Personal Enrollment Form Agreement

Welcome to Security State Bank's on-line banking enrollment.
When you click on "I Agree" below, you are asking us to set you up to become an On-Line Banking Customer.

If you do not want to enroll, please click on the "Return to Bank" button below.

Please read the following agreement and by clicking on the “I agree” below, you are giving us permission to set up service for you as an Online Banking Customer.

Security State Bank Online Banking Services Agreement

1. Introduction
This Online Banking Services Agreement (“Online Banking Agreement”) explains the terms and conditions governing the Online Banking Agreement and the related information provided by Security State Bank prior to using Online Banking. By using the Online Banking Services you agree to abide by the terms “we”, “us”, “our”, and “Bank” refer to Security State Bank. The words “you”, “your”, and “yours” mean each deposit owner, authorized deposit account signer, and anyone authorized to act on behalf of a deposit account owner. You agree that Security State Bank may provide any notices required by law or by this Agreement in electronic form.

2. Accessing Your Bank Account through Online Banking
You can access your IB bank accounts through Online Banking. Each of your accounts at the bank are also governed by your Deposit Account Agreement and Disclosure, Funds Availability Act Disclosure, Electronic Funds Transfer Act Disclosure and related account agreements.
Types of Transactions: You may access certain account(s) you maintain with us by computer using your assigned user ID and password by accessing the online banking service. You may use the following functions:

• Transfer funds between eligible accounts.
• Obtain balance information on eligible accounts.
• Review transactions on eligible accounts.
• Online bill payment.
• Obtain copy of statement.
• Order checks.
• Access to accounts and account information on hand held Mobile Devices including mobile deposits.

3. Requirements
To access your personal and/or business accounts through Online Banking, you must have a Bank account, a User ID, and an Online Banking password.

4. Fees
There are no monthly fees for accessing your account(s) through Online Banking. Certain fees may apply to services ordered online. ACH services may have additional fees that will be made available to you at the time you sign up for these services. Please note that fees for Internet Access will be assessed and billed separately by your Internet Service provider. Data storage and mobile phone usage charges may apply for Mobile Device usage. Mobile Deposits are limited to $1500 per day.

5. Electronic Mail (E-Mail)
Sending e-mail though Online Banking is a way to communicate with the bank. Online Banking has provided e-mail capabilities for you to ask questions about your account(s) or to provide us comments on your banking service. The e-mail capability is accessible after you sign on with your password to a secure session with Online Banking. Despite our best efforts, messages sent by e-mail may not be secure, may be intercepted by third parties and may not be immediately received by the appropriate department of Security State Bank. Please do not use e-mail to send us communications which contain confidential information, which we require in writing or which need our immediate attention. An Internet record that an e-mail has been “sent” or “received” is not verification that the e-mail has been received by Security State Bank. You cannot use e-mail to initiate transactions on your account(s). For banking transactions, please use the appropriate functions within Online Banking or call Security State Bank Customer Service at 218.736.5485 in Fergus Falls.
In Case of Errors or Questions About Your Electronic Transfers. Call us at 218.736.5485 in Fergus Falls, or write us at Security State Bank, 128 E Washington St, FERGUS FALLS, MN 56537 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 question 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 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 money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account.
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 error involves a new account. For errors involving new accounts, point of sale debit card transactions, or foreign-begun transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. 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 unauthorized use of your point of sale debit card with the VISA logo when it is used as a VISA point of sale debit card, we will provide provisional credit within five (5) business days after you notify us instead of within ten (10) or twenty (20) business days. We may withhold providing this accelerated provisional credit, to the extent allowed under applicable law, if the circumstances or account history warrants the delay. Tell us your name and account. 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.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 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 your complaint or question. If we decide to do this, we will re-credit your account within 10 business days for the amount your 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 question in writing and we do not receive it within 10 business days, we may not re-credit your account. If we decide that there was no error, we will send you a written explanation of our findings within 3 business days after we finish our investigation. If a notice of error involves a card transaction in a foreign country, the time periods for action will be 20 business days instead of 10 business days, and 90 calendar days instead of 45 calendar days.

6. New Services
The Bank may, from time to time, introduce new Online Banking Services. We shall update this Online Banking Services Agreement to notify you of these new services. By using these services when they become available, you agree to be bound by the rules contained in this Agreement.

7. Terms and Conditions
The first time you or someone authorized by you on your behalf, access your Bank account(s) through Online Banking, the system confirms your agreement to be bound by all the terms and conditions of this Online Banking Agreement and acknowledges your receipt and understanding of this disclosure.

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