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First Community Bank hereby publishes the following terms
and conditions for User's use of bill payment services via telephone,
personal computer or any other device as may be offered by First Community Bank.
First Community Bank reserves the right to modify these terms and conditions
at any time, effective upon publication. User's use of bill payment services
constitutes agreement to these terms and conditions and any modifications
thereof.
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User agrees to accurately follow product use
instructions provided in the on-line tutorial (or contained within
the User guide provided).
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User agrees to schedule bill payments (payment
transaction date) at least five business days before the due date,
not including any grace period. A "Business day" shall
mean Monday through Friday, excluding Federal Banking holidays.
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User agrees to provide correct payee name,
address, account information and payment amount.
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User agrees to maintain sufficient funds in
funding account on the transaction payment
date requested.
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User agrees to notify First Community Bank or its
authorized agent no later than 60 days after User receives the FIRST
statement on which User believes a problem or error occurred.
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User acknowledges that First Community Bank or its authorized agent
will use all reasonable efforts to resolve an issue within 10 business days. If an issue is reported orally, User may be required
to send the complaint or question in writing within 10 business
days. Results of the investigation will be communicated within 3 business
days after it finishes its investigation. If First Community Bank or its authorized agent needs
more time they 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 the user's account
within 5 business
days for the amount the User believes is in error. If we ask the
User to put the complaint or question in writing and we do not
receive it within 10 business days, we may reverse the provisional
credit. If we determine there was no error and we provided you with
provisional credit, this credit will be reversed.
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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.
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There is no monthly fee for Bill Payment.
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This service may not be used to transmit alimony, child
support or other court directed payments or tax payments.
To stop a bill payment originated in Internet Banking, you
must contact technical support for assistance. Please refer to the numbers
indicated above or on the website. Fees apply.
BILL PAYMENT CUTOFF TIME - Bill payments must be entered
and transmitted to the bill payment processor prior to 5:00 PM, Central Standard Time in order to ensure that the payment process will begin on the
same day.
Your account will be debited on the first business day
following the date you have indicated for designated payment. The funds must
be in your account and available for withdrawal at that time. If funds are
not available for withdrawal as directed, the Bank may revoke your bill
payment service.
The payee will receive payments designated as
"electronic" within 3 business days after the funds have been
withdrawn from your account.
Payments that are designated as "check" will be
received when delivered by the US Postal Service. The Bank has no authority
or control over "check" issued payment delivery times.
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 a payment not accompanied by 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.
The authorized user prior to the service being terminated
must delete all recurring bill payments. Failure to do so may result in the
continuation of the scheduled payments.
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 peson 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, with the
exception of the first $100. 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.
Chargebacks
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.
| Fee
Schedule |
|
No monthly fee for Internet Banking |
|
No monthly fee for unlimited Bill
Payment transactions. |
|
$3.00 per external transfer initiated
through Internet Banking. |
|
