Personal Enrollment Form Agreement


Petefish Skiles Online Disclosure
Electronic Funds Transfer Agreement

This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer (EFT) services offered to you by Petefish, Skiles & Co. Bank. In this agreement, the words you and yours mean anyone who signs up for Petefish Skiles Online as applicants, joint owners, or any unauthorized users. The words we, us, and our mean Petefish, Skiles & Co. Bank. The word account means any one or more draft accounts you have with Petefish, Skiles & Co. Bank. Electronic funds transfers are electronically initiated transfers of money from your account through the electronic funds transfer services described below. By using any EFT service, each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments of the EFT services offered.

All references to the “Program” reflect Petefish Skiles Online Banking offered by Petefish, Skiles & Co. Bank.

Petefish, Skiles & Co. Bank Online Banking Service

Transfer funds from your savings and checking accounts
Obtain balance information for your checking, savings, loan, and certificate accounts
Make loan payments from your savings or checking accounts
View account activity of your checking, savings, loan and certificate accounts

Accessibility-Your accounts can be accessed using the Program via a personal computer. The Program will be available for your convenience 24 hours per day. This service may be interrupted occasionally for data processing. Our Internet Banking provider does weekly maintenance on Wednesdays from 5:00-7:00 a.m. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. We may set limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient funds available. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction. If you type in your password incorrectly three consecutive times you will be locked out of your accounts until an administrator can reset your password. Contact a bank employee if this occurs. For security reasons, there is also a limit on the duration of each access. You will be timed out of the service after ten minutes on any one screen, regardless of keystrokes.
Reg D Restrictions and Transfer Limitations- The Federal Government, through Regulation D, limits certain specific transactions to six (6) per month, per savings account. This includes any combination of electronic transfers, withdrawal checks, and transactions involving a third party during any calendar month. We may refuse or reverse a transfer that exceeds these limitations and may assess fees against, suspend or close your account. A pre-authorized transfer includes any arrangement with us to pay a third party from your account upon oral or written orders including orders received through the automated clearinghouse (ACH).
There is no limit to the number of inquiries you may make in any one day.
Communication- You agree to grant us permission to send you information by postal and/or electronic mail. This includes e-mails to your personal e-mail account(s). We will only contact you by these means when we feel it is necessary to do so. These communications will be for the purpose of keeping you (the customer) abreast of changes, updates, and news pertaining to the Internet Banking service. Please note that Petefish, Skiles & Co. Bank will never send you emails asking for personal information such as account numbers, passwords, social security numbers, etc! If you receive a request such as this, please print it out and bring it to the bank immediately!!
Business Days- Our business days are Monday through Friday, excluding holidays.
Security of Access Code- You agree not to give account access to any unauthorized individuals. If you authorize anyone to use your access code, that authority shall continue until you specifically revoke such authority by notifying Petefish, Skiles & Co. Bank. You understand that any joint owner you authorize to use an access code may withdraw or transfer funds from any of your accounts. If you fail to maintain the security of these access codes and Petefish, Skiles & Co. Bank suffers a loss, we may terminate your Program access immediately. If you believe that someone may attempt to use this Program without your consent or has transferred money without your permission, you must notify us at once by calling 217-452-3041 during regular business hours.
Right to Receive Documentation (Periodic Statements)- Transfers and withdrawals made through electronic/PC transactions you make will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly.
Joint Accounts- If any of your accounts accessed under this Agreement are joint accounts, all joint owners, including any authorized users, shall be bound by this Agreement and, alone and together, shall be responsible for all transfers to or from any savings, checking or loan accounts as provided in this Agreement. Each joint owner, without the consent of any other account owner, may, and hereby is authorized by every joint account owner to, make any transaction permitted under this Agreement. Each joint owner is authorized to act for the other account owners, and Petefish, Skiles & Co. Bank may accept orders and instructions regarding any transfers on any account from any joint owner.
Fees and Charges- Online banking is being offered by Petefish, Skiles & Co. Bank as a free service to our customers/account holders. We reserve the right to set a limit to the number of free accounts we will allow. If we make any changes to our charges we will notify you as required by applicable law.
Customer Liability- You are responsible for all transactions you authorize using your EFT Services under this Agreement. If you permit other persons to use an EFT service or your access code, you are responsible for any transactions they authorize or conduct on any accounts. However, tell us at once if you believe someone has used your access code or otherwise accessed your accounts without your authority. Telephoning is the best way to keep your losses down.

If you believe someone has transferred or may transfer money from your account without permission, call us at 217-452-3041. In the event that you are unable to call, please email us at or write to: Petefish, Skiles & Co. Bank, 102 W Beardstown Street PO Box 18, Virginia, Illinois 62691.
Termination of EFT Services- You may terminate this Agreement or any EFT service at any time by notifying us in writing and stopping your use of any access code. We may also terminate this Agreement at any time by notifying you orally or in writing. We may also program our computer to not accept your access code for any EFT service. Whether you or Petefish, Skiles & Co. Bank terminates this Agreement, the termination shall not affect your obligations under this Agreement for any EFT’s made prior to termination.
Notices- All notices from us will be effective when we have mailed them or delivered them to your last known address in Petefish, Skiles & Co. Bank’s records. Notices from you will be effective when received by Petefish, Skiles & Co. Bank at the address specified in this Agreement. We reserve the right to change the terms and conditions upon which this service is offered. We will mail a notice to you at least twenty-one (21) days before the effective date of any change. Use of this service is subject to existing regulations governing Petefish, Skiles & Co. Bank accounts and any future changes to those regulations.
Errors and/or Questions- In case of an error and/or question about your electronic transfers, or if you believe an unauthorized transfer of funds has been made, you should notify us by one of the following methods:
1. Telephone us at 217-452-3041 during regular business hours;
2. Write to us at:
Petefish, Skiles & Co. Bank
102 W Beardstown Street PO Box 18
Virginia, Illinois 62691
3. Email us at

If you think that your statement is wrong or you need more information about a transfer listed on the statement, we must hear from you no later than sixty (60) days after you receive the first statement on which the problem or error appeared.
You must:
1. Give us your name and account number;
2. Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need additional information;
3. Give us the Confirmation number of the transaction (if available), and;
4. Give us the dollar amount of the suspected error.
If you tell us orally, we may require that you send your complaint in writing within ten (10) business days. We will inform you of the result of our investigation 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 45 days to investigate the complaint or question.
General Legal Information- Exclusions of Warranties
Disclosures of Account Information to Third Parties - We will disclose information to third parties about your account or transfers you make only in the following situations:
Where it is necessary for completing transfers;
In order to verify the existence and condition of your account to a third party, such as a credit bureau or merchant;
In order to comply with a governmental agency or court orders;
If you give us written permission.
Disputes - In the event of a dispute regarding the Program, you and the Program agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and the Program which supersedes any proposal or prior agreement, oral or written, and any other communications between you and the Program relating to the subject matter of this Agreement. If there is a conflict between what one Program employee says and the terms of this Agreement, the terms of this Agreement shall control.
Assignment - You may not assign this Agreement to any other party. The Program may assign this agreement to any future, directly or indirectly, affiliated company. The Program may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or third parties.
No Waiver - Petefish, Skiles & Co. Bank shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by an authorized officer of the Bank. No delay or omission on the part of the Program in exercising any rights or remedies shall operate as a waiver of such rights or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.
Captions - The captions of Sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions for this Agreement.
Governing Law - Petefish, Skiles & Co. Bank’s Bylaws, federal laws and regulations, the laws and regulations of the State of Illinois, and local clearinghouse rules, as amended from time to time govern this Agreement. As permitted by applicable law, you agree that any legal action regarding this Agreement shall be brought in the county in which Petefish, Skiles & Co. Bank is located.
Enforcement - You are liable to us for any loss, cost or expense we incur resulting from your failure to follow this Agreement. You authorize us to deduct any such loss, costs or expenses from your account without prior notice to you. If we bring legal action to collect any amount due under or to enforce this Agreement, we shall be entitled, subject to applicable law, to payment of reasonable attorney’s fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgement collection actions.
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Petefish Skiles & Co Bank