Change Online Banking
ONLINE BANKING AGREEMENT AND DISCLOSURE STATEMENT
Please Note: To initiate the application process please read the following disclosure carefully and then click the "I Agree" button at the bottom to advance to the online application.
You must be an owner/co-owner for all personal accounts in which you are requesting access; or you must be an authorized signer for non-personal accounts in which you are requesting access.
The purpose of this Disclosure Statement is to inform you of the terms and conditions that apply when you use NetTeller, our Online Banking service. These terms and conditions are in addition to those that apply to any accounts you have with us or any other services you obtain from us. This is a limited disclosure and at the time of contract you will receive a full disclosure of terms conditions and fees pertaining to electronic transactions. Please refer to the full disclosure for stop payment procedures and error resolution rights.
We will disclose information to third parties about your account or the transfers that you make as permitted by law.
In this statement the words "you" and "your" refer to each person who establishes or is authorized to use NetTeller services.
IDENTIFICATION NUMBER AND PASSWORD
Access to NetTeller requires a unique identification number established by us together with a password. Anyone to whom you give your NetTeller identification number and password will have full access to your accounts.
You, or someone you have authorized by giving them your NetTeller identification number and password, can conduct the following transactions:
BILL PAY SERVICES
If selected, you have the ability to pay your bills through our NetTeller Bill Pay service. It is required that you have at least one checking account with us. Savings accounts are not eligible for NetTeller Bill Pay service. You, or someone you have authorized by giving them your NetTeller identification number and password, can instruct us to perform the following transactions:
The minimum amount of a payment is $0.01 and the maximum payment amount of $9,999.99. Payments entered before 12:00pm Monday through Friday will be processed. Payments made after 12:00pm Monday thru Friday or on a weekend or holiday will be processed on the next business day. Payments will be sent either electronically or by check. Payments must be sent in adequate advance of the payees requested due date. You agree Bank of Ripley is not liable for any service fees or late charges levied against you. You also agree that you are responsible for any loss or penalty that you may incur due to lack of sufficient funds (NSF fee $22.50).
LIMITS ON NETTELLER TRANSACTIONS
Transfers from a money market deposit account to another account, or to third parties by preauthorized, automatic, or telephone transfers are limited to six per month or statement cycle with no more than three by NetTeller electronic payments to third parties.
Transfers from a savings account to another account by preauthorized, automatic or telephone transfers are limited to six per month or statement cycle.
Transfers from a money market to another account or to third parties by preauthorized, automatic, telephone or electronic means will be accessed a service charge after the sixth (6th) withdrawal per month or statement cycle.
Transfers from a savings account to another account
by preauthorized, automatic or telephone transfer will be accessed
a service charge after the third withdrawal in a calendar quarter.
NetTeller service is generally available 24 hours a day, 7 days a week. However, we only process transactions and update information on business days. Our business days are Monday through Friday. Transfers made after 5:00pm will be processed on the next business day. Holidays are not included.
E-statement Delivery is available through NetTeller Online Banking. Please see the E-statement tab for enrollment. If selected, you agree to accept your statements via email rather than via the postal service of all accounts listed on the application. E-Statment Delivery will deliver a monthly or quarterly statement notice via email. You must have a valid email address on file with us or this service will be unavailable or discontinued.
OBLIGATIONS OF THE BANK
If we do not complete a payment or transfer on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance:
UNAUTHORIZED TRANSACTIONS OR LOSS OR THEFT OF YOUR NETTELLER INDENTIFICATION OR PASSWORD
If you believe your NetTeller identification number or password have been lost or stolen or that someone has used them without your authorization, immediately change your NetTeller codes. Contact us immediately by writing, calling or emailing us at:
Bank of Ripley/Bank of Tipton
Include in the message your name, address, phone number and a brief description of the problem. Do not include your account numbers or your Social Security number with your email.
Transactions conducted through NetTeller will be reflected immediately online. We will send you a statement monthly of your checking account by means of mail or Internet Statement Delivery. This statement will reflect transactions or charges (not limited to electronic transfers or online services or transactions) which occur during the month. You will receive a statement on your savings account for any month in which there is EFT activity. Should you not have any EFT transfers, your savings account statement will be rendered on a quarterly basis and sent by mail or Internet Statement Delivery.