Internet Banking
Agreement & Disclosure

This Agreement, which includes the Enrollment Form, is a contract which establishes the rules which cover your electronic access to your accounts at First National Bank in Altus (First National) through FirstNet Banking (FirstNet).  By using FirstNet, you accept all the terms and conditions of this Agreement.  Please read it carefully.

The terms and conditions of the deposit agreements and disclosures for each of your First National accounts as well as your other agreements with First National such as loans continue to apply notwithstanding anything to the contrary in this Agreement.

This Agreement is also subject to applicable federal laws and the laws of the State of Oklahoma (except to the extent this Agreement can and do vary such rules or laws).  If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect.  The headings in this Agreement are for convenience or reference only and will not govern the interpretation of the provisions.  Any waiver (express or implied) by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or subsequent default or breach.  You may not assign this Agreement.  This Agreement is binding upon your heirs and First National’s successors and assigns.  Certain of the obligations of the parties pursuant to this Agreement shall survive termination, cancellation or expiration of this Agreement.  This Agreement, together with the Enrollment Form, constitutes the entire agreement between you and First National with respect to the subject matter hereof and there are no understandings or agreements relative hereto which are not fully expressed herein.

“Access ID” is a unique user code – you will designate your Access ID at the time of enrollment.  The ID must be at least 6 characters and not more than 19 and must end with the last three digits of your primary account number.

“Account or Accounts” means your accounts at First National Bank.

“Business Days” mean Monday thru Friday.  Holidays are not included.

“Electronic Funds transfers”mean ATM withdrawals, preauthorized transactions, point of sale transactions, and transfers to and from your First National accounts using FirstNet Banking.

“Password” is the temporary code provided to you by First National for use during the initial sign-on process, and the code you personally must select that establishes your connection to Personal Online Banking.

“Payment Account” means any online checking account at First National that was established primarily for personal or household purposes, from which you will be conducting Personal Online Banking transactions.

“System Services” means the services provided pursuant to this Agreement.

“We”, “Our”, “Us”, or “Bank”refers to First National Bank in Altus

“You” & “Your”refer to the account holder authorized by First National Bank to use FirstNet Banking under this Agreement and anyone else authorized by that account holder to exercise control over the account holder’s funds through FirstNet Banking.

To use FirstNet, you must have an account at First National, access to Internet service, and an e-mail address. Once we have received your signed Enrollment Form, and verified your account information, we will send you, by U.S. Postal Service, confirmation of our acceptance of your enrollment, along with your temporary password.  FirstNet can be used to access all accounts of which you are a legal owner or authorized signer and that are contained in your personal portfolio with First National Bank.  You can delete any of your First National accounts from viewing over the internet by listing them as “Non-Viewable” on your Enrollment Form.  Access to your accounts through FirstNet will be based upon the identification of users specified by you in your Enrollment Form.  We undertake no obligation to monitor transactions through FirstNet to determine that they are made on behalf of the account holder.

FirstNet Services
You can use FirstNet to check the balance of your First National deposit accounts, view account histories, and transfer funds between your First National accounts. If you are enrolled in Bill Pay you can direct payment from your payment account to businesses or individuals that you wish to pay.

Mobile Banking

Our Mobile Banking service allows you to access your First National account information and perform certain Online Banking transactions. 

Use of our Mobile Banking application requires that you have enrolled in FirstNet Banking and that you have a web-enabled smart phone i.e. I-Phone or Android.  To access your accounts you must have a Mobile PIN and a One Time Password.

You may access an account with your mobile device to obtain balances, view transaction history and transfer between your First National accounts. You may also obtain locations of and directions to branches and ATM’s of First National Bank.

We do not charge a fee for Mobile Banking.  Your mobile device carrier may charge you to receive Internet, cellular or other data service.  You should check with your Mobile Device carrier for details on specific fees and charges that may apply to you.

New Services

New services may be introduced for use with Personal Online Banking from time to time.  We will notify you of the existence of these new services by placing information on our website.  By using these services when they become available, you agree to be bound by the rules posted to our website that will be made available to you concerning these services.

Hours of Access
You can use FirstNet seven days a week, twenty-four hours a day, although some or all of FirstNet services may not be available occasionally due to emergency or scheduled system maintenance.  We agree to post notice of any extended periods of non-availability on our website.

Your Password
For security purposes, you are required to change your password upon your initial log in to FirstNet.  You determine what password you will use and the identity of your password is not communicated to us.  You will be required to change your password every six months, however; you can change your Password at any time by selecting the “Options” tab in FirstNet.  You agree that we are authorized to act on instructions received under your password.  After five (5) unsuccessful attempts to use your password, your access to FirstNet will be revoked.  To re-establish your authorization to use FirstNet, you must contact us to have your password reset or to obtain a new temporary password.  You agree to assume responsibility for all transactions conducted by other persons to whom you have given your Access ID and password.

Your case-sensitive password must be at least six keystrokes in length must not exceed ten keystrokes and must be alpha and numeric.  Your password should not be associated with any commonly known personal identification, such as social security numbers, address, date of birth, names of children and should be memorized rather than written down.

You understand the importance of your role in preventing misuse of your accounts through FirstNet and you agree to promptly examine your statement for each of your First National accounts as soon as you receive it.  You agree to protect the confidentiality of your account and account number, and your personal identification information, such as your driver’s license number and social security number.  You understand that personal identification information by itself, or together with information related to your account, may allow unauthorized access to your account.  Your password and log in ID are intended to provide security against unauthorized access to your accounts.  Data transferred via FirstNet is encrypted in an effort to provide transmission security and FirstNet utilizes identification technology to verify that the sender and receiver of FirstNet transmissions can be appropriately identified by each other.  Notwithstanding our efforts to insure that the FirstNet system is secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others.  We cannot and do not warrant that all data transfers utilizing FirstNet, or e-mail transmitted to and from us, will not be monitored or read by others.

Fees and Charges
You agree to pay the fees and charges for your use of FirstNet and Bill Pay Services as set forth in the current fee schedule.  You agree that all such fees and charges will be deducted from your First National checking account.  You agree to pay any additional reasonable charges for services you request which are not covered by this Agreement.  You are also responsible for telephone and Internet service fees you incur in connection with your use of FirstNet.

Posting of Transfers
Transfers initiated through FirstNet before 6:00 p.m. CST on a business day are posted to your account the same day.  Transfers completed after 6:00 p.m. CST on a business day, Saturday, Sunday, or banking holiday, will be posted on the next business day.

FirstNet identifies transfers based upon the log in ID of the user who made the electronic transfer.  Furthermore, you understand and acknowledge that transfers made by another authorized user of your account may not be visible to you until they are posted if different log in IDs are used.  You agree to communicate with any other persons with authorized access to your accounts concerning any transfers from your accounts in order to avoid overdrafts.

Overdrafts (Order of Payments, Transfers, and other Withdrawals
If your account has insufficient funds to perform all electronic fund transfers you have requested for a given business day, then:

Limits on Amounts and Frequency of FirstNet Transactions
The number of transfers from First National accounts and the amounts which may be transferred are limited pursuant to the terms of the applicable deposit agreement and disclosure for those accounts.  If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.

Periodic Statements
You will not receive a separate FirstNet statement. Transfers to and from your accounts using FirstNet will appear on the respective periodic statements for your First National accounts. 

Change in Terms
We may change any term of this Agreement at any time.  If the change would result in increased fees for any FirstNet service, increased liability for you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice at least thirty (30) days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer system.  We will post any required notice of the change in terms on the First National Bank website or forward it to you by e-mail or by postal mail.  If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic fund transfer system, we will notify you of the change in terms within thirty (30) days after the change becomes effective.  Your continued use of any or all of the subject FirstNet services indicates your acceptance of the change in terms.  We reserve the right to waive, reduce or reverse charges or fees in individual situations.  You acknowledge and agree that changes to fees applicable to specific accounts are governed by the applicable deposit agreements and disclosures.

Request a copy of our Regulation E Disclosure for information concerning the following:

Who to contact in case of errors or questions about your electronic transfers.

Our liability for failure to make a transfer

Your liability for unauthorized transfers

Disclosure of Account Information and Transfers

Disclaimer of Warranty and Limitation of Liability
We make no warranty of any kind, express or implied, including any implied warrant of merchantability or fitness for a particular purpose, in connection with FirstNet services provided to you under this Agreement.  We do not and cannot warrant that FirstNet will operate without errors, or that any or all FirstNet services will be available and operational at all times.  Except as specifically provided in this Agreement, or otherwise required by law, you agree that our officers, directors, employees, agents, or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products provided under this Agreement or by reason of your use of or access to FirstNet, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty.  Further, in no event shall the liability of First National Bank and its affiliates exceed the amounts paid by you for the services provided to you through FirstNet.

Your Right to Terminate
You may cancel your FirstNet or Bill Pay service at any time by providing us with written notice.  Your access to FirstNet or Bill Pay will be suspended within three (3) business days of our receipt of your instructions to cancel the service.  You will remain responsible for all outstanding fees and charges incurred prior to the date of cancellation.

Our Right to Terminate
You agree that we can terminate or limit your access to FirstNet services for any of the following reasons:
1.  Without prior notice, if you have insufficient funds in any one of your First National accounts.
          FirstNet services may be reinstated, in our sole discretion, once     sufficient funds are available to cover any fees, pending transfers and debits.
2.  Upon three (3) business days notice if you do not contact us to designate a new Primary Checking account immediately after you close your Primary Checking Account.

3.  Upon reasonable notice, for any other reason in our sole discretion.

Communication between First National and You
Unless this Agreement provides otherwise, you can communicate with us in any of the following ways:

E-Mail – Questions can be submitted by e-mail at (Please note that confidential account information should not be transmitted via e-mail).

Telephone – You can contact us by telephone at (580) 482-7700 between the hours of 8:00 a.m. and 4:00 p.m. Monday through Thursday and 8:00 a.m. through 5:30 p.m. Friday.

Postal Mail – You can write to us at:
First National Bank in Altus
P. O. Box 637
Altus OK  73522

In Person – you may visit us in person at any one of our locations:

Main Bank
110 East Broadway
Altus OK  73521
Bunker Hill Office  
1606 North Main
Altus OK  73521 
Hobart Office
229 South Broadway
Hobart OK  73651 
Frederick Office   
815 North 10th
Frederick OK 73542

Consent to Electronic Delivery of Notices
You agree that any notice or other type of communication provided to you pursuant to the terms of this Agreement, and any future disclosures required by law, including electronic fund transfer disclosures, may be made electronically by posting the notice on the First National website or by e-mail.  You agree to notify us immediately of any change in your e-mail address.

NOTICE Should you elect to take advantage of the Free Online Bill Pay Service, a disclosure explaining the service will be provided to you electronically. Please make sure that you read and understand the disclosure. If you have any questions we will be happy to help you.

Mobile Deposit Usage Guidelines

First National Bank Mobile Deposit is supported on mobile devices with the following operating systems:

  • Android 2.2 +
  • iOS – iphone 5.0.1 +

The First National Bank app may be downloaded to your smartphone. Visit the app store for your phone and search for FNBALTUS to download the app. If you already have our app, update it with the most recent version.

Safeguarding your personal information

We urge you to be cautious when using Mobile Deposit to make your deposits. Following these guidelines is important to ensure the safety and integrity of your deposited items and to protect your bank account.

  • Always remember to treat your mobile device with the same care as you do your personal computer.
  • Avoid storing sensitive information like passwords and social security numbers on your mobile device.
  • Password protect your mobile device and lock it when you’re not using it.
  • Be aware of your surroundings. Don’t type any sensitive information if others around you can see.
  • Protect your phone from viruses and malware just like you do for your computer by installing mobile security software.
  • Download the updates for your phone and mobile apps.
  • Use discretion when downloading apps.
  • Monitor your accounts regularly and report suspicious activity to your financial institution immediately.

Subject to availability

Enrollment in Mobile Deposit is subject to availability. Once enrolled, you can deposit checks using our Mobile Deposit service anytime, anywhere.

Mobile Deposit Controls

Users of Mobile Deposit are responsible for maintaining control over the proper use of the service, as well as the original paper items used to make deposits through the Mobile Deposit service.

Check Safekeeping Retention and Destruction

How you securely maintain the original paper items, how long you keep them, and how you destroy them are critical to the Mobile Deposit Service.

Check Safekeeping Guidelines

Mobile Deposit users are required to retain the original paper items in a secure place.

Check Retention Guidelines

Mobile Deposit users are required to retain the original paper items for a minimum of five (5) calendar days, but no longer than fourteen (14) days, after they have been transmitted to the Bank ("Retention Period"). This provides sufficient time for research in case there is an issue with the image quality or if the original item is required for any other reason. During this time, the paper items should be stored in a secure place. After the retention period, the original paper items should be destroyed to ensure they are not accidentally deposited again.

Check Destruction Guidelines

Mobile Deposit users are required to securely and irretrievably destroy the original paper items, after the retention period. A cross-cut or diamond shredder will assist in complete destruction of check information. Do not leave deposited items lying around, do not put deposited items in trash or recycle containers, unless they have been shredded first.

I AGREE:  By clicking the CONTINUE button below, I agree that I have read the above disclosure, agree to the terms and would like to proceed with online registration.

I have read and understood First National Bank's Disclosure Statement.