Introduction
a) Internet Banking Features
b) Schedule of Fees
c) Questions or Errors
Getting Started
Hours of Service
Managing Passwords
Unauthorized Transfers
Accounts with Multiple Signature Restrictions
Electronic Mail
Liability
Alterations and Amendments
Termination or Discontinuation
Please read before continuing through the application process. If you have any questions please contact us.
Introduction
Before you begin using this service, please read these Terms & Conditions. By accepting these Internet Banking Terms and Conditions online, you represent that you have read, understand, and agree to be bound by all of these Terms and Conditions. Throughout this agreement “you” and “your” refer to the party who has executed the Internet Banking Enrollment form. “We”, “our”, “us”, and “Bank” refer to Converse County Bank of Douglas, Wyoming. Our “business days” are Monday through Friday. Holidays are not included. All depository accounts, as well as other selected services and operating procedures for accounts, including time deposits, are also governed by the Bank’s Deposit Agreement disclosure.
Online Real-time Processing
Balance inquires on checking, savings, CDs, and loan accounts
Inquires by check number or amount
Transaction search by multiple criteria
Account statements:
1) Previous statement
2) Current statement
3) Previous business day
4) Current business day
Account data can be exported to:
1) Microsoft Money
2) Quicken
3) Microsoft Excel
Online statements n PDF format
Interest Information
1) Current year
2) Previous year
Transfer funds between accounts
Make loan payments
Schedule transfers
Change Logon User ID or password
Change e-mail address
Online help
Check Image Viewer (coming soon)
Cash Management for commercial customers (coming soon)
The charges for Internet Banking access, stop payments, and other services are set out in Converse County Bank’s “Fee Schedule.” *All applicable fees will be automatically deducted from your account and will appear on your account statement.
*Fees are subject to change as provided for in the Alterations and Amendments section below.
In case of questions or errors about account transfers made through Internet Banking involving a Converse County Bank account, you should do one of the following as soon as you can.
Telephone us at (307) 358-5300 8:00 a.m. to 4:00 p.m. Monday through Thursday, 8:00 a.m. to 5:00 p.m. Friday.
Write us at The Converse County Bank, Drawer 689, Douglas, WY 82633.
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 sixty (60) days after we sent the FIRST statement on which the problem or error appeared.
1) Tell us your name and account number.
2) 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.
3) 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 ten (10) business days.
We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will 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 questions in writing and we do not receive it within ten (10) business days, we may not credit your account.
If a notice of error involves an electronic fund transfer that occurred within thirty (30) days after the first deposit to the account was made, the error involves a new account. For errors involving new accounts we may take up to ninety (90) business days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error.
We will tell you the results within three (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.
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. However, there are some exceptions. We will NOT be liable for instance:
- If, through no fault of ours, you do not have enough money in your account to make the transfer.
- If the money in your account is subject to legal process or other claim restricting such transfer.
- If the transfer would go over the credit limit on your overdraft line.
- If you, or anyone you allow, commits any fraud or violates any law or regulation.
- If any electronic terminal, telecommunication device, or any part of the electronic funds transfer system is not working properly.
- If you have not properly followed the instructions for using Internet Banking.
- If circumstances beyond our control (such as fire, flood, or improper transmission) prevent the transaction, despite reasonable precautions that we have taken.
- If the Internet Banking system is temporarily unavailable due to maintenance, security reasons, or other exceptions not specifically mentioned herein.
- There may be other exceptions stated in our Agreement with you.
Getting Started
Once you have completed the bank’s Internet enrollment form, which is provided at the conclusion and acceptance of this agreement. Access to Internet Banking is through the Bank’s web site, http://www.conversecountybank.com. Click on “Online Banking Logon”; enter your User name and Password. You are now ready to access your account information.
Hours of Service
You have access to your accounts 24 hours a day, seven days a week. However, some of the features within Internet Banking have processing deadlines. In addition, at various times, certain services may be temporarily unavailable due to maintenance needs. Account Transfers requested before 5:00 p.m. (Mountain Time) on a business day will be posted to your account the same day. Requests made after 5:00 p.m. (Mountain Time) or on a weekend or holiday will be processed on the next business day.
Managing Passwords
You will be given a temporary password to access Internet Banking. Upon accessing the system the first time, you will be asked to change your password. Keep your password secret. Memorize your password and do not write it down. You are responsible for keeping your password and account information confidential. If you allow other persons to use Internet Banking or your password, you are responsible for any transactions they authorize from your accounts. For additional security, at any time, you can change your password while in Internet Banking. We recommend you change your password regularly to minimize your risk.
Unauthorized Transfers
If you believe another person has unauthorized knowledge of your Internet Banking password, or if someone has transferred or may transfer money from your account without your permission, or if you suspect any fraudulent activity on your account, notify us at once by calling 307-358-5300 during normal business hours. If you tell us within two (2) business days after you discover any or all of your security codes have been lost or stolen, and someone uses your security code(s) without your permission, you can lose no more than $50.00. If you fail to notify the Bank within two (2) business days after you learn of the loss or theft of any or all of your security codes and we can prove that we could have prevented the unauthorized use of your security codes had you notified us, you could lose as much as $500.00. If your monthly statement contains transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement containing the unauthorized transfer(s) was mailed to you, and if we can prove that we could have stopped someone from taking the money had you told us in time, you may lose any amount transferred without your authorization. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period.
Accounts with Multiple Signature Restrictions
If you utilize checks or other means of withdrawal that require more than one signature under some or all circumstances, you agree that those restrictions are for your internal use and internal control only. You agree not to bind us even if you have made us aware of the restriction on any signature card, any other agreement you have with us, or through the existence of multiple signature lines or legends printed on items indicating that more than one signature is required. We reserve the right to refuse to open any account that has these types of restrictions. You agree not to assert any claims against Converse County Bank for lack of authorized signers as long as the item used for withdrawal from the account contains the signature of at least one authorized signer.
Electronic Mail
You cannot use electronic mail (e-mail) to initiate transactions on your account(s). For banking transactions please use the appropriate functions within Internet Banking.
Liability
Unless otherwise required by law or specifically provided for in this Agreement, you agree that neither we nor the service providers shall be responsible for any harm, including, but not limited to, direct, indirect, special, consequential, and economic damages, resulting in any way from the installation, operation or maintenance of our equipment or software, or Internet browser or access software. Nor shall we or the service providers be responsible for any loss, property damage, or bodily harm, whether caused by Converse County Bank, its equipment or software, or by Internet access or browser providers, or by on-line service providers, or any agent or subcontractor of any of the aforementioned parties.
Alterations and Amendments
The terms of this Agreement and applicable fees may be altered or amended by the Bank from time-to-time. In such an event, the Bank shall send notice to you at your address as it appears on the bank’s records or send you an electronic mail message (e-mail). The notice will be sent at least thirty (30) days in advance (unless an immediate change is necessary for security reasons) of the effective date of any additional fees for online transactions, or of any stricter limits on the type, amount, or frequency of transactions, or of any increase in your responsibility for unauthorized transactions. As always, you may choose to accept or decline changes by continuing or discontinuing the accounts or services to which these changes relate. The applicable “Schedule of Fees” governs changes to fees applicable to specific accounts.
Termination or Discontinuation
In the event you wish to discontinue using Internet Banking, contact the Bank in writing or send us an e-mail message. Written notice must be sent to Converse County Bank, Drawer 689, Douglas, WY 82633. We may, at any time, without prior notice to you, terminate your Internet Banking service. We will mail notice of termination to you at your address as shown on the Bank’s records.
