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.
Bill Payment Service
In addition to FirstNet Internet Banking, you may
elect to use Bill Pay. To access the Bill Pay service you must
have a personal checking account with First National. Bill Pay
is optional, however if you sign up for Internet Banking, you
automatically have the ability to access Bill Pay. If you
choose to enable the service Bill Pay allows you to make payments
electronically from your "linked" checking accounts with First
National to third parties. You may make payments through Bill
Pay to businesses that generate a bill or invoice for products or
services provided to you, or individual payees that have an address
we can verify.
The "Payment Date" is the date you enter into Bill Pay when setting
up a bill payment. You may set up single payments and
recurring payments. A single payment is a payment to be made
to a payee one time. Recurring payments are payments for a
fixed amount made to a single payee at recurring intervals (e.g.,
weekly, semi-monthly, monthly, quarterly, semi-annually, or
annually).
All payments you make will be deducted from the account that you
designate, which becomes the Payment Account. Funds will be
deducted from the Payment Account on the business day you designate
as the "Payment Date". Any payments you wish to make through Bill
Pay must be payable in U.S. dollars to a payee located in the
continental United States. Payments for time-sensitive payees
will be your sole responsibility if delayed or improperly processed
or credited. We reserve the right to restrict types of payees
to whom payments may be made using Bill Pay from time to time.
You should not use the Bill Payment Service to make payments to
settle securities purchases, the IRS or other tax payments, or court
ordered payments.
Funds must be available in your designated Payment Account on the
scheduled Payment Date. After funds are withdrawn to make a
payment, we may make the payment either by transferring funds
electronically or by mailing the payee a check. The Payment
Account is debited on the Payment Date, which will be earlier than
the date the payment is received by the payee. If the Payment
Date falls on a non-business day (e.g., Saturday, Sunday or
holiday), the payment will be sent on the next business day.
If your Payment Account does not have sufficient available funds to
make a payment on the day a payment is scheduled, we will try to
complete the payment on each of the next two business days. If
there are still insufficient funds on the third attempt the payment
will be canceled and no further attempt will be made by First
National to make the payment. First National shall have no
obligation or liability if it does not complete a transfer or
payment because there are insufficient available funds in your
Payment Account to process a transaction. In all cases, you are
responsible for either making alternative arrangements for the
payment or rescheduling the payment through the Bill Payment
Service. In the case of recurring payments, only the payment
currently scheduled will be canceled. Recurring payments
scheduled for future dates will not be affected.
You should schedule payments in advance to provide at least (7)
business days before any payment due date (that is, the due date
shown on your invoice or provided in your agreement with the payee,
not taking into account any applicable grace period). If you
do not, you will be fully responsible for all late fees, finance
charges or other action taken by the payee.
If the FirstNet session during which you schedule a
payment or transfer ends by 6:00 p.m. CST, First National will be
considered to have received it on that day. Otherwise, it will
be considered received the following business day. For all
entries made using FirstNet, the time (central
standard) recorded by FirstNet service controls.
First National will not be liable in any way for delays in mail
delivery, for changes to the payee's address or account number
(unless you have advised us of the change sufficiently in advance),
for the failure of any payee to correctly account for or credit the
payment in a timely manner, or for any other circumstances beyond
the control of First National.
You may cancel or change a payment using the Bill Payment Service.
Payments must be changed or canceled using the Bill Payment Service
prior to 6:00 p.m. on the business day the transaction is scheduled
to be made. If you wish to cancel a payment after it is issued
please call customer service at 580-482-7700. If we agree to
stop the payment, you will be charged a stop payment fee as detailed
in our Common and Miscellaneous Fees.
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 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:
- 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
Bunker Hill Office
110 East Broadway
1606 North Main
Altus OK 73521
Altus OK 73521
Frederick Office
Hobart Office
110 North Main
229 South Broadway
Frederick OK 73542
Hobart OK 73651
Mountain Park Office
Tipton Office
Highway 183 at Oak
100 South Broadway
Mountain Park OK 73559
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.
|
