- Your wireless carrier's standard messaging rates apply to SMS correspondence. First
National Bank of Muscatine does not charge for any content; however, downloadable
content may incur additional charges from your wireless carrier. Please contact your
wireless carrier for information about your messaging plan. Your carrier may impose
message or charge limitations on your account that are outside of our control. All
charges are billed by and payable to your Wireless Carrier.
- You represent that you are the owner, or authorized user of the wireless device you use
to receive the service, and that you are authorized to approve the applicable charges.
- We will send you a message only once, and only with your explicit agreement as
indicated by your continuation of the process flow.
- We will not be liable for any delays or failures in your receipt of any SMS messages as
delivery is subject to effective transmission from your network operator and processing
by your mobile device. SMS message services are provided on an AS IS, AS AVAILABLE
- Data obtained from you in connection with this SMS service may include your mobile
phone number, your carrier's name, and the date, time, and content of your messages
and other information that you may provide. We may use this information to contact
you and to provide the services you request from us, and to otherwise operate, develop,
and improve the service. Your wireless carrier and other service providers may also
collect data from your SMS usage, and their practices are governed by their own
policies. We will only use the information you provide to the service to transmit your
text message or as otherwise described in this document. Nonetheless, we reserve the
right at all times to disclose any information as necessary to satisfy any law, regulation,
or governmental request, to avoid liability, or to protect our rights or property. When
you complete forms online or otherwise provide us information in connection with the
service, you agree to provide accurate, complete, and true information.
- The service as well as the content and materials received through the service are
proprietary to us and our licensors, and is for your personal, non-commercial use only.
You shall not damage, impair, interfere with, or disrupt the service or its functionality.
- The service is available only in the United States.
- We reserve the right to alter charges and/or these terms and conditions from time to
time. We may suspend or terminate the service to you if we believe you are in breach of
our terms and conditions. Your service is also subject to termination in the event your
wireless service terminates or lapses. We may discontinue the service at any time.
- If you have any questions, e-mail: email@example.com. You can also text the word:
HELP to 32858 to get additional information about the service. If you receive a message
from us unexpectedly, you can text the word STOP to 32858. We do not charge for help
or info messages; however, your normal carrier rates apply.
are an established customer, you may self-enroll by entering your account
number and your last statement balance, if known. If you are a new
customer and have not received your initial statement, you will need your
account number and your predetermined User ID to self-enroll online.
For a new customer this enrollment can be completed the evening of the
business day after the account is opened. When you have successfully
completed the online enrollment, you will receive notification from us, and
you will be able to begin using Internet Banking immediately. If one
or more pieces of information you input in the enrollment form do not match
our records, your enrollment request will be forwarded to us to verify
manually, and we may call you to complete that verification. Once the
verification is complete, you will receive notification from us that you may
begin using Internet Banking and instructions on how to begin.
Your User ID and Password:
determine what your User ID and password will be when you self-enroll for
Internet Banking, and the identity of your password is not communicated to
us. You agree that we are authorized to act on instructions received under
your User ID and password. You accept responsibility for the
confidentiality and security of your User ID and password, and agree to
change your password regularly. If you forget your password, click on the
"Forgotten Password" button and follow the prompts to establish a new
password. You are allowed three (3) unsuccessful attempts to login, and
your User ID and password will be locked out upon the third unsuccessful
attempt. If your User ID and password are locked out, you must contact the
Bank at 563-262-4220 during normal business hours to have your password
reset. You may also contact our Oakview Branch at 563-262-4218 or
Westside Branch at 563-263-2800 during that location's normal business hours
to request a password reset. We may require additional identifying information from you prior to
resetting your password.
security purposes, you must create a User ID that is between eight (8) and
sixteen (16) characters long, and uses at least 2 letters and 2 numbers.
Special symbols and punctuation marks cannot be used in your User ID, and it
is case sensitive.
security purposes, you must create a password that is between six (6) and
sixteen (16) characters long that is not the same as your User ID. It
should have both upper and lower case alpha and numeric characters. Your
password should not be associated with any commonly known personal
identification, such as social security numbers, address, date of birth,
names of children, and should be memorized rather than written down. Your
password is case sensitive.
Our Internet Banking uses additional security through Device Profiling and
step-up authentication using Out-of-Band Authentication and Out-of Wallet
Questions. During login, extensive details about your device and network are
gathered and evaluated for consistency with your typical behavior and any
indication that fraud may be involved in the login. The result of this
evaluation can be used to determine the next step in the login process.
Device encompasses computers, tablets, and smartphones you are using to
access Consumer Internet Banking from a browser or Mobile Banking from a
Based on the results of the Device Profiling, the system may require
additional step-up authentication. Two options are offered for your
allows you to authenticate through the use of a one-time security code.
This authentication occurs outside the online channel through either an
automated phone call or SMS text message.
allow you to authenticate using a four question, multiple choice quiz that
is created from over 50 sources of public record information. You must
answer 3 of the 4 questions correctly to continue with login.
In-Person "Paper" Enrollment:
enroll for internet banking in-person at a Bank office during normal
business hours. Or, if you wish to enroll in online banking prior to the
first statement being issued ("cut") for your account, you must enroll in
person at a Bank office during normal business hours. You must have proper
identification and your account information to enroll in-person. If you
choose this method to enroll, and once your identification and account
information have been verified, you will be asked to choose your User ID. A
temporary password will be generated and mailed to you via postal mail.
When you receive the temporary password, you will be able to log in to the
system, and you will be asked to change the temporary password the first
time to log on to the system. All other terms and conditions of this
Agreement remain the same whether you choose to self-enroll online or
in-person paper enrollment.
Access to Bank Accounts:
are enrolled for internet banking, you will have access to all Bank Accounts
for which you are an owner. As you open new accounts, those new accounts
will also be automatically added to your internet banking access. If you do
not wish to have online access to one or more of your accounts, you must
contact the bank during normal business hours and request that the specific
account(s) be removed from internet access.
Consent to Electronic Delivery of Notices:
By completing enrollment in Internet Banking, Bill Payment and/or
electronic delivery of periodic statements ("e-Statements"), you agree to be
bound by all the terms of this Agreement as it applies to each of the
internet banking services in which you have enrolled, and you acknowledge
your receipt and understanding of this Agreement. You also consent to
receive these Internet Banking disclosures, and any future disclosures, in
electronic format by posting on the Bank's website or via Internet Banking.
Future disclosures may include but are not limited to: electronic fund
transfers disclosures, changes in hardware / software requirements to use
Internet Banking, and changes in fees related to electronic banking.
ELECTRONIC STATEMENTS - DEPOSIT ACCOUNTS:
You may, at your option, choose to receive your deposit account periodic
statements in electronic form ("e-Statements") rather than paper form.
Unless you choose the option for electronic statements, you will continue to
receive your periodic statements in paper form. If you choose to receive
electronic statements, you will also receive other disclosures sent with
paper periodic statements in electronic form. These may include, but are
not limited to: fee changes for various products and services we offer,
changes in interest rates, changes in the terms of your account(s) with us,
and/or other changes in your Account Agreements.
Access and Enrollment:
In order to have access to your e-Statements online, you must have a Bank
checking or savings account, be enrolled in Internet Banking, and have a
valid email address. Use your user ID and password to access your account,
and then click on the "Statements" button and follow the prompts to sign up
for e-Statements or change your options.
E-Mail Address - Notification of Statement
You must have a valid email address to enroll in our e-Statement delivery
service. We will send you an email notification at the last email address
we have of record when your online statement is available. Your
e-Statements will remain accessible within Internet Banking for thirteen
(13) months, beginning with the first statement after you enroll for
e-Statements. You agree to accept responsibility for notifying us if your
email address changes. If we send you an email notification and it is
returned to us as undeliverable, you will still be able to access your
e-Statement from within Internet Banking and should do so until your email
address is updated or until we resume sending you paper statements. It will
be your responsibility to notify us that you are unable to access your
e-Statement. If your email notification is returned to us as undeliverable,
and we have not received notice of change of email address from you, your
enrollment in the e-Statement delivery service may be discontinued; and, if
so, we will send that statement and all future statements to you in paper
form at the physical address we have for you on our system. If you choose
after that to again receive electronic statements, you will need to
re-enroll for electronic statements and have an updated valid email address.
Request for Paper Copies:
Once you have chosen to receive e-Statements, we will no longer send paper
statements to you; however, you do have a right to receive your statements
in paper form. If you ever have any question about a transaction on your
statement, or you otherwise need a paper copy, you may request copies of any
statement by calling us at 563-263-4221 or coming in to our Main Bank or any
of our Branches during business hours. You may receive one statement
hardcopy per calendar year for no charge; additional copies and research
will be charged as stated in your original Account Agreement, as amended
from time to time.
Withdrawal from e-Statements:
Once you have chosen to receive electronic statements, you may withdraw the
option at any time at no cost to you, simply by accessing your account
online, clicking on the "Statements" button, then "Account Preferences" and
de-select electronic statements. Or, you may write to us at First
National Bank of Muscatine, Attention: Operational Services, 300 East
Second Street, Muscatine IA 52761 and request that we send future
statements to the physical address we have on our system in paper form.
If your e-Statement cancellation request is received within five (5)
business days prior to the end of the statement cycle, your current
statement will be sent to you in paper form. If your request is not
received within the above timeframe, your current statement may be sent to
you electronically, and subsequent statements will be sent to you in paper
Please note that, while we will begin processing this request as soon as it
is received, depending on your statement schedule, it may take one or two
statements to have your request completed.
Once you have enrolled in the e-Statement service, if you later choose to
withdraw from e-Statements (or if we have begun sending paper statements to
you as a result of an incorrect or invalid email address as noted in the
"E-Mail Address - Notification of Statement Availability" section above) you
will lose all access to the e-Statement service, including your online
E-Statements Required for Certain Types of Accounts:
Certain types of accounts we offer require that you receive e-Statements to
be eligible to hold that account. If you do not consent to or enroll in
e-Statements, or your email address is or becomes invalid as discussed
above, or you terminate your enrollment in e-Statements, you may no longer
qualify for that account. Refer to your Account Agreement and Disclosure or
contact your account officer during business hours with any questions.
at your option, choose to enroll for Bill Payment at the time of enrollment or anytime thereafter and pay your bills online
via Internet Banking.
ACCESS AND ENROLLMENT:
order to use our Bill Payment service, you must be enrolled in Internet
Banking and request to be enrolled in Bill Pay. You will need to select a
Bank checking account as the initial "Funding Account" from which your
payments will be made. This will also be your "Billing Account" from which
monthly Bill Payment fees, if applicable, will be debited.
User ID and password to access your account online, click on the Make
Payments tab, select Enroll Now on the following page. Select the account to be designated as your initial
"Funding Account" and default account, click Enroll. Once the Bill Pay enrollment is successfully processed, you
will receive an email notification that your Bill Payment service has been
activated. You may then begin setting up your payees immediately for online
Bill Payments. If we are unable to immediately complete your Bill Pay request you will receive a page message on your screen telling you that you will be contacted within 2 business days.
Scheduling Payments and Payee Information:
schedule a payment, you must enter the complete payee name, your account
number with that payee, the payee's remittance address and phone number (all
exactly as shown on the billing statement or invoice), the amount of the
payment and the date you want the payment to be initiated. Payments
can be sent only to payees with a valid address within the United States.
Payments to payees outside of the United States are prohibited.
Banking allows single one time payments to existing Payees. Recurring
payments and payee setup is still completed through Internet Banking and is
not available through Mobile Banking.
reserve the right to refuse to pay any payee designated by you. If we do
so, we will notify you promptly. Bill Payment is provided to you for your
convenience. The actual payment of such bills is handled by an independent
third party, and the Bank cannot and will not warrant or be held responsible
for the completion and accuracy of such transactions.
Scheduling Internet Banking Bill Payments:
Payment will be made by one of two methods. You may verify which payment
method will be used for a particular payee by viewing the "smart calendar"
on the Make Payments screen. If the Deliver By date is one week after the
Send On date, you understand and agree that a paper check will be mailed to
the payee, and the payee may not receive payment until five (5) to eight (8)
business days after the payment is initiated. If the Deliver By date is
three (3) days after the Send On date, payment will be sent electronically
and you understand and agree that the payee may not receive the payment
until 72 hours after the payment is initiated. After payment is initiated,
the method of payment will also show on the Payment Confirmation screen.
You understand and agree that we are not responsible for the timely delivery
of mail or the improper transmission or handling of payments by a third
party such as the failure of the Bill Payment payee to properly post a
payment to your account.
date you want the payment to be initiated is not a business day, the payment
will be initiated the next business day before 8:00 p.m. Central Time. Your
Bill Payment account will generally be debited on the business day the
payment was initiated.
How to Cancel a Bill Payment:
cancel a bill payment that you have scheduled through Internet Banking, you
must cancel the payment online via Internet Banking (by following the
onscreen instructions) before 8:00 p.m. (Central Time) on the date the
payment is scheduled to be initiated. If you want to cancel a payment
after the cut-off time, you may contact the Bank during normal business
hours for assistance, and we will make our best attempt to stop the payment.
note that you may initiate stop-payment requests online via Internet Banking
only for paper checks you have written on your Bank accounts (not Internet
Banking Bill Payment paper drafts.) Our online stop-payment cutoff time is
one hour after the opening of the next banking day after the banking day on
which we receive the item. To be effective, this type of stop-payment
request must precisely identify the name of the payee, the check number, the
amount, and the date of the check.
be charged a Stop Payment Fee as described in your Account Agreement, as may
be updated from time to time.
Withdrawal from Bill Payment:
To cancel your Bill Payment access, you may write to us at First National
Bank of Muscatine, Attention: Operational Services, 300 East
Second Street, Muscatine IA 52761 and request that we remove your account
from Bill Payment access. Or, call us at 563-262-4220 during normal
business hours (we may ask for you to put your request in writing). Your
access to Bill Payment will be suspended within 3 business days of our
receipt of your instructions to cancel the service. You will remain
responsible for all outstanding fees and charges incurred prior to your
ELECTRONIC FUNDS TRANSFERS ACT:
Internet Banking Services:
You can use Internet Banking to:
balance of your accounts with us,
Bank account histories,
funds between your accounts with us (you may need to contact the bank to
establish the transfer relationship between accounts),
payments to your Bank loan from your Bank account,
checking and/or savings account periodic statements (if you have enrolled in
from your Bill Payment account you have designated (if you have enrolled in
the Bill Payment Service).
Generally, balance and activity information are available as of 3:00 p.m.
(Central Time) of the previous business day. However, certain items such as
teller transactions and online transfers may be viewed online the same
Posting of Bill Payments:
Generally, Bill Payments initiated through Internet Banking on a business
day are posted to your account the same day. If the day on which a payment
is initiated is not a business day or the payment is initiated after 8:00
p.m. (Central Time) on a business day, the payment will be initiated on the
next business day. Internet Banking identifies payments based upon the User
ID of the user who initiated the electronic transfer or Bill Payment.
Accordingly, you understand and acknowledge that the screens in both the
Transfer and Bill Payment menu options of Internet Banking will not reflect
transfer and/or payment information of multiple users from the same account
if different User IDs are used. You agree to communicate with any other
person(s) with authorized access to your accounts concerning any transfers
or Bill Payments from your accounts.
Posting of Transfers:
Generally, transfers initiated through Internet Banking on a business day
are posted to your account the same day. Transfers completed after 5:00
p.m. (Central Time) on a business day, may be posted on the next business
day. Transfers initiated on a Saturday, Sunday, or banking holiday will be
posted on the next business day. Internet Banking identifies transfers
based upon the login ID of the user who made the electronic transfer.
Accordingly, you understand and acknowledge that the Reports screens in the
Bill Payment menu option of Internet Banking may not reflect payment
information of multiple users from the same account if different User IDs
are used. You agree to communicate with any other persons with authorized
access to your accounts concerning any bill payments from your accounts in
order to avoid overdrafts.
Overdrafts (Order of Payments, Transfers, and other Withdrawals):
your account has insufficient funds to perform all electronic fund transfers
you have requested for a given business day, then:
Electronic funds transfers involving currency disbursements, like ATM
withdrawals, will have priority;
the event one or more electronic fund transfers or Bill Payments initiated
through Internet Banking result in an overdraft of your account, overdraft
charges may be assessed pursuant to the terms of the deposit agreement for
that account. The transfer(s) or payment(s) resulting in an overdraft will
be paid or declined and returned to you at the Bank's discretion.
keep in mind that overdrafts can be created by check, in-person withdrawal,
ATM withdrawal, electronic Bill Payment, or other electronic means.
Limits on Amounts and Frequency of Internet Banking Transactions:
number of transfers from Bank accounts and the amounts which may be
transferred are limited pursuant to the terms of the applicable deposit
agreement and disclosure for those accounts. If a hold has been placed on
deposits made to an account from which you wish to transfer funds, you
cannot transfer the portion of the funds held until the hold expires.
Stop Payment Requests for Other Pre-Authorized Payments:
to stop payment and procedure for doing so: If you have told us in
advance to make regular payments out of your account, you can stop any of
these payments. Here is how: Call us or write us at the telephone number
or address in this Access Agreement in time for us to receive your request 3
business days or more before the payment is scheduled to be made. If you
call we may also require you to put your request in writing and get it to us
within 14 days after you call.
Liability for Failure to Stop Payment of Preauthorized Transfer:
If you order us to stop one of these payments 3 business days or more
before the transfer is scheduled, and we do not do so, we will be liable for
your losses or damages.
Notice of Varying Amounts: If
these regular payments may vary in amount, the person you are going to pay
will tell you, 10 days before each payment, when it will be made and how
much it will be. (You may choose instead to get this notice only when the
payment would differ by more than a certain amount from the previous
payment, or when the amount would fall outside certain limits that you set.)
Disclosure of Account Information and Transfers:
disclose information to third parties about your account or the transfers
Where it is necessary for completing transfers;
order to verify the existence and condition of your account for a third
party, such as a credit bureau or merchant; or
order to comply with government agency or court orders; or
you give us written permission
Please also see our separate Privacy Disclosure
Periodic Statements: You
will not receive a separate Internet Banking statement. Transfers to and
from your accounts using Internet Banking will appear on the respective
periodic statements for your Bank accounts.
Change in Terms:
change any term of this Agreement at any time. If the change would result
in increased fees for any Internet Banking service, increased liability for
you, fewer types of available electronic fund transfers, or stricter
limitations on the frequency or dollar amount of transfers, we will give you
notice at least 30 days before the effective date of any such change, unless
an immediate change is necessary to maintain the security of an account or
our electronic fund transfer system. We will post any required notice of
the change in terms on the Bank's website or forward it to you by e-mail,
postal mail or via Internet Banking. If advance notice of the change is not
required, and disclosure does not jeopardize the security of the account or
our electronic fund transfer system, we will notify you of the change in
terms within 30 days after the change becomes effective. Your continued use
of any or all of the subject Internet Banking Services indicates your
acceptance of the change in terms. We reserve the right to waive, reduce or
reverse charges or fees in individual situations. You acknowledge and agree
that changes to fees applicable to specific accounts are governed by the
applicable deposit agreements and disclosures.
Our Liability for Failure to Make a Transfer:
If we do
not complete a transfer to or from your account, including a bill payment,
on time or in the correct amount, according to our agreement with you when
you have properly instructed us to do so, we will be liable to you for your
losses or damages caused as a result. However, there are some exceptions.
We will NOT be liable, for instance:
through no fault of ours, you do not have enough money in your account to
make a transfer.
2. If a
legal order directs us to prohibit withdrawals from the account.
your account is closed, or if it has been frozen.
you have an overdraft line and the transfer would go over the credit limit.
you, or anyone authorized by you, commits any fraud or violates any law or
any electronic terminal, telecommunication device, or any part of the
Internet Banking electronic fund transfer system is not working properly and
you knew about the problem when you started the transfer.
you have not provided us with complete and correct payment information for
the Bill Payment Service, including, without limitation, the name, address,
your payee-assigned account number, payment date, and payment amount for the
payee on a bill payment.
you have not properly followed the on-screen instructions for using Internet
circumstances beyond our control (such as fire, flood, interruption in
telephone service or other communication lines) prevent the transfer,
despite reasonable precautions that we have taken.
may be other exceptions stated in our agreement with you.
Your Liability for Unauthorized Transfers:
AT ONCE if you believe your User ID and/or password has been lost or stolen,
used without your authorization or otherwise compromised, or if you believe
that an electronic fund transfer has been made without your permission using
information from your check. Telephoning is the best way of keeping your
possible losses down. You could lose all the money in your accounts (plus
your maximum overdraft line of credit, if any). If you tell us within 2
business days after you learn of the loss, theft, compromise, or
unauthorized use of your User ID and password, you can lose no more than $50
if someone used your User ID and password without your permission.
If you do
NOT tell us within 2 business days after you learn of the loss, theft,
compromise, or unauthorized use of your User ID and password, and we can
prove we could have stopped someone from using your User ID and password to
access your accounts without your permission if you had told us, you could
lose as much as $500.
your statement shows transfers that you did not make, including those made
by card, code or other means, tell us at once. If you do not tell us within
60 days after the paper statement was mailed to you or your e-Statement was
made available to you, you may not get back any money you lost after the 60
days if we can prove that we could have stopped someone from taking the
money if you had told us in time.
If a good
reason (such as a long trip or hospital stay) kept you from contacting us,
we will extend the time periods.
You agree that you will not use any Internet Banking service, or any other
access device, for any illegal or unlawful transaction. We may decline to
authorize any transaction that we believe poses an undue risk of illegality
or unlawfulness; however, we may collect on any debt arising out of any
illegal or unlawful transaction.
In Case of Errors or Questions about Your Electronic Transfers, including
of Errors or Questions About Your Electronic Transfers, call, write, or
e-mail us as soon as you can at the telephone number, address or e-mail
address listed in this Agreement, 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.
us your name and account number.
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
us the dollar amount of the suspected error.
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 (5 business days for CheckCard
point-of-sale transactions and 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 (5
business days for CheckCard point-of-sale transactions and 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
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 this account is opened.
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 that we used
in our investigation.
Your Contact Information:
If your email address or any other contact information (e.g. your name,
physical address, phone number, etc.) changes, please notify us immediately
either by phoning us at 563-262-4220 or stopping in at our Main Bank or any
of our branches during business hours, or emailing us at firstname.lastname@example.org.
Your Contact Information - Undeliverable E-Mail
Address: If an email message that
we attempt to send to you is returned to us as undeliverable, we will make a
reasonable effort to contact you to obtain an updated email address, or
otherwise resolve the issue. If we are unable to contact you or if the
issue is not resolved within a reasonable period of time, we may, at our
discretion, suspend your Internet Banking access, and you will be required
to contact us to reactivate access.
Please verify that your email address is correct by logging into Internet
Banking, click on the Customer Service tab, and click on Change e-Mail
Address under Account Maintenance. If the Current e-Mail shown on the
screen is not correct, please enter the correct information in the New
e-Mail and the Confirm New e-Mail boxes and click to Submit.
If you have questions, or if we can be of any assistance, please call our
Operational Services Department at 563-262-4220 during normal business hours.
Disclaimer of Warranty and Limitation of Liability:
no warranty of any kind, express or implied, including any implied warranty
of merchantability or fitness for a particular purpose, in connection with
the Internet Banking services provided to you under this Agreement. We do
not and cannot warrant that Internet Banking will operate without errors, or
that any or all Internet Banking services will be available and operational
at all times. Except as specifically provided in this Agreement, or
otherwise required by law, you agree that our officers, directors,
employees, agents or contractors are not liable for any indirect,
incidental, special or consequential damages under or by reason of any
services or products provided under this Agreement or by reason of your use
of or access to Internet Banking, including loss of profits, revenue, data
or use by you or any third party, whether in an action in contract or tort
or based on a warranty. Further, in no event shall the liability of Bank
and its affiliates exceed the amounts paid by you for the services provided
to you through Internet Banking. Various brand and product names are
trademarks or registered trademarks of their respective owners. Features
and services availability are subject to change without notice.
Your Right to Terminate:
cancel your Internet Banking service at any time by contacting the bank
during normal business hours; we may also require that you submit your
request in writing. Your access to Internet Banking will be suspended
within 3 business days of our receipt of your instructions to cancel the
service. You will remain responsible for all outstanding fees and charges
incurred prior to the date of cancellation.
If one or
more of your accounts require any Internet Banking Service, including Bill
Payment and/or e-Statements, and you terminate that Internet Banking
service, your eligibility to own that account may be affected and the Bank
may change the account type to one for which you are eligible. Refer to
your Account Agreement and Disclosure for the account, or contact your
account officer during normal business hours with any questions.
Our Right to Terminate:
agree that we can terminate or limit your access to Internet Banking
Services for any of the following reasons:
Without prior notice, if you have insufficient funds in any one of your Bank
accounts. Internet Banking service may be reinstated, in our sole
discretion, once sufficient funds are available to cover any fees, pending
transfers, and debits.
Bill Payment Users: Upon 3 business days notice, if you do not contact us
to designate a new Bill Pay Checking Account immediately after you close the
checking account you have designated as the account to be debited for Bill
reasonable notice, for any other reason in our sole discretion.
you do not log in to Internet Banking for a period of more than six (6)
months, we may remove your access to Internet Banking. If you wish to have
your access re-instated, you will need to call us at 563-262-4220. We may
request you to complete the enrollment process again.
Communications between Bank and You:
Unless this Agreement provides otherwise, you can communicate with us in any
one of the following ways:
contact us with any questions or concerns you have about Internet Banking
(Please note that banking transactions through Internet Banking are not made
via e-mail. Also please note that email is not necessarily secure;
therefore you should not include confidential information such as your
account number in email communications.)
Linda Daly, Manager, Operational Services, 563-262-4220
First National Bank of Muscatine, 300 East Second Street, Muscatine, Iowa
Bank.............................. 300 East Second Street, Muscatine
Mississippi Office.................... Directly Behind Main Bank
Oakview North Office.............. 3107 Highway 61 North, Muscatine
Westside Office...................... 2017 Cedar Plaza Drive, Muscatine
Fees and Charges:
agree to pay the fees and charges for your use of Internet Banking services
as set forth in the current fee schedule. You agree that all such fees and
charges will be deducted from the Bank checking account designated as the
Bill Payment Account when you enrolled in Bill Payment. If you close your
Bill Payment Account, you must contact us immediately to designate another
account as your Bill Payment Account. You agree to pay any additional
reasonable charges for services you request which are not covered by this
Agreement. You are also responsible for telephone and Internet service fees
you incur in connection with your use of Internet Banking.
INTERNET BANKING FEES:
$4.95* per month, including 10 bill payments per month. Each
additional bill payment $.35* thereafter. Some exceptions apply - please refer to your Account Agreement and Disclosure.
$27.00 per item,
overdraft items (paid) whether created by check, in-person withdrawal, AMT withdrawal, or other electronic means.
$29.00 per item
/ maximum of 8 Overdrafts and Return items paid per day.
Other Account and Service Fees:.....
Are described in your original Account Agreement, as updated from time to
for preauthorized withdrawals from any type of account, based on the normal
debit charges for that account. Except as indicated elsewhere or as
indicated in individual account agreements, we do not charge for electronic
Iowa sales tax and local option tax assessed.