more information, describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating, but you are still
obligated to pay the parts of your bill that are not in question. While we investigate your
question, we cannot report you as delinquent or take any action to collect the amount you
ELECTRONIC FUNDS TRANSFERS
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC
Telephone us at the telephone number, or write us at the address listed on
the front of the statement as soon as you can, if you think your statement or
receipt is wrong or if you need more information about a transfer on the
statement or receipt. We must hear from you no later than 60 days after we sent
you the FIRST statement on which the error or problem appeared.
- Tell us your name and account number (if any).
Describe the error or
the transfer you are unsure about, and explain as clearly as you can why you
believe there is an error or why you need more information.
Tell us the
dollar amount of the suspected error.
We will investigate your complaint and will correct any error promptly. If
we take more than 10 business days (5 business days if the suspected error
involves an unauthorized transfer made by use of your Debit Card or 20
business days if the suspected error occurred within 30 days after the first
deposit to the account) to do this, we will credit your account 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.
Protect Yourself From Identity Fraud
. Don't give any of your personal information to anyone in person, over the telephone, or over the internet, unless you have a very good reason to trust them.
. Don't give any of your personal information to any web sites that do not use encryption or other secure methods to protect it. More info
Protect yourself from Phishing fraud!
One of the newest types of Internet fraud is Phishing. For more information about Phishing and how to protect yourself click here
Enroll in Verified by Visa today!Verified by Visa protects your existing Visa card with a personal password, giving you reassurance that only you can use your Visa card online. Click here to enroll.
924 Ivy Street Stanton, NE 68779 (402) 439-2164
Copyright © 2004 Stanton State Bank