|Citizens State Bank of Tyler, Inc.
Internet Banking Service (CSB I-Banking) and, if available, Bill Paying (CSB Bill Payer) Agreement
This Internet Banking Agreement ("Agreement") explains the terms and conditions governing access to the internet banking service (“CSB I-Banking”) offered by the Citizens State Bank of Tyler, Inc. The term "services" may or may not include the bill paying feature, "CSB Bill Payer". The customer in the Agreement is referred to as "you" or "your" and refers to each signer on an account. The terms "we", "us" and "our" refer to Citizens State Bank of Tyler, Inc, In addition to this Agreement, you agree to be bound by and will comply with the requirements in all Account Agreements, our Truth in Savings Disclosure, our Schedule of Fees and Charges, our Funds Availability Policy, our Electronic Funds Transfer Notice, our Policies, Rules and Procedures, the Rules and Regulations of any funds transfer system to which the Bank belongs and all applicable State and Federal laws and regulations. For the purposes of any CSB I-Banking activity, inquiry and transactions, if there is a conflict between this Agreement and any initial disclosures you received when you opened your account(s), this Agreement will control.
You agree to be responsible for any charges (telephone, internet provider, etc.) that you incur by accessing CSB I-Banking. If you wish to cancel CSB I-Banking, please send us cancellation instructions in writing to: Citizens State Bank of Tyler, Inc, PO Box 430, Tyler, MN 55178.
User Identification Number and Password
You will be assigned a User Identification Number, ("User ID") and an initial Password number that will log you in to access your accounts and provided services. Upon entering CSB I-Banking the first time, you will be required to change the password before using CSB I-Banking. The password can be changed through the “Services” option under “Password Change”. You may change your password as often as you like, however, your password will expire after a specific number of days have elapsed. CSB I-Banking will warn you several days in advance of an expiring password. You agree not to disclose your User ID and Password to anyone. You are responsible for keeping your User ID and Password confidential.
Liability for Unauthorized Use
Tell us AT ONCE if you believe your password has been lost or stolen. Changing your password and contacting us immediately by telephone or personally stopping into the Bank are the best ways of minimizing your possible losses. You could lose all the money in your account (plus your maximum overdraft line of credit, if available). If you tell us within two (2) business days, you can lose no more than $50.00 if someone used your password without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your password, and we can prove that we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500.00. 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 lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call us at (507)247-5531 or 800-259-5379 during normal business hours or write us at PO Box 430, Tyler, MN 56178.
Citizens State Bank of Tyler, Inc, is not liable for any loss related to authorization given to aggregators, consolidators or screen scraping firms. Citizens State Bank of Tyler, Inc, prohibits the user from providing access to their CSB I-Banking and CSB I-Bill Payer accounts by aggregators, consolidators or screen scraping firms.
Exclusion of Warranties and Limitation of Liability
Access to Services is provided on an "as is, as is available" basis. This Bank makes no warranties of any kind, whether express or implied, for the Services. This Bank also disclaims any warranty of merchantability, fitness or non-infringement for any particular purpose. You expressly agree that use of the CSB I-Banking and CSB Bill Payer services and the transmission of information through the CSB I-Banking and CSB Bill Payer is at your sole risk. Neither this Bank nor its employees or agents warrant these services will be uninterrupted or error free. Neither this Bank nor anyone else involved with the creation, distribution, production or delivery of the services available on CSB I-Banking and CSB Bill Payer shall be liable for any direct, indirect, incidental, special or consequential damages you suffer, this includes loss of use, data or profits, whether or not advised of the possibility of damage and on any theory of liability resulting from delays, non-deliveries, miss-deliveries or service interruptions. You agree to indemnify and hold harmless the Bank, including its directors, officers, employees and agents, from any claims resulting from your use of CSB I-Banking and CSB Bill Payer, which causes damage to you or another party. Use of any information obtained through the CSB I-Banking and CSB Bill Payer is at your own risk.
Hours of Accessibility
You can generally access your CSB I-Banking and CSB Bill Payer services seven days a week, twenty four hours a day. Periodically CSB I-Banking or CSB Bill Payer may not be available due to system maintenance. Transfers made after 12:00 P.M. (Central Time) will be processed on our next regular business day.
Additional Terms and Conditions
We normally update account information between 9:00 and 10:00 AM, again between 11:30 AM and 12:30 PM, and finally between 2:30 PM and 3:30 PM, Monday through Friday (central time). You can obtain balance and transaction history on all eligible Bank accounts. Any account for which you are only an authorized signer, but have no ownership rights, will not be accessible. Accounts that require two or more signatures are not eligible for transfer of funds. Funds are available according to the Funds Availability Policy you received when you opened your deposit account. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer funds until the hold expires or is deleted by the Bank.
Bill Payer Services (if available)
You may enroll for CSB Bill Payer and arrange for the payment of your current, future and recurring bills from your designated Citizens State Bank of Tyler, Inc, checking account using collected funds within that account. You can pay bills up to a maximum of $5,000 per transaction, per payee/merchant each business day. You can pay any merchant or individual approved through CSB Bill Payer but you cannot pay any government agency. When CSB Bill Payer receives payment instructions, payments will be remitted on your behalf from the collected funds in your authorized payment account to the payee, approximately 3-5 business days after the "Payment Date"* you have set. Bill payment items will be treated just like any other check that you write. Should the item be returned, you will be assessed overdraft charges and a hold may be placed on your bill payment service. You have the right to stop or change any scheduled payment providing you cancel the payment no later than 2:00 PM (central time) on the Payment Date by using the edit function to delete the instructions to pay or contact our Customer Support at 507-247-5531 or 800-259-5379. Customer Service hours are Monday, Tuesday, and Thursday 8:00 AM to 3:00 PM, Wednesday 7:00 AM to 5:30 PM, Friday 7:00 AM to 4:00 PM (central time) and closed Saturday and Sunday and some designated legal holidays.
*IMPORTANT NOTE: The "payment date" is NOT your payment due date to the third party. Any payments made with CSB Bill Payer require sufficient time for your payee to credit your account properly. To avoid incurring a finance charge or other charge, you must schedule a payment sufficiently in advance of the due date of your payment. When you schedule payments: YOU MUST SCHEDULE THE PAYMENT AT LEAST FIVE (5) BUSINESS DAYS FOR ELECTRONIC PAYMENTS AND TEN (10) BUSINESS DAYS FOR CHECK PAYMENTS PRIOR TO THE DATE THE PAYMENT IS DUE AT YOUR PAYEE. Checks sent to foreign countries will take longer.
Bank shall not be responsible for any charges imposed or any other action taken by a payee resulting from a payment that you have not scheduled properly, including any applicable finance charges and late fees. In addition, this Bank will not be liable if any third party, through whom any bill payment is made, fails to properly transmit the payment to the intended payee. This Bank will not be liable if there are insufficient funds, uncollected funds or credit available in your designated payment account and/or overdraft protection plan, if a legal order directs us to prohibit withdrawals from the payment account, if the payment account is closed or frozen, or if the CSB I-Banking and/or CSB Bill Payer services are not working properly. Bank will not be liable for indirect, special or consequential damages arising out of the use of CSB Bill Payer. Accounts that require two signatures are not eligible to be linked to CSB Bill Payer.
If, for any reason, you should ever wish to cancel CSB Bill Payer (contact Citizens State Bank of Tyler, Inc, for a cancellation form) you can cancel all future or scheduled bill payments at the same time that you cancel your service by deleting all payees from your personal payment schedule in CSB Bill Payer. This will ensure that future payments will not be processed. You agree to maintain a sufficient balance at all times to pay all debits, fees and charges presented for payment through CSB Bill Payer. We may cancel your CSB I-Banking and CSB Bill Payer services at any time without prior notice due to insufficient funds in any of your accounts. After cancellation, we may reinstate these services, once sufficient funds are available in your account to cover any fees and other pending transfers or debts and this Agreement will be reinstated exactly as it was before the cancellation. You may request that we reinstate your services by calling our Customer Service Department at 507-247-5531 or 800 259-5379 during business days between the hours Monday, Tuesday, and Thursday 8:00 AM to 3:00 PM, Wednesday 7:00 AM to 5:30 PM, Friday 7:00 AM to 4:00 PM (central time).
Bill Payer Fees
The monthly fees are automatically charged to your Payment Account on or about the 20th of each month whether or not bill payments are made in the month. In Case of Errors or Questions About Your Electronic Transfers Telephone us at (507) 247-5531 or (800) 259-5379 or write us at P.O. Box 430, Tyler, MN 56178, as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error 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 it is an error or why you need more information.
* Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or questions in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days 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 for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or questions in writing and we do not receive it within the ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If a notice of error involves an electronic fund transfer that occurred within thirty (30) days after the first deposit to the account was made, the applicable time periods for action shall be twenty (20) business days in place of ten (10) business days. If a notice of error involves an electronic fund transfer that was initiated in a foreign country, occurred within thirty (30) days after the first deposit to the account was made, or is a point of sale debit card transaction, the applicable time period for the action shall be ninety (90) calendar days in place of forty five (45) calendar days.
We reserve the right to change the terms described in this Agreement. When changes are made to any terms we will update this Agreement and send a notice to you at the address shown on our records. The notice will be sent at least thirty (30) days in advance of the effective date of any additional fees for Services or of any stricter limits on the type, amount or frequency of transactions or any increase in your responsibility for unauthorized transactions unless an immediate change is necessary to maintain the security of the CSB-I Banking system. If such a change is made, and it can be disclosed without jeopardizing the security of the CSB I-Banking system, we will provide you with electronic or written notice within thirty (30) days after the change. As always, you may choose to accept or decline change by continuing or discontinuing the accounts or services to which these changes relate. We also reserve the option, at our discretion, to waive, reduce or reverse charges or fees in individual situations. Changes to fees applicable to specific accounts are governed by the applicable Schedule of Fees and Charges.
Other General Terms
The Bank reserves the right to terminate this Agreement and your access to CSB I-Banking and CSB Bill Payer services in whole or in part, at any time, without prior notice. Reasons may include, but are not limited to, insufficient funds in any of your accounts, inactivity, failure to make timely payment of fees, or marital separation or divorce involving joint account holders. The Bank may assign this Agreement to a parent corporation or to any now existing or future direct or indirect subsidiary of its parent corporation. We may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties. The first time you access CSB I-Banking you are confirming your agreement to be bound by all of the terms and conditions of this CSB I-Banking Service Agreement and you thereby acknowledge your receipt and understanding of this disclosure.