FNBnet Virtual Banking Agreement and DisclosureThis FNBnet Virtual Banking Agreement and Disclosure ("the Agreement") explains the terms and conditions governing basic FNBnet Virtual Banking services and bill pay services offered by The First National Bank of Beeville (collectively "FNBnet Virtual Banking Services"). By using any of the FNBnet Virtual Banking Services, you agree to abide by the terms and conditions of this Agreement. The terms "we", "us", "our", and "Bank" refer to The First National Bank of Beeville. "You" refers to each person who enrolls for FNBnet Virtual Banking Services and has a password. The term "business days" means Monday through Friday, excluding Saturday, Sunday and Federal banking holidays.
Your FNBnet Virtual Banking services and each of your accounts are also governed by the applicable Disclosures, Rates, and Fee Schedules provided by the financial institution in your new account packet as each may be modified from time to time. Collectively, the "Bank Documents".
You are responsible for paying any fees associated with FNBnet Virtual Banking and bill payment as outlined in the "Bank Documents" as well as any additional fees that may be assessed by your Internet Service Provider and for any telephone charges or fees incurred by accessing FNBnet Virtual Banking services.
Your initial use of FNBnet Virtual Banking services constitutes your acceptance and agreement to be bound by all of the terms and conditions of this Agreement and by the "Bank Documents", and acknowledges your receipt and understanding of this agreement.
Your FNBnet Virtual Banking services may be terminated if you have not logged on in the prior 90 consecutive days. If FNBnet Virtual Banking services are terminated due to inactivity, access can only be restored by completing the enrollment process again.
The Bank is entitled to act on instructions received through FNBnet Virtual Banking under your password and without inquiring into the identity of the person using that password. However, do not, under any circumstances, disclose your password by telephone or to any one claiming to represent the Bank; the Bank's employees do not need and should not ask for your password. You are liable for all transactions made or authorized using your password. The Bank has no responsibility for establishing the identity of any person using your password. If, despite the Bank's advice, you give your password to anyone, you do so at your own risk. Anyone to whom you give your FNBnet Virtual Banking password or other means of access will have full access to your accounts even if you attempt to limit that person's authority. You must notify the Bank that your password has been lost, stolen or otherwise compromised and should not be honored and must be disabled.
If two people hold a joint checking account, then there are two ways to enroll for FNBnet Virtual Banking Services. Both account holders may enroll separately and each will have his/her own password, and his/her own separate FNBnet Virtual Banking Agreement. Each such joint account holder is subject to separate FNBnet Virtual Banking Service fees as applicable. Alternatively, one holder of a joint account can enroll for FNBnet Virtual Banking Services with one password issued and be subject to fees for one person. You are liable for all transactions that you, or if you are using a joint Bill Payment Account, any of you, make or authorize, even if the person you authorize exceeds your authority. You hereby release the Bank from any liability and agree not to make any claim or bring any action against us for honoring or allowing any actions or transactions where you have authorized the person performing the action or transaction to use your account(s) and/or you have given your password to such person, or, in the case of a jointly held account such person is one of the owners of the account. You agree to indemnify the Bank and hold it harmless from and against any and all liability (including but not limited to reasonable attorney fees) arising from any such claims or actions.
The bank has the right to modify or terminate this agreement at any time. We will comply with any notice requirements under applicable law for such changes or termination. If we terminate this Agreement, no further FNBnet Virtual Banking transfers or bill payments will be made, including but not limited to any payments or transfers scheduled in advance or any pre-authorized recurring payments or transfers. If we modify this Agreement, your continued use of FNBnet Virtual Banking Services will constitute your acceptance of such changes in each instance.