Sign Up for Internet Banking
Please provide us with the information requested below. After you fill out and submit this form,
it will be emailed to the appropriate bank representative via SECURE email.
We will contact you to confirm your request for an on-line
account during normal business hours. |
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IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT.
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial
institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information
that will allow us to identify you. We may also ask to see your driver's
license or other identifying documents.
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*REQUIRED Entries
Commercial State Bank
INTERNET BANKING AGREEMENT & ELECTRONIC FUND TRANSFERS
Type of Transfers
You may access your accounts by computer using your password and your social security number/account number to:
- transfer funds between your checking and savings accounts
- make loan payments from checking and savings accounts
- get information about checking and savings account balances, deposits and withdrawals in the last statement cycle
- get account balance of certificates of deposit and loans.
Limitations on Frequency of Transfers
Transfers from a savings or
money market account to another account or to third parties by
preauthorized, automatic, telephone, or computer transfers are subject to
fees based on your type of account.
For security reasons there are other limits on the number of
transfers you can make by computer.
LIABILITY FOR
FAILURE TO COMPLETE TRANSACTION 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 as provided by law. However, there are some exceptions. We will
NOT be liable, for instance:
- If through no fault of ours, you do not have enough money in your account to make the transfer.
- If the transfer would result in your exceeding the credit limit on your line of credit, if you have one.
- If circumstances beyond our control (such as fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken.
- If we have terminated our Agreement with you.
- If we receive inaccurate or incomplete information needed to complete a transaction.
- In the case of preauthorized transfers, we will not be liable where there is a breakdown of the system which would normally handle the transfer.
- If the funds in the account are subject to legal action preventing a transfer to or from your account.
There may be other exceptions provided by applicable law.
Periodic Statements You will get a monthly account statement from us
for your checking accounts. You will get a quarterly account statement
from us for your savings accounts.
Your Rights and Liabilities
Security of your transactions is important to
us. Use of the Internet Banking services will therefore require a PIN or
password. If you lose or forget your PIN or password, please call
972-449-2283 during normal business hours. We will accept as
authentic any instructions given to us through the use of your password or
PIN. You agree to keep your PIN and password secret and to notify us
immediately if your PIN or Password is lost or stolen or if you believe
someone else has discovered your PIN or password. You agree that if you
give your PIN or password to someone else, you are authorizing them to act
on your behalf, and we may accept any instructions they give us to make
transfers or otherwise use the Internet Banking services. You may change
your password at any time by using TeleWeb. We may be liable for certain
security breaches to the extent required by applicable law and regulation.
We do not assume any other liability or otherwise guarantee the security
of information in transit to or from our facilities. Please note that we
reserve the right to (1) monitor and/or record all communications and
activity related to the Internet Banking services; and (2) require
verification of all requested transfers in the manner we deem appropriate
before making the transfer (which may include written verification by
you). You agree that our records will be final and conclusive as to
all questions concerning whether or not your PIN or password was used in
connection with a particular transaction. If any unauthorized use of
your PIN or password occurs you agree to (1) cooperate with us and
appropriate law enforcement authorities in identifying and prosecuting the
perpetrator; and (2) provide reasonable assistance requested by us in
recovering any unauthorized transfer of funds. Notify us immediately if
you believe your PIN or password has been lost or stolen. Telephoning is
the best way to keep your possible losses down. You could lose all of the
money in your account (plus your maximum line of credit). If you tell us
within two (2) business days you can lose no more than $50.00. If you do
NOT tell us within two (2) business days after you learn of the loss or
theft of your PIN or password, and we can prove we could have stopped
someone from using your PIN or password without your permission if you had
told us, you could lose as much as $500.00. Also, if your statement shows
transfers that you did not make, tell us at once. If you do not tell us
within sixty (60) days after the statement was mailed to you, you may not
get back any funds you lost after the 60 days if we can prove that we
could have prevented someone from taking the funds if you had told us in
time. If you believe your PIN or
password has been lost or stolen or that someone has transferred or may
transfer money from your account without your permission, call
972-449-2283 during normal business
hours.
DEFINITION OF BUSINESS DAY
Business days are Monday through Friday - 8:00am - 5:00pm
WE
CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN PINS OR PASSWORDS OR
UNAUTHORIZED TRANSFERS VIA E-MAIL
Error
Resolution Notice In case of errors or
questions about your electronic transfers call us at 972-449-2283 or write
us at: Commercial State Bank, PO Box 820, Palmer, TX 75152.
Notify us immediately if you think your statement or receipt
is wrong or if you need more information about a transaction 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 first
appeared. (1) Tell us your name and account number. (2) 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
information. (3) Tell us the dollar amount of the suspected
error. If you 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 (20 business
days for new accounts) 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 for new accounts or point-of-sale or foreign-initiated transfers) to
investigate your complaint or question. If we decide to do this, we will
credit your account within 10 business days (20 business days for new
accounts) for the amount you think is in error, so that you will have 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 30
days after the first deposit is made. 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 the
account is opened.
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.
Confidentiality We may disclose
information to third parties about your account or the transactions you
make: a) where it is necessary for completing transactions or resolving
errors involving the Services; or b) in order to verify the existence
and condition of your account for a third party, such as a credit bureau
or a merchant; or c) in order to comply with government agency
rules, court orders, or other applicable law; or d) to our employees,
service providers, auditors, collection agents, affiliated companies, or
attorneys in the course of their duties and to the extent allowed by law;
or e) if you give us permission.
Limitation of Liability Except as
otherwise provided in this Agreement or by law, we are not responsible for
any loss, injury, or damage, whether direct, indirect, special, or
consequential, caused by the Internet Banking service or the use thereof
or arising in any way out of the installation, operation, or maintenance
of your PC equipment.
Waivers No waiver of the terms of this
Agreement will be effective, unless in writing and signed by an officer of
this bank.
Assignment You may not transfer or
assign your rights or duties under this Agreement.
Governing Law The laws of the State of
Texas shall govern this Agreement and all transactions hereunder. Customer
acknowledges that he/she has reviewed this Customer Agreement, understands
the terms and conditions set forth herein, and agrees to be bound
hereby.
Indemnification Customer, in
consideration of being allowed access to the Internet Banking services,
agrees to indemnify and hold the Bank harmless for any losses or damages
to the Bank resulting from the use of the Internet Banking services, to
the extent allowed by applicable law.
Commercial State Bank 1045
N. Interstate 45 P.O. Box 820 Palmer, TX 75152
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