Terms and Conditions
Access to All Existing and Future Accounts
With Online Banking, you will have access to all existing and future accounts on which you are the owner or joint owner. Subject to the terms herein, you may use the Service seven (7) days a week, twenty-four (24) hours a day, except during any scheduled or unscheduled interruptions in the Service for maintenance, security, or other reasons. However, if you are a joint owner and you wish to access account statements, the primary owner must designate you as an authorized user for Online Banking, with permission to access statements. Authorized users have access to the primary owner’s Online Banking, subject to the conditions in the paragraph "Authorized User" below.
Authorized User
You may elect to authorize Online Banking access only for any number of authorized users, in addition to yourself. A separate application and agreement must be signed for each authorized user. If you desire an authorized user to have access to your account via Online Banking, you must sign the Online Banking Application and Agreement as the Member, and the other person must sign the application as the authorized user. At the time you add an authorized user, the authorized user will by default have access to all existing and future accounts held in your name, except those where you are designated as the joint owner, co-signer (guarantor), or co-borrower.
Verification of Identification
To help 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, including joint owners and authorized users. When you open an account or become an authorized user, we will ask you for your name, address, date of birth, and other information that will allow us to identify you.
Your Account Ownership and Contact Information
You represent that you are the legal owner or authorized user of the account and other financial information, which may be accessed via Online Banking. You represent and agree that all information you provide us in connection with Mobile or Online Banking is accurate, current, and complete, and that you have the right to provide such information to us for the purpose of operating Online Banking Services. You agree not to misrepresent your identity or your account information. You agree to keep your account information confidential, up to date, and accurate. It is your sole responsibility to ensure that your contact information with us is current and accurate. You may change your contact information by editing your profile via the Online Banking Services.
Protecting Your Password and Ensuring the Security of Your Device
By applying for Online Banking, you agree to accept responsibility for safeguarding and protecting your Password, or any other credentials used to access our Online Banking. If you believe your password or other credentials have been lost or stolen, or that someone may attempt to use your Online Banking Service without your consent or has transferred money without your permission, notify us at once. You agree not to give or make available your password or credentials to any unauthorized individuals, and you agree to be responsible for all actions taken by anyone to whom you have provided such credentials or allowed to use your Online Banking Service, including any Bill Pay transactions. In order to help prevent unauthorized transactions on Online Banking, you also agree to ensure the security of the personal computer (PC) you own and/or use to access Online Banking. By securing the PC you own and/or use, we specifically mean installing antivirus software, a firewall, and spyware detection software on your PC, and keeping this security software current, or verifying that the above security software has been installed and is current.
No Waive
We shall not be deemed to have waived any rights or remedies hereunder, unless such waiver is in writing and signed by one of our authorized representatives. No delay or omission on our part in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.
Indemnification
You agree to defend, indemnify, and hold harmless us and our Affiliates and Service Providers and their Affiliates and the employees and contractors of each of these, from any loss, damage, claim, or demand (including attorneys' fees) made or incurred by any third party due to or arising out of your breach of this Agreement, your use of our website, and/or the Services offered through Online Banking.
Last Updated: 01/02/2021
