Retail Online Banking Agreement
Terms & Conditions
This Agreement describes the rights and obligations of you as a user of the Retail Online Banking Service ("Service" or "Services") as well as those of Community State Bank. Please read this Agreement carefully. As an authorized deposit account holder you must abide by the terms and conditions of this agreement, and those provided to you at account opening, in order to use this Service.
Protecting the privacy of our clients is important to Community State Bank. We encourage you to review our Privacy Disclosure.
CUSTOMER DISCLOSURE AND AGREEMENT TO RECEIVE ELECTRONIC COMMUNICATIONS
By selecting the "I Accept" button below, you are (1) acknowledging your receipt of the information listed below, (2) agree that any contract you enter into with Community State Bank for the provision of certain Online Banking Services, may be in electronic form, and (3) agree that certain information that may be delivered in connection with the Services may also be in electronic form.
You are also acknowledging receipt of the following information and agree that:
If you wish to withdraw consent to receive information electronically, to terminate the Services, or to update your information such as a change of address, or email address, you may write Community State Bank a letter and send it to:
Community State Bank Attention: Deposit Operations
PO Box 8
Orbisonia, Pa. 17243-0008
The following definitions apply in this Agreement.
"Online Banking" is the Internet-based service providing access to your account(s) under the terms set forth in this Online Banking Terms and Conditions Agreement.
"Online Account" is a Community State Bank account from which you will be conducting transactions using a Service. "Business Day" refers to Monday through Friday, excluding holidays as determined by Community State Bank. All Online transaction requests received after 5:00 p.m. Eastern Time, or on a non-Business Day, will be processed immediately, but will not appear in the online history until the following Business Day.
"Password" is a series of numbers and letters that you select after the initial sign-on, which establishes your connection to the Service.
"Time of day" references are to Eastern Time.
"We," "us," "our," or "Community State Bank, " refer to Community State Bank, which offers the Services provided under this Agreement and holds the accounts accessed by the Services.
HOURS OF OPERATION
The Services are generally available 24 hours, 7 days a week, except during special maintenance, upgrade periods or conditions not controlled by us. You expressly agree to waive any claims related to any interruption in availability of the Services.
To use the Service, you will need to provide, at your own expense, a computer or other Internet access device, software and necessary telephone lines, Internet or other connections and equipment as needed to access the Service (collectively referred to here as the "Computer"). You are responsible for the installation, maintenance and operation of the Computer.
Your Internet or other web browser software must support a minimum 128-bit SSL encryption or other security measures as we may specify from time to time. We are not responsible for any errors or failures caused by any malfunction of the Computer, and we are not responsible for any virus or related problems that may be associated with the use of the Service, the Computer or other Internet access, including but not limited to any virus, trojan horse, worm, keystroke logger, rootkit, spyware, dishonest adware, crime ware and other malicious and unwanted software or related problems that may be associated with access to or use of the Service or the Computer. We recommend that you routinely scan the Computer using reliable virus protection products, and to remove any viruses found using such products. You are responsible for all Internet service provider, telephone and other similar charges incurred in connecting to the Service. From time to time, we may require that you upgrade or install software to the Computer to ensure the proper operation of the Service. You agree to promptly load any such upgrades or additional installations upon our notice to you.
USE OF YOUR SECURITY PASSWORD
The safety of our customers' accounts and account information is of importance to Community State Bank. We go to great lengths to protect confidentiality and the security of your account, and urge you to do the same. You, agree not to allow anyone to gain access to the Services or to let anyone know your Password used with the Services. You agree to assume responsibility for all transactions initiated through the Services with your Community State Bank Access ID, up to the limits allowed by applicable law. While Community State Bank continues to provide our customers with the level of online security we believe necessary and appropriate, customers who share their Access IDs and Passwords are giving up the full benefit of our security measures and legal protections to which they may be entitled. No Community State Bank representative will ever call and ask for your Access ID or Password. Cybersecurity measures are in place that will identify and thwart fraudulent login attempts by analyzing your user history & device locations among other things. This could result in your account being locked out or a One Time Passcode needing entered to proceed.
IF YOUR PASSWORD HAS BEEN LOST OR STOLEN
If your Password has been lost or stolen, call Community State Bank immediately at 866-874-5552, between 8:30 a.m. and 5:00 p.m. Monday, Tuesday, Thursday; 8:30 a.m. and 6:00 p.m. Friday; 8:30 a.m. to 3:00 p.m. Wednesday and 8:30 a.m. to 12:00 p.m. on Saturday. Telephoning Community State Bank is the best way of minimizing your losses. You may also restore the security of your Service by immediately changing your Password.
Your enrollment in Community State Bank Online Banking and/or Mobile Banking (the "Service") includes enrollment to receive transaction alerts and notifications ("Alerts"). Alerts are electronic notices from us that contain transactional information about your Community State Bank account(s). Alerts are provided within the following categories:
Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts though your mobile device. We may add new Alerts from time to time, or cancel old Alerts. We usually notify you when we cancel Alerts, but are not obligated to do so. Community State Bank reserves the right to terminate its Alerts service at any time without prior notice to you.
Methods of Delivery. We may provide Alerts through one or more channels ("EndPoints"): (a) a mobile device, by text message, (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your Community State Bank Online Banking message in-box, by an e-mail message. You agree to receive Alerts through these EndPoints, and it is your responsibility to determine that each of the service providers for the EndPoints described in (a) through (c) above supports the email, push notification, and text message Alerts provided through the Alerts service. Please be advised that text or data charges or rates may be imposed by your EndPoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you Alerts. If your email address or your mobile device's number changes, you are responsible for informing us of that change. Your Alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number.
Alerts via Text Message. To stop Alerts via text message, text "STOP" to 99588 at any time. Alerts sent to your primary email address will be unaffected by this action. To restore Alerts on your mobile phone, just visit the Alerts tab in Community State Bank Online Banking and click the box next to your mobile number for the Alerts you'd like to receive again. For help with SMS text alerts, text "HELP" to 99588. In case of questions please contact customer service at 866-874-5552. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.
Limitations. Community State Bank provides Alerts as a convenience to you for information purposes only. An Alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide Alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any Alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside Community State Bank's control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold Community State Bank, its directors, officers, employees, agents, and service providers liable for losses or damages, including attorneys' fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose.
Alert Information. As Alerts delivered via SMS, email and push notifications are not encrypted, we will never include your passcode or full account number. You acknowledge and agree that Alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your Alerts will be able to view the contents of these messages.
ERRORS AND QUESTIONS
In case of errors or questions regarding an Online Banking transaction, you may call Community State Bank at 866-874-5552 or write a letter and send it to:
Community State Bank of Orbisonia Attention: Deposit Operations
PO Box 8 Orbisonia, Pa.17243
We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we send you the first statement on which the problem or error appeared. We will need:
If the report is made orally, we may require that you send the complaint or question in writing within ten (10) Business Days from your initial contact. We will notify you with the results of the investigation within ten (10) Business Days after you contact us and will correct any error promptly. If more time is needed, however, we may, at our sole discretion, take up to forty-five
(45) calendar days to investigate a complaint or question. If this occurs, we will credit your account within ten (10) Business Days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete our investigation. If your complaint or question is not received in writing within ten (10) Business Days from your original contact, we may not credit your account until the investigation is completed.
If your notice of error concerns a transaction on a new account that occurred during the first 30 days after the first deposit to the account was made, the applicable time periods are 20 Business Days in place of 10 Business Days and 90 calendar days in place of 45 calendar days.
If we determined that no error occurred, we will send you a written notice within three (3) Business Days. You may request copies of the documents that were used in the investigation.
You agree that Community State Bank may respond to you by e-mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by Community State Bank shall be considered received within three (3) Business Days of the date sent by Community State Bank.
LIMIT OF COMMUNITY STATE BANK'S RESPONSIBILITY
Community State Bank agrees to make reasonable efforts to ensure full performance of Online Banking. Community State Bank will be responsible for acting only on those instructions sent through Online Banking, which are actually received, and cannot assume responsibility for circumstances over which the bank has no direct control. This includes but is not limited to, the failure or malfunctions in communication facilities, which may affect the accuracy or timeliness of messages you send. Community State Bank is not responsible for any losses should you give incorrect instructions.
Any information you receive from Community State Bank is believed to be reliable. However, it can only be provided on a best-efforts basis for your convenience and is not guaranteed. Community State Bank is not liable for any deficiencies in the accuracy, completeness, availability, or timeliness of such information, or for any investment or other decision made using this information.
Community State Bank is not responsible for any fees incurred for Internet access, or for any computer virus or related problems that may be attributable to services provided by any Internet access service provider.
You are responsible for obtaining, installing, maintaining, and operating all of your computer hardware and software necessary for performing Online Banking. Community State Bank will not be responsible for any errors or failures from the malfunction or failure of your hardware or software.
The limit of Community State Bank's liability shall be as expressly set forth herein. Under no circumstances will Community State Bank be liable in contract, tort, or otherwise for any special, incidental, or consequential damages, whether or not foreseeable. By consenting to use the Services, you agree to waive any and all right to any of the aforesaid, and you acknowledge that the limit of your remedy is as otherwise expressly set forth herein.
COMMUNITY STATE BANK'S RESPONSIBILITY
Community State Bank will be responsible for your actual losses if they were directly caused by our failure to:
There may be other exceptions stated in this agreement and in other agreements with you. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer, and we will not be liable for any incidental or consequential damages.
If any of the circumstances listed above shall occur, we shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incorrect transactions that have been processed.
ELECTRONIC MAIL (EMAIL)
If you send Community State Bank an electronic mail message through the Service, Community State Bank will be deemed to have received it on the following Business Day. Emails will be answered within a reasonable timeframe.
You should not rely on electronic mail if you need to communicate with Community State Bank immediately (e.g., if you need to report an unauthorized transaction from one of your accounts, or if you need to stop a payment that is scheduled to occur). You agree that Community State Bank may respond to you by electronic mail with regard to any matter related to the Service, including responding to any claim of unauthorized electronic funds transfer that you make. Any such electronic mail sent to you by Community State Bank shall be considered received within three (3) days of the date sent by Community State Bank, regardless of whether or not you sign on to the Service within that time frame.
In addition to this Agreement, you and Community State Bank agree to be bound by and comply with the requirements of the agreements applicable to each of your Online Accounts. Your use of the Online Banking Service is your acknowledgment that you have received these agreements and intend to be bound by them. You should review other disclosures received by you when you open your accounts at Community State Bank, including the charges that may be imposed for electronic funds transfers or the right to make transfers listed in the fee schedules accompanying those disclosures. All terms and conditions of the disclosures provided to you at account opening, including but not limited to, the Truth in Savings, Regulation E Disclosure, Regulation CC Expedited Funds Availability Disclosure, Depositor's Agreement, Privacy Disclosure and Terms and Conditions apply to this Service.
MODIFICATIONS TO THIS AGREEMENT
Community State Bank may modify the terms and conditions applicable to Online Banking from time to time upon mailing or delivering a notice of the modifications to you at the address shown on our account records, and the revised terms and conditions may be effective at the earliest date allowed by applicable law. We may send any notice to you via electronic mail and you will have been deemed to have received it three (3) days after it is sent. We reserve the right to terminate this Agreement and your use of the Services in whole or in part at any time without prior notice.
INACTIVITY/TERMINATION OF ONLINE BANKING PRIVILEGES
You are responsible for complying with all the terms of this Agreement and with the terms of the agreement governing the deposit accounts which you access using electronic banking services. We can terminate your Online Banking privileges under this Agreement without notice to you for any reason; or if you do not pay any fee required by this Agreement when due, if you do not comply with the Agreement governing your deposit or loan accounts, or your accounts are not maintained in good standing.
We may deactivate your online banking account if you do not sign on to the Service or have any transaction scheduled through the Service during any consecutive twelve (12) month period. If your account is deactivated, you must reapply to have the Service activated.
To cancel the Online Banking, you must notify Community State Bank. Your notification should include your name, address and the effective date to stop the service(s). You may notify Community State Bank by one of the following methods:
* By calling 814-447-5552 or 866-874-5552
* By writing a letter and sending it to:
Community State Bank Attention: Online Banking PO Box 8 Orbisonia, Pa. 17243-0008
This Agreement is governed by the laws of the State of Pennsylvania and applicable federal law(s).
Community State Bank offers the benefits and convenience of the Online Banking service to you at no monthly charge. Account research, stop payment charges, and other charges will be assessed at the rates published in Community State Bank's Service Fee Schedule and deducted from an account you hold at Community State Bank.
These fees including monthly charges are subject to change. Community State Bank will notify you in writing regarding any fee changes at least thirty (30) days in advance of the effective date of these changes.
By clicking on AGREE below I authorize any stop payments to be made on my accounts using Online Banking, under the conditions stated below. I also realize that the most current fee for stop payments will apply.
You may use Online Banking to stop payment on a check you have written. You may not use this service to stop payment or revoke the authorization of a preauthorized electronic funds transfer.
I agree to hold Community State Bank harmless for said amount as well as for expenses and costs incurred by said institution in carrying out this order and further agree to hold said institution free of all liability, which has been incurred, or may be incurred as a result of this action. I further agree not to hold said institution responsible should the described check be paid through inadvertence, accident, or oversight, or if by reason of such payment other items drawn by the undersigned are returned insufficient. Each request will be null and void 14 days from date, unless revoked or released.
ELECTRONIC FUNDS TRANSFERS
Transfers of funds and payments you request under this agreement are electronic funds transfer subject to federal regulation and disclosure. Refer to your account agreement and electronic funds disclosure for details.
ERROR RESOLUTION NOTICE
In Case of Errors or Questions about Your Electronic Transfers, Call or Write us at the telephone number or address listed in this disclosure, 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 the FIRST statement on which the problem or error appeared.
We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you 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 point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will 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 within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before the account is opened.
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 we used in our investigation. If you have inquiries regarding your account, please contact us at
Community State Bank PO Box 8
Orbisonia, Pa. 17243-0008
Business Days: Monday, Tuesday, Wednesday, Thursday, and Friday. Holidays are not included.
PHONE: (814) 447-5552 or (866) 874-5552
MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST OR BY VEIWING OUR ELECTRONIC FUNDS TRANSFER DISCLOSURE ON CONTAINED WITHIN THIS WEB SITE.
Community State Bank is a member of FDIC and An Equal Opportunity Lender
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