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Old Bank Note
 National Bank Note issued by The First National Bank of Sterling City on June 18, 1910
 


 

For Lost or Stolen
Debit Cards:

During Business Hours
 325-378-2191

After Hours
800-472-3272

The First National Bank of Sterling City On-line Banking AND BILL-PAY Agreement

This Agreement describes Your rights and obligations as a user of the On-line Banking service. It also describes the rights and obligations of The First National Bank of Sterling City(FNB). Please read this Agreement carefully and keep a copy for Your records.

Agreement

The terms and conditions of the deposit agreements and disclosures for each of Your First National Bank of Sterling City accounts, as well as Your other agreements with The First National Bank of Sterling City continue to apply not withstanding anything to the contrary in this Agreement. You may not transfer or assign Your rights or duties under this Agreement.

Definitions

The following definitions apply in this Agreement: "On-line Banking" is the internet-based service providing access to Your account(s); "On-line Account" means any THE The First National Bank of Sterling City account from which You will be conducting transactions using On-line Banking; "Password" is the code sent to You by The First National Bank of Sterling City for use during the initial sign-on that establishes Your connection to On-line Banking; "Time of day" references are to Central Standard Time or Central Daylight Time, as applicable; "We" "Us" or “Bank” refer to The First National Bank of Sterling City(FNB); "You" or "Your" Refer to the person(s) or entity subscribing hereto. For purposes of this Agreement, our Business Days are Monday through Friday except federal holidays, and begin at 8:00a.m.

What You Can Do

The following On-line Banking transactions may be performed:

Funds Transfers.

You may use On-line Banking to perform unlimited funds transfers from Your The First National Bank of Sterling City checking accounts or savings accounts to Your other The First National Bank of Sterling City checking accounts or savings accounts.

You may transfer from Your The First National Bank of Sterling City checking or savings account to make loan payments. Note: This Agreement imposes no restrictions on the number of transactions from The First National Bank of Sterling City accounts or the amounts which may be transferred, but certain limits and restrictions on the frequency of transfers may be applicable with respect to the particular types of accounts subject to this Agreement, particularly FNB Savings and all Money Market accounts. Transfers from these accounts are considered pre-authorized transfers, and pre-authorized transfers are limited to six (6) per monthly statement cycle by federal regulations. An excess transaction fee may apply to each withdrawal or transfer that exceeds the number of limited transactions You may make each statement period. Please refer to the disclosure documents You received at the time these accounts were established for more detailed information on limitations and restrictions applicable hereto.

Balance Inquiries.

You may use On-line Banking to check the current balance and other account information on all deposit accounts and most loan accounts. Review transactions on Your checking, savings and loan accounts. Set account alerts and notification.

Pay bills On-line.

Access to Services:

The First National Bank of Sterling City provides an on-line “Demo” to help familiarize You with the On-line Banking. You will gain access to Your Accounts through the use of Your Internet-enabled device, Your Internet Service Provider, Your user code and Your password. You are responsible for obtaining, installing, monitoring and operating all hardware, software and internet services necessary for performing On-line Banking services. The Bank will not be responsible for any errors or failures from the malfunction or failure of Your hardware, software or internet access service.

Hours of Operation

On-line Banking is available 24 hours a day, seven days a week, except during special maintenance periods. For purposes of transactions, those received after 3:00 p.m. on business days, and all transactions which are requested on weekends or holidays which The First National Bank of Sterling City chooses to remain closed, will be processed on the next The First National Bank of Sterling City Business Day.

Use of Your Password

You determine what Password You will use and the identity of Your Password is not communicated to us. Your Password must be a minimum of six (6) characters and must contain one alpha character and one numeric character. Passwords are case sensitive, so remember exactly how You entered it. For security purposes, You will be required to change Your Password every 180 days. You agree that We are authorized to act on instructions received under Your Password. You accept the responsibility for the confidentiality and security of Your Password, providing it only to authorized owners or signers on Your account. Upon three (3) unsuccessful attempts at authorization to use the system, You must contact us to have Your Password reset or to obtain a new temporary Password. You agree to assume responsibility for all transactions up to the limits allowed by applicable law.

Consumer Liability

Tell us AT ONCE if You believe Your code has been lost or stolen. 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 if someone used Your code without Your permission. If You believe Your code has been lost or stolen, and You tell us within two (2) business days after You learn of the loss or theft, You can lose no more than $50 if someone used Your 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 code, and we can prove we could have stopped someone from using Your code without Your permission if You had told us, You could lose as much as $500. Also, if Your statement shows transfers that You did not make, tell us at once. If You do not tell us within 60 days after the statement was mailed to You, You may not get back any money You lost after the 60 days if we can prove that we could have stopped someone from taking the money if You had told us in time.

Contact in Event of Unauthorized Transfer

If You believe Your code has been lost or stolen or that someone has transferred or may transfer money from Your account without Your permission, call (325) 378-2191 or contact us in person at The First National Bank of Sterling City.

General Terms

We reserve the right to change the charges, fees or other terms described in this Agreement. When changes are made to any fees, charges, or other material terms, we will update this Agreement, and either send a notice to You at the address shown on our records, or send You an electronic mail message. The notice will be posted on the The First National Bank of Sterling City web site or mailed to You by first-class mail at Your last known address at least thirty (30) days in advance of the effective date of any additional fees for online transactions, 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 system. If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide You with an electronic or written notice within thirty (30) days after the change. As always, You may choose to accept or decline changes by continuing or discontinuing the accounts or services to which these changes relate. Changes to fees applicable to specific accounts are governed by the applicable Deposit Account Disclosure and Schedule of Services and Fees. You agree that all charges will be deducted from a designated The First National Bank of Sterling City checking account of Your choice.

Errors and Questions

In case of errors or questions regarding On-line Banking or if You think Your statement is wrong, or if You need more information about a transfer listed on the statement, call us as soon as You can at (325) 378-2191 or write us at

The First National Bank of Sterling City
Attention: Internet Banking
PO Box25
Sterling City, TX  76951

We must hear from You at the specified telephone number or address no later than sixty (60) days after we sent You the first statement on which the problem or error appeared. We will need:

  1. Your name and account number;
  2. A description of the error or the transfer question, and an explanation concerning why you believe it is an error or the need for more information;
  3. The dollar amount of the suspected error; and
  4. The date on which it occurred.

If the report was made orally, we may require that You send to us the complaint or question in writing within ten (10) Business Days of the oral report. We will attempt to notify You of the results of the investigation within ten (10) Business Days of the oral or written report, as the case may be, and will correct any error promptly. If more time is needed, however, we may take up to forty-five (45) business days to investigate a complaint or question. If this occurs, we will credit your account within ten (10) Business Days of notification for the amount You think is in error. This will allow You to use 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.

If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United States, we may take up to ninety (90) days to investigate Your complaint and we may take up to twenty (20) Business Days to credit Your account for the amount You think is in error. We will send You a written explanation within three (3) Business Days after the investigation is complete. If we decide that there was no error, we will send to You a written explanation. You may request copies of the documents that we used in the investigation. You agree that The First National Bank of Sterling City may respond to You by electronic mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to You by The First National Bank of Sterling City shall be considered received within three (3) days of the date sent by FNB, regardless of whether or not You sign on to the Service in that time frame.

Other Agreements

In addition to this Agreement, You and The First National Bank of Sterling City agree to be bound by and comply with the requirements of the agreements applicable to each of Your Online Accounts. Your use of On-line Banking is Your acknowledgment that You have received these agreements and intend to be bound by them. You should review other disclosures received by You when You opened Your accounts at The First National Bank of Sterling City, including the charges that may be imposed for electronic funds transfers or the right to make transfers listed in the fee schedules accompanying those disclosures.

Modifications to this Agreement

The First National Bank of Sterling City may modify the terms and conditions applicable to any service from time to time upon mailing or delivering a notice of the modification to You at the address shown on our account records, and the revised terms and conditions shall be effective by the earliest date allowed by applicable law. We may send any notice to You via electronic mail and You will have been deemed to receive it three (3) days after it is sent. We reserve the right to terminate this Agreement and Your use of the Services in whole or in part at any time without prior notice.

FNB's Responsibility to Its Customers

The First National Bank of Sterling City will be responsible for Your actual losses if they were proximately caused by:

  1. Our failure to make an electronic fund transfer, in accordance with the terms and conditions of this Agreement and Your account agreement, in the correct amount or in a timely manner when properly instructed by You to do so;
  2. Our failure to make an electronic fund transfer due to insufficient funds when we have failed to credit, in accordance with the terms and conditions of this Agreement and Your account agreement, a deposit of funds to Your account which would have provided sufficient funds to make the transfer; or
  3. Our failure to stop payment of a preauthorized transfer from Your account when instructed to do so in accordance with the terms and conditions of this Agreement and your account agreement.

We will not be responsible for Your losses if:

  1. Your account has insufficient funds;
  2. The funds in Your account are subject to legal process or other encumbrance restricting such transfer;
  3. Such transfer would exceed an established credit limit;
  4. An act of God or other circumstances beyond our control (eg. fire, flood, power outage, equipment or technical failure or breakdown) which prevents the transfer, despite reasonable precautions we have taken;
  5. Your transfer authorization terminates by operation of law;
  6. You believe someone has accessed Your accounts without Your permission and You fail to notify us immediately;
  7. You have not properly followed the scheduling instructions on how to make a transfer included in this Agreement;
  8. We have received incomplete or inaccurate information from You or a third party involving the account or transfer; or
  9. We have reasonable basis for believing that unauthorized use of Your Password or account has occurred or may be occurring, or if You default under this Agreement, the deposit Account Agreement, a credit agreement, or any other agreement with us, or if we or You terminate this Agreement. There may be other exceptions stated in this Agreement and in other agreements with You. In no event shall We be liable for damages in excess of Your actual loss due to our failure to complete a transfer, and We will not be liable for any incidental or consequential damages. If any of the circumstances listed above shall occur, We shall assist You with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incorrect transactions that have been processed.

Confidentiality

We will not disclose Your personal information to third parties unless:

  1. You request or authorize it in writing;
  2. The information is necessary to complete a transaction;
  3. It’s needed to verify the existence and the condition of Your account for a third party,
  4. such as a credit bureau or merchant; or
  5. It’s needed to comply with government or court orders, other reporting requirements or as lawfully permitted.

Statements

You will continue to receive Your regular account statement either monthly or quarterly, depending on the type of account.

Inactivity / Termination

You are responsible for complying with all terms of this Agreement and with the terms of the agreement governing the deposit accounts which You access using On-line Banking. We can terminate Your On-line Banking privileges under this Agreement without notice to You if You do not pay any fee required by this Agreement when due, if You do not comply with the Agreement governing Your deposit or loan accounts, or Your accounts are not maintained in good standing. We will promptly notify You if we terminate this Agreement or Your use of the services for any other reason.

We may convert Your account to inactive status if You do not sign on to On-line Banking or do not have any transaction scheduled through On-line Banking during any consecutive ninety (90)day period. If Your account is considered inactive, You must contact us to have the On-line Banking activated before You will be able to schedule any transaction through On-line Banking.

To cancel On-line Banking, You must notify The First National Bank of Sterling City and provide Your name, address, that You are discontinuing On-line Banking, and the effective date to stop. You may notify The First National Bank of Sterling City by one of the following methods:

  1. By initiating cancellation by communicating through our web site;
  2.  By calling 325-378-2191 Monday through Friday from 8:00 a.m. to 3:00 p.m. Central Standard Time; or
  3. By writing a letter and sending it to the following address:
    The First National Bank of Sterling City
    Attention: Internet Banking
    P.O. Box25
    Sterling City, TX  76951

On-line Bill Payment Service:

You may choose to enroll for On-line Bill Payment and use Your Internet-enabled device to pay bills and in some cases receive bills electronically. The bill payment service is provided by CheckFree Corporation. Users of The First National Bank of Sterling City On-line Bill Payment service are subject to the Terms and Conditions set forth by CheckFree Corporation. Please refer to this for a complete disclosure of CheckFree’s Privacy Policy. Payments are posted against your balance available for withdrawal, as defined in the bank’s Funds Availability Policy.

On-line Bill Payment Fee Schedule:

The charge for On-line Bill Payment is in addition to any other fees and charges that apply to your accounts.

By pressing the I Acceptbutton, You agree to enter into this Agreement by electronic means and to comply with and be bound by the terms and conditions of this Agreement.

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