Please read and print this document before
clicking on the I Agree button which will take you to the online
enrollment form.
Thank you for your interest in the Little Horn
State Bank Internet Banking service. This Agreement and
Disclosure Statement provides information about the Little Horn
State Bank online banking service and contains the disclosures
required by the Electronic Funds Transfer Act. Please review the
following disclosure information. Once you have completely
reviewed the information, click “I Understand and Accept” to
indicate your agreement and to begin the process of online
banking.
ONLINE BANKING AGREEMENT
The undersigned ("I" or "we"), in consideration of The Little
Horn State Bank ("you" or "your") issuing me Login Codes for
access to Internet Banking, hereby agrees to be legally bound by
the following terms and conditions.
1. Internet Banking Services
I have the Checking and/or Savings account(s) with you set forth
on my application form. I hereby request that you issue to me
Login Codes to be used in connection with such accounts as
described in the Agreement. I understand I may use Internet
Banking to (1) transfer funds between accounts; (2) obtain
available balances on accounts; (3) obtain the current balances
on accounts; and (4) obtain transaction history on accounts.
2. Identification Number and Password
I understand that access requires the use of unique Login Codes
assigned by you. I agree that electronic copies of
communications are valid and I will not contest the validity of
the originals absent proof of data or tampering. I understand
that accessing Internet Banking with my Login Codes will
authenticate and validate the directions given just as my actual
signature will authenticate and validate my direction given to
you. I acknowledge that my Login Codes are identification codes
that are personal and confidential and that the use of the Login
Codes is a security method by which you are helping me to
maintain the security of my account(s). Therefore, I AGREE TO
TAKE ALL REASONABLE PRECAUTIONS THAT NO ONE ELSE LEARNS MY LOGIN
CODES. I AGREE THAT IF I GIVE MY LOGIN CODES TO SOMEONE ELSE TO
USE, I AM AUTHORIZING THEM TO ACT ON MY BEHALF AND I WILL BE
RESPONSIBLE FOR ANY USE OF THE CODES BY THEM AT ANYTIME.
3. Liability for Unauthorized Transactions
I agree to contact you at once if I believe the Login Codes
issued to me have been lost or stolen. I also agree that if my
monthly statement shows transactions which I did not make, and I
do not contact you within 60 days after the statement was mailed
to me, I risk the return of lost funds. I understand that if I
believe an unauthorized transfer from any of my accounts has
occurred, I will contact you by writing, calling or e-mailing
you at:
Address:
The Little Horn State Bank
Internet Banking
PO Box 530, Hardin, MT 59034
Phone:
(during business hours)
406-665-2332
Email: online@littlehornstatebank.com
4. Charges
I agree to pay the charges or transaction fees which are charged
by you for these services or for services which may later be
offered as such fees or charges may be imposed or changed from
time to time.
5. Amendment of this Agreement
I agree that from time to time you may amend or change the terms
of this Agreement including amendments or changes to add further
Online services or to amend or change the charges for these
services. You may do so by notifying me in writing of such
amendments or changes and my use of Internet Banking after the
effective date of any such amendment or change shall constitute
my acceptance of and agreement to such amendment or change.
6. Disclosure
I hereby acknowledge that I reviewed the Online Banking
Disclosure & Agreement, informing me of my rights under the
Electronic Funds Transfer Act.
Online Banking Disclosure Statement
The purpose of this Disclosure Statement is to inform you of
certain rights that you have under the Electronic Funds Transfer
Act.
Please Note: In this statement, the words "you" and "your" each
refer to the person who uses or is authorized to use Internet
Banking services. The words "we", "our" and "us" refer to The
Little Horn State Bank.
1. Internet Banking Services
You may access our Internet Banking service using the personal
Login Codes that we issue to you and conduct the following
transactions:
Transfer funds between:
-
Checking account(s)
-
Savings account(s)
Make payments to:
Obtain the available balance(s) in:
Obtain the current balance(s) in:
Obtain transaction history from:
2. Banking Services
Our Online Banking Service is available 24 hours a day, 7 days a
week. However, we only process transactions and update
information on business days. Our online transfer business days
are Monday through Friday, 7:00 pm. Transfers made on weekends,
holidays, scheduled in advance or after 7:00 pm, will be
processed on the next business day.
3. Identification Number and Password
Access to Internet Banking may be made by personal computer.
Access requires the use of a unique Login and Personal
Identification Number (collectively, the "Login Codes") assigned
by us. Your use of Internet Banking with the Login Code
authorized by us will be deemed by us to be valid and authentic,
and you agree that any communications to us under your Login
Code will be given the same legal effect as written and signed
paper communications. You agree that electronic copies of
communications are valid and you will not contest the validity
of the originals, absent proof of altered data or tampering.
4. Lost or Stolen Login Codes
If you believe your Password or other means of access have been
lost or stolen or that someone has used them without your
authorization, immediately change your Internet Banking
Password. This is done by accessing the Change Password option.
To change the Access ID you will have to contact us immediately
by writing, calling or E-mailing us at:
Address:
The Little Horn State Bank
Attn: Internet Banking Support
PO Box 530, Hardin, MT 59034
Phone:
(during business hours)
406-665-2332
Email: online@littlehornstatebank.com
Include in the message your name, address, telephone number and
a brief description of the problem. All E-mail requests will be
answered by close of the next business day.
5. Charges for Transactions
Depending on which service you subscribe to, you will be charged
the applicable online banking monthly fee. For a listing of fees
contact us. We reserve the right to change our fee schedule from
time to time and to charge your account, in accordance with the
fee schedule that will be provided to you, prior to assessment.
6. Record of Transaction
You will receive a monthly statement showing the status of your
account(s), transactions made during the past month, and any
charges, which we may impose for such services or transactions.
7. Liability for Unauthorized Transfers/Transactions
CONTACT THE BANK IMMEDIATELY if you believe your Login Codes
have been lost or stolen. Change your password and contact us.
If you notify us of a loss, your liability for unauthorized
transfers or payments will be as follows:
If you contact us within two business days of the loss or your
discovery of the loss, you can lose no more than $50.00 if
someone used your Login Codes without your permission.
If someone used your Login Codes without your permission, you
could lose as much as $500 if you do not contact us within two
business days after you learn of the loss and we can prove that
we could have prevented the loss if you had contacted us.
If your monthly statement shows transfers or payments that you
did not make and you do not contact us within 60 days after the
statement was mailed to you, you may not get back any funds lost
after the 60 days, if we can prove that your contacting us would
have prevented those losses.
8. Your Liability
You agree to the terms of this Online Banking Disclosure and the
schedule of fees that may be imposed. You authorize us to deduct
these fees as accrued directly from your account balance. You
are liable for all transactions that you authorize. If you have
given someone your Internet Banking Login Codes or other means
of access and want to terminate that person's authority you must
change your identification number and password and make the Bank
aware of your intentions in writing.
9. Account Restrictions
Your name must appear in the legal title to make transfers
between accounts. You may not transfer between accounts with
legal or signature restrictions. However, an account(s) may be
viewed if you are an authorized signer on the account(s).
10. Limits on Online Banking Transactions
All transactions performed through our Online Service will be
considered a Pre-authorized Electronic Funds Transfer.
11. Our Liability for Failure to Complete Payments or Transfers
If we fail to complete a transaction on time or in the correct
amount, when properly instructed by you, we will be liable for
damages caused by our failure unless:
-
The account has been closed or is
not in good standing.
-
Your equipment or ours was not working
properly and the breakdown should have been apparent to you
when you attempted to conduct the transaction.
-
You have not given us complete, correct or
current account numbers or other identifying information so
that we can properly credit your account or otherwise
complete the transaction.
-
You do not properly follow our
instructions or if you provide us with wrong or inaccurate
information or fail to correct or tell us about any
inaccuracy of which you are aware.
-
You do not instruct us soon enough for
your payment or transfer to be received and credited by the
time it's due.
-
The funds in the account from which a
payment or transfer is to be made is subject to legal
process or other claims restrict the transaction.
-
Circumstances or persons beyond our
control prevent, delay, intercept or alter the transaction,
despite reasonable precautions that we have taken.
-
There are insufficient funds in your
account to complete the transaction.
-
We have reason to believe that the
transaction requested is unauthorized.
-
The failure was caused by an act of God,
fire, or other catastrophe, or by an electrical or computer
failure or by other causes beyond our control.
-
In any case, we shall only be liable for
actual proven damages if the failure to make the
transactions resulted from a bona fide error despite our
procedures to avoid such error.
12. Change of Terms
We reserve the right to amend or terminate the services offered
from time to time and we will notify you a minimum of 30 days
prior to any change by written notice to your last known
address.
13. Waiver of Agreement
Any waiver of any term of this Agreement by us on occasion will
not prevent us from asserting our rights to these terms in the
future.
14. Termination
We will disclose information about your account or the
transactions you make to third parties:
Where it is necessary to complete transactions.
To verify the existence and standing of your account with us
upon the request of a third party, such as a credit bureau.
In accordance with your written permission.
In order to comply with court orders or government or
administrative agency summonses, subpoenas, orders, examinations
and escheat reports.
And/or on receipt of certification from a federal agency or
department that a request for information is in compliance with
the Right to Financial Privacy Act of 1978.
15. Our Policy and Pricing Guide and Terms and Conditions on
Deposit Accounts are available at our banking office upon
request.
A FULL SERVICE BANK - ACCOUNTS INSURED TO $250,000.00 BY FDIC
through December 31, 2009.
Little Horn State Bank is participating
in the FDIC’s Transaction Account Guarantee Program. Under
that program, through December 31, 2009, all
noninterest-bearing transaction accounts (accounts earning
.50% or less) are fully guaranteed by the FDIC for the
entire amount in the account. Coverage under the Transaction
Account Guarantee Program is in addition to and separate
from the coverage available under the FDIC’s general deposit
insurance rules.
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