Online Banking Agreement & Disclosure
Welcome to The First Citizens National Bank Online Banking!
This Online (Internet) Banking Agreement and Disclosure (“the Agreement") explains the terms and conditions governing the basic Online Banking services and bill pay services offered by The First Citizens National Bank (the Bank). All Online Banking services of any kind whatsoever offered or afforded by the Bank will be referred to collectively as “Online Banking Services” in this Agreement. As used in this Agreement, the terms “you” and “your” refer to each person signing or accepting an Online Banking Enrollment Application. The term “Business Day” means all days except Saturday, Sunday, and all banking holidays.
THIS IS A BINDING LEGAL DOCUMENT THAT INVOLVES LEGAL RIGHTS AND REMEDIES FOR YOU AND THE FIRST CITIZENS NATIONAL BANK. BY CHOOSING TO SIGN BELOW OR BY CHOOSING "ACCEPT" ON THE WEBSITE, YOU ARE AGREEING TO BE BOUND BY THIS AGREEMENT FOR THE ACCESS TO AND USE OF THE FIRST CITIZENS NATIONAL BANK ONLINE BANKING WEBSITE. IF, AT ANY TIME, YOU ARE NOT SATISFIED WITH THE FIRST CITIZENS NATIONAL BANK WEBSITE, NOTIFY THE FIRST CITIZENS NATIONAL BANK IN WRITING OR CALL THE BANK. THESE TERMS AND CONDITIONS BECOME A BINDING LEGAL CONTRACT OBLIGATION. IF YOU ARE USING THIS WEBSITE ON BEHALF OF YOUR EMPLOYER, YOU WARRANT AND REPRESENT THAT YOU ARE AUTHORIZED AND EMPOWERED TO REVIEW AND ACCEPT THIS AGREEMENT ON BEHALF OF YOUR EMPLOYER ORGANIZATION.
The Internet web site for The First Citizens National Bank Online Banking is located at www.firstcitizensnational.com. By using The First Citizens National Bank Online Banking, you will have access to your account information 24 hours a day, 7 days a week. You can check your deposit and loan account balances and activity, make transfers of funds, make loan payments, and arrange bill payments through the Bill Payment Service.
All Online Banking Services are governed by this Agreement, all applicable federal regulatory disclosures, and the Deposit Account Terms and Conditions. By using any of the Online Banking Services and conducting transactions, you agree to abide by the terms and conditions of this Agreement, and any subsequent amendments. You authorize the Bank to use any of your accounts to execute and settle transactions and/or fees initiated by using the Online Banking Services. We have the right to change this Agreement and the terms and conditions governing the Online Banking Services offered. We will provide notice to you of any subsequent amendments by mail at the last known address shown on our records for you.
Acceptance of Agreement
Your initial use of any Online Banking Services in connection with your account at the Bank constitutes your acceptance and agreement to be bound by all of the terms and conditions of this Agreement and of the Deposit Account Terms and Conditions. Please read this Agreement carefully. You may want to print a copy for future reference. If you would like a current copy of the Deposit Account Terms and Conditions, please contact us by e-mail or telephone.
The Bank may, from time to time, introduce new Online Banking Services. By using those services when they become available, you agree to be bound by the terms contained in this Agreement, and its subsequent amendments.
Payments, Transfers, and Account Activity
Through Online Banking, you can review and download information on your checking, savings, certificate of deposit, and loan accounts to:
- Get balances on your accounts
- Get account activity
- View transactions and check images
- Transfer funds from checking to savings accounts
- Transfer funds from savings to checking accounts
- Make a payment from your checking or savings account to a loan account
By subscribing to our Bill Payment service, you can schedule bill payments through The First Citizens National Bank Online Banking. Refer to the information in our Bill Payment Service section.
Transactions initiated on The First Citizens National Bank Online Banking are Electronic Fund Transfers. Please contact us by e-mail or telephone to request a current copy of our “Understanding Your Deposit Account” with the details on Electronic Fund Transfer Rights and Responsibilities.
Your ability to initiate transactions between deposit accounts may be limited by federal law or by the terms of your deposit agreement with us. Bank transfers from deposit accounts that are savings or money market savings account are limited by federal regulations as follows:
Transfers from Savings Accounts or Money Market Savings Accounts to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six (6) per monthly statement cycle with no more than three by check, draft, or similar order to third parties.
Bill Payment Service
The Bill Payment service allows you to schedule bill payments through The First Citizens National Bank Online Banking. You must complete a separate Enrollment Form to subscribe to this service. The Bank does not provide the service directly. Instead, the Bank entered into an agreement with a bill payment provider to provide the bill payment services directly to you. A bill payment account (“Bill Payment Account”), separate from any account you hold at the Bank, is established at the Bill Payment provider.
The Bank and its Bill Payment provider reserve the right, at their discretion, to implement security features to reduce the risk of loss. These may include requiring pre-authorized drafts, verifying funds through an ATM network, and separating debits from credits so that payments are not sent until after good funds are received. The Bank and its Bill Payment provider also reserve the right to terminate your use of Bill Payment Services at any time.
We are strongly committed to protecting the security and confidentiality of our customer account information. We use several techniques to help secure our Online Banking Services including the following:
- You can only access The First Citizens National Bank Online Banking with certain browsers that have a high security standard.
- Security images and pass phrases are used to identify the web site.
- Your account numbers may or may not be displayed in full. Either the last four digits can be viewed or the entire account number may be displayed with Cash Management Online Banking.
- You must have a valid Username (Access ID) and Password to log on.
- Additional security questions will be prompted for when using a non-registered computer.
- If no action is taken for 10 minutes, you will be automatically logged off the Online Banking Service.
- All passwords must be changed when logging into Online Banking the first time. Online banking profiles will expire after 90 days on inactivity.
Despite the security techniques we have put into place, the Internet is a public network, subject to all of the risks to security and data corruption attendant thereto. You agree that we are not responsible for unauthorized access to or misuse of your account or property by unauthorized persons, except as provided in this Agreement, or for data corruption caused by Internet communications. You agree to make no attempt to access or use any account belonging to others. We may terminate your access and use of any The First Citizens National Bank website if we believe your access or use is infringing any rights of others.
To access The First Citizens National Bank Online Banking, you must have a personal computer equipped with a modem and a compatible web browser software and 128-bit data encryption capability. Compatible browser software includes, but is not limited to Microsoft Internet Explorer and Google Chrome, most recent versions. In addition to a compatible software browser, you must enroll with the Bank and have been issued an “Initial Online Password”.
We do not charge for our Online Banking product except for the specific activities outlined below.
Stop Payments (Refer to fee schedule) and BillPay (see appropriate BillPay Terms and Conditions)
In the event your payment account has insufficient funds to cover any fees, the Bank may deduct the fees from any other account you have at the Bank in any order it chooses. You are solely responsible for any telephone or Internet service provider charges incurred by you in accessing our Online Banking Services.
Username (Access ID) and Password
Your Online Banking Username (Access ID) and Password will give you access to your accounts at the Bank via The First Citizens National Bank Online Banking. (Further identity information may be required if the PC being used has not been previously registered.) You will receive an initial PIN by calling or visiting a branch. After your initial registration log on, you are required to choose an Username (Access ID) and Password. You can change your
Password at any time. Your access to The First Citizens National Bank Online Banking will be blocked in the event your Username (Access ID) or Password is entered incorrectly on three consecutive access attempts. If this occurs, please contact The First Citizens National Bank at 419-294-2351 or toll free at 888-378-1860.
The Bank is entitled to act upon instructions received through any Online Banking Service using your Username (Access ID), Password, and other identifiers such as PC registration and answers to personal information questions, without further inquiring into the identity of the person using the identifiers. You should not, under any circumstances, disclose your Username (Access ID), Password, or other identifiers, by telephone or any other means to any person you do not trust. You acknowledge no person from the Bank has a need for, or will ever ask for your Password or other identifiers used to identify you for login to the system unless a call has been initiated by you. You should never provide your Password or other identifiers used for system login to anyone, including anyone claiming to represent the Bank. You are liable for all transactions made or authorized using your Username (Access ID) and Password.
Protecting your Username (Access ID) and Password
You agree that if you give your Username (Access ID) and Password to anyone or fail to safeguard its secrecy, you do so at your own risk since anyone with your Username (Access ID) and Password may gain access to your accounts. You agree to notify the Bank immediately in the event your Username (Access ID) and Password is stolen or is otherwise compromised. At any time, you may ask the Bank to disable your Username (Access ID).
For joint accounts, each person may have a separate Username (Access ID) and Password, or each may use a joint Username (Access ID) and Password. Each person on a joint account will be liable for all transactions that are made on the account. Each person on a joint account authorizes all transactions made by any other person on the account. Each person on a joint account agrees to be liable for the action of the other person(s) on the account.
Indemnity to the Bank
You hereby indemnify and release the Bank from any and all liability. You further agree not to make any claim against the Bank or bring any action against the Bank for honoring or allowing any actions or transactions where you have authorized the person performing the action or transaction to use your account or when you have provided your Username (Access ID) and Password to that person. You agree to reimburse the Bank for any losses it suffers or any damages, injuries, costs, or expenses it incurs (including attorney’s fees) as a result of the Bank’s honoring or allowing transactions on the account where your Username (Access ID) and Password was used.
The Internet web site for The First Citizens National Bank Online Banking is located at www.firstcitizensnational.com. You can normally access The First Citizens National Bank Online Banking seven (7) days a week, 24 hours a day. However, at certain times, some or all of The First Citizens National Bank Online Banking may not be available due to system maintenance or reasons beyond the Bank’s control. The Bank does not warrant that The First Citizens National Bank Online Banking will be available at all times. When unavailable, you may use Telephone Banking, our telephone banking system, an automated teller machine (ATM), or any Bank branch banking center to conduct your transactions.
Funds Availability and Transfers
For determining the availability of funds in your Deposit Accounts, every day is a business day, except Saturdays, Sundays, and federal holidays. A transfer initiated through The First Citizens National Bank Online Banking on or before 6:00 PM Eastern Time on a business day is normally posted on the same business day. However, The First Citizens National Bank Online Banking transfer initiated after 6:00 PM Eastern Time on a business day would be posted on the next day. Transferred funds will be available for withdrawal on the business day The First Citizens National Bank Online Banking transfer was posted.
Unauthorized or Erroneous Transactions
You have certain rights and liabilities in instances where you believe 1) your Username (Access ID) and Password have been stolen; 2) that someone has transferred or may transfer money from your accounts without your permission; 3) your statement reflects transfers that you did not make; or 4) there is an error on your account. In all of these instances, to ensure timely notice to the Bank and expedite resolution of any problems or questions, please contact us by writing or calling:
THE FIRST CITIZENS NATIONAL BANK
100 N Sandusky Ave
PO BOX 299
Upper Sandusky, OH 43351
Business Days: Monday through Friday
Excluding Federal Holidays
Phone: (419) 294-2351
You may also contact us by sending an electronic mail message to us at 1Fcnbsupport@firstcitizensnational.com.
Information about your rights and responsibilities are defined in our “Understanding Your Deposit Account” brochure under the Electronic Fund Transfers Your Rights and Responsibilities section. Please contact us by email or telephone to request a current copy of “Understanding Your Deposit Account” brochure with the details on Electronic Fund Transfer rights and responsibilities.
Neither the Bank nor its suppliers will be liable for any transaction if (1) you do not have enough money in your account to complete the transaction; (2) a legal order prohibits withdrawals from your account; (3) your account is closed or has been frozen; (4) the transaction would cause your balance to go over the credit limit for any credit arrangement set up to cover overdrafts; (5) you, or anyone you allow, commits fraud or violates any law or regulation in connection with Online Banking; (6) any electronic terminal, telecommunication device or part of the electronic fund transfer system is not working properly; (7) you did not provide us with complete and correct payment or transfer information; (8) you did not properly follow the instructions for use of Online Banking; (9) you knew that The First Citizens National Bank Online Banking was not operating properly at the time you initiated the transaction or payment; (10) there is postal delay; or (11) circumstances beyond our control (such as fire, flood, or improper transmission or handling by a third party) that prevent, hinder or delay the transaction.
Electronic Mail (E-mail)
Sending e-mail is a very good way to communicate with the Bank regarding your accounts. However, your e-mail is normally sent via your own software and, as a result, is not secure. Because of this, you should not include confidential information, such as account numbers and balances in any unsecured e-mail to the Bank.
You cannot use e-mail to initiate The First Citizens National Bank Online Banking transactions. All such transactions must be initiated using appropriate functions within The First Citizens National Bank Online Banking site. The Bank will not be liable for any errors, omissions, claims, or problems of any kind involving your e-mail.
We reserve the right to discontinue your use of The First Citizens National Bank Online Banking if you have not accessed it in the last 90 days. Your Username (Access ID) and Password will be disabled.
Personal Computer Security Maintenance
As a user of the Internet, you must take responsibility for maintaining the security configuration of your computer .This includes 1) the proper configuration and usage of the operating system, firewall, and browser software 2) the installation of software security updates for the operating system and browser, and 3) installation and updating of anti-virus and spyware software. The First Citizens National Bank is not responsible for the consequences should the customer PC be attacked through the Internet by a worm, virus, or other software intended to do harm.
You may not appropriate any information or material that violates any copyright, trademark, or other proprietary or intellectual property rights of any person or entity while using The First Citizens National Bank Online Banking. You may not gain, or attempt to gain, access to The First Citizens National Bank Online server, network or data specifically permitted to you by the Bank or its suppliers, and you must not include any obscene, libelous, scandalous, or defamatory content in any communications with the Bank or its suppliers.
Agreement Modification and Termination
The Bank has the right to modify or terminate this Agreement or the Deposit Account Terms and Conditions at any time, for any reason without prior notice. When making any changes, the Bank will comply with all legal notice requirements. If this Agreement is modified, your continued use of the Online Banking Services will represent your acceptance of the changes.
You may terminate your use of The First Citizens National Bank Online Banking at any time by doing the following:
- Calling The First Citizens National Bank at 419-294-2351, or toll free at 888-378-1860.
- Writing to The First Citizens National Bank, PO Box 299, Upper Sandusky, OH 43351.
- Sending an electronic mail message to us through The First Citizens National Bank Online Banking.
Once this Agreement is terminated, the Bank will not allow any additional transactions on the account(s), nor will additional Online Banking Services be permitted.
If all of your accounts accessible through The First Citizens National Bank Online Banking are closed, access to The First Citizens National Bank Online Banking will be terminated automatically.
Termination of this agreement will not affect your liability or obligation for transfers processed by the Bank on your behalf.