• Make transfers between your qualifying
accounts to the extent authorized;
• Obtain information that we make
available about your qualifying accounts;
• Obtain other services or perform other
transactions that we authorize.
You must have enough money or credit in
any account from which you instruct us to make a payment or transfer.
You also agree to the Terms & Conditions of your
deposit account that you received when you opened your deposit account.
Your Internet Banking payments and transfers will be
indicated on the monthly or quarterly statements we provide. Please notify us
promptly if you change your address or if you believe there are any errors or
unauthorized transactions on any statement, or statement information.
UNAUTHORIZED TRANSACTIONS OR LOSS OF THEFT OF YOUR
INTERNET BANKING ID OR PIN
If you believe that your Internet
Banking ID or PIN or other means of access have been lost or stolen, or that
someone has used them without your authorization, call us immediately at
501-676-3106 during normal business hours. After hours you may e-mail us at
email@example.com, or write us at First State Bank, 101 S. Center St.,
Lonoke, AR 72086.
Immediately contacting us by phone is the best way of reducing your possible
losses, since not all e-mail may arrive at their destinations. We will then send
an e-mail back to you as confirmation that we did receive it. Because e-mail is
not secure, do not include any of your account or social security numbers with
your e-mail. Your name, address, and a brief message as to what the problem
might be is all we will need. If you have given someone your Internet Banking ID
and PIN or other means of access and want to terminate that person's authority,
you must change your identification number and password or other means of access
or take additional steps to prevent further access by such person.
You may terminate your Internet Banking Agreement at any time
upon giving First State Bank written notice of the termination. If you terminate
your online banking, you authorize us to continue making transfers you have
previously authorized until we have had a reasonable opportunity to act upon
your termination notice. Once we have acted upon your termination notice, we
will make no further transfers or payments from your Internet Banking Account.
If we terminate your use of Internet Banking Account, we reserve the right to
make no further transfers of payments from your account, including any
transactions you have previously authorized.
You are responsible for all transfers you authorize using the
Internet Banking services under this agreement. If you permit other persons to
use your Access Code, you are responsible for any transactions they authorize or
conduct on any of your accounts. However, tell us at once if you believe anyone
has used your Access Code and accessed your accounts without your authority.
Telephoning is the best way of keeping your possible losses down.
For Internet Banking transactions, if you tell us within 2
business days, you can lose no more than $50 if someone accessed your account
without your permission. If you do not tell us within 2 business days after you
learn of the unauthorized use of your account or Access Code, and we can prove
that we could have prevented the unauthorized transaction if you had told us in
time, you could lose as much as $500 or more. Your liability for unauthorized
loan transactions through the Internet Banking service will not exceed $50.00.
If your statement shows Internet Banking transfers that you
did not make, please tell us at once. If you do not tell us within sixty (60)
days of the mailing date of your statement, you may be liable for the full
amount of the loss if we can prove that we could have prevented the unauthorized
transactions if you had told us in time. Should some emergency (such as extended
travel or hospitalization) prevent you from contacting us, a reasonable
extension of time will be allowed.
Limitation of Liability for
Internet Banking Services
If we do not complete a transfer to or from your consumer
account on time or in the correct amount according to our agreement with you;
our sole responsibility for an error in a transfer will be to correct the error.
You agree that neither we nor the service providers shall be responsible for any
loss, property damage or loss, whether caused by the equipment, software,
First State Bank, or by Online browser providers such as Netscape (Netscape
Navigator browser) and Microsoft (Microsoft Internet Explorer browser), or by
Internet access providers or by online service providers or by an agent or
subcontractor of any of the foregoing. Neither we nor the service providers will
be responsible for any direct, indirect, special or consequential economic or
other damages arising in any way out of the installation, download, use, or
maintenance of the equipment, software, the First State Bank Internet Banking
services or Internet Browser or access software. In this regard, although we
have taken measures to provide security for communications from you to us via
the First State Bank Internet Banking Services and may have referred to such
communication as "secured," we cannot and do not provide any warranty or
guarantee of such security. In states that do not allow the exclusions or
limitation of such damages, our liability is limited to the extent permitted by
Additionally, First State Bank will not be liable for
a. If, through no fault of ours, you do not
have enough money in your account to complete a transaction, your account is
inactive or closed, or the transaction amount would exceed the credit limit on
your line of credit.
b. If you used the wrong Access Code or you have not
properly followed any applicable computer, Internet, or First State Bank user
instructions for making transfer and bill payment transactions.
c. If your computer fails or malfunctions or the Internet
Banking service was not properly working and such problem was or should have
been apparent when you attempted such transaction.
d. If, through no fault of ours, a bill payment or funds
transfer transaction does not reach a particular creditor and a fee, penalty, or
interest is assessed against you.
e. If circumstances beyond our control (such as fire,
flood, telecommunications outages or strikes, equipment or power failure)
prevent the transaction.
f. If the funds in your account are subject to legal
process or other claim, or if your account is frozen because of a delinquent
loan, overdrawn account, or suspected fraud.
g. If the error was caused by a system beyond the
Bank's control such as a telecommunications system, or Internet service
h. If you have not given the First State Bank complete,
correct, or current information so First State Bank can process a transaction.
Billing Errors- In case of errors or questions about your
Internet Banking transactions, telephone us at the phone numbers or write us at
the address set forth above as soon as you can. We must hear from you no later
than sixty (60) days after we sent the first statement on which the problem
a. Tell us your name and account number.
b. Describe the transaction you are unsure about, including
the transaction confirmation or reference number if applicable, and explain as
clearly as you can why you believe it is an error or why you need more
c. Tell us the dollar amount of the suspected error.
The following two paragraphs apply only to consumer accounts
(an account belonging to a natural person and used primarily for personal,
family, or household purposes):
If you tell us orally, we may require that you send us your
complaint or question in writing within ten (10) business days. We will notify
you with the results of our investigation within ten (10) business days after we
hear from you and will correct any error promptly. For errors related to
transactions occurring within thirty (30) days after the first deposit to the
account (new accounts); we will tell you the results of our investigation within
twenty (20) business days. If we need more time, however, we may take up to
forty-five (45) days to investigate your complaint or question (ninety (90)
calendar days for new account transaction errors, or errors involving
transactions initiated outside the United States). 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 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 ten (10) business days, we
may not re-credit your account.
If we decide after our investigation that an error did not
occur, we will deliver (or mail to you) an explanation of our findings within
three (3) business days after the conclusion of our investigation. If you
request, we will provide you copies of documents (to the extent possible without
violating other members' rights to privacy) relied upon to conclude that the
error did not occur.
First State Bank
will never contact any
customer and request electronic banking credentials.
If you get a call asking for your credentials, hang up and call us!
If you are a
First State Bank commercial online banking customer we
suggest you periodically evaluate the possible risks to your account.
Some key areas to check are:
Who has access to the
internet banking PC and credentials?
Is (Are) the internet
banking PC or PCs secured after normal business hours?
Do you have up to date
antivirus and antimalware software on the PC?
How often do you change the
internet banking password and who knows the password?
Is there a firewall active
on your PC?
Reduce the Risk in Internet
your Web browser:
When you surf, hundreds of data points are being collected
by the sites you visit. These data get mashed together to form an integral part
of your “digital profile,” which is then sold without your consent to companies
around the world. By blocking cookies to
most sites you’ll prevent some of the data collection about you. Yes, you’ll
have to enter passwords more often, but it’s a smarter way to surf.
For online banking at First State Bank you will have to allow cookies since
the system uses an encrypted cookie to keep your session active while logged on.
The cookie is deleted when you log off or after a short period of
Don’t put your full birth
date on your social-networking profiles:
thieves use birth dates as cornerstones of their craft. If you want your friends
to know your birthday, try just the month and day, and leave off the year.
Don’t download Facebook apps
from outside the United States:
Apps on social
networks can access huge amounts of personal information. Some unscrupulous or
careless entities collect lots of data and then lose, abuse, or sell them. If
the app maker is in the U.S., it’s probably safer, and at least you have
recourse if something should ever go wrong.
Use multiple usernames and
Keep your usernames and
passwords for social networks, online banking, e-mail, and online shopping all
separate. Having distinct passwords is not enough nowadays: if you have the same
username across different Web sites, your entire romantic, personal,
professional, and e-commerce life can be mapped and re-created with some simple
Problems, Concerns, or something doesn’t look right?
Call us at