Internet Banking Agreement & Disclosure
Please read this agreement carefully
before following the link
at the bottom of this page.
This Internet Banking Agreement (IBA) governs your use of the Internet
Banking Service that permits our customers to access a number of
financial services through the use of the Internet. Also included
in this document are the regulatory disclosures applicable to these
services. Throughout this web site the IBA and Disclosure will be
referred to as "Agreement". By using Internet Banking, you agree
to all of the terms of this Agreement. You must read this Agreement
before enrolling in our Internet Banking Service and initiating any
electronic funds transfers via the Internet. Please read it
carefully before following the link at the bottom of this page or
accessing any of the Services. We recommend that you print a copy
of this document for your records; however, if you cannot, contact us at
the number provided below and we will mail you a copy.
Accounts and services provided by this financial institution may also be
governed by separate agreements with you. This Agreement
supplements any other agreements or disclosures related to your
account(s), including the Deposit Account Agreement provided to you
You or Your - The person(s) subscribing to or using Internet Banking.
We, Us, or Our - Refers to Normangee State Bank and any agent,
independent contractor, designee, or assignee Normangee State Bank may
involve in the provision of Internet Banking.
Business Day - Any calendar day other than Sunday, Monday, or any
holidays recognized by Normangee State Bank. Bill payments are
processed on all business days that both the Federal Reserve Bank and
the US Postal System are operating and open for business.
Business Day Cut-Off - Normangee State Bank is located in Normangee,
Texas and we base our business day on the Central Time zone. For
posting purposes, we will process all transactions completed by 6:00
p.m. on that business date. Transactions completed after 6:00 p.m.
will be processed on the following business day.
Electronic Funds Transfers - Include deposits to, withdrawals from, or
transfers between your accounts, which are not originated by check,
draft, or similar paper instrument. Electronic transfers include
those made through a computer. If we authorize your account(s) for
electronic transfers through the Internet Banking Service, you have
certain rights and responsibilities under the Electronic Funds Transfer
Act (EFT) that are further detailed in this agreement.
Privacy Statement - This financial institution understands how important
privacy is to our customers. We have taken steps to protect the
security and privacy of your personal information as well as your
financial transactions with us. You should read our privacy
statement before completing enrollment for Internet Banking. Our
customer privacy statement can be obtained by clicking on the following
link. - Privacy Statement
About Internet Banking
Our Internet Banking Service ("Service") consists of an online banking
web site that provides a complete array of financial services to our
customers. Our Service allows you to access your account
information 24 hours a day, 7 days a week. The services currently
available to our customers via the Internet consist of:
- Account inquiries, balances,
- Detailed view of
- Copies of monthly account
- Payments to our loan
- Transfers between your
accounts at this financial institution
For customers who select Bill Payment, these additional functions are
- One-time payments
- Occasional payments
- Fixed recurring payments
- Variable recurring payments
Internet Security Information
Our Internet Banking Service is provided by Fiserv. Fiserv
utilizes a comprehensive security strategy to protect your accounts and
transactions conducted over the Internet. In addition to log-on
security, Fiserv uses the SSL (secure socket layer) encryption
technology for everything you do in the Internet Banking system.
This technology is automatically activated by your browser when it
attempts to connect to our system and it will support 128 bit key
lengths, although we will warn you when your browser is set to use the
lower security level encryption of 128 bits. Whenever SSL is
securing your communications, the browser will typically indicate the
"secure session" by changing the appearance of a small icon of a padlock
at the bottom of the screen from open to locked. What this means
to you is that your communications are scrambled from your browser to
our servers at all times so no unauthorized party can read the
information as it is carried over the Internet. In addition, our
servers have been certified by a "Certificate Authority" that will
assure you that you are actually talking to our servers instead of
someone pretending to be us. (If you are using an older browser,
such as anything prior to versions 4.0 on Netscape or Internet Explorer,
the "Certificate Authorities" key may be expired and you may need to
update it on your browser. You can obtain instructions on how to
do this by clicking on the
3x Browser SSL Update link.)
During your use of the Internet Banking Service, Fiserv will pass a
"cookie" to your browser for identifying you during the session.
This cookie only identifies your computer. Fiserv does not (and
you. This cookie allows Fiserv to process multiple transactions during
your session without requiring you to re-enter your pass code for each
individual transaction. The cookies for online banking simply
provide another level of security for our Internet banking product. The
Fiserv online banking system uses encrypted cookies that do not pass to
your hard drive. Instead, the cookie is stored in the memory of
your browser, identifying your computer while you are logged on.
Only Fiserv can read the information in these cookies. When you log off,
close your browser, or turn off your machine, the cookie is destroyed.
A new cookie is used for each session. That way, no one can use
the prior cookie to access your account.
One of the main security features guarding the use of the Internet
Banking system is the unique combination of your Access Code and Pass
code. It is important that you keep your Pass code secret.
We will not be liable for any losses resulting from you permitting other
persons to use your Access Code and Pass code to access the system.
In addition to the security measures described above, there may be other
security notices posted on the website regarding security issues.
It is your responsibility to read all applicable notices. If you
have more questions about our security systems for conducting financial
transactions safely over the Internet, contact us at your convenience.
The Internet Banking service requires that you complete the initial
enrollment process. This involves completing a small online form
on our First Time Enrollment page.
Security is very important to the Internet Banking Service. At the
time you request the service, you will select a unique "Access ID" and
then choose a "pass code" that will be used to gain access to the
system. Prior to activation, the Internet Banking department will
verify your identity and authorization to information associated with
the account(s) that you request to be tied to the service. To
ensure that you select a good secure pass code, our system uses a
program called a "pass code cracker" that will not allow words found in
a dictionary or associated with your name, address or other personal
information. The system will provide helpful tips to help you
select a good pass code.
To help prevent unauthorized access and ensure the security of your
accounts, we will end your online session if we have detected no
activity for 10 minutes. This is to protect you in case you
accidentally leave your computer unattended after you logged on.
When you return to your computer, you will be prompted to re-enter your
pass code and your session will continue where you left off.
Because your pass code is used to access your accounts, you should treat
it as you would any other sensitive personal data. You should
carefully select a pass code that is hard to guess. The "pass code
cracker" will encourage you to stay away from names, dates, and
information that may easily be guessed. Keep your pass code safe.
Memorize your pass code and never tell it to anyone. You should
change your pass code occasionally, such as every 90 days. This
can be done at any time after you logged on from the "services" menu.
You may request Internet access to any account that you are a signer or
owner. If you desire services that allow you to initiate payments
or transfers from the account, you will need the required withdrawal
authority over the account to be able to complete the transaction.
By using the Internet Banking Service, you agree to maintain one or more
accounts with us and to keep sufficient balances in any account to cover
any transaction and fees that are ultimately approved by or related to
the system. If the accounts added to the service are jointly held
or have multiple signers, you agree that access to the information and
all transactions initiated by the use of your Access Code and Pass code
are authorized unless we have been notified to cancel the service.
Fees for the Internet Banking Service
Internet Banking is available to our consumer and small business customers at no monthly charge for all the account information services and transfers. Bill Pay is an optional service available only for checking account holders. If you elect to use the Bill Pay service, your account will be charged a service fee of $5.00 per month.
Cancellation of Internet Banking
Your Internet Banking Service may be canceled at any time by this
financial institution in whole or part without prior notice due to
insufficient funds in one of your accounts or other circumstances that
may create an unanticipated liability to us. You will remain
responsible for all transactions approved by the system prior to the
cancellation, and for any other fees associated with the service.
After cancellation, service may be reinstated once sufficient funds are
available in your accounts to cover any fees and other pending transfers
or debits. In order to reinstate services, you must call the Normangee
State Bank at 936/396-3611.
Balance Inquiries, Bill Payments, and Transfer Limitations
You may use the Internet Banking Service to check the balance of your
account (s) and to transfer funds among your accounts at this financial
institution. Current federal regulations limit the number of
transactions allowed on Money Market and Savings accounts. These
accounts allow no more than six (6) pre-authorized transfers including
ACH debits, transfers pursuant to a pre-authorized agreement to cover
overdrafts on a transaction account by means of pre-authorized or
automatic transfer, telephonic agreement, order or instruction and no
more than three (3) of the six authorized transfers may be authorized by
check, draft, debit card, or similar order made to third parties.
With that, this financial institution currently limits the bill-payment
service to checking accounts only.
Balances shown in your accounts may include deposits subject to
verification by us. The balance may also differ from your records
due to deposits in progress, outstanding checks or other withdrawals,
payments or charges. A transfer request may not result in
immediate availability because of the time required to process the
request. The transfer request must be made before the cut-off time
to be available for bill pay on the same business day. If you have
further questions, contact us at 936/396-3611.
The balances are updated periodically and the system will display the
most current "as of" date on the "accounts" summary page. There
may be situations that cause a delay in an update of your balances.
The system will use the most current balance available at the time of a
transaction to base our approval for bill pays and account transfers.
Canceling or Changing Payment / Transfers
To stop recurring or pending bill payments and transfers you must log in
and make edits to pending payments and transfers. You must make
edits before our cut-off time of 6:00 p.m. CST for any payments and
transfers scheduled to be processed that business day. Up to that
time, you may go into any pending payment and revise the amount (change
to $0.00 to cancel) or payment information. You cannot cancel or
edit a transfer once it has been approved, unless it has been
prescheduled - in which case you have until our cut-off time of 6:00
p.m. CST to cancel or edit the transfer instruction. If you
accidentally transferred funds, simply schedule another transfer to move
funds back to the original account. Once processed, you cannot
edit bill payments that are issued to payees electronically. If
you need to issue a stop payment on bill payment issued by paper check
contact us as soon as possible.
If you contact us verbally and direct us to stop a bill payment or
transfer 3 business days or more before the transaction is scheduled to
be deducted from your account, and we do not do so, we will be liable
for your losses or damages. We may provide you directions so that
you can make the appropriate payment or transfer edits. If you
contact us verbally, we may request that you put your request in
Bill Payment Service
To enroll in our online Bill Payment Service, you must sign up in person at Normangee State Bank. Bill Pay is an optional service available only for checking account holders. If you elect to use the Bill Pay service, your account will be charged a service fee of $5.00 per month.
If your account does not have sufficient funds to issue the scheduled
payment, you may be charged an insufficient funds charge.
Although payments may be scheduled for the current business day or any
date in the future at any time, they will only be processed once a day
before our cut-off time of 6:00 p.m. CST on any business day. (If
you attempt to schedule a payment for that day after 6:00 p.m. CST the
system will notify you that you need to change the date to the next
business day. Anything scheduled on a non-business day, or after the
cut-off time, will not be sent out until the following business day.
Since we must forward the funds and billing information to the payee,
some lead-time for payments is necessary. In general, the system
will attempt to tell you when you can expect the payment to be received
by the payee. The estimated payment delivery timeframe is
typically shown on the check where you schedule the payment date below
the amount line. Our system assumes the payee/vendor will promptly
process the payment on the business day it is received. Any delays
caused by the payee/vendor would result in additional days before the
payment would show on their records. By using this service, you
authorize us, and any third-party payment-processing agent we may use,
to choose whatever method we feel is the most effective method to
process your transaction.)
The time frames generally will be determined by the way the payment is
sent to the payee. If we, or the bill payment-processing agent has to
send a paper check in the US Postal system, we typically suggest
sufficient time as five (5) business days prior to the payee receiving
the payment for processing at their address. If the payee accepts
the payment electronically, we generally define sufficient time as two
(2) business days prior to the payee receiving the payment. In all
cases, the payment should be delivered to the payee/vendor by the tenth
business day after the payment was approved and charged to your account.
Our Liability for Failure to Make Payments, Transfers
It is our responsibility to process all bill payments and account
transfers properly initiated through the Internet Banking system in
accordance with this Agreement. We will be liable for damages, as
specified below in the Payment Guarantee section of this Agreement,
where the system caused a payment delay or failed to process a payment
to be received by the payee/vendor by the tenth business day following
the date your account was charged for the payment.
Transfers will be processed within one business day of the completed
transfer transaction if the transfer request is made by 6:00 p.m. CST.
We will not be liable if any of the following occurs.
- If through no fault of ours, you do not have enough money in your
account to make the bill payment or transfer, or if the account has been
closed. Your account must have sufficient collected funds to make
the requested transfer. Certain deposits and balance transfers
from other accounts may not be immediately available for bill payment.
The amount of available funds will be calculated in accordance with our
Funds Availability Policy, provided to you separately when your account
- If your computer, software, telecommunication lines were not working
properly or were temporarily unavailable, and this problem should have
been apparent to you when you attempted the transfer or bill payment.
- If you had knowledge of or questions about the possible malfunction of
our system when you initiated the transaction.
- If circumstances beyond our control such as natural disasters (fire,
flood, tornado, etc.) or other uncontrollable circumstances (mail
delays, telecommunication outages, power failures, etc.) prevent proper
completion and delivery of transactions despite reasonable precautions
that we have taken.
- If you provide incomplete or inaccurate information to us regarding the
account or transaction.
- It can be shown that the merchant or payee received the payment within
the normal delivery timeframe and failed to process the payment through
no fault of our service providers or ours.
- If your account has been tied up by legal proceedings (court order,
garnishment) or other actions that prevent us from making a payment or
- We have reasonable basis for believing that unauthorized use of your
access ID, PIN or pass code or designated account has occurred or may be
- If you default under the terms of this agreement, or any other legal
agreement with us.
- If either Party terminates this Agreement.
We will reimburse you up to $50 per payment for any late payment fees or
penalties you are charged as a result of the Payee/Vendor not receiving
a payment by the Due Date if all the following apply:
- If you scheduled the payment to be sent on a scheduled payment date at
least 5-business days prior to the due date.
- If correct information was provided to us about the payee (name,
address, account number and amount).
- If your account had sufficient funds to complete the payment or transfer
on the scheduled payment date.
- If the payee was a business payee.
- If the payee assessed late payment fees or penalties due to the delay of
- If you did not receive notice from us, our service provider, or the
payee at least 10 days prior to your scheduled payment that would have
alerted you to a problem processing payments from our System.
In no event shall we be liable for damages in excess of your actual loss
due to our failure to complete a transfer, and we will not be liable for
any incidental, special, or consequential damages. There may be other
exceptions stated in our deposit account agreements with you.
Documentation And Verification Of Payments And Transfers
Information regarding Internet Banking transactions will be reflected on
the account detail in our online banking system and in your regular
monthly account statement(s).
Notice of your Rights and Liabilities under the EFT Act
The EFT Act provides you with certain rights and responsibilities with
respect to electronic fund transfers via our Internet Banking system.
Your rights and responsibilities in the event of an unauthorized bill
payment or unauthorized account transfer are disclosed below. Please
read the following EFT disclosures carefully. You should print
this document for future reference. Instructions for printing are
provided below and in our User's Service menu. You may obtain a
hard copy of this document from us at any time by calling or sending us
an email or upon request in person.
Your Responsibilities and Liability for Unauthorized Use
If you believe your access ID, or pass code has been compromised, lost,
or stolen, or that someone has transferred or may transfer money from
your account without your permission, call us immediately at the
following number: 936/396-3611.
Telephoning is the best way of keeping your possible losses to a
minimum. If you suggest that an unauthorized transfer or payment
may have occurred, we may require you to sign an affidavit.
You could lose all the money in your account. If you tell us
within two (2) business days after you learn that your access ID and
pass code have been compromised, lost, stolen, you can lose no more than
$50.00 if someone used your pass code without your permission. If you do
not tell us within two (2) business days, after you learn of the loss or
theft of your pass code and we can prove we could have stopped someone
from using your access ID, pass code without your permission if you had
told us, you could lose as much as $500.00.
Also, if your statement shows electronic transfers that you did not make
or authorize, tell us at once. If you do not tell us within 60
days after the statement was mailed to you, you may not get back any
money you lost after the 60 days if we can prove that we could have
stopped someone from taking the money if you had told us in time.
If a good reason (such as a long trip or hospital stay) kept you from
telling us, we may extend the time periods to a reasonable time.
Errors and Questions
In case of errors or questions concerning transactions completed within the Internet Banking Service, as soon as possible you should telephone Normangee State Bank at 936/396-3611. We must hear from you within 60 days after we transmit the first statement or notification in which the error or problem appeared. Please include the following information:
- Account Number and your Access ID
- Description of the error or what you are unsure about, plus an
explanation of why you believe it is an error or why you need more information.
- Tell us the amount of the error.
For a Bill Payer error tell us:
- Checking account number used to pay the bill
- Payee name
- Date the payment sent
- Confirmation number
- Payment amount
- Payee account number for the payment in question.
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
after we hear from you and will correct any error promptly. We may
extend the time frame for investigation to 20 business days on a new
account, if the suspected error occurred outside the United States or if
it occurred at a merchant location for the purchase of goods and
services. If we need more time, however, we may take up to 45 days
to investigate your complaint or question. We may extend the
investigation up to 90 days if on a new account, if the suspected error
occurred outside the United States, or if it occurred at a merchant
location for the purchase of goods or services. If we decide to do
this, we will provisionally credit your account within 10 business days
for the amount you think is in error, so that you will have the use of
your money during the time it takes us to complete our investigation.
We will provide provisional credit within 20 business days if a new
account, if the suspected error occurred outside the United States, or
if it occurred at a merchant location for the purchase of goods or
services. If we ask you to put your complaint or question in
writing and we do not receive it within ten (10) business days, we may
not provisionally credit your account. We will tell you the
results within three (3) business days after completing our
investigation. If we determine 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
Other Problems. If you believe an error, other than an electronic
funds transfer problem has occurred, you can call us at 936/396-3611 for
information about how to handle the problem.
Disclosure of Account Information to Third Parties
Information about your account(s) or the transaction(s) you make will be
disclosed to third parties only if at least one of the following
- It is necessary to complete a transaction.
- It is necessary to verify the existence and condition of your account to
a third party such as a credit bureau or merchant.
- To comply with a governmental agency or court order.
- If permission is given to us by you, which we may require to be in
- It is necessary to assist us in collection of information for internal
- It is necessary for statistical information or security purposes of our
service providers, our servicing agents, and/or contractors providing
our Internet Banking and electronic funds transfer service.
- It involves a claim by or against us concerning a deposit to or
withdrawal from your account.
of account information.
Electronic Disclosures If you agree, we may send you certain disclosures
electronically in the future. Please contact us for additional
Internet banking and electronic delivery of statements requires that
your Internet browser be (Secure Socket Layer) SSL compliant. Most
popular browsers support this security feature. We require this to
maintain our high security level. If you have an early version of
the WebTV browser it will not be SSL compliant. However, the new
version 2 and 3 currently support SSL. Some screens in Internet
banking are maximized for computer users who can set their monitors to a
resolution of 800x600 pixels. This requires WebTV users to scroll
across on some pages. We cannot guarantee that Internet banking
screens will appear as intended with WebTV browsers.
Our Internet banking system currently works with Netscape 6.0 and higher
and with Internet Explorer 5.5 and higher, and we strongly recommend
that you download the latest versions of your preferred browser software
with 128-bit encryption. We encourage you to use 128-bit
encryption if possible (also called "domestic" or "U.S." grade
encryption) although, if you travel overseas, you may want 40-bit access
as well. The system will inform you when you log in whether you
are using a 40-bit browser or not.
You are solely responsible for the maintenance, installations, and
operation of your computer. This financial institution shall not
be responsible for any errors, deletions, or failures that occur as a
result of any malfunction of your computer or software, nor will we be
responsible for any computer virus that affects your computer or
software while using our Internet Banking Product. We encourage
our customers to routinely scan their PC and diskettes using a reliable
virus detection product. Undetected or un-repaired viruses may
corrupt and destroy your programs, files, and even your hardware.
Additionally, you may unintentionally transmit the virus to other
By assessing our Internet Banking system, you agree that we shall not be
liable for any indirect, incidental, or consequential costs, expenses,
or damages (including lost savings or profit, lost data, business
interruption, or attorney's fees.)
Wide Text Statements and other Special Printing Instructions
For certain accounts, our statement format may be wider than your
browser's default printer setting support and may not automatically
print correctly or cut off the right-hand side of the page. Our
"help" section will explain how to change the browser's printer settings
to show the entire statement. Additionally, many of our pages
actually contain several areas of information. To print the
section that you want, you may want to always click once in the area
with the left mouse button to let the browser know which "frame" section
you want to print.
You may terminate the use of our Internet Banking Service by contacting
us via US mail or personal visit to Normangee State Bank / 116 Main
Street / Normangee, Texas 77871. If your account(s) is closed or
restricted for any reason, or if there has been not Internet Banking or
Bill Payment Activity for a period of 3 consecutive months, Internet
Banking accessibility will automatically terminate. We may at
anytime cancel all or part of the Services we generally offer.
If you terminate bill payment service, you authorize us to continue
making payments and other previously authorized transactions until we
have a reasonable opportunity to act upon your termination notice; you
also agree to pay all applicable fees and charges. Once we have
acted on your notice, we have no further responsibility to make any
payments or previously authorized transactions.
This Agreement shall be governed by and construed in accordance with the
laws of the State of Texas.
This agreement may not be assigned to any other party by you. We
may assign or delegate, this agreement in part or whole, to any third
Terms and conditions of this Agreement may be amended in whole or part
at any time within thirty (30) days written notification prior to the
change taking effect. We may notify you of such changes by US
mail, or if you agree, we may send you an e-mail notice, which details
the changes. E-mail notifications may also direct you to a section
of our website which will include the changes. Amendments or changes to
term(s) or condition(s) may be made without prior notice if it does NOT
result in higher fees, more restrictive service use, disclosure of
additional account information to third parties, or increased liability
to you. Also, if a change in term(s) or condition(s) is necessary to
maintain or restore the security of our system or your account(s), no
advance notice is required and we will then notify you within thirty
(30) days following such action. If you do not agree with the
change(s), you must notify us in writing prior to the effective date to
cancel your access to the Service. Your continued use of the
affected change in Service is your agreement to the amendment (s).
This Agreement supplements any other agreements or disclosures related
to your account(s), including the Deposit Account Agreement and
Disclosures provided to you separately.