This Internet Banking Agreement governs your use of First State Bank and Trust Company, Inc.’s internet banking products (e.g. "NetTeller", mobile banking). By using our Internet Banking products, you agree to all of the terms of this agreement. Please read it carefully and keep a copy for your records. The terms "You" and "Your" means any person(s) who applies for Net-Teller with First State Bank and Trust Company, Inc. through completion of a NetTeller Enrollment Form or uses NetTeller. "We," "our," "us," and "Bank," refers to First State Bank and Trust Company, Inc. "Business Day" means Monday Friday, except for federal banking holidays. "NetTeller", “mobile banking”, “Mobi”, “Internet Banking products” or "First State Bank and Trust Company Internet Banking" means our services that allow you to access your accounts, make payments, transfer funds, obtain information, and perform other transactions over the Internet by use of any of your electronic devices (e.g. personal computer, cell phone, PDA, etc.). NetTeller can be accessed through our website at www.fsbtrust.com. Mobi can be accessed through our website at https://www.fsbtrust.mobi. Each of your accounts at First State Bank and Trust Company, Inc., which are accessed by our Internet Banking products continue to be governed by the applicable Account Agreement and Regulations Relating to Deposit Accounts including the Electronic Fund Transfer Act.
This Act establishes the basic rights, liabilities, and responsibilities of consumers who use electronic money transfer services and of financial institutions that offer these services. Electronic fund transfers are transfers of funds (debits or credits) to the consumer's deposit account by electronic means in lieu of conventional paper-based entries such as a check or deposit ticket. All Internet banking transactions are governed by this regulation. Please read the disclosure carefully and keep it for future reference.
Available Services Through Mobi (mobile banking):
First State Bank and Trust Company, Inc. may, from time to time, introduce new Internet banking services. We will update this First State Bank and Trust Company Internet Banking Agreement when this occurs. By using these services when they become available, you agree to be bound by the terms contained in this First State Bank and Trust Company Internet Banking Agreement. If you initiate a transaction using one of our Internet Banking products after the publish date of the revised agreement, this constitutes your acceptance of the revised agreement as published.
To access your accounts through NetTeller, you must have a First State Bank and Trust Company, Inc. account, complete an Internet Banking Enrollment Form, and be approved for using this service. If approved, you will be assigned an internet banking ID and temporary PIN for accessing your account(s). You will be forced to change this assigned PIN to a private PIN the first time you log into the system. You will also need a personal computer, Internet service/access, and a compatible web browser with 128-bit data encryption (e.g. Microsoft Internet Explorer, Mozilla Firefox). You can download the required web browser of your choice for FREE at the following web addresses: Microsoft Internet Explorer: www.microsoft.com/downloads Mozilla Firefox: www.mozilla.com
You are responsible for the operational functionality of your computer and your Internet browser software. The Bank is not responsible for any failures, incompatibility, or errors from any malfunction of your computer or your software. First State Bank and Trust Company, Inc. is not responsible for any electronic viruses that you may encounter while you are on the Internet. The Bank has no liability to you for any damage or other loss, direct or consequential, which you may suffer or incur by reason of your use of your computer or your software.
To access your accounts through Mobi, you must have a First State Bank and Trust Company, Inc. account, complete an Internet Banking Enrollment Form, and be approved for using this service. If approved, you will be assigned an internet banking ID and temporary PIN for accessing your account(s). You will be forced to change this assigned PIN to a private PIN the first time you log into the system. You will also need a compatible cell phone or PDA device with 128-bit data encryption (e.g. Microsoft Internet Explorer, Mozilla Firefox). You can download the required web browser of your choice for FREE at the following web addresses: Microsoft Internet Explorer: www.microsoft.com/downloads Mozilla Firefox: www.mozilla.com
You are responsible for the operational functionality of your mobile phone and your cell phone/PDA software. The Bank is not responsible for any failures, incompatibility, or errors from any malfunction of your cell phone/PDA or your software. First State Bank and Trust Company, Inc. is not responsible for any signal interception, failure, or electronic viruses that you may encounter while you are using your cell phone/PDA. The Bank has no liability to you for any damage or other loss, direct or consequential, which you may suffer or incur by reason of your use of cell phone/PDA or your software.
There are no monthly or transaction fees for accessing your account(s) through our Internet Banking products. Other fees, as described in your deposit account agreement or Truth in Savings Disclosure, may apply to services ordered online and to transfers to and from your accounts. First State Bank and Trust Company, Inc. reserves the right to change the fees or other terms described in this First State Bank and Trust Company Internet Banking Agreement. We also reserve the option to waive, reduce or reverse charges or fees in individual situations. Please note that fees may be assessed and billed separately by your internet service provider and/or cell phone/PDA service provider, and are separate and not part of our Internet Banking products (including but not limited to NetTeller and Mobi).
If you need assistance with NetTeller, Mobi, our websites/portals or any of our Internet Banking products, you may contact a Customer Service Representative by calling the telephone for your location listed to the right of this page between 8:00 a.m. and 4:00 p.m. Monday-Thursday, and between 8:00 a.m. and 5:00 p.m. Friday. You may also email electronicbanking@fsbtrust.com.. It must be noted electronic mail (E-mail) transmissions are not secure communications. We therefore, request that you do not send us or ask for sensitive information in the form of E-mail. You may stop by the bank and talk to a Customer Service Representative or write us at: First State Bank and Trust Company, Inc. P.O. Box 18, Caruthersville, MO 63830.
You can access your accounts through NetTeller and Mobi, 24 hours a day, seven days a week. However, at certain times, NetTeller, Mobi or our website(s) may not be available due to Internet problems beyond the bank's control or for system maintenance.
Through NetTeller and/or Mobi you are allowed to make transfers between your various Internet Banking accounts. You also have the ability to complete First State Bank and Trust Company, Inc. loan payments. You must be an owner of and have the unrestricted right of withdrawal from all accounts to or from which you request a transfer. We reserve the right to deny transfers between certain types of accounts when deemed necessary by the bank. A transfer initiated through NetTeller and/or Mobi before 5 p.m. (Central Standard Time) on a business day is posted to your account the same day. All transfers completed after 5 p.m. (Central Standard Time) on a business day or on a Saturday, Sunday or banking holiday, will be posted the next business day. Our business days are Monday through Friday, except for banking holidays. "Banking holidays" means all federal banking holidays. Please see your local branch page for a complete listing of all Federal holidays. The number of transfers from accounts may be limited. The number of transfers allowed depends upon your type of deposit account. Each transfer or loan payment made through Internet Banking from a money market account or a savings account is counted as one of the six limited transfers permitted each statement period, as described in the Account Agreement and Truth and Savings Disclosure. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires. Please contact the bank for further details if you have questions regarding holds.
Upon completing your Internet Banking Enrollment Form, you will be issued a Internet Banking ID and PIN that will give you access to your accounts through NetTeller and Mobi. You will be asked to select a new PIN upon your initial use of NetTeller and/or Mobi. Once logged into the system you may change your Internet Banking ID. We recommend that you change your ID and PIN on a regular basis. We recommend that you memorize the ID and PIN and do not write them down. You are responsible for keeping your ID, PIN, and other account data confidential. It must be noted, anyone to whom you give your Internet Banking ID and PIN will have full access to your accounts. For this reason alone, you should not disclose your Internet Banking ID or PIN to anyone. If you believe your codes have become known to an unauthorized person, please notify us immediately and select a new ID and PIN.
If you believe your Internet Banking ID and PIN have been lost, stolen, if you have forgotten your codes, or if your Internet banking access codes are in a "locked" status, notify us immediately (refer to the "Customer Service" section in this disclosure for contact details). Please note in the event you incorrectly attempt to login to NetTeller or Mobi on three successive attempts, your Internet banking access codes will become "locked". When your codes become "locked", only a First State Bank and Trust Company customer service representative can "unlock" your codes in order for you to continue using NetTeller and Mobi. Additionally, as a primary security measure that you can complete at any time, it is advisable for you to change you PIN immediately if you believe your PIN has been compromised.
You are liable for all transactions that you may make or authorize, even if the person(s) you authorize exceeds your authority. If you have given someone your Internet Banking ID and PIN or any other means of access and you want to terminate that person's authority, you must change your ID and PIN immediately. First State Bank and Trust Company, Inc. strongly suggests you do not share your Internet Banking ID and PIN with anyone.
If you wish to cancel any or all of your Internet Banking services, please refer to the "Customer Service" section in this disclosure for more details on how to contact us. If, for any reason, you should ever wish to cancel your Internet Banking service, your scheduled payments and transfers will be automatically deleted. For this reason you should make other payment or transfer arrangements if you cancel your Internet Banking service. Once canceled, you will no longer be able to access your accounts through NetTeller and Mobi. You cannot cancel Mobi access without canceling NetTeller access. By doing this, these actions ensure that future payments or transfers made by you will not be duplicated. To note: The Bank reserves the right to terminate the First State Bank and Trust Company Internet Banking Agreement with the customer, in whole or in part, at any time for any reason.
Except as specifically provided in this First State Bank and Trust Company Internet Banking Agreement or where the law requires a different standard, you agree that neither we nor the service providers shall be responsible for any loss, property damage or bodily injury, any indirect, special, incidental or consequential damages whether caused by the equipment, software, the Bank, OR by Internet access providers OR by Internet browser providers such as Microsoft (Microsoft Internet Explorer browser), OR by mobile phone service providers such as AT&T, OR by an agent or subcontractor of any of the foregoing, nor shall we or the service providers be responsible for any direct or indirect damages occurring in any way out of the installation, use or maintenance of the equipment, software, NetTeller, Mobi, or Internet browser or access software.
First State Bank and Trust Company, Inc. will not be liable for the following: If any legal order directs the bank to prohibit withdrawals from your account(s); If you, or anyone you allow, commits any fraud or violates any law or regulations; If your account is in a closed status or if it has been frozen for whatever reason; If you do not submit your account/loan payment or transfer instructions within the appropriate time period for the transaction to occur; If circumstances beyond our control (such as fire, flood, earthquake, or improper transmission or handling of payments by a third party) prevent the transfer or loan payment, despite reasonable precautions taken by us; If any electronic terminal telecommunication device or any part of the electronic fund transfer system is not working properly; If you have not provided us with correct account/loan payment information; If you have not properly followed the instructions provided for using Internet Banking account access; If your equipment or ours was not working properly and the breakdown should have been apparent to you when you attempted to complete the transaction; If, through no fault of ours, you do not have enough money in your account to make a transfer. We may allow transactions which exceed your available account balance. If we do, you agree to pay the overdraft and the overdraft charges in effect at the time of the overdraft.
Call or write to us as soon as possible if you think your statement, account or transaction information is wrong, or if you need more information about a transaction listed on your statement or shown through one of our Internet Banking products. We must hear from you no later than sixty (60) days after we made available to you the first statement on which the problem or error appeared. Please contact us by referring to the "Customer Service” section in this disclosure for more details. You will need to disclose the following information for prompt attention to error resolution issues:
If you tell us orally, we 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 (5 business days for point of sale transactions processed by Visa) 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 (ninety (90) days if you initiated the transaction from outside the United States). If we decide to do this, we will re-credit your account within 10 business days (twenty (20) days if you initiated the transaction from outside the United States) for the amount you think is in 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 re-credit your account. If we decide that there was no error, we will serve you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.
If any of your accounts are money market accounts or savings accounts, certain types of withdrawals from those accounts, including loan payments and transfers, are limited to a total of no more than 6 in the monthly statement period. Withdrawals covered by this limitation are ones made by means of automatic transfer, preauthorized transfer, or payments arranged by telephone request. A total of only 6 of these types of withdrawals may be made by check, draft, First State Bank and Trust Company Visa Check Card, or similar order payable to third parties. You also agree all terms and conditions set forth in your deposit account documentation.
You authorize First State Bank and Trust Company, Inc. to disclose to third parties, agents, and affiliates, such as independent auditors, consultants or attorneys, information you have provided about your accounts and the transfers you make: if necessary to complete the transaction/services related to your account; to comply with government agency or court orders or requests; or to verify the existence and condition of your account for a third party, such as a credit bureau or merchant.