As used in this Agreement the following terms have the following meanings:
- "Account" means any checking, savings, time deposit, IRA, or loan account on which you are an owner and any account which is included in your Account Summary
- "Business Day" means Monday through Friday, excluding Federal holidays.
- "Business Day Cutoff" means 6:00 P.M. Central Standard Time on any Business Day.
- "Consumer" means a customer who is a natural person enrolling accounts which are used primarily for personal, family or household purposes.
- "Transfer Instructions" means the information provided by you for a transfer of funds between two or more Accounts.
FNB Online Banking Service:
In order for you to use FNB Online, you must be the owner of at least one account (checking, savings, time deposit, IRA, or loan) with First National Bank in Pratt ("Bank"). You must be 18 years of age and provide a valid e-mail address to the Bank. It is your responsibility to notify the Bank of any and all changes to your e-mail address. The Bank accepts no responsibility or liability for the consequences of your failure to notify the Bank of all changes to your e-mail address. FNB Online consists of access to:
- Account Summaries
- Account Inquiries and Balances
- Historical information for up to 60 days
- Transaction Downloads
- Account Transfers
- Detailed Transaction Views
- Account Statement Downloads
Account Ownership: When you enroll in FNB Online, all of the Accounts on which you are an owner will be automatically placed in your Account Summary. You may request the Bank to remove any of these Accounts from FNB Online. If you are not the owner of an account but are an agent or signer on the account you may request the Bank add the account to your Account Summary. It is the Bank's sole discretion whether to add the requested non-owner account to your Account Summary. The addition of one non-owner account to your Account Summary does not obligate the Bank to add any other non-owner accounts to your Account Summary. The Bank may remove non-owner accounts from your Account Summary at any time without prior notice to you. Determination of ownership of an account at any specific time shall be based on the information reflected in the current records maintained by the Bank. Multiple Owners/ Signers: If you are a Consumer and you own an Account (or Accounts) with one or more other people, the Bank may act on the verbal, written or electronic direction of any one owner for that jointly owned Account. Each owner who enrolls the account in FNB Online will receive a separate User ID and Password. Any Account, which requires two or more signatures to withdraw or transfer funds, may not be enrolled in FNB Online. You agree not to change the Account documentation to require two or more signatures until you have first notified the Bank to terminate the Account on FNB Online and the Bank has had reasonable opportunity to act on your request. You release the Bank from liability for any action taken on an Account by any one person authorized to act as a signer on the Account even though that person's authority to act on the Account by other means (e.g., by check) must be exercised jointly with one or more other persons. Transfers: To make transfers between Accounts you must maintain at least two deposit Accounts with the Bank. Not all Accounts are eligible to be used for transfers. The Bank reserves the right to limit transfer eligibility to certain types of Accounts and to change eligibility requirements from time to time. You authorize the Bank to transfer all funds as you instruct through FNB Online. You may not cancel or stop a transfer of funds once you have entered the Transfer Instruction. If the Transfer Instruction is submitted after 6:00 P.M. Central Standard Time, funds from the transfer may not be available until the next Business Day. You agree you will instruct the Bank to make a transfer only when a sufficient balance is or will be available in your Account at the time of the transfer (including any overdraft protection plan which may be connected to the Account). If you do not have a sufficient balance, including available credit under any overdraft protection plan, you agree the Bank may, at its sole discretion, follow your Transfer Instructions even though a debit to your Account may result in or increase an overdraft. Whether or not the Bank honors your Transfer Instruction, the Bank reserves the right to impose a non-sufficient funds or overdraft fee. The Bank is under no obligation to notify you if a transfer is not completed because there is non-sufficient funds in your Account (including any available credit under any overdraft protection plan) to process the transaction. You shall remain responsible to the Bank for all overdraft and related fees imposed upon your Account in accord with the most current applicable Fee Schedule. Any transfer made from any of your savings accounts is a restricted transfer subject to federal regulations. You may make up to six (6) preauthorized or automatic transfers per monthly statement cycle (of which only three (3) may be by check or draft). Each online transfer using a savings account is considered a preauthorized or automatic transfer.
Responsibility for User ID and Password:
It is your responsibility to maintain control and safeguard your FNB Online User ID and Password. You are solely responsible for all actions taken and instructions given which are authorized by the use of your User ID and Password regardless of who is actually acting or making the requests. You agree to periodically change your Password. In addition, you agree to change your Password upon request by the Bank. If you discover your User ID or Password has been stolen, you agree to notify the Bank immediately.
Changes to Agreement:
This Agreement may be revised at any time, effective upon posting the revised Agreement on this Internet Site. Continued use of FNB Online after posting of a revised Agreement will constitute acceptance of the revised terms and conditions in the Agreement.
Failure of FNB Online Banking Service:
The Bank accepts no responsibility or liability for any failure of FNB Online to perform as a result of, but not limited to, communications failure, energy shortage, act of God, war, riot, fire, civil commotion, terrorist attack, severe or adverse weather conditions or other causes beyond the Bank's control.
Discontinuation or Termination of FNB Online:
In the event you wish to discontinue using FNB Online, please provide written notice to First National Bank in Pratt Internet Support, P.O. Box N, Pratt, Kansas 67124 . The Bank will then cancel your User ID and Password. Once the Bank has acted on your discontinuation notice, you will no longer be able to access FNB Online without completing the enrollment process again. The Bank may terminate your use of FNB Online at any time for any reason without prior notice. The Bank reserves the right to cancel this service to all customers, without prior notice.
This Agreement shall be governed by and construed in accordance with the law of the state of Kansas without regard to principles of conflicts of laws.
THE FOREGOING SHALL CONSTITUTE THE BANK'S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. BANK DOES NOT PROVIDE WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR OTHERWISE. IN NO EVENT SHALL THE BANK BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES INCLUDING, BUT NOT LIMITED TO, LOST PROFITS (EVEN IF ADVISED OF THE POSSIBLITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE OR MAINTENANCE OF YOUR EQUIPMENT AND / OR THE ONLINE BANKING SERVICE.