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USER TERMS
AND CONDITIONS
First Community Bank hereby publishes the following terms
and conditions for User's use of Electronic Banking Services
"Internet Banking" and "Internet Banking with Bill
Payment".
First Community Bank reserves the right to modify these
terms and conditions at any time, effective upon publication. User's
use of the Electronic Banking Services constitutes agreement to these
terms and conditions and any modifications thereof.
User agrees that the following uses of the
Electronic Banking Services are strictly prohibited. User agrees to
indemnify, hold harmless, and defend First Community Bank from and against
any and all claims, actions, suits, judgments, and expenses (including
court costs and reasonable fees of attorneys, accountants, and expert
witnesses), at User's sole expense, arising from User's failure to
abide by these restrictions on use of the Electronic Banking Services.
Use of the Electronic Banking Services for wire
transfers of funds;
Unauthorized communication of any charge or
credit-card information belonging to any other person or entity;
Unauthorized communication of any information
concerning any password or other on-line access number, code, or
identification or any other proprietary information belonging to any
other person or entity;
Use of the Electronic Banking Services to copy or to
distribute or transmit copies of copyrighted materials belonging to
any other person or entity is permitted only to the extent that the
owner has provided express permission to the User permitting such
activity. Copying or distribution or transmitting copyrighted
materials other than with permission as specified above is expressly
prohibited.
Communicating any obscene or defamatory information
including but not limited to on bulletin boards or in conjunction with
conferences; or
Use of the Electronic Banking Services in violation
of any telecommunication, postal, or other local laws or regulations
of the User's country of origin or of the United States or in
furtherance or in the commission of any crime or other unlawful or
improper purpose.
First Community Bank and its suppliers make no warranties
or representations of any kind with respect to the electronic banking
services, whether express or implied, including but not limited to
merchantability or fitness for particular purpose and neither bank nor
its suppliers nor anyone else who has been involved in the creation,
production or delivery of the electronic banking services assume any
responsibilities with respect to user's use thereof. No oral or
written information or advice given by bank or its suppliers or any of
their employees shall create a warranty or in any way increase the
scope of this warranty, and user may not rely on any such information
or advice.
Any cause of action concerning the Electronic
Banking Services under this Agreement must be commenced within one
year after such cause of action has accrued.
User further agrees:
Transmission of confidential business and sensitive
personal information is at Customer's sole risk;
First Community Bank reserves the right to monitor and
review transmissions on-line and in storage, and to remove or reject
any material which First Community Bank, at its sole discretion, believes may
be unlawful or objectionable, without prior notice to User.
STOP PAYMENTS - verification that check has not paid
must be made.
Prior to placing a stop payment, prior bank
statements and on-line account activity must be reviewed. If the check
has been paid the stop payment is invalid.
SCHEDULED OUTAGE - The Internet Banking system may
be down for scheduled service between 1 AM through 3 AM Sunday,
Central Standard Time.
RETENTION OF ACCOUNT INFORMATION - The Internet
Banking System will allow you to view your activity from the day after
your last paper statement cuts off until the current date. When
searching for transactions by date on the Internet Banking system, the
oldest date you will be able to use is the day after your last paper
statement's cutoff date.
E-MAIL NOTIFICATION - The Internet Banking system
does not provide a notification that mail has been received from the
Bank. It is recommended that you check for e-mail each time you log in
to the Internet Banking system.
ELECTRONIC DELIVERY - User agrees to the use of
electronic delivery of Electronic Records.
ELECTRONIC FUNDS TRANSFER DISCLOSURE
AGREEMENT
Your use of any EFT service offered by the Bank will
be governed by this Disclosure and by any separate agreement or
disclosure that also applies to the EFT service or the account being
accessed through an EFT service. The following disclosures apply
to you if you are an individual that has established deposit accounts
for personal, family, or household purposes and you have preauthorized
electronic fund transfers to or out of the accounts. The terms
"you" and "your" refer to each party to the
account and the terms "us", "we" and
"our" refer to First Community Bank (The Bank).
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Transactions covered
Electronic funds transfer ("EFT") service
is provided by First Community Bank (the "Bank") to enable you to
initiate or receive transfers of funds to or from your checking,
savings or other deposit accounts maintained at the Bank
("accounts") through one or more of the following devices:
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An automated teller machine ("ATM") card
("ATM Card") used at an ATM operated by the Bank or others,
issued to you at your request, which permits you to access
through certain terminals, certain of your accounts established
with us;
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A First Community Bank VISA® Check Advantage Card ("Check Card")
issued to you at your request, used at
an ATM operated by the Bank or others or at a merchant who accepts
VISA® cards to facilitate payment for goods or services by accessing
certain of your accounts established with us;
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An automated clearing house ("ACH"), such
as payroll, Social Security or retirement program payments made
directly into your account or recurring payments, such as insurance
premiums or utility or mortgage payments, deducted directly from your
accounts. The other party, such as your employer making a payroll
payment or your insurance company facilitating your payment initiates
these transactions;
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A personal computer if you have separately applied
to the Bank for Internet Banking or Internet Banking with Bill Payment services or other financial
products that may be offered through the Internet;
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A telephone response system that requires an
entry password such as the Bank's Touchtone Banking system which
allows you to pay certain bills or to transfer funds between
accounts;
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Electronic Check Conversion converts a paper
check into an electronic payment at the point of sale or
elsewhere, such as when a company receives your check in the
mail and converts it to an electronic file, over the phone for a
payment obligation or to a store merchant who scans it as an ACH
item. |
Transactions Not Covered
However, the following are not considered EFTs and
are governed by the terms of your deposit agreement or another
separate agreement with the Bank and are not governed by this
Electronic Funds Transfer Disclosure and Agreement:
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Credit Card Transactions; or |
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Wire transfers; or |
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Electronic transactions
initiated from a business account; or |
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Transactions initiated by check,
draft or similar paper instrument; or |
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Transactions under a
pre-authorized agreement to transfer funds between your
deposit accounts at the Bank or between one of your accounts
and a loan account or family member's account held by the
Bank; or |
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Isolated transfers initiated by
telephone or facsimile machine and not under a regular
arrangement the Bank might have with you for telephone
transfer service. |
Pre-authorized Electronic Funds Transfers
Transfers made pursuant to prior arrangements with a
third party to periodically make deposits or take payments from one of
your accounts are considered pre-authorized electronic transfers if
the third party initiates the transaction through an ACH.
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Pre-authorized Deposits
If you have arranged to have direct deposits made by
the same person or company to your account at least once every 60
days, you may call the Bank at (608) 868-7644 to find out whether or
not a pre-authorized deposit has been made.
Passbook Account Where the Only Possible
Electronic Fund Transfers are Preauthorized Credits
If you bring your passbook to us, we will record any
electronic deposits that were made to your account since the last time
you brought in your passbook.
Pre-authorized Payments or Withdrawals
You may authorize another person or company to
withdraw funds from your account on a regular basis through the use of
a pre-authorized transfer.
Stopping Payment
To stop payment on a pre-authorized transfer, call
us at 608-868-7644 or write the Bank at First Community Bank, 202
Merchant Row, PO Box 218, Milton, WI 53563 in time for us to receive your stop payment order at
least three (3) business days before the payment is scheduled to be
made. Your stop payment order must state the correct payee and either
the exact dollar amount of the payment or a statement clearly
indicating that the exact amount is not known. A stop payment fee will
be charged for each stop payment order you give. The charge for
stopping payment is identified in our current fee schedule
accompanying this Agreement and may
be amended from time to time.
If you call, we also require you to sign a written
stop payment order within 14 days after you call. If you are an
Internet Banking customer and have NOT signed a written waiver for the
use of electronic signature with the Bank, then your stop payment
entered through the Bank's Internet Banking Service will be considered
signed.
A stop payment request for a pre-authorized transfer
will only stop one particular payment from being paid. You must inform
the person or company with whom you have made the arrangements for the
EFT services if you want any further payments canceled.
Notice of Varying Amounts
If these regular payments may vary in amount the person
you are going to pay will tell you, 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.
Our Liability for Failure to Stop Payment of
Preauthorized Transfers
If you order us to stop one of these payments 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.
ATM Card and Check Card Transactions
The following applies to the use of any ATM Card or
Check Card issued to you by the Bank together with the related
Personal Identification Number ("PIN"). You may use
your card and PIN to accomplish the following transactions (some of
these services may not be available at all terminals.):
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Transactions Available at First Community Bank ATMs
Your ATM Card or Check Card can be used at any of
the Bank's ATMs, 24 hours a day, 365 days a year (except when the ATM
or system is temporarily out of service for repairs or maintenance).
ATM transactions can accomplish the following with respect to those
accounts you have instructed the Bank to link to your ATM Card or
Check Card:
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Make an unlimited number of
deposits to your account(s) |
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Make up to two (2) cash
withdrawals from an account in any given day, provided that
the total withdrawn does not exceed your available funds
(including any available overdraft protection funds) or the
daily limit assigned by the Bank to your ATM Card ($200) or
Check Card ($300).
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Payments on loans from the Bank. |
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Transfers between your accounts. |
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Balance inquiries regarding your
accounts. (The balance displayed at an ATM may not reflect all
recent transactions.) |
Transactions Available at Participating Network
ATMs
For your additional banking convenience, you may use
your ATM Card or Check Card at ATMs that display the PULSE®, AMERICAN
EXPRESS®, EXPRESS TELLER®, INSTANT CASH®, FAST BANK®, PLUS
SYSTEM®, or CIRRUS® logos worldwide ("Network ATMs"). Most
Network ATMs are available 24 hours a day, 365 days a year (except
when the ATM or system is temporarily out of service for repairs or
maintenance).
Network ATM transactions can accomplish the
following with respect to those accounts you have instructed to link
to your ATM Card or Check Card:
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Cash withdrawals (up to 2) from
your account in any given day, provided that the total withdrawn does not
exceed your available funds (including any available overdraft
protection funds) or the daily limit assigned by the Bank to
your ATM Card ($200) or Check Card ($300). |
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Deposits, credit card
payments and loan payments can be made to your First Community
Bank accounts. (See Deposits and Payments (below) for
limitations.) |
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Balance inquiries regarding your
accounts. (The balance displayed at an ATM may not reflect all
recent transactions.) |
There are no extra charges imposed by the Bank for
using an ATM Card or a Check Card at an ATM operated by the Bank, or
for having ACH payments taken from or deposits made to your accounts.
However, the following service charges may apply to certain EFT
transactions, as follows:
When you use any ATM other than one operated by the
Bank, a Network ATM charge may be imposed by the Bank and the operator
of the ATM may impose its own charge for the use. If the operator of
the ATM will impose its own charge, the ATM will display a notice to
that effect before the transaction is completed, so that you may
cancel the transaction and avoid the charge if you so wish.
Transactions Available at Participating VISA®
Merchants or Point-of-Sale Terminals
Your Check Card may be used up to ten (10) times per day to
pay for goods and services from any merchant who participates in the
VISA® system or point-of-sale terminals, provided that the transaction amount does not exceed
your available funds (including any available overdraft protection
funds) or the daily limit assigned by the Bank to your Check Card
($1500). Cash Advances will be limited to $1000 per day. Other
terminals or terminal operators may have other limits on the amount
and frequency of withdrawals or deposits.
Any Purchase made with a Check Card may be subject
to authorization by the Bank or by a VISA® authorization center and
no authorization will be given if the amount of all outstanding
Purchases and Cash Withdrawals or the transaction would exceed, any of
these limits. A hold will be placed on your account for the authorized
amount of any transaction and will remain in effect until the
authorized transaction is posted to your account, normally 2 to 3
business days.
Foreign Transactions
If your card is used to perform a transaction in a
foreign currency, the transaction amount will be converted to U.S.
dollars by VISA® International. VISA® converts foreign
currency to U.S. dollars using either the government-mandated exchange
rate or the wholesale exchange rate or the wholesale exchange rate in
effect one day before the date of conversion, as applicable. The
exchange rate is increased by one percent (1%) if the conversion is
made in connection with a charge to an account and decreased by one
percent (1%) if the conversion is made in connection with a credit to
an account. The date of conversion by VISA® may differ from the
purchase date and the posting date identified in the monthly statement
for your account. You agree to pay charges and accept credits
for the converted transaction amounts in accordance with the terms of
this paragraph.
Terminal Malfunctions
Terminals and these services are available for your
convenience and we are not liable for the unavailability or failure to
operate of all or any part of a terminal. You release us from
liability for personal injury or property damage incurred by you in
connection with us of the card or any terminal and consequential
damages incurred in connection with the use of a card or terminal.
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Deposits and Payments
All deposits and payments made at a Bank ATM are
subject to verification by two Bank employees. Transactions made after
6 p.m. on business days or on non-business days will be considered to
have occurred the following business day. As with over-the-counter
deposits and payments, checks and other items are accepted by the Bank
subject to proper endorsement and final payment by the financial
institution upon which they are drawn.
Deposits made at a First Community Bank ATM are not
available for withdrawal until at least the next business day. The Bank may also restrict your use
of deposited funds until the funds are expected to be collected.
Please refer to the Bank's disclosure of its Funds Availability Policy
for details.
You can not make a deposit, loan payment or credit
card payment in an ATM located outside of the State of Wisconsin.
ATM Card and Check Card Privileges
Your ATM Card, Check Card and related personal
identification number ("PIN") are for your personal
use. We will issue a PIN to you for use in connection with the
card. You agree not to disclose the PIN to anyone other than
authorized users of the card. If anyone uses your card or PIN
with your permission, you will be responsible for any charges made to
the account. You agree to safely keep the card and PIN, not to
record the PIN on the card or otherwise disclose or make it available
to anyone other than an authorized user. You may use your card
to pay for purchases at places that have agreed to accept the
card. You may also use your card together with your PIN to
perform transactions at ATM terminals or at other automated terminals
at which cards may be used. The use of this card for illegal
transactions is prohibited.
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Refunds on Purchases
Cash refunds will not be made to you on Purchases
made with your Check Card. If a merchant who honors your Check Card
gives you credit for merchandise returns or adjustments, the merchant
will do so by sending the Bank an "electronic" credit slip
which the Bank will apply as a credit to your account. Unless
your use of the card results in a loan from us to you, any claim or
defense with respect to the quality of any property or services
purchased with your Check Card must be handled by you directly with
the merchant or other business establishment which accepted your Check
Card and any such claim or defense which you assert will not obligate
the Bank to re-credit your account for the amount of the purchase or
any other amount.
Chargeback's
As to any transactions which (a) involves a sale of
goods or services which is paid for directly through a terminal using
your ATM card or Check Card; (b) involves a transfer of $50 or more
from a deposit account; and (c) does not involve a check or draft, we
shall, upon receipt within three business days of the transaction of
written or oral notice from you, reverse the transaction and recredit
your account. If the review process shows that the transaction
does not meet all Operating Regulations and/or it appears that the
transaction was authorized by the cardholder First Community Bank has
the right to charge the item back to your account.
Computer-Based Banking Services
The Bank offers two computer-based banking services:
Internet Banking and Internet Banking with Bill Payment. All of
the services and restrictions discussed in this section of this
Disclosure and Agreement apply to each of these services except as
otherwise noted. Use of the Bank's computer-based banking services
requires that separate arrangements be made with the Bank to initiate
the service.
To use one of the Bank's computer-based banking
services, you must arrange for and maintain your own access to a
computer and the Internet. All equipment needed to access the Bank
through the Internet, and all software as well as all telephone, cable
or other computer communication facilities, are your responsibility.
The Bank's computer-based banking services allow you
to conduct any of the following for those accounts you have instructed
the Bank to make available for access through the service you have
selected:
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Transfer funds between your
accounts. |
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Make balance inquiries on your
accounts. (The balance displayed on your screen may not
reflect all recent transactions.) |
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Pay bills and other amounts owed
to third parties. (Bill payment service will require a
separate agreement.) |
A stop payment order placed through Internet Banking
or Internet Banking with Bill Payment will be automatically processed
and the subsequent fee will appear on your monthly statement.
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Bill Payment Service
Internet Banking with Bill Payment offered by the
Bank has its own set of instructions for using the Bank's Bill Payment
Service. It is your responsibility to follow the instructions
applicable the Bill Payment Service.
You must schedule your payments long enough in
advance of the date you want the payment to be received by the payee
to allow for the processing and transmission of the payment either
through an Automated Clearing House ("ACH") or by check
drawn by the bill payment processor and sent through the United States
mail. It is recommended that you allow at least 5 business days
between the date you specify for the payment to be made and the due
date, not counting any grace period.
You must be careful when selecting the account from
which the payment is to be made and when inputting the payee's name
and address, as neither the Bank nor the processing company will check
for accuracy.
You agree not to use the Bank's Bill Payment service
for payments made to or through a federal, state or local court or
agency (fines, taxes, fees, etc.). These payees are often not equipped
to properly handle electronic payments or not accompanied by a payment
coupon or similar device. You also understand that the Bank has no
obligation to monitor your compliance with this requirement and is not
liable for any payments to these payees which are not processed timely
or properly.
To stop a bill payment originated in Internet
Banking or Internet Banking with Bill Payment you must contact
technical support for assistance. Please refer to the Internet Banking
website for that number.
Limitations on Use of Electronic Banking Services
Your ability to transfer funds between certain
accounts (such as a savings account or money market savings account)
or to transfer funds from certain accounts to third parties may be
limited by federal law. The type of your deposit account will
determine whether such limitations apply. If the agreement governing
the account from which the funds are to come restricts the number of
such transactions that may be conducted during a monthly account
cycle:
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Each computer-initiated transfer
from the account to another account in your name would be one
of the six pre-authorized transfers permitted, per cycle. |
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Bill payments will not be
allowed from the account. |
General EFT Information
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This section applies to all EFT
services offered by the Bank. |
Documentation
You will receive a transaction receipt whenever you
use your ATM Card or Check Card. If there are any EFT transactions
during the monthly statement cycle, you will also receive a monthly
statement for your account, and even if there are no EFTs during this
period, you will receive either a monthly or a quarterly statement for
each account to or from which EFTs are permitted. The statement will
include the date, amount and other details regarding each EFT
occurring during the period.
Overdrafts and Over Limits
Each withdrawal or transfer from an account or
authorized bill payment is an order to us to pay from that account at
that time, which we may charge against the account even though the
charge creates an overdraft. The time required to charge or
credit your account after you authorize the transaction will depend on
the location of the terminal and the type of transaction. The
Bank is not obligated to authorize any EFT that would cause the
account from which the payment or transfer is to be made and any
available overdraft credit to be overdrawn (or further overdrawn). If
such a transaction is authorized or processed, you agree to cover the
resulting overdraft upon demand of the Bank and confirm the Bank's
right to charge the amount of the overdraft against any of your other
deposit accounts maintained with the Bank without prior notice to you.
If there are other withdrawals or items charged against the payment
account on the same day, the Bank may determine, in its absolute
discretion, the order in which the items are paid. If the
account is maintained in connection with an overdraft credit plan, any
overdraft will be made in accordance with the agreement or rules
governing that account rather than this Agreement. If any
account is a credit account, such as a VISA® or MASTERCARD® account,
you should refer to the agreement provided in connection with that
account for your rights and responsibilities relating to transactions
affecting that account in which that card is used.
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Charges for Electronic Funds Transfers
EFT activity affecting your accounts will be subject
to all standard fees and charges generally applicable to your account,
such as fees for stopping payment on an item, overdraft charges and
monthly service fees should the balance in your account drop below a
specified level or should your account generally be subject to a
monthly fee. You will be responsible at all times for the charges, if
any, ordinarily associated with your account(s) as described in the
rules governing the account.
Internet Banking and Internet Banking with Bill
Payment Services may be subject to monthly fees as well as applicable
per transaction charges.
Details regarding all of these and other fees
imposed by the Bank may vary depending upon the services you select,
and the fees may be subject to waiver if you maintain specified
minimum balance levels in your account(s). In any case, all deposit
account and EFT-related fees are discussed in the Bank's Fee Schedule
accompanying this Agreement. The amounts of these fees are subject to
change from time to time, upon advance written notice to you in the
event of an increase. If such charges are actually imposed, they will
appear on your account statement.
Your Need to Secure Your Personal Code
If you have arranged for one of the Bank's
electronic banking services, or you have an ATM Card or Check Card,
you will also have one or more personal identification numbers or
codes (collectively, "PINs") associated with these
services.
Anyone with access to the Internet could access your
accounts if he or she also has access to the user-name and PIN
associated with that access mechanism, because the Bank will not be
able to detect that the use is unauthorized. On the other hand,
without the PIN, your accounts cannot be accessed through any of these
services. You agree not to disclose the PIN or User ID to anyone other
than authorized signers on the account. If anyone uses your User
ID or PIN with your permission, you will be responsible for any
charges made to the account. You agree to safely keep the User
ID and PIN and not to disclose or make it available to anyone other
than an authorized user.
The same is the case with use at an ATM of your ATM
Card or Check Card (Merchant transactions with your Check Card may not
require the use of a PIN.) We will issue a PIN to you for use in
connection with the card. You agree not to disclose the PIN to
anyone other than authorized users of the card. If anyone uses
your card or PIN with your permission, you will be responsible for any
charges made to the account. You agree to safely keep the card
and PIN, not to record the PIN on the card or otherwise disclose or
make it available to anyone other than an authorized user, and to use
the card and PIN only at terminals that accept the card and as
instructed.
Except as limited in the following sections (In Case
of Errors or Questions About Your Electronic Funds Transfers, Loss or
Theft of Your ATM Card or Check Card or PIN/Unauthorized Transfers
from Your Account, Your Liability for Unauthorized Transactions and
The Bank's Liability for Failure to Complete Transactions), your
agreement to use any of the Bank's EFT Services includes your
agreement to be bound to all transactions initiated through the use of
your PIN or a PIN assigned to an authorized user, whether or not the
person using that PIN is authorized to do so for the transaction you
might be questioning.
Special Provisions for Business Accounts
Unless you are an individual and your account is
maintained primarily for personal, family or household purposes, the
following four sections (In Case of Errors or Questions About Your
Electronic Funds Transfers, Loss or Theft of Your ATM Card or Check
Card or PIN/Unauthorized Transfers from Your Account, Your Liability
for Unauthorized Transactions and The Bank's Liability for Failure to
Complete Transactions) will not apply to you. Instead, issues covered
by these sections will be handled in accordance with your basic
deposit agreement with the Bank and the other terms set forth in this
Disclosure and Agreement (including those that hold you accountable
for unauthorized transactions initiated by someone with access to your
PIN) and the law applicable to such issues, not including the law
contained in the Electronic Funds Transfer Act.
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In Case of Errors or Questions About Your
Electronic Funds Transfers
Telephone the Bank at (608) 868-7644 or write us at
First Community Bank, 202 Merchant Row, P.O. Box 218, Milton,
Wisconsin 53563 as soon as possible if you think your statement or ATM
Card or Check Card transaction receipt is wrong, or if you need more
information about a transfer listed on the statement or ATM card
transaction receipt.
The Bank must hear from you no later than 60 days
after the Bank sends you the first statement on which any problem or
error appears. When you call or write, please give the Bank the
following information: (1) your name and account number; (2) a
description of 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; and (3) the dollar amount and the date of
the suspected error. If you call the Bank about an error, the Bank
will probably require that your complaint or question is submitted in
writing and received within 10 business days to the address provided
above.
The Bank will tell you the results of its
investigation within 10 business days (20 business days for new
accounts) after the Bank hears from you and will correct any error
promptly. If the Bank needs more time, however, the Bank may take up
to 45 days (90 days for Check Card transactions not performed at an
ATM, foreign-initiated EFTs or new accounts) to investigate your
complaint or question. If the Bank decides to do this, the Bank will
provisionally credit your account within 5 business days (20 business
days for new accounts) for the amount you think is in error so that
you will have the use of the money during the time it takes the Bank
to complete its investigation. However, if the Bank asks you to put
your complaint or question in writing, and it does not receive your
complaint or question within 10 business days, the Bank can reverse
the provisional credit from your account. If the Bank decides that
there was no error, the Bank will send you a written explanation
within 3 business days after it finishes its investigation and will
reverse the provisional credit if one was given. You may request
copies of the documents that the Bank used in its investigation.
Liability Disclosure for Loss or Theft of Your
ATM Card, Check Card, User ID or PIN or for Unauthorized Transfers
from Your Account.
Tell the Bank at once if you believe your ATM Card,
Check Card, User ID or PIN has been lost or stolen or that someone has
transferred or may transfer money from your accounts without your
permission. Telephoning the Bank is the best way of minimizing your
possible losses and to then follow-up in writing at First Community
Bank, 202 Merchant Row, PO Box 218, Milton, WI 53563. For your ATM Card,
call us at (608) 868-7644 during business hours. For your Check Card,
call us at (608) 868-7644 during business hours or call 1-800-221-5920
during non-business hours. For your Internet Banking User ID and PIN
call (608) 868-7644 during business hours or you may call technical
support 24 hours a day at (866)-268-5098.
You could lose all the money in your account (plus
your maximum overdraft line of credit). However, if you tell us within
2 business days, you can lose no more than $50 if someone used your
ATM Card or Check Card or PIN without your permission.
If you do NOT tell us within 2 business days after
you learn of the loss or theft of your ATM Card or Check Card or PIN
but do tell us within 60 days after your statement is mailed to you,
and we can prove we could have stopped someone from using your ATM
Card or Check Card or PIN without your permission if you had told us,
you could lose as much as $500.
It is your responsibility to promptly review any
statements the Bank sends you. If your statement shows transactions
that you did not make, tell the Bank at once. If you do not notify the
Bank within sixty (60) days after the statement was sent to you, you
may not get back any money lost after the 60 days if the Bank can
prove that it could have prevented the loss of money if you had
notified the Bank in time. If a good reason (such as a long trip or a
hospital stay) kept you from telling the Bank, it will extend the time
period.
Despite these rules regarding your liability for
unauthorized transactions, as a special protection with respect to
your Check Card, you will not be liable for any losses resulting from
unauthorized use of your Check Card at a VISA® merchant location
unless you have used your account or Check Card in a grossly negligent
or fraudulent manner. This special protection is not available if your
Check Card is used to obtain cash at an ATM, or if the loss results
from unauthorized use of your ATM Card or Computer-Based Banking
Services.
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The Bank's Liability for Failure to Complete
Transactions
If the Bank does not complete a transfer to or from
your account on time or in the correct amount according to the Bank's
agreement with you, the Bank will be liable for your losses and
damages which you prove are directly caused by the Bank's action.
However, there are some exceptions. The Bank will not be liable, for
instance:
Business Days
Although ATMs and Internet Banking services
generally operate all day every day (except downtime for repairs and
maintenance), the Bank's business days are Monday through
Friday. The following holidays are not included as business
days: Federal holidays.
New Accounts
Any sections in this Agreement that refer to
"new accounts" refers to accounts whereby the first deposit
made to the account to open it was within the last 30 days.
Disclosure
of Information to Third Parties/ Legal Process
We
may disclose information about you and your accounts or transactions
on your accounts (a) to third parties where it is necessary for
completing transfers or tracing transactions, or resolving errors or
claims; (b) to verify or disclose the existence and condition of your
accounts for third parties, such as credit bureaus, merchants, or
other financial institutions; (c) pursuant to court orders and other
legal process; (d) to comply with subpoenas, summonses, search
warrants or requests from government agencies; (e) to comply with
state or federal laws requiring us to provide information regarding
depositors and their accounts to governmental
agencies; (f) to other companies affiliated with us as provided
below; (g) to others with your consent; and (h) otherwise in
accordance with our privacy policy we provide to you.
Our privacy policy can also be requested by calling
608-868-7644 or can be located in the section of our website entitled Privacy
Policy.
Relation to Other Agreements
Your use of the Bank's EFT services is subject to
this Disclosure and Agreement, the Bank's terms and conditions for
deposit accounts and all other terms and conditions applicable to your
accounts, including any future changes the Bank makes to those
agreements. If there is a conflict between the terms of this
Disclosure and Agreement and the other agreement, the terms in this
Disclosure and Agreement will prevail.
Change in Terms
The Bank may change the terms of this Disclosure and
Agreement from time to time. If the change will result in increased
fees or liability to you or stricter limitations in the transfers you
may make, the Bank will send a written notice or amended disclosure to
your last known address indicated in the Bank's records at least 30
days before the change becomes effective unless the Bank concludes
that an immediate change in the terms and conditions is necessary for
security reasons, in which case the Bank may change these terms and
conditions without such prior notice. The Bank reserves the right to
terminate your EFT privileges with or without cause. This termination
may be immediate if: (1) you or any authorized user of your ATM Card
or Check Card or other EFT services breach the terms in this
Disclosure or any other agreement with us; (2) you or any authorized
user of your card(s) or account(s) requests such a termination; (3)
The Bank has reason to believe that there has been or may be an
unauthorized use of your card or account(s); or (4) there are
conflicting claims to the funds in your account(s). The ATM Card
or Check Card is our property and shall be surrendered by you to us
upon request and regardless of who terminated the Card privileges.
Termination shall not affect the rights and obligations of the parties
for transactions made with the Card before the privileges are
terminated.
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Disclaimers of Warranties
Neither the Bank nor its agents who facilitate or
process EFTs make any express or implied warranties regarding the EFT
services covered by this Disclosure and Agreement, including any
warranty of merchantability or of fitness for a particular purpose.
While use of the Internet is reasonably secure, you
should be aware that it might be possible for others to intercept
transmissions you initiate, and in some instances you may receive a
virus when you are connected to the Internet. These risks can be
reduced (but not fully eliminated) if your software is up-to-date and
you have anti-virus and computer privacy appropriate to your needs.
Neither the Bank nor its agents will be responsible should your
communications be intercepted or should your computer become
"infected" with a virus even if the problem is traceable to
your use of a computer-based banking service offered by the Bank.
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