1. Introduction
This 24/7 Online Banking Agreement and Disclosure governs your
use of 24/7 Online Banking. Throughout this document, the Agreement
and Disclosure will be referred to as “Agreement”. By using 24/7
Online Banking, you agree to all of the terms of this Agreement.
Please read it carefully and retain a copy for your records.
2. The Service
In consideration of the 24/7 Online Banking services (“Services”)
to be provided by 1st Community Bank (“Bank”), “Customer”, “You”,
“Your”, refers to the person(s) subscribing to or using the Service.
“We”, “Us”, “Our”, refers to 1st Community Bank and any agent,
independent contractor, designee, or assignee 1st Community Bank may
involve in the provision of 24/7 Online Banking. “Business Day”
refers to any calendar day other Saturday, Sunday, or any holidays
recognized by 1st Community Bank.
3. Privacy Policy
As a 1st Community Bank customer, you provide us with personal
and financial information. We believe it is our responsibility to
safeguard this important information. While some financial
institutions share customer information with other businesses, 1st
Community Bank is committed to keeping it confidential.
To ensure you the confidentiality you deserve, we have developed
the following privacy policy. It is our pledge to you that we will
adhere to these guidelines.
The Information That We Collect
We collect nonpublic personal information about you from the
following sources:
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Information we receive from you on applications or other forms;
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Information about your transactions with us or others; and
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Information from a consumer reporting agency.
Information We Disclose About You
We do NOT disclose any nonpublic personal information about you to
anyone, except as permitted by law.
Nonpublic Personal Information and Former Customers
If you decide to close your account(s) or become an inactive
customer, we will adhere to the privacy policies and practices as
described in this notice.
The Confidentiality, Security, and Integrity of Your Nonpublic
Personal Information
We restrict access to your personal and account information to those
employees who need to know that information to provide products and
services to you. We maintain physical, electronic, and procedural
safeguards that comply with federal standards to guard your
nonpublic personal information.
4. Your User Code and Password
Each individual who has access to 24/7 Online Banking, including
each individual named on joint accounts, must designate a User Code
and a Password. Your Password must be a minimum of 8 characters. It
must have at least 2 numeric characters and 2 alpha characters and
it is case sensitive. For example, your Password may be Banker12.
You will be given a temporary Password to access the system the
first time. Upon logging in for the first time you will be prompted
to change your Password immediately. You will be required to change
your Password every 6 months. If you leave your 24/7 Online Banking
session and do not log out manually, you will automatically be
logged out after 10 minutes and will need to enter your User Code
and Password again to regain access to the system. If there are 3
consecutive failed log-in attempts to 24/7 Online Banking, the user
will be locked out of the system and will need to call 1st Community Bank to regain access to the system.
5. Internet Security
1st Community Bank is pleased to offer internet banking.
Delivering these services requires a solid security framework that
protects you and our institution’s data from outside intrusion. We
are committed to working with our internet service and
communications providers to produce the safest operating environment
possible for our customers. The information below summarizes our
security framework which incorporates the latest proven technology.
A section at the end also summarizes your responsibilities as a user
of the internet banking system with regard to security. There are
several levels of security within our security framework. User Level
deals with cryptography and Secure Sockets Layer (SSL) protocol, and
is the first line of defense used by all customers accessing our
Banking Server from the public internet. Server Level focuses on
firewalls, filtering routers, and our trusted operating system. Host
Level deals specifically with our internet banking services and the
processing of secure financial transactions.
User Level
There are several components of User Level security that ensure the
confidentiality of information sent across the public internet. The
first requires your use of a fully SSL-compliant 128 bit encrypted
browser such as Microsoft Internet Explorer or Netscape Navigator.
SSL is an open protocol that allows a user’s browser to establish a
secure channel for communicating with our internet server. SSL
utilizes highly effective cryptography techniques between your
browser and our server to ensure that the information being passed
is authentic, cannot be deciphered, and has not been altered en
route. SSL also utilizes a digitally signed certificate which
ensures that you are truly communicating with the 24/7 Online
Banking Server and not a third party trying to intercept the
transaction.
After a secure connection has been established between your
browser and our server, you then provide a valid User Code and
Password to gain access to the services. This information is
encrypted, logged by the server forming another complete physical
security layer to protect the server’s information, and a request to
log on to the system is processed. Although SSL utilizes proven
cryptography techniques, it is important to protect your User Code
and Password from others. You must follow the Password parameters we
specify at the time you sign up for 24/7 Online Banking. We also
require changing your Password every 6 months. Session time-outs and
a limit on the number of logon attempts are examples of other
security measures in place to ensure that inappropriate activity is
prohibited at the User Level.
Server Level
All transactions sent to our Banking Server must first pass through
a filtering router system. These filtering routers automatically
direct the request to the appropriate server after ensuring the
access type is through a secured browser and nothing else. The
routers verify the source and destination of each network packet and
manage the authorization process of letting packets through. The
filtering routers also prohibit all other types of internet access
methods at this point. This process blocks all non-secured activity
and defends against inappropriate access to the server. The Banking
Server is protected using the latest firewall platform. This
platform defends against system intrusions and effectively isolates
all but approved customer financial requests. The platform secures
the hardware running the online applications and prevents associated
attacks against all systems connected to the Banking Server. The
system is monitored 24 hours a day, seven days a week for a wide
range of anomalies to determine if attempts are being made to breach
our security framework.
Host Level
Once authenticated, the customer is allowed to process authorized
internet banking transactions using host data. In addition,
communication timeouts ensure that the request is received,
processed, and delivered within a given timeframe. Any outside
attempt to delay or alter the process will fail. Further password
encryption techniques are implemented at the host level, as well as
additional security logging and another complete physical security
layer to protect the host information itself.
User Responsibilities
While our service provider continues to evaluate and implement the
latest improvements in internet security technology, users of 24/7
Online Banking also have responsibility for the security of their
information and should always follow the recommendations listed
below:
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Utilize the latest 128 bit encryption version of either Microsoft
Internet Explorer or Netscape Navigator. 24/7 Online Banking is best
viewed and is most secure when you use one of these two browsers, as
they are both certified for use at our site.
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Your Password must be kept confidential. You must follow our
specific parameters for a Password and change it at least every 6
months to ensure that the information cannot be guessed or used by
others. Be sure others are not watching you enter information on the
keyboard when using the system.
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Never leave your computer unattended while logged on to 24/7
Online Banking. Others may approach your computer and gain access to
your account information if you walk away.
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Click Exit when you are finished using the system to properly end
your session. Once a session has been ended, no further transactions
can be processed until you log on to the system again.
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Close your browser when you are finished so that others cannot
view any account information displayed on your computer.
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Keep your computer free of viruses. Use virus protection software
to routinely check for a virus on your computer. Never allow a virus
to remain on your computer while accessing the 24/7 Online Banking
system.
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Report all crimes to law enforcement officials immediately.
When you follow these simple security measures, your interaction
with 24/7 Online Banking will be completely confidential. We look
forward to serving your online banking needs both today and into the
future – securely!
6. Equipment
You are solely responsible for the equipment (including, in the
case of 24/7 Online Banking, your personal computer and software)
you use to access the Services. We are not responsible for errors or
delays or your inability to access the Services caused by your
equipment. We are not responsible for the cost of upgrading your
equipment to stay current with the Services nor are we responsible,
under any circumstances, for any damage to your equipment or the
data resident thereon.
7. Virus Protection
1st Community Bank is not responsible for any electronic virus or
viruses that you may encounter. We encourage our customers to
routinely scan their personal computer and diskettes using a
reliable virus product to detect and remove any viruses. Undetected
or unrepaired viruses may corrupt and destroy your programs, files,
and even your hardware. Additionally, you may unintentionally
transmit the virus to other computers.
8. Business Days/Hours of Operation
Our lobby hours are 9:00–4:00 pm Monday, Tuesday, and Thursday;
Wednesday, 9:00-12:00 pm; Friday, 9:00-4:30 pm; and Saturday,
8:00-12:00 pm. Everyday is a business day, except for Saturdays,
Sundays, and 1st Community Bank holidays. Our policy is to make
funds available to you on the same day we receive your
deposit/transfer. However, 24/7 Online Banking transactions have a
cutoff time of 6:00 pm CST. If you conduct an internet transaction
before 6:00 pm CST on Monday through Friday on a business day that
we are open, we will consider that day to be the day of your
transaction. However, if you conduct a transaction after 6:00 pm CST
on Monday through Friday or on a day we are not open, we will
consider the transaction to be made on the next business day we are
open. You are free to schedule internet transfers/payments 24 hours
a day, seven days a week with 24/7 Online Banking, except during
maintenance periods.
9. Notice of Your Rights and Liabilities
Security of your transactions is important to us. Use of the
Services therefore requires a Password. If you lose or forget your
Password, please call 309-582-3531 or 309-593-2117 during normal
business hours listed above. We may accept as authentic any
instructions given to us through the use of your Password. You agree
to keep your Password secret and to notify us immediately if your
Password is lost or stolen or if you believe someone else has
discovered your Password. You agree that if you give your Password
to someone else, you are authorizing them to act on your behalf, and
we may accept any instructions they give us to make transfers or
otherwise use the Services. 24/7 Online Banking enables you to
change your Password and we require that you do so regularly. We may
be liable for certain security breaches to the extent required by
applicable law and regulation. We do not assume any other liability
or otherwise guarantee the security of information in transit to or
from our facilities. Please note that we reserve the right to (1)
monitor and/or record all communications and activity related to the
Services; and (2) require verification of all requested transfers in
the manner we deem appropriate before making the transfer (which may
include written verification by you).
You agree that our records will be final and conclusive as to all
questions concerning whether or not your Password was used in
connection with a particular transaction. If any unauthorized use of
your Password occurs you agree to (1) cooperate with us and
appropriate law enforcement authorities in identifying and
prosecuting the perpetrator; and (2) provide reasonable assistance
requested by us in recovering any unauthorized transfer of funds.
Notify us immediately if you believe your Password has been lost
or stolen. Telephoning is the best way to keep your possible losses
down. You could lose all of the money in your account (plus your
maximum line of credit). If you tell us within 2 business days you
can lose no more than $50.00. If you do NOT tell us within 2
business days after you learn of the loss or theft of your Password,
and we can prove we could have stopped someone from using your
Password without your permission if you had told us, you could lose
as much as $500.00. Also, if your statement shows transfers that you
did not make, tell us at once. If you do not tell us within 60 days
after the statement was mailed to you, you may not get back any
funds you lost after the 60 days if we can prove that we could have
prevented someone from taking the funds if you had told us in time.
If you believe your Password has been lost or stolen or that someone
has transferred or may transfer money from your account without your
permission, call 309-582-3531 or 309-593-2117 during normal business
hours listed above. WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN
PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL.
10. Errors and Questions
In case of errors or questions about your electronic transfers
call us at 309-582-3531 or write us at:
1st Community Bank
PO Box 147
Aledo, IL 61231-0147
Notify us immediately if you think your statement or receipt is
wrong or if you need more information about a transaction 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
first appeared.
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Tell us your name and account number.
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Describe the error or the transfer you are unsure about and
explain as clearly as you can why you believe it is an error or why
you need more information.
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Tell us the dollar amount of the suspected error.
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 (20 business days for new accounts) 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 for new accounts, point-of-sale, or
foreign-initiated transfers) to investigate your complaint or
question. If we decide to do this, we will credit your account
within 10 business days (20 business days for new accounts) for the
amount you think is in error so that you will have 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
for 30 days after the first deposit is made, if you are a new
customer.
We will tell you the results within 3 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.
11. Termination
If you wish to terminate your access to the Services, call us at
309-582-3531. After receipt of your call, we will send you a written
termination authorization for your signature and return to us.
Recurring transfers will not necessarily be discontinued because you
terminate access to the Services. We reserve the right to terminate
the Services, in whole or in part, at any time with or without cause
and without prior written notice. In that event, or in the event
that you give us a termination notice, we may (but are not obligated
to) immediately discontinue making previously authorized transfers,
including recurring transfers and other transfers that were
previously authorized but not yet made. We also reserve the right to
temporarily suspend the Services in situations deemed appropriate by
us, in our sole and absolute discretion, including when we believe a
breach of system security has occurred or is being attempted. We may
consider repeated incorrect attempts to enter your User Code and/or
Password as an indication of an attempted security breach.
Termination of the Services does not affect your obligations under
this Agreement with respect to occurrences before termination.
12. Limitation of Liability
Except as otherwise provided in this Agreement or by law, we are
not responsible for any loss, injury, or damage, whether direct,
indirect, special, or consequential, caused by the Service or the
use thereof or arising in any way out of the installation,
operation, or maintenance of your personal computer equipment.
13. Waivers
No waiver of the terms of this Agreement will be effective,
unless in writing and signed by an officer of this Bank.
14. Assignment
You may not transfer or assign your rights or duties under this
Agreement.
15. Governing Law
The laws of the State of Illinois shall govern this Agreement and
all transactions hereunder. Customer acknowledges that he/she has
reviewed this Customer Agreement, understands the terms and
conditions set forth herein, and agrees to be bound hereby.
16. Indemnification
Customer, in consideration of being allowed access to the
Services, agrees to indemnify and hold the Bank harmless for any
losses or damages to the Bank resulting from the use of the
Services, to the extent allowed by applicable law.
17. Security Procedures
By accessing the Services, you hereby acknowledge that you will
be entering a protected web site owned by the Bank, which may be
used only for authorized purposes. The Bank may monitor and audit
usage of the System, and all persons are hereby notified that use of
the Services constitutes consent to such monitoring and auditing.
Unauthorized attempts to up-load information and/or change
information on these websites are strictly prohibited and are
subject to prosecution under the Computer Fraud and Abuse Act of
1986.
I agree to all of the
terms and conditions of 1st Community Bank’s 24/7 Online Banking
Agreement and Disclosure and would like access to my account
information online at
www.1stcommunitybanks.com
