Thank you for your interest in Online Banking. Before we get started, make sure you have the following information:
-Your account number at our bank
-Your Social Security Number (SSN) or Tax Identification Number (TIN)
-The email address on file with us
Please Note: If we do not currently have your email address, or you are unsure about which email address is on file, please call our Online Banking Support at (610) 681-1923
If your online enrollment application is accepted, you will be asked to confirm your identity through a link via a confirmation email.
If you have any trouble completing this process, please call our Online Banking Support at (610) 681-1923
By clicking "I Agree", I hereby agree to the Online Banking Agreement listed below.
FIRST NORTHERN BANK AND TRUST CO.ONLINE BANKING AGREEMENT
Definitions
In this Agreement, the words:
I. Overview
A. What’s Part of This Agreement
Online Banking Services allow you access and manage your Account(s) with us online via a personal computer or any internet capable device equipped with supported browsers and other hardware and software set forth in Section II of the Agreement and on the Website.
Certain Online Banking Services are also available as Mobile Services. Please review Section III, titled Mobile Deposit Agreement, for information specifically available to Mobile Deposit.
B. Conflicts between Agreements
If this Agreement conflicts with any other agreements related to your Eligible Account or Online Banking Service, or the other agreements include terms that are not addressed in this Agreement, then the other agreements will control and take precedence, unless this Agreement specifically states otherwise. The other agreements will only control with respect to the Eligible Account or Online Banking Service with which it is associated, and only to the extent necessary to resolve the conflict or inconsistency. Additional provisions of other agreements regarding your Eligible Account or Online Banking Service that do not appear in this Agreement will continue to apply.
C. Accepting the Agreement and Future Changes
Except as otherwise required by law, we may in our sole discretion change the terms of this Agreement form time to time and at any time. This may include adding new or different terms, or removing terms from this Agreement. When changes are made, we will update this Agreement on the Website and within Online Banking.
The Website will be updated on or before the effective date of the revised Agreement, unless an immediate change is necessary as required by law to maintain the security of the Website or for other legal reasons. You will be notified if we revise, modify or otherwise update this Agreement. Your use of any of the Online Banking Services after the effective date of the new version of this Agreement will constitute your acceptance of the new version of this Agreement.
D. Authorized Account Owners and Joint Owners
If an Eligible Account is owned by more than one person, each such person individually has the right to provide us with instructions, make any decision, obtain any information or make any request associated with the Eligible Account and related Online Banking Services, to the extent allowed by the terms, conditions or governing provisions of the Eligible Account. We may rely and act on the instructions of any Authorized Account Owner. If we provide notice to one Joint Owner, all Joint Owners are deemed to have received notice. Access to certain Online Banking Services may require Joint Owners to have a unique user id, watermark image and password.
II. Online Banking Services (Our Online Product Suite)
This agreement states the terms and conditions that apply when you use First Northern Bank & Trust Online banking (FNB Online) service at www.1stnorthernbank.com. These terms and conditions are in addition to those that apply to any accounts you have with us or any other services you obtain from us. You are also required to follow all of our instructions and procedures applicable to the services covered by this agreement. Subject to the terms of this Agreement, you may use the Online Banking Services to access, use, and manage your Eligible Accounts. The types of Online Banking Services are described generally in this Agreement and more fully on our Website and may change from time to time, at our sole option. Not all transaction and services are available for all products.
A. Overview
B. Online Banking Services for Eligible Accounts
Below is a summary of the Online Banking Services that are available for each type of Account subject to this Agreement. Online Banking Services are available for each type of Account. Certain Online Banking Services are also available as Mobile Services.
All account types may be viewed online and you may send secure e-mails regarding any account. Personal Checking, Now Checking, and Money Market Checking Accounts are also eligible for e-Statements, Alerts, Internal Transfers, External Transfers, Bill Pay, and Online Financial Management (OFM). Statement Savings Accounts may receive e-Statements, Alerts, and complete Internal and External Transfers.
C. Access to Online Banking Services and Your Obligations
You may access your Eligible Accounts through the www.1stnorthernbank.com Website. In order to do so you must have a user id, a password and the required hardware and software as described in this Agreement or on the Website. You must comply with any security procedures and policies we may establish from time to time.
D. Electronic Funds Transfers
1.Types of Electronic Funds Transfers Available Online:
Please review the First Northern Bank and Trust Electronic Funds Transfers agreement and policy for additional important information regarding Electronic Funds Transfers.
E. Bill Pay
If you have a Bill Pay Eligible Account and your mailing address on file with First Northern Bank and Trust Co. is a valid U.S. address, you may use our Bill Pay service. Payments initiated through Bill Pay must be directed only to Payees with a valid U.S. address. Transaction amounts may be limited, notwithstanding the amount in your Bill Pay Eligible Account.
When setting up Payees and payments in Bill Pay, you must provide us with information on your Payee accounts. You must make sure this information is accurate and complete, and you agree to update it as necessary to keep it accurate and complete.
We may engage one or more Vendors to provide the Bill Pay service on our behalf.
F. Joint Accounts
If there is a Joint Owner associated with the Bill Pay Eligible Account, you and the Joint Owner consent to permit us to disclose information concerning the Bill Pay Eligible Account bill payments, completed, pending and schedule, to other Joint Owners. Joint Owners may use the same Bill Pay Eligible Accounts for their individual use of Bill Pay. Each Authorized Account Owner has the same right of access to Bill Pay services such as notifying a support representative of suspected loss or fraud or canceling Bill Pay, etc. Each Authorized Account Owner must individually enroll in Bill Pay and, if so enrolled, will have a separate Payee list and payment history.
G. Using Bill Pay
1.How Bill Pay Works:
2.Payment Authorization and Available Funds
3.Canceling Payments; Stop Payments; Refunds or Reversals
4.Questions and Errors
In case of questions or errors about the Bill Pay services, contact us at (800) 344 - CASH. We must hear from you no later than 60 days after we have sent the first paper or online statement on which the problem or error appeared. If you notify us verbally, we may require that you send us your complaint or question in writing within 10 Business Days. When you tell us about the problem, please include:
H. Online Banking Alerts (Online Financial Management)
1.Subscription Alerts: You may choose to sign up to receive certain email alerts related to your Eligible Account such as tracking spending in a certain category. (“Subscription Alerts”).
The following apply to Email Subscription Alerts:
I. Electronic Eligible Account Statements
Eligible Account Statements: Eligible Account Statements are sent by U.S. Mail to Authorized Account Owners. They are also available online to Primary or Joint Owners. If Primary Owners or Joint Owners would prefer to receive Account statements online ONLY, preferences can be managed in the e-docs tab of the Website. Please note: if both, the Primary and the Joint Owner, are set up for Online Banking, whoever signs up for e-Statements first will be the one to receive them. The person receiving the e-Statements may then add the joint owner of the account as an authorized person to view the e-Statements.
Your FNB Online payments and transfers will be indicated on your monthly statements. You agree to notify us if you change your address or if you believe there are any errors or unauthorized transactions on any statement, or statement information.
J. Equipment and Supported Browsers
1.You are responsible for obtaining, maintaining and operating your own equipment used to access and perform Online Banking Services including but not limited to transactions and payments. We will not be responsible for any failure or errors resulting from the malfunction of your equipment. We support non-beta versions of the following browsers and platforms for accessing the Online Banking Services via our Website:
2.A compatible web browser that supports XHTML), SSL encryption, and JavaScript. Many browsers work with our site, but the following work best:
Other Browsers and Platforms may also work, but we only support them minimally, if at all. Please use the versions noted for optimal display.
K. Certain Other Terms and Conditions
1.Business Days: Our Online Banking services are generally available 24 hours a day 7 days a week, although some or all FNB Online services may not be available due to emergency or scheduled system maintenance. We process transactions and update information on business days. Our business days are Monday through Friday. Transfers made after 5:00 PM will be processed on the next business day. Holidays are not included.
2.Customer Support Hours of Operation: For Online Banking and Bill Pay, the hours of operation are Monday through Friday from 9:00 am to 5:00pm. Although bill payment transactions will only be processed on business days, you can access bill pay 24 hours a day, seven days a week, except during any scheduled maintenance periods. Business days for bill payment transactions are defined as Monday through Friday, except bank holidays. All bill pay transactions made after 1:00pm EST are processed on the following business day.
3.Our Responsibility - We, or a third party acting as our agent, are responsible for completing fund transfers and bill payments from your account (s) on time and according to your properly entered and transmitted instructions. 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 and damage. However, neither we, nor the service provider will be liable:
4.Liability for Failure to Make Transfers - If we do not complete a transfer to or from you account on time or in the correct amount according to our Agreement with you, we will be liable for you losses or damages. However, there are some exceptions to this liability. For instance, we will not be liable in the following circumstances:
(1)Alterations and Amendments: The terms of this Agreement, applicable fees and service charges may be altered or amended by the Bank from time to time. In such event, the Bank will post amended terms or conditions on the Frequently Asked Questions screen on the Web Site. Any use of the service after the Bank posts the change will constitute your agreement to such change (s). Further, the Bank may from time to time revise or update the programs and/or related material, which may render all such program versions obsolete. Consequently, the Bank reserves the right to terminate this Agreement as to all such prior versions of the service, and/or related material and limit access to the Bank's more recent revisions and updates of the service.
(2) Indemnification: Customer agrees to indemnify (reimburse for all losses and damages incurred) and hold harmless First Northern Bank & Trust from any and all claims, actions, causes of action, damages, losses and other expenses resulting from the Customer furnishing to Another person, or entity (individually and collectively, a "third person), other than First Northern Bank & Trust and its employees, account information, account identification number (s), social security number, account ID, Passwords of Customer and the third party uses the information to transfer funds from the accounts or for any other purposes not expressly authorized by this application.
(3)Disputes: In the event of a dispute regarding the service, you and the Bank agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement for the agreement between you and the Bank which supersedes any prior agreement, oral or written, and any other communications between you and the Bank relating to the subject matter of this agreement, except to the extent that this Agreement may be subsequently modified by the Bank posting additional terms and conditions on the Web Site as described under the Alterations and Amendments section of this Agreement above. If there is a conflict between what a Bank employee says and the terms of this Agreement, the terms of this Agreement shall control.
(4)No Waiver: The Bank shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the Bank. No delay or omission on the part of the Bank in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights and remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.
(5)Fees and Charges - There is no service fee for Online Banking and transfers. There is no service fee for Online payment services.
(6)Governing Law - This Agreement shall be governed by and construed in accordance with the laws of the State of Pennsylvania, without regards to its conflicts of law provisions.
III. First Northern Bank & Trust Mobile Deposits Agreement
This First Northern Bank and Trust Agreement will govern your use of the First Northern Bank and Trust Mobile Deposit service. You may not use Mobile Deposit to make contributions to your IRA.
A. What is Mobile Deposit?
Mobile Deposit allows you to make deposits to your First Northern Bank & Trust account remotely by making images of checks and transmitting images of such checks to us in compliance with our requirements. If we accept the image for Mobile Deposit, we will then present the item for payment to the payer bank by presenting the image or converting the image to a substitute check. Unlike traditional check deposits, you retain the original paper check when you use Mobile Deposit. The manner in which these substitute checks or images are presented for payment will be determined by us in our sole discretion.
B. Eligibility
Your eligibility for our Mobile Deposit service is determined by our sole discretion. We may suspend or terminate your use of Mobile Deposit at any time and without prior notice to you. If you violate the terms of this Mobile Deposit Agreement, then we also may use such actions as a basis to terminate your account relationship with us.
C.Mobile Deposit Fees
There is no charge for Mobile Deposit, but other fees, such as for returned items and overdrafts may apply. See our Service Fee Schedule for detailed information.
D. Limits
We may impose limits on the dollar amount or number of deposits you make through Mobile Deposit.
1.Consumer Limits
2.Small Business Limits
E. Technical Requirements
You agree that in order to use Mobile Deposit, your Mobile Device or other equipment must meet the current technical requirements we specify, as such may change from tome to time, and you must have access to the internet. When using Mobile deposit you may experience technical or other difficulties, including, without limitation, transmission problems. We are not responsible for the result of such technical or other difficulties. In particular, each image of a check you attempt to deposit using Mobile deposit must be legible, as determined by us. If your device produces check images that we determine are not of acceptable quality, we may reject your deposit. We are not responsible for problems arising out of your equipment or internet connections even if you are using equipment that meets our technical requirements.
F. Prohibited Checks
We may decline to accept any image of a check you submit through Mobile deposit in our sole discretion. Without limiting that discretion, you agree that you will only seek to deposit “check,” as that term in defined in the Federal Reserve’s Regulation CC, 12, C.F.R. Part 229. You agree that you will not scan and attempt to deposit any of the following:
G. Acceptable Use of Mobile Deposit
You must fully comply with the terms of this Mobile Deposit Agreement and all applicable law when you use Mobile Deposit. If you breach any of the terms of the Mobile Deposit Agreement, we may immediately terminate your authority to use Mobile Deposit. On the consumer level, you may use Mobile Deposit only for personal, family and household services, and not business purposes.
H.No Warranty
Your use of Mobile Banking is at your sole risk. Mobile deposit is provided on an “As Is” and “As Available” Basis. We expressly disclaim all warranties of any kind as to Mobile Deposit, whether expressed or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement
I. Limitation of Liability
We will not be liable for any direct, special, indirect punitive or consequential damages, including without limitation lost profits or revenues resulting from your use or inability to use Mobile deposit even if we are advised in advance of the possibility of such damages.
J.Endorsement
For any check deposited as an image through Mobile deposit, you must provide any necessary endorsement on the check before you scan or photograph the check. Checks received that are not properly endorsed may be rejected for deposit. We recommend that you restrictively endorse the check. For example, we recommend that a check payable to the order of John Smith be endorsed:
John Smith
For Mobile Deposit Only
K.Receipt of Check Image
We are not responsible for check images we do not receive or that are dropped during transmission. A check image will be deemed received by us only when we provide an e-mail confirmation receipt to you that we have received your check image. When we confirm receipt of your check image, the image will still be subject to review before we present it for payment and may still be rejected by us for any reason in or sole discretion. A confirmation is not a representation, warranty, or other indication that the check image will be presented for payment or will be honored by any paying bank. If we reject a check image received through Mobile deposit, then you may submit the original check to us by mail or at any branch for processing unless we instruct you otherwise. If you do submit the original check for processing, we reserve the right to refuse to process it.
L.Retention of Original Check
Once your check image has been credited to your account, you must retain the original check for (14) days; and then destroy it or mark it “VOID” or in some other way as to prevent its negotiation. You may not present the original check or any image or substitute check created from the original check for payment at any other financial institution. During this 14 day period, you must store the original paper check securely using precautions at least as secure as those you would use to protect a blank check and you must make the original paper check available to us for review at any time and as necessary for us to facilitate the check collection process, to address third party claims, or for our own audit purposes. Should you fail to produce the original paper check,. You authorize us to deduct the amount of the check in question from your account, regardless of whether such action may cause your account to not have sufficient funds, and to pay any associated fees.
M.Return Items
You understand that we may convert items you deposit through Mobile deposit into substitute checks, images, or ACH entries. As a result, in the even that your item is returned unpaid, you will only receive a copy of the substitute check or image, or in the case of ACH entries, the Automated Clearing house information.
N.Funds Availability
We generally apply First Northern Bank & Trust’s Funds Availability Schedule to check images received through Mobile deposit as if we had received the original paper check. However, we may delay availability of funds from any deposit you make through Mobile deposit at any time in our sole discretion, including due to any concern we may have regarding our ability to collect based upon any check image that you present.