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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.  You will receive an Online Banking welcome package in two to three business days.

After you have filled in the necessary data, click 'I Accept' at the bottom of the page.


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Online Banking Information Sheet, Disclosure, and Agreement

Welcome to First National Bank of Stigler Online!

This Online Banking Agreement and Disclosure (the "Agreement") discusses how you can use online banking 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. 

Under this Agreement, customers can use their online banking account to transfer funds between their First National Bank of Stigler accounts. If you are a business customer and do not wish to have the ability to transfer funds between accounts using online banking, please call us at 918-967-4665, and we will remove that function from your service.

If you use online banking, 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 Online later at your convenience.

FIRST NATIONAL BANK OF STIGLER SECURITY & PROTECTION FOR YOUR ACCOUNT
If you lose or forget your PIN or password, please call (918) 967-4665 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 Online Banking services. You may change your password at any time by using First National Bank of Stigler online services. 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 Online 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.

FIRST NATIONAL BANK OF STIGLER ONLINE E-MAIL COMMUNICATIONS
Electronic messages sent and received via the "Contact Us" option in FNB Online (i.e., once your Customer ID and password have been accepted by FNB and your browser shows that a secure connection has been established) are secure. Communications sent over the public Internet are not necessarily 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 Online Service�s section. 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 the Bank. You agree that First National Bank of Stigler may send you electronic messages about other products or services we offer.

REGISTRATION
Business Accounts. First National Bank business account customers may contact the Bank and enroll in FNB Online Banking Services or may sign up electronically through the FNB Homepage Online Banking Icon.
Affiliated or linked accounts attached to a Customer ID will be processed through the bank and will require a signed agreement. There are some limits on the accounts that can be linked to your Customer ID. After initial affiliation, the Customer ID administrator will determine which accounts to link to each User ID and what activity level is appropriate for each account linked to the User ID.

FUNDS TRANSFER SERVICE
Consumers that have a Customer ID and password from us will be able to transfer funds between First National Bank of Stigler accounts.  If you do not want to have the ability to transfer funds between accounts using FNB Online, or if you want to restrict the accounts from which you can transfer funds using your Customer ID and password, call us at (918) 967-4665 and we will make the necessary adjustments to this service for you.

The terms that apply to the Funds Transfer Service are set forth more fully below.

ONLINE PC BANKING FUNDS TRANSFER PROVISIONS

As a First National Bank of Stigler Online customer, you can make transfers between your First National Bank of Stigler deposit accounts over the Internet. All such transfers are subject to the terms of these Online Banking Funds Transfer Provisions.

By using the Funds Transfer Service, you agree to these Transfer Provisions.

1. 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 uses the funds transfer service, and each person who uses the funds transfer 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)," "FNB," �First National Bank,� or "Bank" refer to the First National Bank of Stigler depository institution that holds an account that is accessed by online banking.

"Business Day" means Monday through Friday, except banking holidays.

b. Sections of These Provisions Apply to Consumer and Business Customers.

Exclusion. When using the funds transfer service in connection with accounts established primarily for personal, family, or household purposes ("consumer" or "personal" accounts), Sections 1, and 2 (but not Section 3) of these Transfer Provisions apply to you. When using the funds transfer service in connection with accounts established primarily for business purposes, Sections 1, 2, and 3 of these Transfer Provisions apply to you.

c. Authorization to Charge Accounts. You are responsible for all transfers you or your authorized representatives make using the funds transfer 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 Customer ID and password, notwithstanding any provision that may be contained in other account documentation purporting to require more than one signature to withdraw funds from the account. If you permit another person to use First National Bank of Stigler Online or give them your Customer ID or password, you are responsible for transfers, payments or advances that person makes from the deposit and credit accounts linked to your online banking registration even if that person exceeds your authorization.

d. Schedule of Fees for the Funds Transfer Service. Fees applicable to the funds transfer service are disclosed under Charges and Fees below.

2. Online PC Banking Funds Transfer Service Particulars.

a. Types of Transfers; Posting. You can transfer funds between your checking and savings accounts using First National Bank of Stigler Online. All such transfers made before 3:00 p.m. on normal banking business days are effective after 3:00 p.m. the same day. Any transfer made after 3:00 p.m. on normal banking business days, on weekends, or on holidays will be effective after 3:00 p.m. on the following business day. Transfers to a line of credit account will not be reflected in your line of credit account until the business day following the day on which you complete the transaction. You cannot transfer funds between line of credit accounts using the funds transfer service.

b. Limits On Transactions. There is a maximum dollar limit on any transfer equal to the available balance in your account plus the available balance or credit balance in any other account or line of credit attached to the deposit account to provide overdraft protection. 

c. Availability. Funds must be available in the account from which you wish to transfer funds on the date you enter the transaction.

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 or withdrawals out of such an account per monthly statement cycle (not counting transactions made at ATMs or at banking centers). Transfers made by telephone, personal computer or funds automatically transferred from a savings or money market account to another deposit account for overdraft protection are counted toward the six total permitted monthly transfers or withdrawals. If your transactions exceed the legal limit, we will charge you a fee for each such transaction in excess of the legal limit. If you exceed the restrictions more than three times during a 12-month period, we will close the savings or money market account and transfer the funds to a checking account. We charge a fee for each withdrawal or transfer in excess of six per month. The amount of these fees and the minimum balances necessary to avoid these fees, where applicable, are set forth in the Schedule of Fees.

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, the transfer may not be completed. 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 First National Bank of Stigler Online and the information is transmitted to us. You can correct information about a transfer before you send the information, and you can use First National Bank of Stigler Online to reverse a transaction after it has been entered.

 g. Documentation and Verification of Transfers. The date and amount of transfers made through First National Bank of Stigler Online will be shown on the Transaction History screen of First National Bank of Stigler Online, and will also be shown on your printed statements for the accounts (from and to) the transfer is made.

3. Additional Provisions Applicable Only to Business Accounts.
When you transfer funds using First National Bank of Stigler Online in connection with business accounts, the information in Section 3 applies to you.

a. Enrollment Form. Before using the Service, you must execute an enrollment form and accept the set forth terms and conditions.

b. Protecting Your Customer ID and password. You agree that we may send confidential mailings, including Customer ID and password confirmations, 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 First National Bank 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 Customer ID and password 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 Customer ID and password that he or she is not to disclose them to any unauthorized person; and (3) immediately notify us and select a new Customer ID and password if you believe your confidential codes may have become known to an unauthorized person. The Bank shall have no liability to you for any unauthorized payment or transfer made using your Customer ID and password 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 Customer ID and password, even without receiving such notice from you, if we suspect they are being used in an unauthorized or fraudulent manner.

NOTE: WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN PINS OR PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL

c. 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 funds transfer 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. In no event shall the Bank be liable for interest compensation as described below, unless we are notified of a discrepancy within 30 days from the date of your first statement reflecting the discrepancy.

d. Acknowledgment of Commercially Reasonable Security Procedures. By using the funds transfer service, you acknowledge and agree that this Agreement sets forth security procedures for electronic banking transactions that 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).

e. Limitation of Bank's Liability. If we fail or delay in making a payment or transfer pursuant to your instructions, or if we make a payment or transfer in an erroneous amount which is less than the amount per your instructions, unless otherwise required by law our liability shall be limited to interest on the amount which we failed to timely pay or transfer, calculated from the date on which the payment or transfer was to be made until the date it was actually made or you canceled the instructions. We may pay such interest either to you or the intended recipient of the payment or transfer, but in no event shall we be liable to both parties, and our payment to either party shall fully discharge any obligation to the other. If we make a payment or transfer in an erroneous amount which exceeds the amount per your instructions, or if we permit an unauthorized payment or transfer after we have had a reasonable time to act on a notice from you of possible unauthorized use as described above, unless otherwise required by law our liability shall be limited to a refund of the amount erroneously paid or transferred, plus interest thereon from the date of the payment or transfer to the date of the refund, but in no event to exceed 60 days' interest. If we become liable to you for interest compensation under this Agreement or applicable law, such interest shall be calculated based on the average federal funds rate at the Federal Reserve Bank in the district where the Bank is headquartered for each day interest is due, computed on the basis of a 360-day year.

Unless otherwise required by law, in no event will the Bank be liable to you for special, indirect or consequential damages including, without limitation, lost profits or attorneys' fees, even if we are advised in advance of the possibility of such damages.

MISCELLANEOUS PROVISIONS RELATED AGREEMENTS
Your First National Bank accounts accessed by FNB Online continue to be governed by the following First National Bank of Stigler 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 (3) the applicable Miscellaneous Fees for Personal or Business Accounts. 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 funds transfer 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 funds transfer service if we believe that an actual or potential unauthorized use of your Customer ID, password or account may be occurring.
First National Bank of Stigler reserves the right to terminate your access to the FNB Online funds transfer 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 FNB Online. We will update this Agreement to notify you of these new services. By using FNB Online after those new services become available, you agree to be bound by the terms contained in the revised agreement.

LINKS TO OTHER SITES
Information that First National Bank of Stigler publishes on the internet may contain links to other sites and third parties may establish links to FNB�s site.  First National Bank of Stigler makes no representations about any other web site that you may access to, from or through this site. Unless expressly stated in writing, FNB does not endorse the products or services offered by any company or person linked to this site nor is FNB responsible for any software or the content of any information published on the site of any third party. You should take precautions when downloading files from sites to protect your computer software and data from viruses and other destructive programs. 

VIRUS PROTECTION
You agree that First National Bank of Stigler is not responsible for any electronic virus that you may encounter using FNB 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 unresolved, a virus may corrupt and destroy your programs, files and even your hardware.

ACCESSIBILITY
You can usually access FNB Online seven (7) days a week, twenty-four (24) hours a day. However, at certain times, some or all of Online Banking or On-line Financial Services may not be available due to system maintenance or reasons beyond FNB's control. First National Bank of Stigler does not warrant that Online Banking Services will be available at all times. When unavailable, you may use our telephone banking system (KWIK 918-967-3557), or an automated teller machine (�ATM�) to conduct your transactions. An Online Financial Service transaction initiated prior to 3:00 PM (Central Time) on a banking day is posted to your account the same day. All transfers completed after 3:00 PM (Central Time), or on a non-banking day, will be posted the following banking day.

RESTRICTIONS
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 Online Banking Services. You may not gain, or attempt to gain, access to any Online Banking Service server, network or data not specifically permitted to you by First National Bank of Stigler or its suppliers, and you must not include any obscene, libelous, scandalous or defamatory content in any communications with FNB or its suppliers.

OUR LIABILITY
Except as specifically provided in this Agreement or where the law requires a different standard, you agree that First National Bank nor any of its affiliates nor any third party service providers engaged by First National Bank to perform any of the services connected with FNB Online shall be responsible for any damages, loss, property damage or bodily injury, incurred as a result of your using or attempting to use the FNB 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 an agent or subcontractor of any of the foregoing. Nor shall First National Bank or any third party service providers engaged by First National Bank 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 equipment, software, FNB Online or Internet browser or access software, or from the unavailability of FNB Online or for any errors in information provided through that service.

CHARGES AND FEES 
Please refer to the latest version of your Schedule of Fees & Disclosure document and any applicable amendments. 

ENTIRE AGREEMENT
This Agreement, as it may be amended from time to time, contains the entire understanding between you and First National Bank concerning the FNB Online service, and supersedes any verbal conversations, other communications, and previous agreements, if any.

YOUR AGREEMENT TO THESE TERMS AND CONDITIONS
Your registration for FNB 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. No waiver of the terms of this Agreement will be effective, unless in writing and signed by an officer of this bank and you may not transfer or assign your rights or duties under this Agreement