INTERNET BANKING APPLICATION
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Complete the form, sign and submit the completed application by mail to the address below:
Security State Bank, NA
PO Box 70
Attn: Internet Banking Department
Ore City, TX 75683
Or Fax to (903) 968-6000
Thank you for choosing Security State Bank Internet Banking. Please feel free to call any of our friendly staff at (903) 968-2310 with any questions you might have.
Internet Banking applications are also available at the Ore City and Diana locations.
SECURITY STATE BANK
APPLICATION FOR INTERNET BANKING
Please complete and sign this application and return to Security State Bank for enrollment to Internet Banking.
INTERNET BANKING INFORMATION
Please list the account numbers you would like to access through our Internet Banking product.
By signing below, you are applying for Internet Banking Services. I agree that sufficient funds must be available in my account on the date I schedule payments or transfers that are to be made using the Internet Banking Service. I authorize you to charge my account for any transactions made through the use of the Internet Banking Service, including the amount of any recurring payment or transfer that I make.
I acknowledge receipt of the Internet Banking Agreement, that I understand the terms and conditions set forth therein and agree to be bound by them.
Received by:_____ Date Processed:_______ Processor:________
INTERNET BANKING INSTRUCTIONS
Welcome to Internet Banking. To access your account your must first register for Internet Banking by completing the above application. We will notify you when you are set up either by phone or e-mail. Then go towww.ssborecity.com and choose Internet Banking in the tool bar at the top of the web page. You then click Online Banking.
Wait until the padlock disappears and enter your CIF# (Customer Number) and enter. A keyboard will appear on which you click on the temporary PIN (9682310). This will prompt you to change your PIN. It is case sensitive and must be 6-15 characters either numeric, alphabetical or combination of both.
If you try to access the website three (3) times with an incorrect PIN you will be disabled and must call the bank to be reset.
To register for Online Bill Pay sign on to Internet Banking. When you get to the page that shows your account information click on the Online Services and you will see a link that says Bill Pay. Click on this to register. If this does not open, make sure your pop-up blocker is off (allow pop-ups to this site). If you have any problems, please call the bank.
Agreement for Internet Banking
This Agreement for Internet Banking is by and between Security State Bank (hereinafter referred to as the "Bank") and the account holder (hereinafter referred to as "you" or "your").
In accordance with your decision to utilize the Bank's Internet Banking product, the Bank hereby grants you an exclusive nontransferable sublicense of Internet Banking software. You agree and understand that upon your written acceptance of this Agreement and the completion of the Customer Information Sheet, the Bank will provide you with access to Internet Banking. Internet Banking is not a product belonging to the Bank but is, instead, a third party service which has been made available to the customers of Security State Bank if they elect to accept such service.
Such service will provide you with information and data relative to your bank statements and your accounts at the Bank and, should you elect, such program may also permit you to initiate certain transfers in and from your accounts. The Bank has no proprietary control over the software and, therefore, cannot and will not guarantee its performance or suitability.
1. Instructions, Customer Numbers, and Passwords
You may utilize Internet Banking to obtain information concerning the status of your accounts at the Bank, seven (7) days a week, twenty-four (24) hours a day.
You agree to keep your password strictly confidential. If you authorize or permit another person to use the Service or attain your password, you are responsible for payments, transfers, or advances that person makes from the deposit and credit accounts linked to your service registration. If your password becomes known to any unauthorized person, or if you believe that it may have become known to an unauthorized person, you will immediately provide telephone notice thereof to the Bank, followed by written notice to be sent the same day. The Bank reserves the right to change your password at any time, effective upon notice to you.
2. Input of Information
The Bank will exercise reasonable care in entering into your accounts the information you place into Internet Banking. The Bank shall not be liable or responsible for information which is inaccurate, incomplete, not current, or lost in transmission. It is understood that the Bank assumes no liability or responsibility for the accuracy, completeness or correctness of the data entered into Internet Banking.
3. Internal Transfers
The Bank will execute properly authorized transfer requests on the business date received provided such requests are received by the Bank prior to 3:00 p.m. By initiating any such transfer(s), you assume full responsibility for verifying the availability of collected funds at the time of the transfer request.
4. Restrictions on transfers from Savings and Money Market Accounts
You understand that under Federal Reserve Board Regulation D, depositors are permitted to make no more than six transfers or withdrawals from a money market account per month (not counting transactions made at ATMs or at banking centers). Transfers made by telephone or personal computer are counted toward the six total permitted monthly transfers or withdrawals. If you transactions exceed the legal limit, we will charge you a fee for each such transaction in excess of the legal limit. If you exceed the restrictions more than three times during a 12- month period, we will change the money market account to a checking account. On Regular Savings accounts, we charge a fee for each withdrawal or transfer in excess of three. The amount of these fees as set forth in the Account Information Disclosure.
5. Honoring Transactions
All individuals who are given use of your password to initiate any of the transactions described in paragraph 3 (hereinafter referred to, as "Electronic Entry (ies) shall be designated as "authorized representatives". You understand that an electronically transmitted name of an "authorized representative" is not subject to verification and the name of an authorized representative, you may be solely responsible for any actions taken by such unauthorized person. You acknowledge and agree that, notwithstanding the terms of any agreement to the contrary between you and the Bank, when you use Internet Banking to effect Electronic Entries, the Bank shall have no responsibility for verifying such Entries by telephone or otherwise prior to effecting the transactions. With respect to any Electronic Entry, the Bank is under no obligation to honor either partially or entirely, any transfer requests which exceeds the available funds in your account with the Bank, is not in accordance with any written agreement between you and the Bank; or is not in accordance with the security requirements set out herein. If the Bank in its sole discretion creates an overdraft to complete a transfer, you agree to repay the Bank upon demand, together with interest (at the Bank's then current per diem interest rate for such overdrafts), a processing fee and, if necessary, the costs of collection. However, the Bank is under no obligation to create an overdraft for any purpose. The Bank is not liable for failing or refusing to perform any transaction that would violate this or any other agreement with the Bank.
6. Disclaimer or Warranties; Limitations and Liability
THE BANK HAS NOT MADE, AND DOES NOT BY THIS AGREEMENT MAKE, ANY REPRESENTATIONS OR WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING THOSE OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR USE OR PURPOSE, WITH RESPECT TO INTERNET BANKING, AND THE BANK HEREBY DISCLAIMS THE SAME. IN NO EVENT SHALL THE BANK OR ITS DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INCIDENTAL, SPECIAL, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL LOSSES OR DAMAGES INCLUDING WITHOUT LIMITATION, LOSS OF USE, LOSS OF PROFITS, OR CLAIMS OF THIRD PARTIES, WHETHER OR NOT THE POSSIBILITY OF SUCH LOSSES OR DAMAGES WAS KNOWN BY THE BANK.
THE BANK AND ITS DIRECTORS, EMPLOYEES AND AGENTS ARE NOT AND SHALL NOT BE LIABLE FOR THE ACTS AND/OR OMISSIONS OF ANY THIRD PARTY, INCLUDING BUT NOT LIMITED TO THE VENDOR(S) OF INTERNET BANKING, AND ITS COMPONENTS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THIS AGREEMENT, INTERNET BANKING, OR YOUR USE THEREOF.
7. Suspension or Termination
It is understood that the ability of the Bank to provide access to Internet Banking is conditioned upon the continued operation and availability of the computers which house Internet Banking. In the event that access by either you or the Bank to that computer/communications system is suspended or terminated for any reason, the Bank and its directors, employees and agents will have no responsibility to provide these services and, in such an event, the Bank may suspend or terminate this Agreement, without further responsibility or obligation.
The Bank shall take reasonable precautions to insure that the customer information put into Internet Banking will remain confidential and protected from unauthorized access by third parties. It shall be conclusively presumed that the Bank has satisfied the foregoing obligations if the Bank has adhered to its regular security procedures and made contracts with reputable third parties who have made comparable representations to the bank. Similarly, there shall be a presumption that the third-parties engaged by the Bank shall have satisfied their obligations to maintain confidentiality of customer's information input into Internet Banking if such parties have adhered to their regular security procedures. Notwithstanding the Bank's commitment to take reasonable precautions, you specifically agree that the Bank shall not be liable to or responsible for any breach of confidentiality through the use of Internet Banking except as such breach results solely form the Bank's gross negligence or willful misconduct.
9. Limitation on Bank Liability
Upon accessing Internet Banking, the Bank shall exercise ordinary care to follow the instructions it receives from you through Internet Banking, unless the Bank has received written notice to change your password. The Bank is not liable to you for any act or failure to act, unless such actor failure to act is grossly negligent or reckless. The Bank is not liable or responsible to you for: (a) delays caused by any internal computer, failure, or other problems, or computer problems with any third-party; (b) the furnishing of data or information, makes, errors, or omissions of any kind relating to inquiries, instructions, messages or transactions, originating from Internet Banking which are not caused by the Bank's gross negligence or willful misconduct; (c) use by other persons authorized by you for Internet Banking to effect or to attempt to effect transitions in your accounts and to gain information as to your accounts; (d) loss or damage caused to you by use of Internet Banking; (e) your failure to use Internet Banking in accordance with instructions; and any act of God, natural disaster or other cause outside the control of the Bank.
If you suffer any loss of interest resulting from the Bank's error in executing or failing to execute a transfer in accordance with this Agreement, the Bank will reimburse you for the loss of such interest as stated herein for a period not exceeding fourteen (14) days following your receipt of the confirmation advise or periodic account statement (whichever occurs first). Such interest shall not exceed the Federal Funds Rate (net of required reserve) in effect at the Federal Reserve Bank of Dallas for the period involved.
Liability for Unauthorized Use: You will tell us immediately if you believe your PIN or password has become known to an unauthorized person or if an unauthorized transaction has occurred involving your account. Telephoning is the best way of keeping your possible losses to a minimum. If you suggest that an unauthorized transfer or payment may have occurred, we may require you to sign an affidavit.
If you tell us within two banking days after you learn of the loss or theft, you can lose no more than $50.00 if an unauthorized person used your PIN or password without your permission to process a transaction. If you do NOT tell us within two banking days after you learned that your PIN or password has become known by an unauthorized person, and we can prove that we could have stopped someone from using your PIN or password without your permission if you had told us, you could be liable for as much as $500.00.
Also, if your statement shows electronic funds transfers that you did not make, you will tell us at once. We may require you to provide your complaint in the form of an affidavit. 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. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time periods.
Address and Telephone Number for Notifications of Unauthorized Use: The Bank strongly recommends that you not use electronic mail to notify us of any stop payment requests you wish to make on personal checks. To ensure expedient handling, stop payment requests on personal checks should be made by calling the Bank. If you believe your PIN or password has become known by an unauthorized person, or that someone has transferred money or made payments without your permission, you will call Security State Bank at (903) 903-2310, or write to:
Security State Bank, PO Box 70, Ore City, Texas 75683.
You hereby agree to defend, indemnify, and hold harmless the Bank and its directors, employees, and agents, firm and against any and all claims, actions and suits, whether groundless or otherwise, and from and against any and all liabilities, losses, damages, costs, charges, attorney's fees, and other expenses of every nature, directly or indirectly resulting from, due to or relating to, or arising by reason of, use(including unauthorized use), or misuse, or loss caused by the use of Internet Banking and including, without limitation, any such arising directly or indirectly out of, or in any way connected with this agreement.
11. Additional Terms and Conditions
Your Service may be automatically terminated without notice, if you do not use the product for 180 consecutive days.
SECURITY STATE BANK BILL PAYMENT SERVICE AGREEMENT AND DISCLOSURE
Note: All references to the "Payment Service" and/or "the Service" reflect the Service offered by the financial institution listed above.
BILL PAYMENT SERVICE
By providing the Service with the names and account information of those persons or entities to whom you wish to direct payment, you authorize the Service to follow the payment instructions that it receives from you through the software program. When the Service receives a payment instruction, you authorize the Service to charge your transaction account on the selected Scheduled Payment Date and remit funds to the designated payee on your behalf.
While it is anticipated that most transactions will be processed and completed on the day after your selected Scheduled Payment Date and arrive approximately four business days after your selected Scheduled Payment Date, it is understood that due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by slow responding companies or financial institutions, some transactions may take a day or even a few days longer to post to your account with the designated payee. For this reason, it is recommended that all Scheduled Payment Dates selected by you be seven business days before the actual due date, not the late date and/or grace period. If you properly follow the procedures described herein and the Service fails to send a payment according to the payment instructions received, the Service will bear responsibility for all late charges. In any other event, including but not limited to choosing a Scheduled Payment Date that is not seven business days before the due date or on or past the due date stated on your invoice, the risk of incurring and responsibility for paying any and all late charges or penalties shall be borne by you.
The Service will use its best efforts to make all your payments properly. However, the Service shall incur no liability if it is unable to complete any payments initiated by you through the Service because of the existence of any one or more of the following circumstances:
* Your account does not contain sufficient funds to complete the payment or transfer, or the transfer would exceed the credit limit of your overdraft account;
* The Processing Center is not working properly and you know or have been advised by the Service about the malfunction before you execute the transaction;
* The payee mishandles or delays a payment sent by the Service;
* You have not provided the Service with the correct names or account information for those persons or entities to which you wish to direct payment;
* Circumstances beyond the Service's control (such as, but not limited to, fire, flood, interference from an outside force) prevent the proper execution of the transaction and the Service has taken reasonable precautions to avoid those circumstances.
Provided none of the foregoing five (5) exceptions to the Service performance obligations are applicable, if the Service causes an incorrect amount of funds to be removed from your transaction account or causes funds from your transaction account to be directed to a person or entity that does not comply with your payment instructions, the Service shall be responsible for returning the improperly transferred funds to your transaction account and for directing to the proper recipient any previously misdirected payments or transfers.
THE FOREGOING SHALL CONSTITUTE THE SERVICE'S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL THE SERVICE BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE EQUIPMENT, SOFTWARE, AND OR THE SERVICE.
Note: Payment of taxes or court-directed payments through the Service is prohibited.
EXCLUSIONS OF WARRANTIES THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
PASSWORD AND SECURITY
You agree not to give service account access to any unauthorized individuals. If you believe that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling us at (903)968-2310 during normal customer service hours.
YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS
If your monthly statement contains transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money or recovered the money had you told us in time. If a good reason (such as along trip or a hospital stay) prevented you from telling us, we may extend the period.
ERRORS AND QUESTIONS
In case of errors and questions about your electronic transfers or payments, you should telephone us at (903) 968-2310 during our customer service hours. Write us at: Security State Bank P.O. Box 70, Ore City, TX 75683 as soon as you can. If you think that your statement is wrong or you need more information about a transfer listed on the statement, we must hear from you no later than sixty (60) days after you received the first statement on which the problem or error appeared.
Tell us your name and Service Account Number Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send your complaint in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you, and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate the complaint or question. If we decide to do this, we will re-credit your account within ten (10) business days for the amount you think is in error, so that you may have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we will not re-credit your account. If we decide there was no error, we will mail you a written explanation within three (3) business days after we finish the investigation. You may ask for copies of documents that we used in our investigation.
LIMITS ON PAYMENTS AND TRANSFERS
There is a maximum dollar limit on any Payment or transfer equal to available balance in my deposit account. However, I understand the Bank reserves the right, at its sole discretion, to set a maximum dollar limit for Payments or transfers.
DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES
We will disclose information to third parties about your account or the transfers you make only in the following situations:
Where it is necessary for completing transfers; or
To a consumer reporting agency for research purposes only; or
In order to comply with a governmental agency or court orders; or
If you give us your written permission.
MERCHANT OR PAYEE LIMITATION
The Service reserves the right to refuse to pay any person or entity to which you may direct a payment. The Service is obligated to notify you promptly if it decides to refuse to pay a person or entity designated by you. This notification is not required if you attempt to pay tax or court related payments, which are prohibited under this Agreement.
You agree that the Service reserves the right to obtain financial information regarding your account from a merchant or financial institution to resolve payment-posting problems.
In the event of a dispute regarding the Service, you and the Service agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and the Service which supersedes any proposal or prior agreement, oral or written, and any other communications between you the Service relating to the subject matter of this Agreement. If there is a conflict between what one of the Service's employees says and the terms of this Agreement, the terms of this Agreement shall control.
E-mail communications received from or sent to me should be deemed to be only minimally secure; therefore, personal or private information should not be conveyed in such manner. This includes information relating to:
• my account number(s) with the Bank
• my social security number• my credit or debit card numbers
• my home address, etc.
I understand and agree that any requests I send to the Bank via electronic mail may not be entirely secure or confidential, nor can my identity be positively confirmed as the sender of such requests. I agree to indemnify the Bank and hold it harmless if the Bank acts with ordinary care and in good faith by responding to any E-mail purported to be sent by me. Implementation by the Bank of its normal procedures for maintaining the confidentiality of information shall constitute fulfillment of its obligation to exercise due care. The Bank shall not be liable for loss or damage incurred by me in the situation where an unauthorized person gained access to an E-mail.
You may not assign this Agreement to any other party. The Service may assign this Agreement to any future, directly or indirectly, affiliated company. The Service may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.
The Service shall not be deemed to have waived any or its rights or remedies hereunder unless such waiver is in writing and signed by the Service. No delay or omission on the part of the Service in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.
The captions of Sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions for this Agreement.
This Agreement shall be governed by and construed in accordance with the laws of the State of Texas without regard to its conflicts of laws provisions.
Any and all claims, demands, disputes or controversies of every kind or nature between the parties hereto arising out of or relating to this agreement, its construction, performance or alleged breach, which is not otherwise settled by agreement of the parties, shall be submitted to, determined and decided by arbitration, held in Ore City, Texas, in accordance with the Rules and Procedures of the American Arbitration Association.