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CSB Online Information, Sheet, Disclosures, and
Access Agreement
Congratulations and welcome to CSB Online!
This Electronic Banking Agreement and Disclosure
(the "Agreement") discusses how you can use CSB Online
(the "Service") to obtain information about your accounts,
to transfer funds between your accounts, and to request certain
other bank services. It also contains the terms and conditions
governing the Service.
If you use this Service, you are bound by the terms
of this Agreement.
Under this Agreement, customers can use the Service
to transfer funds between their Citizens Security Bank & Trust
accounts. If you do not wish to have the ability to transfer funds
between accounts using CSB Online, please call us at (918) 366-4000
and we will remove that function from your Service.
If you use CSB Online, you thereby indicate your
consent to these terms. You may print a copy of this Agreement for
your records now, or you can refer to this document in the Online
Help section later at your convenience.
SECURITY & PROTECTING YOUR ACCOUNT
Citizens Security Bank & Trust Company is
strongly committed to protecting the security and confidentiality of
our customer account information. Citizens Security Bank & Trust
Company uses state-of-the-art technology in the ongoing development
of its Electronic Banking service to ensure this security. We use
several different methods to protect your account information:
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You can only access CSB Online with certain
browsers that have a high security standard.
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The bank's server has been certified as a
128-bit secure server by VeriSign, using Secure Sockets Layer (SSL)
protocol
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We use state-of-the-art firewall configuration
to insure only permitted data exchanges are allowed.
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You must have a valid Online ID and PIN to
logon.
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If no action is taken for 10 (ten) minutes, you
will be automatically logged off CSB Online.
Your Responsibility:
You agree….
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Not to give out your identifying information
such as your PC Password to any other person. The Bank may rely
on your Online ID to identify you when providing banking
services to you.
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Never to leave your account information
displayed in an area accessible by others.
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Never to leave your PC unattended while using
CSB Online.
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To always exit the system by clicking on EXIT
after using.
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To notify the Internet Banking Coordinator at
(918) 366-4000 immediately if you suspect that your Online ID or
PIN has become known to any unauthorized person.
CSB ONLINE E-MAIL COMMUNICATIONS
Electronic messages sent and received via the
"E-Mail" tab option in CSB Online (i.e., once Citizens
Security Bank & Trust and your browser shows that a secure
connection has been established have accepted your Online ID and
PIN) are secure. Therefore, we will not send, and we strongly
suggest that you do not send, any confidential account information
unless using the electronic communication options provided in our
E-Mail tab. You agree that we may take a reasonable time to act on
any e-mail. Correspondence that requires expeditious handling - for
example, if you need to report an unauthorized transaction from one
of your accounts, or if you need to immediately stop payment on a
check you have issued, should be made by calling Citizens Security
Bank & Trust Company. (The phone number for your local Citizens
Security Bank location is listed at the Citizens Security Bank home
page.)
FUNDS TRANSFER SERVICE
If you are a consumer and you have an Online ID and
PIN from us, you will be able to transfer funds between your
Citizens Security Bank accounts. If you do not want to have the
ability to transfer funds between accounts using CSB Online, or if
you want to restrict the accounts from which you can transfer funds
using your Online ID and PIN, call us at (918) 366-4000 and we will
make the necessary adjustments to this service for you.
ELECTRONIC BANKING FUNDS TRANSFER PROVISIONS
As a CSB Online customer, you can make immediate
transfers between your Citizens Security Bank deposit accounts
(Checking and Savings) over the Internet. All such transfers are
subject to the terms of these Electronic Banking Funds Transfers
Provisions (the "Transfer Provisions").
By using the Funds Transfer Service (the
"Service"), you agree to these Transfer Provisions.
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General Information.
a. Meaning of Terms. As used in the Transfer
Provisions, the following words have the meanings given below.
"You" and "your(s)" refer to
each person (including any business) who applies to use the
Service, and each person who uses the Service with the
permission of an applicant.
"Business" means any corporation,
partnership, limited liability company, sole proprietorship or
any other type of entity maintaining a deposit account for
commercial purposes.
"We", "us", "our(s)",
"CSB" or "Bank" refer to the Citizens
Security Bank & Trust Company depository institution (such
as CSB) that holds an account that is accessed by the Service.
"Business Day" means Monday through
Friday, except banking holidays.
b. Authorization To Charge Accounts. You are
responsible for all transfers you or your authorized
representatives make using the Service. You authorize us to
debit your designated account(s) for any transactions
accomplished through the use of the Service. You agree that we
may comply with transfer instructions entered by any one person
using an authorized Online ID and PIN, notwithstanding any
provision that may be contained in other account documentation
purporting to require more than one signature to withdraw funds
from the account.
c. If you permit another person to use CSB
Online or give them your Online ID or PIN, you are responsible
for transfers, payments or advances that person makes from the
deposit accounts linked to your Service registration even if
that person exceeds your authorization.
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Electronic Banking Funds Transfer Service
Particulars.
a. Types of Transfers; Posting. You can transfer
funds between your Checking and Savings accounts using CSB
Online.
b. Limits On Transactions. There is a maximum
dollar limit on any transfer equal to the available balance in
your account.
c. Availability. Funds must be available in the
account from which you wish to transfer funds on the date you
enter the transaction or on the date that a scheduled transfer
is to be made.
d. Restrictions on Transfers from Savings and
Money Market Accounts. Under Federal Reserve Board Regulation D,
you may make an unlimited number of deposits or transfers into a
savings or money market account; however, you may make no more
than six transfers per calendar month for savings accounts or
six transfers monthly statement cycle for money market account
to another of your own account at CSB or to a third party by
means of a pre-authorized agreement or automatic transfer or
telephone agreement. No more than three (3) of the six (6) such
transfers may be made by you and payable to a third party.
e. Insufficient Funds to Complete Transfer. If
your account does not have sufficient funds to complete a
transfer as of the date the transfer is scheduled to be made,
the transfer may not be complete, but if we do complete the
transfer as an accommodation to you, you are responsible for any
overdraft created.
f. Correcting or Canceling Your Transfer. You
cannot cancel your transfer after it has been entered in CSB
Online and the information transmitted to us. You can correct
information about a transfer before you send us the information,
and you can use CSB Online to reverse a transaction after it has
been entered. Scheduled transfers may be cancelled or deleted
before the date the transfer is scheduled to be made.
g. Documentation and Verification of Transfers.
The date and amount of transfers made through CSB Online will be
showed on the Transaction History screen of CSB Online and will
also be shown on your printed statements for the accounts from
which and to which the transfer is made.
h. Address and Telephone Number For Notification
of Unauthorized Use. If you believe your Online ID or PIN has
become known by an unauthorized person, or that someone has
transferred money without your permission, call Citizens
Security Bank & Trust Company immediately at: (918)
366-4000, or write to Citizens Security Bank & Trust
Company, PO Box 130, Bixby, OK 74008-0130. If you suggest that
an unauthorized transfer may have occurred, we may require you
to sign an affidavit.
Also contact us with any other questions or
problems that you may have regarding the Service, including:
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You have a problem with a transfer you
authorized using CSB Online, or your statement reflects a
transfer you think is in error.
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You need to obtain documentation concerning
a CSB Online transfer previously issued from you account.
i. Information will be disclosed to third
parties about your account or the transfers you make under the
following conditions:
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When it is necessary for completing
requested transfers.
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In order to verify the existence and
condition of your account for a third party such as a credit
bureau or merchant;
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In order to comply with government agency or
court orders and subpoenas.
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If you give us your written (including
electronic message) permission; or
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As otherwise permitted or required by law or
government regulations.
j. Protecting Your Online ID and PIN. You agree
that we may send confidential mailing, including Online ID and
PIN confirmation, to the current address shown in our records
for your primary checking account, whether or not that address
includes a designation for delivery to the attention of any
particular individual; and you further agree that CSB will not
be responsible or liable to you in any way in the event that
such properly addressed information is intercepted by an
unauthorized person, either in transit or at your place of
business.
You agree to:
(1) keep your Online ID and PIN secure and
strictly confidential, providing them only to authorized signers
on your account(s) or other trusted employees, agents, etc. who
you want to act as your representative to access your account(s)
(2) instruct each person to whom you give your Online ID and PIN
that he or she is not to disclose them to any unauthorized
person; and
(3) immediately notify us and select a new Online ID and PIN if
you believe an unauthorized person may know your confidential
codes.
The Bank shall have no liability to you for any
unauthorized payment or transfer made using your Online ID and
PIN that occurs before you have notified us of possible
unauthorized use and we have had a reasonable opportunity to act
on that notice. We reserve the right to suspend or cancel your
Online ID and PIN, even without receiving such notice from you,
if we suspect they are being used in an unauthorized or
fraudulent manner.
k. Your Obligation to Examine Records and Report
Discrepancies. The Bank provides no separate written
confirmation of individual payments or transfers. Confirmation
is provided through online information available from the
Service and through your periodic mailed account statements. You
agree to examine your statement promptly and to notify us
immediately of any discrepancy between the statement and your
other account records. You also agree to notify us immediately
of any discrepancy you may find in reviewing online information.
l. Acknowledgment of Commercially Reasonable
Security Procedures. By using the Service, you acknowledge and
agree that this Agreement set forth security procedures for
electronic banking transactions, which are commercially
reasonable. You agree to be bound by any instructions, whether
authorized or unauthorized, which we implement in compliance
with these procedures, unless you have given us prior notice of
possible unauthorized use as described above (and we have had a
reasonable opportunity to act on such notice).
m. Limitation of Bank's Liability. 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
exceptions. For instance, we will not be liable:
1. If, through no fault of ours, you do not have
enough money in your Account to make the transfer.
2. If the funds on deposit are under some restraint
due to some legal process or other encumbrance restricting the
transfer.
3. If the system was not working properly and you
knew about the breakdown when you started the transfer.
4. If circumstances beyond our control (such as fire
or flood) prevent the transfer despite reasonable precautions that
we have taken.
5. If you have reported your Online ID and PIN has
been misappropriated.
6. If your CSB Online service is cancelled.
7. In case of any error or malfunction which was not
intentional on our part and resulted in a good faith error.
8. Other exceptions stated in our agreement with
you.
MISCELLANEOUS PROVISIONS RELATED AGREEMENTS
Your CSB accounts accessed by CSB Online continue to
be governed by the following CSB agreements and documents, as they
are amended from time to time:
(1) Deposit Agreement and Disclosures
(2) The applicable Personal or Business Schedule of Fees, and the
applicable Miscellaneous Fees for Personal or Business Accounts.
If you have overdraft protection or accounts that are accessed by
the Service, they continue to be governed by the applicable
agreements you have with CSB. If any inconsistency exists between
such other documentation and this Agreement, then this Agreement
shall control to the extent of the inconsistency.
OUR ABILITY TO TERMINATE SERVICES
You are responsible for complying with all the terms
of this Agreement and with the terms of the agreements governing the
accounts to or from which transfers are made using the Service. We
can terminate your electronic banking privileges under this
Agreement without notice to you if you do not pay any fee when due,
or if you do not comply with any agreement governing your accounts,
or if any such account is not maintained in good standing.
We can also terminate the Service if we believe that
an actual or potential unauthorized use of your Online ID, PIN or
account may be occurring.
CSB reserves the right to terminate your access to
the CSB Online Service that is unused for a period of 180
consecutive days. A fee of $2.50 will be charged to re-activate the
service after this period.
CSB reserves the right to terminate your access to
the CSB Online Service or any portion of it in its sole discretion,
without notice and without limitation, except as may be required by
law.
AMENDMENT
We can amend this Agreement upon notice to you,
which you agree may be sent by E-mail. Any notice will be effective
not later than ten (10) days after we send the notice (unless a law
or regulation requires a longer notice period), whether or not you
have retrieved the notice by that time.
NEW SERVICES
We may, from time to time, introduce new services
that are part of CSB Online. We will update this Agreement to notify
you of these new services. By using CSB Online after these new
services become available, you agree to be bound by the terms
contained in the revised agreement.
VIRUS PROTECTION
You agree that Citizens Security Bank & Trust
Company is not responsible for any electronic virus that you may
encounter using CSB Online. We encourage you to routinely scan your
PC and diskettes using any reliable virus protection product to
detect and remove any viruses found. Undetected or unrepaired, a
virus may corrupt and destroy your programs, files and even your
hardware.
OUR LIABILITY
Except as specifically provided in this Agreement or
Where the law requires a different standard, you agree that Citizens
Security Bancshares Incorporated nor any of its subsidiaries or
affiliates (collectively, Citizens Security Bank & Trust
Company) nor any third party service providers engaged by CSB to
perform any of the services connected with CSB shall be responsible
for any damages, loss, property damage or bodily injury, incurred as
a result of your using or attempting to use the CSB Online Service,
whether caused by the equipment, software, Internet browser
providers such as Netscape (Netscape Navigator browser) or Microsoft
(Microsoft Internet Explorer browser), Internet access providers or
on-line service providers or any agent or subcontractor of any of
the foregoing. Nor shall CSB or any third party service providers
engaged by CSB be responsible for any direct, indirect, special or
consequential, economic or other damages arising in any way out of
the installation, use or maintenance of the damages arising in any
way out of the installation, use or maintenance of the equipment,
software, CSB Online or Internet browser or access software, or from
the unavailability of CSB Online or for any errors in information
provided through that service.
CHARGES AND FEES
Transfers of funds using CSB Online are free except
as follows: If the number of transactions that you are allowed
during a monthly statement cycle is limited. Transfers through CSB
Online are counted, and if you exceed the total number of authorized
transactions for those accounts, your account will be charged
according to the applicable Deposit Agreement and Disclosures for
your account.
YOUR AGREEMENT TO THESE TERMS AND CONDITIONS
Your registration for CSB Online confirms (1) your
agreement to be bound by all the terms and conditions of this
Agreement; and (2) your acknowledgment that you received and
understand the terms of this Agreement.
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