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***ATTENTION***FIRST NATIONAL BANK-FOX VALLEY WILL NEVER INITIATE AN EMAIL ASKING YOU TO SUBMIT PERSONAL INFORMATION VIA THE INTERNET. WE WARN YOU TO PROTECT YOUR PERSONAL INFORMATION AND BE CAUTIOUS OF ANY EMAIL THAT ASKS YOU FOR SUCH INFORMATION. IF YOU BELIEVE YOU HAVE BEEN SOLICITED BY A FRAUDULENT EMAIL, PLEASE CONTACT FIRST NATIONAL BANK-FOX VALLEY IMMEDIATELY. |
Before signing up for online banking you must first read and accept the agreement below.
First National Bank – Fox Valley
550 South Green Bay Road
Neenah WI 54956
Consumer Internet Banking Agreement and Disclosures
1. Coverage. This Agreement applies to your use of our Internet Banking Service ("Internet Service"), which permits you to access your accounts with us via the Internet for services selected by you and agreed upon by us. This Agreement applies to all persons that are parties to the accounts. In this Agreement, the terms "you" and "your" refer to each depositor on an account accessible by Internet Service, and the terms "us," "we," and "our" refer to the Bank.
2. Enrollment/Application Forms. To establish Internet Service you must agree to the conditions of this and other documents evidencing your desire to access your accounts using the Internet Service. The specific services available to you are identified in this Agreement. Your acknowledgement of this agreement constitutes your acceptance of its terms.
3. Your Responsibility. You are responsible for selecting all systems, hardware and your Internet Service provider and for any defect, malfunction or interruption in service or security due to hardware failure, your choice of Internet Service provider and systems and computer services.
4. Access Codes. You will be required to select an Access ID for your Internet Banking account. The Access ID must be five to seventeen characters in length and should be a combination of alpha and numeric characters. Upon receipt of your Internet Banking Application, we will issue a password to you permitting access to our Internet Service. You will need to change the Bank assigned password and enroll in enhanced security upon your first log-in into our Internet Banking web-site. The enhanced security and password has the same effect as your signature authorizing transactions. You agree to safely keep the enhanced security and password, not to record the enhanced security and password or otherwise disclose or make the enhanced security and password available to anyone other than authorized users of your accounts. Anyone to whom you disclose your enhanced security and password and anyone who has access to your enhanced security and password will have full access to the services you can perform on Internet Service, including full access to your accounts. You have no ability to limit any such person's authority. If anyone uses your enhanced security and password with your permission, you will be responsible for any transactions performed by that person.
5. Customer Liability. Tell us at once if you believe your PIN/enhanced security and password has been lost, stolen or otherwise become available to an unauthorized person. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your accounts (plus your maximum overdraft line of credit). If you tell us within two business days, you can lose no more than $50 if someone used your enhanced security and password without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your PIN/enhanced security and password, and we can prove that we could have stopped someone from using your enhanced security and password without your permission, you could lose as much as $500.
Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days of the date we mail a periodic statement to you, you may not get any money you lost after the 60 days if we show that we could have stopped someone from taking the money if you would have told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.
6. Contact in Event of Unauthorized Transfer. If you believe your enhanced security and password has been lost or stolen or that someone may or has fraudulently accessed your account, contact our Customer Service Department by telephone at (920)729-6900 or by mail:
First National Bank – Fox Valley
PO Box 629
Neenah WI 54957-0629.
7. Business Days. Our business days are Monday through Friday from 8:30 a.m. to 5:00 p.m. Central Time. The following holidays are not included as business days: New Years Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day and Christmas Day. We can process a fund transfer on the same business day as your instructions, if we receive your instructions before our Internet Service cut-off hour of 6:00 p.m. Central Time on a business day. If we receive your instruction after the end of our business day, we process the transaction on our next business day.
8. Functions. Using our Internet Service you can perform all of the functions listed below, in connection with the accounts covered by this agreement:
Subject to available funds, you may transfer funds through the Internet Service in any amount. For security reasons, there are other limits on the number of transfers you can make using Internet Service.
9. Canceling Funds Transfers. You may cancel or change a pending funds transfer by selecting and accurately completing the appropriate fields from the payment menu. Any instruction to cancel or change a transfer or bill payment must be received prior to the cutoff time on the day the transaction is to be processed. If we don’t receive your complete and accurate instruction identifying a funds transfer or payment prior to that time, we may process the transaction.
10. Overdrafts. When you schedule a funds transfer using the Internet Service, you authorize us to withdraw the necessary funds from your account with us. We deduct the amount of your funds transfer from your account on the date we process your instruction. Each instruction to us to withdraw or transfer from an account is an order to us to pay from that account at that time or on a later date, if any, indicated in the instruction. We may charge payments against the account even though the charge creates an overdraft, or we may refuse to make payments if the charge creates an overdraft. If you overdraw your account, you agree to immediately pay us the overdrawn amount, together with any applicable fees. 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.
11. Limitations on Transfers. Under federal regulations, you may make no more than six preauthorized electronic fund transfers and telephone transfers, including Internet Service transactions, checks and point-of-sale transactions per month from your savings or money market deposit account. Of these six transactions, you are limited to no more than three transactions per month by check, draft, debit card or similar order to third parties. Each fund transfer or bill payment through Internet Service from your savings or money market deposit account is counted as one of the six limited transfers you are permitted each month. (However, payments to your loan accounts with us are not counted toward this limit for savings and money market deposit accounts.)
12. Fees. We will charge you for Internet Service fees, if any, identified in our current fee schedule, and as it may be amended by us from time to time, and otherwise in accordance with our Deposit Account Rules.
13. Periodic Statements. Your Internet Service account activity will appear on your periodic account statement. If there are no transfers in a particular month, you will receive statements at least quarterly.
14. Our Liability For Failure to Make Transfers. If you have given us all of the proper and timely instructions and have properly completed all fields to complete a transfer, and we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, subject to the limitations contained in this Agreement, we will be liable for your losses or damages proximately caused by our failure. However, there are some exceptions. We will not be liable, for instance:
15. Account Information Disclosure. The circumstances under which we may provide information about your accounts to third parties are summarized in our current privacy notice. You agree that we may deliver our privacy notices to you by making them available on www.fnbfoxvalley.com . You may access the privacy notice on www.fnbfoxvalley.com, or request a copy in writing by contacting via mail at First National Bank – Fox Valley, PO Box 629, Neenah, WI 54957-0629.
16. Termination. We may modify, suspend or terminate your privilege of using Internet Service and may withhold approval of any transaction, at any time, without prior notice to you. In the event we terminate Internet Service, we will try to notify you in advance but are not required to do so. You will be notified as soon as practicable. Any one person who can use the account accessible with Internet Service may terminate Internet Service. Termination shall not affect the rights and obligations of the parties for transactions made with the Internet Service before we have had a reasonable time to respond to your termination request.
17. Third Parties. You understand that support and services relating to Internet Service are provided by third parties other than us, and you authorize us to contract with third parties to provide such support and service.
18. Amendment. We may amend this Agreement at any time. Notice will be sent to you at your current address in our files. Amendments will be effective upon the date indicated in the notice.
19. General. This Agreement is intended to supplement and not to replace other agreements between you and us relating to your accounts, including, without limitation, our Deposit Account Rules. In the event of a conflict between this Agreement and any other account rules and agreements that apply to your accounts, this Agreement shall govern and prevail.
In Case of Errors or Questions About Your Electronic Transfers
Telephone us at (920)729-6900 or write us at First National Bank – Fox Valley, PO Box 629, Neenah WI 54957-0629 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 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 your complaint or question. If we decide to do this, we will credit your account within 10 business days 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 within 10 business days, we may not credit your account.
The 10 day periods in the preceding paragraph may be extended to 20 business days, if the error involves a transfer to or from the account within 30 days after the first deposit to the account was made.
We will tell you the results within three 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.
