(A checking account must be entered as the Primary Account Number if bill pay services are enabled.)
Acceptance: I understand that my enrollment for Internet banking services is not effective until First Security Bank has verified the information in this enrollment form and has issued a temporary password on my behalf. I understand that I am required to change the temporary password to a private password the first time I log in to the system. I agree that the Internet Banking Access Agreement, as amended from time to time according to its terms, will govern all transactions involving Internet Banking.
FIRST SECURITY BANK
Consumer Internet Banking Access Agreement & Electronic Funds Transfer Act Disclosure
Agreement - This Agreement, which includes the Fee Schedule and Enrollment Form,
is a contract, which establishes the rules, which cover your electronic access to
your accounts at FIRST SECURITY BANK through Internet Banking. By using Internet
Banking, you accept all the terms and conditions of this Agreement. Please read
it carefully. The terms and conditions of the deposit agreements and disclosures
for each of your FIRST SECURITY BANK accounts as well as your other agreements with
FIRST SECURITY BANK such as loans and availability of funds continue to apply notwithstanding
anything to the contrary in this Agreement.
Definitions - As used in this Agreement, the words “we”, “our” and “us” mean
FIRST SECURITY BANK. “You” and “your” refer to the account holder authorized by
FIRST SECURITY BANK to use Internet Banking under this Agreement, and to anyone
else authorized by that accountholder as indicated on the Enrollment form or to
anyone to whom the accountholder provides their password to exercise control over
the accountholder’s funds through Internet Banking. “Account” or “accounts” means
your accounts at FIRST SECURITY BANK that can be accessed through Internet Banking.
“Electronic Funds Transfer (EFT)” means preauthorized transactions and transfers
to and from your FIRST SECURITY BANK accounts using Internet Banking including bill
payments. “Internet Banking services” means the services provided pursuant to this
Agreement, including the Bill Payment Service and Mobile Banking. “Business days”
means Monday through Friday. Bank holidays during which the Main Office of FIRST
SECURITY BANK is closed are not included.
Access - To use Internet Banking, you must have an account at FIRST SECURITY
BANK, access to Internet service, and an e-mail address. Once we have received your
signed Enrollment Form, and verified your account information, we will send you
by postal mail, confirmation of your enrollment, and your temporary password. Internet
Banking can be used to access only the FIRST SECURITY BANK accounts that you have
designated for access by Internet Banking in your Enrollment Form. You can add or
delete any of your FIRST SECURITY BANK accounts from this Agreement by completing
a Maintenance Form. Access to your accounts through Internet Banking will be based
upon the identification of users and authority levels specified by you in your Enrollment
Form. We undertake no obligation to monitor transactions through Internet Banking
to determine that they are made on behalf of the accountholder.
Mobile Banking – Mobile Banking requires internet access through your cellular
phone calling plan. Additional fees may be charged by your cellular phone service
provider for internet access. Contact your cellular phone provider for details.
Internet Banking Services - You can use Internet Banking to check the balance
of your FIRST SECURITY BANK accounts, view FIRST SECURITY BANK account histories,
transfer funds between your FIRST SECURITY BANK accounts, reorder checks, make stop
payment requests, view checks, and request address changes. If you requested Bill
Payment Service on your Enrollment Form, you can pay bills from your FIRST SECURITY
BANK checking accounts in the amounts and on the dates you request.
Hours of Access - You can use Internet Banking seven days a week, twenty-four
hours a day, although some or all Internet Banking services may not be available
occasionally due to emergency or scheduled Internet Banking maintenance. We agree
to post notice of any extended periods of non-availability on the FIRST SECURITY
Your Password - For security purposes, you are required to change your password
upon your initial login to Internet Banking. You determine what password you will
use and the identity of your password is not communicated to us. You agree that
we are authorized to act on instructions received under your password. You accept
responsibility for the confidentiality and security of your password. FIRST SECURITY
BANK recommends you change your password at least every 60 days. You are liable
for all transactions made or authorized using your password. FIRST SECURITY BANK
has no responsibility for establishing the identity of any person or determining
the validity of any transaction received using your password. If you provide your
password to anyone, you authorize any transactions carried out by that person. You
must notify FIRST SECURITY BANK at once by calling a Customer Service Representative
at (406) 585-3800 or (800) 555-3800 if you believe another person has improperly
obtained your password or has carried out unauthorized transactions.
If the account is a multiple-party account, each joint account holder, without
the consent of any other account holder, may, and is authorized by every other joint
account holder, to make any transaction permitted under the Agreement. Each account
holder is fully and personally obligated under the terms of the Agreement for the
actions of the other joint account holders. Upon three unsuccessful attempts to
use your password, your access to Internet Banking will be suspended. To re-establish
your authorization to use Internet Banking, utilize the “Forgotten Password” option
available on the login screen to receive a one-time temporary secure access code.
For increased security, we recommend you create a password that includes special
characters. Your password should not be associated with any commonly known personal
identification, such as social security numbers, address, birth date, or names of
children, and should be memorized rather than written down.
Security - You understand the importance of your role in preventing misuse of
your accounts through Internet Banking, and you agree to promptly examine your statement
for each of your FIRST SECURITY BANK accounts as soon as you receive it. You agree
to protect the confidentiality of your account and account number, and your personal
identification information, such as your driver’s license number and social security
number. You understand that personal identification information by itself or together
with information related to your account, may allow unauthorized access to your
account. Your password and login ID are intended to provide security against unauthorized
entry and access to your accounts. Data transferred via Internet Banking is encrypted
in an effort to provide transmission security and Internet Banking utilizes identification
technology to verify that the sender and receiver of Internet Banking E transmissions
can be appropriately identified by each other. Notwithstanding our efforts to insure
that the Internet Banking is secure, you acknowledge that Internet Banking is inherently
insecure and that all data transfers, including electronic mail, occur openly on
the Internet Banking and potentially can be monitored and read by others. We cannot
and do not warrant that all data transfers utilizing Internet Banking, or e-mail
transmitted to and from us, will not be monitored or read by others.
Fees and Charges - You agree to pay the fees and charges for your use of Internet
Banking services as set forth in the current fee schedule. You agree that all such
fees and charges will be deducted from the FIRST SECURITY BANK checking account
designated as the “Primary Checking Account” on your Enrollment Form. If you close
your Primary Checking Account, you must contact us immediately to designate another
account as your Primary Checking Account. You agree to pay any additional reasonable
charges for services you request which are not covered by this Agreement. You are
also responsible for telephone and Internet Banking service fees you incur in connection
with your use of Internet Banking.
Posting of Transfers - Transfers initiated through Internet Banking before 4:00
p.m. (Mountain Time) on a business day are posted to your account the same day.
Transfers completed after 4:00 p.m. (Mountain Time) on a business day, Saturday,
Sunday or banking holiday, will be posted on the next business day. Internet Banking
identifies transfers based upon the login ID of the user who made the electronic
External Transfers - If you wish to initiate transactions to or from an account
at another financial institution, you may request transfer access to/from an external
checking or savings account. The external account must be accessible via Automated
Clearing House (ACH) using a routing/transit number and account number. You must
be an owner of the account at the other financial institution you are transferring
funds to/from, and you must submit an “External Account Authorization” form to First
Security Bank for approval. Proof of ownership of the external account, in addition
to a canceled check, may be required. Balance and account history information for
external accounts cannot be obtained through the Internet Banking system.
Overdrafts (Order of Payments, Transfers, and other Withdrawals) - If your account
has insufficient funds to post all EFT’s you have requested for a given business
day EFT’s involving currency disbursements, like ATM or Visa Debit Card withdrawals,
will have priority, and EFT’s initiated through Internet Banking, which would result
in an overdraft of your account, may, at our discretion, be cancelled, paid or returned.
Overdraft/NSF charges may be assessed pursuant to the terms of the deposit agreement
for that account.
Limits on Amounts and Frequency of Internet Banking Transactions - The number
of transfers from FIRST SECURITY BANK accounts and the amounts which may be transferred
are limited pursuant to the terms of the applicable deposit agreement and disclosure
for those accounts. If a hold has been placed on deposits made to an account from
which you wish to transfer funds, you cannot transfer the portion of the funds held
until the hold expires.
Disclosure of Account Information and Transfers - You understand that information
about your accounts or the transfers that you make may automatically be disclosed
to others. For example, tax laws require disclosure to the government of the amount
of interest you earn, and some transactions, such as large currency and foreign
transactions must be reported to the government. We may also provide information
about your accounts to persons or companies we believe would use the information
for reasonable purposes, such as when a prospective creditor seeks to verify information
you may have given in a credit application or a merchant calls to verify a check
you have written. In addition, we routinely inform credit bureaus when accounts
are closed because they were not handled properly. We may also seek information
about you from others, such as the credit bureau, in connection with the opening
or maintaining of your account or in connection with approving your access to Internet
Banking. You agree and hereby authorize all of these transfers of information.
Periodic Statements - You will not receive a separate Internet Banking statement.
Transfers to and from your accounts using Internet Banking will appear on the respective
periodic statements for your FIRST SECURITY BANK accounts.
Change in Terms - We may change any term of this Agreement at any time. If the
change would result in increased fees for any Internet Banking service, increased
liability for you, fewer types of available EFT’s, or stricter limitations on the
frequency or dollar amount of transfers, we agree to give you notice at least 21
days before the effective date of any such change, unless an immediate change is
necessary to maintain the security of an account or Internet Banking. We will post
any required notice of the change in terms on the FIRST SECURITY BANK Internet Banking
website or forward it to you by e-mail or by postal mail. If advance notice of the
change is not required, and disclosure does not jeopardize the security of the account
or Internet Banking, we will notify you of the change in terms within 30 days after
the change becomes effective. Your continued use of any or all of the entire Internet
Banking services indicates your acceptance of the change in terms. We reserve the
right to waive, reduce or reverse charges or fees in individual situations. You
acknowledge and agree that the applicable deposit agreements and disclosures govern
changes to fees applicable to specific accounts.
In Case of Errors or Questions about Your Electronic Transfers - Telephone us
at (406) 585-3800 or write us at P.O. Box 910, Bozeman, MT 59771, as soon as you
can, if you think your statement is wrong, or if you need more information about
a transfer listed on your statement. We must hear from you no later than 60 days
after we sent the FIRST statement upon which the problem or error appeared. When
you contact us:
- Tell us your name and account number.
- Describe the error or 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 contact us by telephone or by e-mail, we may require that you send us
your complaint or question in the form of a paper writing by postal mail or fax
within 10 business days.
We will communicate to you the results of our investigation within 10 business
days (and 20 business days if the transfer involved a new account) after you contact
us and will correct any error promptly. If we need more time, however, we may take
up to 45 days (90 days if the transfer involved a new account, a P.O.S. transaction,
or a foreign-country-initiated transfer) to investigate your complaint or question.
If we decide to do this, we will provisionally credit your account within 10 business
days (20 business days if the transfer involved a new account) for the amount you
think is in error, so that you will have the use of the money during the time it
takes us to complete our investigation. If we ask you to put your complaint or question
in writing and WE DO NOT receive it in the form of paper writing within 10 business
days, we may not provisionally credit your account. Your account is considered a
new account for the first 30 days after the first deposit is made.
We will tell you the results within 3 business days after completing our investigation.
If we decide that there was no error, we will send you a written explanation. You
may ask for copies of the documents that we used in our investigation.
Your protections and rights to error resolution under Regulation E are established
by the regulatory definition of “error”. The term “error” means:
- An unauthorized electronic fund transfer (EFT).
- An incorrect EFT to or from the consumer’s account.
- The omission of an EFT from a periodic statement.
- A computational or bookkeeping error made by the financial institution relating
to an EFT.
- The consumer received an incorrect amount of money from an electronic terminal.
- An EFT that is not properly identified.
- A request for documentation required by Regulation E, or for additional information
or clarification so that a consumer can determine whether an error was made.
Our Liability for Failure to Make a Transfer - If we do not complete a transfer
to or from your account, on time or in the correct amount, according to our agreement
with you when you have properly instructed us to do so, we will be liable to you
for your losses or damages caused as a result. However, there are some exceptions.
We will NOT be liable, for instance:
- If, through no fault of ours, you do not have enough money in your account
to make the transfer.
- If the money in your account is subject to legal process or other claims
restricting such transfer.
- If the transfer would go over the credit limit on your overdraft line.
- If circumstances beyond our control (such as fire or flood) prevent the transaction,
despite reasonable precautions that we have taken.
- There may be other exceptions stated in our agreement with you.
Your Liability for Unauthorized Electronic Transfers - CONTACT US AT ONCE by
telephone at (406) 585-3800 or write us at P.O. Box 910, Bozeman, MT, 59771, if
you believe your password has been lost, stolen, used without your authorization,
or otherwise compromised, or if someone has transferred or may transfer money from
your accounts without your permission. An immediate telephone call to us is the
best way to reduce any possible losses. You could lose all the money in your accounts
(plus your maximum overdraft line of credit if any). If you contact us within 2
business days after you learn of the loss, theft, compromise, or unauthorized use
of your password you can lose no more than $50 if someone used your password without
If you do NOT contact us within 2 business days after you learn of the loss,
theft, compromise, or unauthorized use of your password, and we can prove we could
have stopped someone from using your password to access your accounts without your
permission if you had told us, you could lose as much as $500. The two (2) day period
is determined using the time zone of the main office in Bozeman, (Mountain Time
Zone), not the time zone where the consumer is located.
Also, if your statement shows transfers that you did not make, contact us at
once. If you do not tell us within 60 days after the paper statement was mailed
to you, you may not get back any money you lost through transactions made after
the 60-day time period 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 hospital
stay) kept you from contacting us, we will extend the time periods.
DISCLAIMER OF WARRANTY AND LIMITATION OF LIABILITY - WE MAKE NO WARRANTY OF ANY
KIND, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS
FOR A PARTICULAR PURPOSE, IN CONNECTION WITH THE INTERNET BANKING SERVICES PROVIDED
TO YOU UNDER THIS AGREEMENT. WE DO NOT AND CANNOT WARRANT THAT INTERNET BANKING
WILL OPERATE WITHOUT ERRORS, OR THAT ANY OR ALL INTERNET BANKING SERVICES WILL BE
AVAILABLE AND OPERATIONAL AT ALL TIMES. EXCEPT AS SPECIFICALLY PROVIDED IN THIS
AGREEMENT, OR OTHERWISE REQUIRED BY LAW, YOU AGREE THAT OUR OFFICERS, DIRECTORS,
EMPLOYEES, AGENTS OR CONTRACTORS ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL
OR CONSEQUENTIAL DAMAGES UNDER OR BY REASON OF ANY SERVICES OR PRODUCTS PROVIDED
UNDER THIS AGREEMENT OR BY REASON OF YOUR USE OF OR ACCESS TO INTERNET BANKING,
INCLUDING LOSS OF PROFITS, REVENUE, DATA OR USE BY YOU OR ANY THIRD PARTY, WHETHER
IN AN ACTION IN CONTRACT OR TORT OR BASED ON A WARRANTY. FURTHER, IN NO EVENT SHALL
THE LIABILITY OF FIRST SECURITY BANK AND ITS AFFILIATES EXCEED THE AMOUNTS PAID
BY YOU FOR THE SERVICES PROVIDED TO YOU THROUGH INTERNET BANKING.
Your Right to Terminate - You may terminate your Internet Banking service at
any time by providing us with written notice by postal mail or fax. Your access
to Internet Banking will be terminated within 3 business days of our receipt of
your instructions to terminate the service. You will remain responsible for all
outstanding fees and charges incurred prior to the date of termination.
Our Right to Terminate - You agree that we can terminate or limit your access
to Internet Banking services for any of the following reasons:
- Without prior notice, if you have insufficient funds in any one of your FIRST
SECURITY BANK accounts. Internet Banking service may be reinstated, in our sole
discretion, once sufficient funds are available to cover any fees, pending transfers,
- Upon three business day’s notice, if you do not contact us to designate a
new Primary Checking Account immediately after you close your Primary Checking Account.
- Upon reasonable notice, for any other reason in our sole discretion.
Communications between FIRST SECURITY BANK and You - Unless this Agreement provides
otherwise, you can communicate with us in any one of the following ways:
In Person: You
may visit us in person at any one of our branches.
Telephone: (406) 585-3800 or (800) 555-3800
Facsimile: (406) 585-3802
FIRST SECURITY BANK
P.O. Box 910
Bozeman, Montana 59771
Consent to Electronic Delivery of Notices - You agree that any notice or other
type of communication provided to you pursuant to the terms of this Agreement, and
any future disclosures required by law, including EFT disclosures, may be made electronically
by posting the notice on the FIRST SECURITY BANK Internet Banking website or by
e-mail. You agree to notify us immediately of any change in your e-mail address.
By clicking the "I Accept" button below you are providing your consent to this agreement. Please contact us if you would like a copy of this agreement for your records.