| NETTELLER
Types
of Transactions: You may access certain
account(s) you maintain with us by computer
using your assigned user ID and PIN by accessing
the online banking service. You may use the
online banking service to perform the following
functions:
- Transfer
Funds Between Eligible Accounts.
- Obtain
Balance Information on Eligible Accounts.
- Review
Transactions on Eligible Accounts.
- Make
Loan Payments.
- Online
Bill Payment.
Limitations
on Frequency and Amount:
There
are no limits on the number or dollar amount
of inquiries, transfers or withdrawals you
may make per day.
Fees
and Charges:
We do not charge for NetTeller access.
FIRST
TELLER ATM
Types
of Transactions: You may use the automated
teller machine (ATM) card and personal identification
number (PIN) issued to you to initiate transactions
at ATMs of ours, ATMs within the networks identified
on your card and such other facilities as we
may designate from time to time. At present
you may use your card to (some of these services
may not be available at all ATMs):
- Deposit
funds to your checking account.
- Withdraw
cash from your checking account.
- Deposit
funds to your savings account.
- Withdraw
cash from your savings account.
- Transfer
funds between your checking and savings account.
- Obtain
balance information on your deposit accounts.
- Make
loan payments from your deposit accounts.
- ATM
DEPOSITS MAY NOT HAVE NEXT DAY AVAILABILTIY
Limitations
on Frequency and Amount:
You may withdraw up to a maximum of $300.00
(if there are sufficient funds in your account)
per day.
Fees
and Charges for ATM Transactions:
+ There is no charge for ATM withdrawals
at machines owned by us.
+ There is a $1.00 charge for each ATM
withdrawal at machines we do not own after
the first three transactions each month.
+ There is no charge for ATM deposits at
machines owned by us.
+ There is a Replacement Card Fee of $5.00
per card.
DIRECT
DEPOSIT FROM NON-GOVERNMENT SOURCE
Types
of Pre-authorized Transfers: You may arrange
for us to complete the following pre-authorized
transfers to your deposit accounts:
GOVERNMENT
DIRECT DEPOSIT
Types
of Pre-authorized Transfers: You may arrange
for us to complete the following pre-authorized
transfers to your deposit accounts:
PRE-AUTHORIZED
DEBIT SERVICE
Types
of Pre-authorized Transfers: You may arrange
for us to complete the following pre-authorized
transfers to or from your deposit accounts:
- Pay
certain recurring bills from your checking
or savings account.
Fees
and Charges:
+ We do not charge for any pre-authorized
EFTs.
+ We will charge $20.00 for each stop-payment
order for pre-authorized transfers.
Internal
Transfers: For pre-authorized overdraft
protection transfers from credit cards,
automatic sweep transfers, or telephone
transfers initiated by the customer to the
bank, a $7.50 fee per transfer will apply.
CHECKFIRST
CARD
Brief
Description: THE CHECKFIRST DEBIT CARD PROVIDES
ALL THE SERVICES OF THE ATM CARD PLUS THE POINT
OF SALE (POS) TRANSACTIONS.
Types
of Transactions: You may use the card and
PIN issued you to pay for purchases from merchants
who have agreed to accept the card at point
of sale (POS) terminals within the networks
identified on your card and such other terminals
as the Bank may designate from time to time.
Limitations
on Frequency and Amount:
You may purchase up to a maximum of $1,000.00
worth of goods and services per day, exclusive
of ATM withdrawals.
Fees
and Charges:
We do not charge for any POS transactions.
PHONEFIRST
Types
of Audio Response Services: You may access
your accounts by using a separate personal identification
number (PIN) assigned to you and your account
number in our audio response system. At the
present time you may use the system to:
- Transfer
funds between your accounts.
- Obtain
balance information.
- Verify
date and amount of deposits.
- Determine
if a particular check has cleared your account.
Limitations
on Frequency and Amount:
There are no limits on the number or dollar
amount of inquiries, transfers or withdrawals
you may make per day.
Fees
and Charges:
We do not charge for any Audio Response
Transactions.
Liability for Unauthorized
Transfers. Tell us AT ONCE if you believe
your card, ATM PIN or POS card or PIN has been
lost or stolen, or if you believe that an electronic
fund transfer has been made without your permission
using information from your check. Telephoning
is the best way of keeping your possible losses
down. You could lose all the money in your account
(plus your maximum overdraft line of credit).
If you tell us within two (2) business days,
you can lose no more than $50.00 if someone
used your card or code without your permission.
If you do NOT tell us within two (2) business
days after you learn of the loss or theft of
your card or code, and we can prove that we
could have stopped someone from using your card
or code 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 card
or code has been lost or stolen or that someone
has transferred or may transfer money from your
account without your permission, call or write
to us at the telephone number or address set
forth below.
Business
Days. For purposes of these electronic funds
transfer disclosures, our business days are
Monday through Friday. Holidays are not included.
Documentation.
Periodic
Statement. You will get a monthly account
statement from us, unless there are no transactions
in a particular month. In any case you will
get a statement quarterly. You will get a quarterly
statement from us on your savings account if
this is the only account you maintain and the
only possible electronic transfer to or from
the account is a pre-authorized deposit.
Terminal
Receipt. You can get a receipt at the time
you make any transfer to or from your account
using one of our ATMs or purchase at a POS terminal.
However, you may not get a receipt if the amount
of the transfer is $15 or less.
Direct
Deposits. If you have arranged to have direct
deposits made to your account at least once
every sixty (60) days from the same person or
company, you can call us at (800) 538-3979 to
find out whether or not the deposit has been
made.
Our
Liability for Failure to Make Transfers.
If we do not complete a transfer to or from
your account on time or in the correct amount
according to our agreement with you, we will
be liable for your losses or damages. However,
there are some exceptions. We will NOT be liable
for instance:
- If,
through no fault of ours, you do not have
enough money in your account to make the transfer.
- If
the money in your account is subject to legal
process or other claim restricting such transfer.
- If
the transfer would go over the credit limit
on your overdraft line.
- If
the ATM where you are making the transfer
does not have enough cash.
- If
the terminal or system was not working properly
and you knew about the breakdown when you
started the transfer.
- If
circumstances beyond our control (such as
fire or flood) prevent the transaction, despite
reasonable precautions that we have taken.
- There
may be other exceptions stated in our agreement
with you.
In
Case of Errors or Questions about Your Electronic
Transfers. Telephone us at (618) 382-4118,
or write us at 201 E. Main Street, Carmi, IL
62821 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 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 question in
writing and we do not receive it within 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 action shall be ninety (90) calendar
days in place of forty five (45) calendar days.
Confidentiality.
We will disclose information to third parties
about your account or the transfers you make:
- To
complete transfers as necessary;
- To
verify the existence and condition of your
account upon the request of a third party,
such as a credit bureau or merchant; or
- To
comply with government agency or court orders;
or
- If
you give us you’re written permission.
Personal
Identification Number (PIN). The ATM PIN
or POS PIN issued to you is for your security
purposes. The numbers are confidential and should
not be disclosed to third parties or recorded
on the card. You are responsible for safekeeping
your PIN(s). You agree not to disclose or otherwise
make your ATM PIN or POS PIN available to anyone
not authorized to sign on your accounts.
Notices.
All notices from us will be effective when we
have mailed them or delivered them to your last
known address on our records. Notices from you
will be effective when received by us at the
telephone number or 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 notice to you at least
twenty-one (21) days before the effective date
of any change, as required by law. Use of this
service is subject to existing regulations governing
your account and any future changes to those
regulations.
Enforcement.
In the event either party brings a legal action
to enforce this Agreement or collect amounts
owing as a result of any Account transaction,
the prevailing party shall be entitled to reasonable
attorneys’ fees and costs, including fees on
any appeal, subject to any limits under applicable
law.
Termination
of ATM and POS Services. You agree that
we may terminate this Agreement and your use
of the ATM Card or POS services, if:
- You
or any authorized user of your ATM PIN or
POS card or PIN breach this or any other agreement
with us;
- We
have reason to believe that there has been
an unauthorized use of your ATM PIN or POS
card or PIN;
- We
notify you or any other party to your account
that we have cancelled or will cancel this
Agreement. You or any other party to your
account can terminate this Agreement by notifying
us in writing.
Termination
of service will be effective the first business
day following receipt of your written notice.
Termination of this Agreement will not affect
the rights and responsibilities of the parties
under this Agreement for transactions initiated
before termination.
Pre-authorized
Electronic Fund Transfers.
Stop
Payment Rights. If you have told us in
advance to make regular electronic fund transfers
out of your account(s), you can stop any of
these payments. Here’s how: Call us or write
to us at the telephone number or address set
forth above, in time for us to receive your
request three (3) business days or more before
the payment is scheduled to be made. If you
call, we may also require you to put your
request in writing and get it to us within
fourteen (14) days after you call. We will
charge you $20.00 for each stop payment
order you give.
Notice
of Varying Amounts. If these regular payments
may vary in amount, the person you are going
to pay will tell you, ten (10) days before
each payment, when it will be made and how
much it will be. You may choose instead to
get this notice only when the payment would
differ by more than a certain amount from
the previous payment, or when the amount would
fall outside certain limits that you set.
Liability
for Failure to Stop Payment of Pre-authorized
Transfers. If you order us to stop one
of these payments three (3) business days
or more before the transfer is scheduled,
and we do not do so, we will be liable for
your losses or damages.
Electronic
Check Conversion. You may authorize
a merchant or other payee to make a one-time
electronic payment for your checking account
using information from your check to pay for
purchases or bills.
Other
Provisions. There may be a delay between
the time a deposit is made and when it will
be available for withdrawal. You should review
our Funds Availability Policy to determine the
availability of the funds deposited at ATMs.
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.
- PROVISIONAL
PAYMENT DISCLOSURE: Credit given by us
to you with respect an automated clearing
house credit entry is provisional until we
receive final settlement for such entry through
a Federal Reserve Bank. If we do not receive
such final settlement, you are hereby notified
and agree that we are entitled to a refund
of the amount credited to you in connection
with such entry, and the party making payment
to you via such entry (i.e. the originator
of the entry) shall not be deemed to have
paid you in the amount of such entry.
- NOTICE
DISCLOSURE: Under the operating rules
of the National Automated Clearing House Association,
which are applicable to ACH transactions involving
your account, we are not required to give
next day notice to you of receipt an ACH item
and we will not do so. However, we will continue
to notify you of the receipt of payments in
the periodic statements we provide to you.
- CHOICE
OF LAW DISCLOSURE: We may accept on your
behalf payments to your account which have
been transmitted through one or more Automated
Clearing Houses (ACH) and which are not subject
to the Electronic Funds Transfer Act and your
rights and obligations with respect to such
payments shall be construed in accordance
with and governed by the laws of the state
of Illinois as provided by the operating rules
of the National Automated Clearing House Association,
which are applicable to ACH transactions involving
your account.
ATM
SAFETY TIPS
As
issuers of Automated Teller Machine (ATM) access
devices, we have provided for your information
a list of safety precautions regarding the use
of automated teller machines. Please read the
following safety tips:
- Be
aware of your surroundings, particularly at
night.
- Consider
having someone accompany you when the automated
teller machine is used after dark.
- It
is appropriate to politely ask someone who
is uncomfortable close to you to step back
before you complete your transaction.
- Refrain
from displaying your cash. Pocket it as soon
as your transaction is completed. Count the
cash later in the safety of your locked car
or home.
- Consider
using another automated teller machine or
coming back later if you notice anything suspicious.
If you are in the middle of a transaction
and you notice something suspicious, cancel
the transaction, pocket your ATM access device
and leave.
- Go
to the nearest public area where people are
located if you are followed after making a
transaction.
- Report
all crimes to the operator of the ATM or to
law enforcement officials immediately.
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