Please read this disclosure carefully before
following the link at the bottom of the page.
Agreement 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.
Definitions "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.
Access 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.
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 “Change Password” option 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.
Security 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 First Net is encrypted in an effort to provide
transmission security and First Net utilizes identification
technology to verify that the sender and receiver of
First Net transmissions can be appropriately identified
by each other. Notwithstanding our efforts to insure that
the First Net 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 First Net 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
First Net 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 First Net
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
First Net statement. Transfers to and from your accounts
using First Net 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 First Net 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 First Net
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 First Net
services provided to you under this Agreement. We do not
and cannot warrant that First Net will operate without
errors, or that any or all First Net 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
First Net or Bill Pay service at any time by providing
us with written notice. Your access to First Net
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 First Net services
for any of the following reasons:
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.
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.
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 info@fnbaltus.com (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
Frederick Office 815 North 10th Frederick
OK 73542
Hobart Office 229 South Broadway Hobart
OK 73651
Mountain Park Office Highway 183 at Oak
Mtn Park OK 73559
Tipton Office 100 South Broadway Tipton
OK 73570
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.
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.
