Online Banking Disclosure and Agreement
(We suggest you print a copy of the Online Banking Agreement for your records.)
NOTE: You must access your online account at least once every 90 days or your login information will be automatically removed from the system for security purposes.
About This Agreement
This Online Banking Agreement and Disclosure ("the Agreement") governs the use of PremierBank Online Banking service ("Online Banking") offered by PremierBank ("The Bank"). Online Banking allows the Bank customers to perform a number of banking functions through the use of a personal computer and the Internet. When you use any of the Online Banking services described in this Agreement, you agree to the terms and conditions of this Agreement. Your use of the Online Banking service does not change any other agreement you may already have with us. You should review those agreements for any applicable fees, for limitations on the number of transfers you can make, and for other restrictions which might impact the use of your account(s) with the Online Banking service.
Using Online Banking
In order to use the Online Banking service, you must have at least one account with the Bank. To access your account(s) via the Internet, you must have World Wide Web access via a Secure Internet Service Provider and an Internet browser that supports 128-bit encryption. The Online Banking product is best viewed using Internet Explorer 6.0 or greater; Netscape 6.1 or greater; or if you have a Mac PC, Internet Explorer for Mac 5.2 or greater.
You will receive an Access ID and Temporary Password (also referred to as "Personal Identification Number" or "PIN") from us within 2 to 3 business days after your Online Banking Application has been processed.
You agree that we are entitled to act upon instructions received through the Online Banking service under your Password and without inquiring into the identity of the person using that Password. However, you agree that you will not, under any circumstances, disclose your Password by telephone or any other means to any person. You acknowledge that no person from the Bank will ever ask for your Password and Bank employees do not need and should not ask for you Password. You are liable for all transactions made by the authorized use of your Password and agree that, if you give your Password to anyone, you do so at your own risk since anyone with your Password will have access to your accounts. At any time, you may ask us to disable your Password. You can change your password at any time.
For joint accounts, each person will have a separate Access ID and Password. Each person on a joint account will be liable for all transactions that are made on that 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 actions of the other person(s) on the account.
Limitations on Transfers and Payments
When you request a transfer between accounts or make a payment, you authorize us to withdraw the necessary funds from your designated account. You agree that you will instruct us to make a withdrawal only when a sufficient balance is available in your account at the time of withdrawal. If you do not have a sufficient balance, including available credit under any overdraft protection plan, we may either complete the transfer or payment – creating an overdraft – or refuse to complete the transfer or payment. In either case, we reserve the right to impose a non-sufficient funds (NSF) fee.
Transfers from Money Market Deposit Accounts
Federal regulation limits the number of preauthorized electronic fund transfers and telephone transfers – including transfers you request using the Online Banking service – from money market deposit and savings accounts. You are limited to six preauthorized electronic fund transfers and telephone transfers, checks and point-of-sale transactions per statement period. Each transfer or payment you request through the Online Banking service from your money market deposit account is counted as one of the six limited transfers you're permitted each statement period. However, payments to your loans at the Bank are not counted toward this limit.
Our business days are Monday through Friday, excluding bank holidays. Account transfer or loan payment instructions received after 5:00 p.m. (Central Time), or on a day we are not open for business, will be processed on the following business day.
Fees and Charges
There are no fees or charges for using the Online Banking service. However, depending on how you use the Online Banking service, you may incur other fees and charges including, but not limited to, normal account fees and service charges, any Internet service provider fees, and telephone charges.
Electronic Fund Transfers
Transfers Types and Limitations
For purposes of these disclosures, our business days are Monday through Friday. The following holidays are not included as business days: New Year's Day, Martin Luther King Day, President's Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veteran's Day, Thanksgiving Day, Christmas Day.
Financial Institution's Liability
Liability for 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. However, there are some exceptions. We will not be liable, for instance:
We will disclose information to third parties about your account or the transfers you make:
If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your cards and/or code without your permission if you had told us, you could lose as much as $500.
Also, if 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 statement was mailed 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 a hospital stay) kept you from telling us, we will extend the time periods.
Visa Debit Cards. Additional Limits on Liability for loss or theft. Unless you have been negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Visa card. This additional limit on liability does not apply to ATM transactions outside of the U.S., to ATM transactions not sent over Visa or Plus networks, or to transactions using your Personal Identification Number which are not processed by Visa. Visa is a registered trademark of Visa International Service Association.
2. Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen, call (920) 563-6616, or write: PremierBank, 70 North Main Street, Fort Atkinson, WI 53538.
You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.
Error Resolution Notice
In Case of Errors or Questions About Your Electronic Transfer, telephone us at (920 563-6616 or write us at PremierBank, 70 North Main Street, Fort Atkinson, WI 53538 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 the FIRST statement on which the problem or error appeared.
If you tell us orally, we may require that you send your complaint or question in writing within 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 45 days to investigate your complaint or question. If we decide to do this, we will re-credit your account within 10 business days for the amount you think is in the 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 business days, we may not credit your account.
For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or questions. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will 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.
Changes in Terms or Termination
We may change the terms of this Agreement from time to time and will notify you of such changes by mail or electronic message. Your continued use of the Online Banking service after the effective date of change will represent your acceptance of the changes. We also reserve the right to cancel this Agreement at any time, with or without cause and without prior notice. Examples of when we may cancel this Agreement and the use of the Online Banking service without prior notice include, but are not limited to:
PremierBank Alerts Terms and Conditions
Alerts. Your enrollment in PremierBank Online Banking and/or Mobile Banking (the "Service") includes enrollment to receive transaction alerts and notifications ("Alerts"). Alerts are electronic notices from us that contain transactional information about your PremierBank account(s). Alerts are provided within the following categories:
Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts through your mobile device. We may add new Alerts from time to time, or cancel old Alerts. We usually notify you when we cancel Alerts, but are not obligated to do so. PremierBank reserves the right to terminate its Alerts service at any time without prior notice to you.
Methods of Delivery. We may provide Alerts through one or more channels ("EndPoints"): (a) a mobile device, by text message, (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your PremierBank Online Banking message in-box, by an e-mail message. You agree to receive alerts through these EndPoints, and it is your responsibility to determine that each of the service providers for the EndPoints described in (a) through (c) above supports the email, push notification, and text message Alerts provided through the Alerts service. Please be advised that text or data charges or rates may be imposed by your EndPoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you Alerts. If your email address or your mobile device's number changes, you are responsible for informing us of that change. Your Alerts will be updated to reflect the changes that that you communicate to us with regard to your primary and secondary email addresses or mobile device number.
Alerts via Text Message. To stop Alerts via text message, text "STOP" to 96924 at any time. Alerts sent to your primary email address will be unaffected by this action. to restore Alerts on your mobile phone, just visit the Alerts tab in PremierBank Online Banking and click the box next to your mobile number for the Alerts you'd like to receive again. For help with SMS text alerts, text "HELP" to 96924. In case of questions please contact customer service at (920) 563-6616. Our participated carriers include (but are not limited to) AT7T, Sprint PCS, T-Mobile, U.S. Cellular, Verizon Wireless, Metro PCS.
Limitations. PremierBank provides Alerts as a convenience to you for information purposes only. Al Alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide Alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any Alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside PremierBank's control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold PremierBank, its directors, officers, employees, agents, and service providers liable for losses or damages, including attorneys' fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose.
Alert Information. As Alerts delivered via SMS, email and push notifications are not encrypted, we will never include your passcode or full account number. You acknowledge and agree that Alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your Alerts will be able to view the contents of these messages.
You agree to the forgoing Consumer Online Banking Agreement.