The First National Bank of Chrisman
The First National Bank of Chrisman

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INTERNET BANKING AGREEMENT AND DISCLOSURE 

The following terms and conditions established by The First National Bank of Chrisman (the Bank) apply to your use of Online Banking Services.  The Bank reserves the right to modify these terms and conditions at any time, effective upon publication including posting on our Internet Web Site.  Your use of the Online Banking Services constitutes agreement to these terms and conditions and any subsequent modifications thereof.

Description of Online Banking Service

The First National Bank of Chrisman’s Online Banking Service is an electronic service provided via the Internet that permits you authorized access to:  Access information about certain deposits and credit accounts for which you are authorized to view information.

  • Transfer funds between authorized accounts.
  • Make Loan Payments
  • Communicate with the Bank using the Online Banking E-Mail Feature.

The service is provided free of charge.  The Bank may offer additional services in the future, which will be subject to these terms and conditions as from time to time modified.  If a change in the fee structure for Online Banking Services is planned, fees and charges for this service will not be changed without at least 30 days prior notice and shall be charged to your account.

In order to use the Online Banking Services, you will need to install Internet browser software on your computer if you do not already have it.  Modifications to the services in the future may require installation of upgrades to the browser software.  You are responsible for the installation, maintenance and operation of your browser software.

You must have at least one (1) active deposit or loan account with The First National Bank of Chrisman to use this service.

The service is generally available 24 hours a day, seven (7) days a week; however, the service may be unavailable from time to time for routine software and hardware maintenance or due to unscheduled down time.

General Terms and Conditions

You agree to indemnify, hold harmless and defend The First National Bank of Chrisman from and against any and all claims, actions, suits, judgments and expenses (including court costs and reasonable fees of attorneys, accountants, and expert witnesses) at your sole expense, arising from your failure to abide by the restrictions on use of the Online Banking Services set forth herein.  You agree that the following uses of the Online Banking Services are strictly prohibited:

  • Unauthorized communication of any account information to any other person or entity.
  • Unauthorized communication of any information concerning any password or other online access number, code, or identification or any other proprietary information belonging to any other person or entity.
  • Use of the Online Banking Service to copy, distribute or transmit copies of copyrighted materials belonging to any other person or entity is permitted only to the extent that the owner has provided  expressed permission to the user permitting such activity and the Bank has also approved such use in advance.  Copying or distributing or transmitting copyrighted materials other than with the permission as specified above is expressly prohibited.
  • Communicating any obscene or defamatory information.
  • Use of Online Banking Services in violation of any telecommunications, postal or other local laws or regulation of the users country of origin, the United States, or the State of Illinois, in furtherance or commission of any crime or other unlawful or improper purpose.
  • Any use of the Online Banking Services for any purpose other than conducting banking business pertaining to your account(s) with The First National Bank of Chrisman.

In addition, you agree to the following:  You acknowledge and understand that access to the account and funds transfer between pre-authorized accounts may be gained via telephone services by any person in possession of your tax identification number and account number; or via Online Banking Services by any person in possession of your access code and password.  You agree to restrict the distribution of the account numbers, password(s), and your ID code to authorized personnel.  You agree to indemnify and hold Bank harmless from and against any claims, damages or causes of action (including court costs and reasonable fees of attorney(s), accountants and expert witnesses) arising from the unauthorized use of this service.

Transmission of confidential business and sensitive personal information is at your sole risk for access by third parties.

The Bank reserves the right to monitor and review transmissions online and in storage and to remove or reject any material that the Bank, in its sole discretion, believes may be unlawful or objectionable without prior notice to you.

The policy of The First National Bank of Chrisman about gathering and using customer information provided by you, by using these services, is posted on out Web site (www.fnbchrisman.com) and may be amended from time to time.  By use of the services you agree to the policy.

Limitations and Liabilities:

First National Bank of Chrisman and its suppliers make no warranties or representations of any kind with respect to the Online Banking Services, whether expressed or implied, including but not limited to merchantability or fitness for particular purpose and neither the Bank nor the Bank’s suppliers nor anyone else who has been involved in the creation, production or delivery of the Online Banking Services assumes any responsibilities with respect to your use thereof.  No oral or written information or advice given by the Bank, the Bank’s suppliers or any of the Bank’s agents or employees shall create or increase the scope of a warranty or in any way decrease this limitation, and you may not rely on any such information or advice.

You explicitly agree that any liability of The First National Bank of Chrisman arising from the provision of Online Banking Services is limited to the fee you paid the Bank for the transaction which gave rise to the alleged liability.  You expressly waive any claims for additional, consequential, incidental, compensatory or punitive damages and agree that the damage provisions set forth herein are commercially reasonable in light of the value of such Online Banking Services (including the possibility that the fees you paid hereunder may not be sufficient to fully compensate for all losses, but such fees are in an amount as to make it unfeasible for us to be responsible for greater damage).

Any cause of action concerning the Online Banking Services under this agreement must be commenced within one year after such cause of action has occurred and be filed in the Circuit Court of the State of Illinois. 

Fees and Charges

The First National Bank of Chrisman will provide this service at no charge.  We will not change these rates without at least a 30 day prior notice.

Security Procedures

Standard security Log On procedures are to request your Online Banking access ID Code and password and additional authentication for security precautions.  You may change your password at anytime while online.  You agree that any use of the Online Banking Services indicates your acceptance of the Bank’s security procedures.  You agree that any request acted upon in good faith by the Bank in compliance with these security procedures, whether or not authorized by you, shall be treated as your authorized request.

Recording and Records

You authorize the Bank to record electronic transmissions between the Bank and you, or any person acting on your behalf, to keep those records as long as we consider it necessary.  If the Bank’s records about a payment are different than your records, the Bank’s records will govern.  The Bank’s records include written or electronic records, recordings, including, but not limited to any payment instructions received by the Bank.

Governing Law

The agreement shall be governed by the law of the State of Illinois and where applicable by federal law.

Balance Availability Disclaimer

Our online banking balances include the following current day activity:

  • Visa debit card transactions
  • Telebanking transfers and loan payments
  • Online banking based transfers and loan payments
  • Bank generated service charges
  • Stop payment and NSF Fees
  • ACH Transactions, which include:
    • Pre-authorized debits (for example – insurance premiums)
    • Direct deposits (for example – payroll)

Items noted with ‘Memopost Presentments’ have been presented to the bank, but have not been processed.  They do reflect in your ‘ Memo Available Balance’, but do not adjust your ‘Current Ledger Balance’ until processed.  However, additional physical presentments not yet received by the bank may adjust this balance throughout the day.  The bank cannot anticipate when physical items may be presented for payment.

Visa Debit Cards function on ‘Memo Available Balances’.  Therefore, an overdraft may be created if the Visa Debit Card is used and the ‘Current Ledger Balance’ falls below $0.00 even though the ‘Memo Available Balance’ may have reflected a positive balance earlier in the day.  This scenario is a result of additional presentments made to the bank during the day.  The bank does not have the information necessary to determine the customer’s book balance.  Only the customer can determine this amount.

Funds Availability

Funds deposited through teller transactions before 2:00 pm are available, subject to federal regulations, the next business day.  In some cases, we may delay your ability to withdraw funds beyond the first business day.  Then, the funds will generally be available by the second business day after the day of the deposit.  Business days are Monday through Friday, except federal holidays.

Privacy Statement

This statement is a privacy notice to you, our customer.

First National Bank of Chrisman respects the privacy expectations and rights of its customers regarding financial business.

First National Bank of Chrisman collects, retains, and uses information about individual customers only when we believe it would be useful (and allowed by law) in administering our business and to provide our products, services, and other opportunities to customers.  This information is obtained from application information, transaction information and consumer report information.

First National Bank of Chrisman will use a customer’s personally identifying information in our normal course of business.  Personal information will not be sold or distributed to other parties for marketing purposes.

First National Bank of Chrisman does not disclose any nonpublic personal information about our customers or former customers except as permitted by law.

We restrict access to nonpublic information about you to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic and procedural safeguards that comply with bank regulations to guard your nonpublic personal information.

Definition of Nonpublic Information

Nonpublic information means information about you that we collect in connection with providing a financial product or service to you.  Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

This disclosure applies to all customers who have a continuing relationship with us, such as:

  • Deposit Accounts
  • Loan Accounts
  • Safe Deposit Boxes

FIRST NATIONAL BANK OF CHRISMAN
147 West Monroe Ave.  PO Box 20
Chrisman, IL.  61924-0020
Ph. 217-269-2307   Fx.  217-269-3037
Telephone Banking:  1-866-400-2307

ONLINE BANKING ENROLLMENT FORM

To enroll in The First National Bank of Chrisman’s Online Banking Service, fill out the requested information and sign the form.  Return the form to The First National Bank of Chrisman.  This form must be presented in person.  First National Bank of Chrisman’s Online Banking Service is provided free of charge.

First Name:                           Middle Initial:             Last Name:                                     

Social Security Number:      -           -           Date of Birth:                                               

Address and Authorized User Information: (Access ID is Assigned by Bank)

Mailing Address:                                                       City:                           State:             

Home Phone:            (       )                          Business Phone: (      )                                            

City of Birth:                                      Mother Maiden Name:                                          

Email Address:                                                                                                                     

Account Information (Please provide the type of account and number for each account you wish to have access to online):

Type of Account (Checking, Savings, Loan, CD)        Account Number (Please provide complete numbers)
                                                                                                                                               
                                                                                                                                               
                                                                                                                                               
                                                                                                                                               
                                                                                                                                               

I (We) agree to the terms and conditions of the Online Banking Agreement and Disclosure available for First National Bank of Chrisman’s Online Banking Service.  I certify that the above information is true and complete as of this date.

Signature of Applicant                                                                              Date                                                                       

Signature of Co-Applicant                                                                        Date                                                                       

 

FOR BANK USE ONLY

SETUP COMPLETED BY:                                                                                   Date:                                                       

SETUP REVIEWED AND ADDED BY:                                                                              Date:                                                       

 

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