This Online Banking Agreement (“Agreement”) for accessing your Texas National Bank account(s) via the Internet explains the terms and conditions governing Texas National Bank TNBOnline Banking and other banking services offered through Texas National Bank (collectively, “Online Banking” or “TNB Online Banking”). By using Online Banking you agree to abide by the terms and conditions of this Agreement. This Agreement will be governed by and interpreted in accordance with federal law and regulation, and to the extent there is no applicable federal law or regulation, by the laws of the State of Texas. The terms “our”, “we”, “us”, “Texas National Bank”, and “Bank” refer to Texas National Bank. “You” refers to each signer on an account. The term “business day” means Monday through Friday, excluding Federal banking holidays.
Online Banking can be used to access products and accounts made available by Texas National Bank. Each of your accounts is also governed by the applicable account disclosure statement.
WAIVER OF REQUIREMENT FOR TWO SIGNATURES: Principles recognize that any requirement of verifying two signatures on checks, if such a requirement exists, does not apply to electronic or telephone transfers, including Online bill payments, and release Bank from liability when making such transfers or payments. This means that any person who is authorized to act as a signer on your account shall be authorized by you to individually make electronic or telephonic transfers, including Online bill payments from your account, even though that person’s authority to transfer or withdraw funds from your account by some other means (e.g., by check) must be exercised jointly with one or more other persons.
Notify us at once if you believe another person has improperly obtained your TNBOnline Banking password. Also notify us if someone has transferred or you think someone may transfer money from your account without your permission, or if you suspect any fraudulent activity on your account. To notify us, call Texas National Bank at (903) 586-0931, or write to:
Texas National Bank
300 Neches St.
P.O. Box 710
Jacksonville, TX 75766
A. Your Liability
If your TNBOnline Banking password has been compromised and you tell us within two (2) business days after learning of the loss or theft you can lose up to $50 of the disputed amount, if someone used your password without your permission to access a Texas National Bank deposit account. If you do NOT tell us within two (2) business days after you learn of the loss or theft, and we could have stopped someone from taking money without your permission had you told us, you could lose as much as $500 of the disputed amount. If your monthly statement shows withdrawals, transfers or purchases that you did not make or authorize, you must notify us at once. If you do not notify us within sixty (60) days after the account transaction detail information was transmitted or mailed to you, and we could have stopped someone from taking money if you had told us in time, you may not get back any money lost after the sixty (60) days. If there are extenuating circumstances that kept you from telling us, the time periods in this section may be extended.
B. Preventing Misuse
It is extremely important that you take an active role in the prevention of any wrongful use of your account. If you find that your records do not agree with ours, you must immediately call Texas National Bank at (903) 586-0931. Protect Your Password - The password that is used to gain access to TNBOnline Banking should be kept confidential at all times. For your protection we recommend that you change your password regularly. It is recommended that you memorize this password and do not write it down. You are responsible for keeping your password, account numbers and other account data confidential. If you believe that your password may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, notify Texas National Bank at once.
A. Rights and Procedures to StopPayment by Check
You may issue a stop payment against any check number or range of check numbers. The stop payment will be effective for six (6) months from the date it is created. You may stop a payment through a telephone call to a Customer Service Representative at your local Banking Center. If you request the stop payment by telephone, we may also require you to put your request in writing and submit it to us within 14 days after you call. If we ask for a written request but are not provided it within the 14 day period, the stop payment may be released. We will charge you our regular stop payment fee for each stop payment order you give; this fee will be charged in accordance with the current fee schedule. Do not write or e-mail these requests to us since they may not be received by us in time.
NOTE: There are a number of merchants and businesses which have begun to convert checks into electronic items, which are cleared in an entirely different manner than normal checks. To understand how to stop these items, please see Section B. Rights and Procedures to Stop Payment by ACH Item below. The following information will be required to complete each stop payment request:
B. Rights and Procedures to Stop Payment by ACH Item
The term “Automated Clearing House” is an entity that operates as a clearing house for electronic Debit or Credit entries pursuant to an agreement with an association that is a member of the National Automated Clearing House Association. Items passing through this system of dispersement and collection are referred to as ACH items.
We ask you to come into one of our Banking centers, where an affidavit will be required to stop any ACH item. We will require the name of the company, the amount and scheduled date of the transaction. All of this information should be provided in a timely manner so Texas National Bank may be prepared for the transaction. TNBOnline Remote Banking Services may not be used to stop ACH items.
A. Failure to Make Stop Payments
If you order us to stop one of these payments according to the limitations listed above in Section 3 and we do not do so, we will be liable for your losses or damages up to the value of the payment.
B. Failure to Make Transfers
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages up to the value of the transfer. However, there are some exceptions. We will not be liable, for instance:
To access your account(s) through the Internet, you must have Internet access, have an eligible Texas National Bank account, enroll in TNBOnline Banking by agreeing to the Internet Account Access Agreement, and have an Internet password. In addition, you will need the required secure, Internet browser software as defined by the Bank.
B. New Services
Texas National Bank may, from time to time, offer and introduce new Internet services. The Bank will notify you of the existence of these new products and services. By using these services when they become available, you agree to be bound by the rules, which will be communicated to you, concerning these services.
TNBOnline Banking with iPay is offered as a free service to our customers; however, there are additional features and services, such as, but not limited to Business Banking, Stop Payments, etc., the use of which may incur fees. In most cases, you will be warned by the service when your requested action has associated fees and allowed an opportunity to agree to the fees or cancel the transaction. In those cases where immediate notification is not feasible, the fee structure will have been outlined expressly in the appropriate section of this Online Banking Agreement, your application for a particular service, or our published fee schedule.
The first time you access your Texas National Bank account(s) through the Internet confirms your agreement to be bound by all of the terms and conditions of this Agreement and acknowledges your receipt and understanding of this disclosure.
A. Your User Name and Internet Password
You will be given an initial Internet password for TNBOnline Banking. The first time you access your Texas National Bank account(s) you will be forced to select a new password. We recommend that you change your password regularly. Do not use numbers that are easily associated with you, such as your telephone number, address or birth date as your password. You are authorizing Texas National Bank to act on instructions received under your login name and password. You are responsible for keeping your user name, password, account number(s) and other account data confidential at all times. Texas National Bank will not, at any time, ask for your Internet password. If anyone calls and requests this information do NOT give it to them and contact the bank immediately.
B. Our Liability
Except as specifically provided for in this Agreement or where the law requires a different standard, you agree that neither the bank nor its Internet Service Provider shall be responsible for any loss, property damage or bodily injury, whether caused by the bank, equipment, software, or Internet access providers or any agent or subcontractor of any of the foregoing. Nor shall the bank or its Internet Service Providers be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way from the installation, use or maintenance of the equipment, software or Internet browser or access software.
C. Changes to Fees or Other Terms
We reserve the right to change the fees or other terms described in this Agreement. However, when changes are made to any fees, we will notify you on-line, or will send a notice to you at the address shown on our records. All notices will be sent at least thirty (30) days in advance of the effective date of the change, unless an immediate change is necessary to maintain the security of the system. If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with written or electronic notice within thirty (30) days in advance of the change. By continuing to use the accounts or services to which these changes relate, or are accepting the changes. Changes to fees applicable to specific accounts are governed by the applicable Account Disclosure Statement.
D. Disclosure of Account Information
You authorize the Bank to disclose to selected third parties about your account or the transactions you make:
E. Other General Terms
In addition to this Agreement, you agree to be bound by and will comply with the requirements of the applicable Account Disclosure Statement, the Bank’s rules and regulations, the rules and regulations of any funds transfer system to which the Bank belongs, and all applicable State and Federal laws and regulations. The Bank also agrees to be bound by them. The Bank reserves the right to terminate this Agreement and your access to Online Banking in whole or in part, at any time without prior notice.
The Internet is a global network to telecommunications links allowing computers to exchange data with other computers. You understand Texas National Bank is providing TNBOnline Banking as a free service to customers who have access to the Internet. Connectivity to the Internet is a requirement of TNBOnline Banking and can be purchased from an assortment of public and private companies. You agree to be responsible for providing your own connection to the Internet and will be responsible for any fees related to your Internet connection.
iPay allows you to schedule payment on one-time or periodic bills. You can arrange for the payment of single-instance and recurring bills from your Texas National Bank checking account. There is no limit to the number of payments that may be authorized. You may pay any merchant or individual who will accept a check. By furnishing us with the names of your payees/merchants and their addresses, you authorize us to follow the payment instructions you provide through TNBOnline Banking.
The term “Payment Date” means the date on which the iPay was scheduled by you to be issued. The term “Production Date” means the business day on which the payment will be produced and mailed. The term “nightly processing” means an indeterminate period of time beginning about 7 p.m. Central Time each business day during which external transactions are processed. The Payment Date and the Production Date are generally the some day; however, if the Payment Date does not occur during a business day, or if - during or after nightly processing - you attempt to schedule a Payment Date for the very next business day or any earlier non-business day, the Production Date could be delayed as many as two business days. Each business day, nightly processing produces items you have scheduled to be paid on the next morning. If the next morning is a business day, the items will be remitted to the Payee you specified. Funds for ALL bill payments will be withdrawn from your account on the Day the item clears your account.
NOTE: Please schedule payments to allow time for production and mail delivery. We recommend a lead time of at least seven (7) days prior to the due date of the payment. Texas National Bank shall not be responsible for any charges imposed or any other action taken by a payee resulting from a payment you have not scheduled properly, including any applicable finance charges and late fees. In addition, Texas National Bank will not be liable if any third party through whom any bill payment is made fails to properly transmit the payment to the intended payee. Texas National Bank will not be liable for delays or losses of payments caused by the U.S. Postal Service or other delivery service. We will also not be liable if there are insufficient funds or credit availability in your designated payment account and/or overdraft protection plan; if a legal order directs us to prohibit withdrawals from the payment account; if the payment account is closed or frozen; or if any part of the electronic funds transfer system is not working properly. Texas National Bank will not be liable for bill payments not completed due to circumstances beyond our control (such as fire, telecommunication outages, strikes, or natural disasters). Texas National Bank will not be liable for indirect, special, or consequential damages arising out of the use of iPay. Texas National Bank will not be liable if a payee will not accept payments made through iPay.
Texas National Bank reserves the right to terminate your use of iPay at any time without prior notice.
TNBOnline Banking with iPay is offered as a free service to our customers; however, there are additional features and services, such as, but not limited to Business Banking, Stop Payments, etc., the use of which may incur fees. In most cases, you will be warned by the service when your requested action has associated fees and allowed an opportunity to agree to the fees or cancel the transaction. In those cases where immediate notification is not feasible, the fee structure will have been outlined expressly in the appropriate section of the Online Banking Agreement, your application for a particular service, or our published fee schedule.
iPay - Stop Payments and Modified Requests
To stop payment of an iPay item after it has been disbursed, you are required - prior to the item being presented for payment - to request a stop of the item through iPay, by calling iPay customer service toll free number, or in person or by telephone at any Texas National Bank. If you call, we may also require you to put your request in writing and submit it to us within 14 days after your call. We will charge you our regular stop payment fee for each stop payment order you give; this fee will be charged in accordance with our current fee schedule. The following information will be required to complete each stop payment request:
A. Balance Inquiries and Transfers
You may use TNBOnline Banking to check the balance of your accounts and to transfer funds among each of your eligible accounts. To initiate any transactions, you must first use your user name and password to obtain access to the Service. The balance shown may include deposits still subject to verification by us. The balance shown also may differ from your records because it may not include deposits in progress, outstanding checks, other withdrawals, or charges. Funds transfer requests may be made 24 hours per day, but those initiated during nightly processing may not result in immediate funds availability until after nightly processing has concluded. When a transfer is attempted during this period of time, the service should suggest you check later to determine whether the transfer actually occurred. If there are insufficient available funds in the account from which you are requesting a transfer, the transfer will not be initiated. For monetary transfers, you must have some form of ownership on the accounts.
All of your payments and funds transfers will appear on your monthly account statement(s).
We are not responsible for any loss, damage or injury related to or caused by any use, misuse or failure of your equipment. Neither are we responsible for any loss, damage or injury related to or caused by any deficiency, malfunction or failure of your software, hardware or Internet connection.
D. Business Days/Hours of Operation
Our business days are Monday through Friday, except legal bank holidays. TNBOnline Banking is available 24 hours a day, seven days a week, except during maintenance periods for scheduling, modification, or for review of funds transfers and balance inquiries.
E. Electronic Mail (E-mail) & Feedback Forms
Please be aware that Internet e-mail is neither secure nor private. Please do not e-mail account numbers, user names, passwords or other sensitive data.
Electronic feedback forms have been provided for you to ask questions or give comments about your account(s). These forms are accessible on the web site in the customer service section after you sign on with your password. To ensure the security of your information, we recommend you use only these forms when asking specific questions about your account(s).
You cannot use e-mail messages or feedback forms to initiate transactions on your accounts. For transactions, please use the appropriate functions within the secure web site, or contact the Banking Center nearest you.
A. Contact Information
In case of error or questions about your electronic transactions contact us by telephone at (903) 586-0931, or write to: Texas National Bank, P.O. Box 710, 300 Neches St., Jacksonville, TX, 75766. Contact us 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 you the First statement in which the problem or error appeared.
We will investigate whether an error occurred within 10 banking days (5 banking days for Visa-branded card point-of-sale transactions and 20 banking 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 banking days (5 banking days for Visa-branded card point-of-sale transactions and 20 banking 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 banking days, we may not credit your account as described above.
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 this account is opened. We will inform you of the results within 3 banking days after completing our investigation. If we decide that there was no error, we will send you a written explanation and reverse the credit described above. You may ask for copies of the documents that support our investigation.
Our Commitment to Financial Privacy
Texas National Bank (“we” and “us”) is committed to carefully guarding the private information you entrust to us. This statement in this notice applies to current as well as our former customers.
Financial Privacy Notice
This notice is intended to describe how we collect, maintain and disclose customer information and how you can choose how information about you is used by us. This notice may be amended from time to time. If you have any questions or comments about the privacy of information about you, please contact us at (903) 586-0931. We may collect the following:
We do not disclose any non-public personal information about you to anyone except as permitted by law.
Non-public personal information means information about you that we collect in connection with providing a financial product or services to you. Non-public personal information does not include information that is available from public sources, such as telephone directories or government records.
We restrict access to your personal account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
Texas National Bank respects your privacy. We collect and use information about visitors to our web site for statistical and/or security purposes to help us maintain a secure and effective site, to facilitate transactions our users initiate, to respond effectively to their inquiries and to advise them of other ways we can be of assistance. Information collected on our web site is not made available to third parties that have no directly relevant business relationship with Texas National Bank. Texas National Bank prohibits the unauthorized use by our employees of information collected about our customers generally and we require that authorized third parties to whom we provide information use such information solely for its intended business purpose and for no other purpose.
Collection and Use of Personally Identifying Information
With respect to our web site, Texas National Bank may ask for your address, phone number and/or e-mail address when you place a request for services; when you participate in one of our online services; or for other legitimate business purposes. In each case, our objective is to gather sufficient information about you so that we can serve you effectively. We may use personally identifying information to provide you with updates and other information about Texas National Bank and our services that we think may be of interest to you.
Collection and Use of Technical Information about Internet Connections
Texas National Bank and its web hosting company, acting as the Bank’s agent, collect and store technical information about your visit to our web site. We use this information for security and statistical purposes to make our site more secure and useful to visitors and the information we collect is not provided to any other third party. Specifically, we may record:
Some parts of the Texas National Bank web site may use a “cookie,” which is a file placed on your computer hard drive, that allows the Texas National web server to log the pages you use in the Texas National site and to determine if you have visited the site before. The Texas National server uses the information to provide certain features during your visit to the web site. You can set your browser to warn you when a placement of a cookie is requested and decide whether or not to accept it. By rejecting a cookie, some of the features available on the site may not function properly.
Contacting Texas National about Online Banking Issues
Texas National Bank, P.O. Box 710, 300 Neches, Jacksonville, TX 75766 or call (903) 586-0931.