Receipt of Disclosures
You understand that this agreement incorporates the initial disclosures that the Bank is required to provide to you under Regulation E. You agree to receive these initial disclosures in an electronic format (for example, by viewing them on your computer screen) and you have the ability to print or download this agreement if you wish to retain a copy of it. If you do not have the ability to print or download this agreement you should immediately request written disclosures by contacting Hardin County Savings Bank at 641-939-3407 or writing us at P.O. Box 311, Eldora, Iowa, 50627 You may request disclosures at any time.
Equipment Requirements
You are responsible for maintaining all Internet connections, browsers, hardware and software that are necessary to access HCSB Online. The Bank is not responsible for any errors or failures of your computer or software. The Bank is not responsible for any computer virus or related problems that may be associated with your use of this service.
Definition of Business Day
For determining the availability of deposits, every day is a business day, except Saturday, Sunday and bank observed holidays. Any transactions, via HCSB Online, completed after 3:30 p.m. may be treated as a transaction on the next business day. We may treat any correspondence from you, via email, received after 2:00 p.m. on a business day as if we had received it the following business day. All references to time in this document are Central Standard Time (CST).
Hours of Accessibility for HCSB Online
You may use HCSB Online virtually any time, day or night, 7 days a week. However, HCSB Online may be temporarily unavailable due to record updating or technical difficulties. To utilize HCSB Online, you will need to enter your User ID and password and otherwise satisfy the system's security procedures.
Services and Fees through HCSB Online
HCSB Online is a consumer electronic banking service provided by the
Bank. You understand that if you wish to receive Internet banking
services for any commercial accounts that you may have, you will have
to complete the Cash Management Agreement related to those services
and agree to be bound by its terms and conditions. You must have a
Hardin County Savings Bank account to access the HCSB Online banking
service. You may access HCSB Online using a personal computer with
access to the Bank's web site on the Internet.
HCSB Online allows you to
Transfer funds electronically ("transfers") between any of your deposit accounts,
obtain account information, such as the balances, in your savings and checking accounts,
view your account history and find out what checks have cleared, and
access your designated deposit account to pay most bills ("Internet Bill Pay")
Collectively these are referred to as the "HCSB Online" banking services.
There are no fees for accessing your account(s) through HCSB Online,
however, other fees may apply. Please refer to the Fee Schedule that
you received when you opened your account with us. If you need an
additional disclosure, please contact us. You may check the balances
of your Hardin County Savings Bank accounts that are linked through
HCSB Online. You understand that the balance figure may not reflect
recent transactions, and may include funds that are not subject to
immediate withdrawal. You may transfer funds electronically between
your Online Banking accounts.
The Internet Bill Pay service enables you to
pay your bills from your personal computer. You understand that you
must have a checking account for transactions accomplished through
online Bill Pay. You authorize the Bank to charge your designated
account(s) for any transactions accomplished through the use of Bill
Pay, including the amount of any bill payment or transfer that you
request, and any charges for the service. You understand that by
registering for Bill Pay, if no payments are scheduled within a
three month period your Bill Pay account will be closed. To
discontinue the bill payment service you must contact the Bank. You
authorize the Bank to process bill payments and transfers according to
the instructions we receive from you through HCSB Online. You
authorize us to initiate any reversing entry or reversing file, and to
debit your accounts maintained at the Bank, or elsewhere, in order to
correct any mistaken credit entry. Your obligation to pay the amount
of the bill payment or transfer to the Bank is not excused in such
circumstances.
The Bill Pay service is free.
Other fees that apply to Internet Bill Pay:
Stop Payment = $25 plus $1.50 tax
Non sufficient funds = $25 plus $1.50 tax
If you do not have sufficient funds in your account
on the date the fee or charge is payable, you authorize the Bank to
automatically deduct the payment from your account as soon as funds
are available.
Security Procedures
A password will be issued to you for security purposes. You understand that this password will be used only the first time you access the service, when you must choose a new, permanent password. The password is confidential and should not be disclosed to third parties. You are responsible for the safekeeping of your password. You agree not to disclose or otherwise make available your password to anyone not authorized to sign on your accounts. If you permit another person to use the service or give them your user ID and your password, you are responsible for all activity the person initiates even if he/she exceeds your authorization.
Your HCSB Online password is used only for HCSB Online and bill payment transactions. You will be prompted from time to time to change your password for additional security. You may change your password at any time by selecting the Change Password option.
You agree that you have considered the security procedures of the HCSB Online banking service and find that the security procedures are commercially reasonable for verifying that a bill payment transfer or other communication from you is, in fact, yours.
Liability for Unauthorized Use
You will notify us immediately if you believe that your password has become known to an unauthorized person or if someone has transferred money or made payments without your permission. You understand that calling us in such cases is the best way of keeping your possible losses to a minimum. If you suggest that an unauthorized transfer or bill payment may have occurred, we may require you to sign an affidavit verifying such occurrence.
You understand that you can lose all the money in your deposit accounts accessed through Online Banking if you do not inform us that your password has become known to an unauthorized person. If you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50.00 if an unauthorized person used your password to access Online Banking without your permission.
If you do not tell us within 2 business days after you learn that your password has become known to an unauthorized person, and we can prove that you could have stopped someone from using your password without your permission if you had told us, you can be liable for as much as $500.00.
If your statement shows electronic funds transfers that you did not make, you must notify us immediately. The Bank may require you to provide your complaint in the form of an affidavit. If you do not tell us about unauthorized transfers within 60 days after your account statement is mailed to you, you may not get back any money that you lose after the 60 day period if we can prove that, had you told us about the unauthorized transfers on time, we could have stopped someone from taking the money.
Liability for Failure To Make Payments
If we do not send a bill payment or make a transfer on a timely
basis, as set forth in this agreement, or in
the correct amount according to your instructions, we may be liable
for damages caused. However, we
will not be liable if...
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through no fault of ours, your designated funding account does not contain sufficient funds to make the payment or transfer, |
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the equipment, ATM network, phone lines, or computer systems were not working properly or were temporarily unavailable and you knew about the breakdown when you started the transfer, |
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circumstances beyond our control, such as fire or flood, prevented the bill payment or transfer, despite reasonable precautions we have taken, |
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a court order or legal process prevents us from making a transfer or bill payment, |
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you have reason to believe that there has been unauthorized use of your password and you fail to notify us as set forth above, or |
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the payee does not process a payment correctly, or in a timely manner. |
There may be other exceptions stated in other agreements with you. If any of the circumstances listed in 3) or 4) above occur, the Bank shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or may have been processed incorrectly.
Limitations
You understand that the federal limitations on transfers applicable to Money Market Accounts and Savings Accounts during each statement cycle will apply to and limit the number of transfers that can be made through HCSB Online.
You may not make more than 6 transfers per month by means of HCSB Online. You should refer to your Deposit Account Agreement or contact us for additional information.
Errors or Questions
If you think your statement is wrong, or you need more information about a transfer listed on the statement, contact Hardin County Savings Bank at (641) 939-3407 or write us at P.O. Box 311, Eldora, Iowa, 50627. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appears.
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When notifying us, tell us your name and account number; |
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Describe the error on the transfer in question, and explain as clearly as you can why you believe it is an error or why you need more information |
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Tell us the date and dollar amount of the suspected error. |
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. 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 credit your account.
We will determine whether an error occurred within 10 business days (20 business days if your account has been opened for 30 days or less) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if your account has been open for 30 days or less) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if your account has been opened for 30 days or less) 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 you are a new customer, an account is considered a new account for 30 days after the first deposit is made.
We will tell you the results within three business days after completing our investigation. If we decide 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.
Account Information Disclosure
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As it specifically pertains to electronic funds transfers, we may disclose information to third parties about your account and the payments or transfers you make as stated in our separate Privacy Policy. You may view this Privacy Policy on our website or you may contact us for one. You agree that you have been given the opportunity to read the Privacy Policy. |
Documentation and Verification of Payments / Transfers
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Confirmations |
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Upon completion of an Online Banking transaction, a confirmation will be provided. We recommend that you print the transaction results for verification purposes. You should record this in your checkbook register as a permanent record of the transaction. This will help in resolving any problems that may occur. |
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Periodic Statements |
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Information concerning Online Banking transactions will be shown on your normal statement for the account to and from which transfers or payments are made. If you have a checking or money market account, you will receive a monthly statement. If you have a savings account, you will receive a statement during months with electronic funds activity or quarterly if there is no such activity. |
Other Conditions
You are responsible for complying with all terms of this agreement and the regulations governing the deposit accounts that you access through HCSB Online. We can terminate your HCSB Online banking privileges without notice to you if you do not pay any fee required in this agreement when due, or if you do not comply with this agreement. The regulations governing your deposit account are set forth in your account information disclosure, a copy of which is available from the main bank or the branches. You may terminate this agreement and your use of HCSB Online services by notifying us at (641) 939-3407.
We may terminate this agreement and your use of HCSB Online services without notice if you do not log on for a period of more than 90 days. If this occurs, you will have to repeat the registration process for HCSB Online services. We reserve the right to temporarily or permanently discontinue HCSB Online services at any time by mailing to you, at the address shown in our records, a notice stating the date termination will occur and that no transfers or orders payable to third parties via HCSB Online services will be honored if received the day of termination and thereafter. We will inform you of such termination in accordance with applicable law or regulation.
Change In Terms
The Bank may change any term or condition of this agreement, and will mail or deliver a written notice to you at least 21 days before the effective date of any change in a term or condition if the change would result in increased fees or charges, increased liability for you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amounts of transfers, unless prior notice is excused by law.
Contact Information
Hardin County Savings Bank
Eldora
PO Box 311
1202 Edgington Avenue
Eldora, IA 50627
phone - 641/939-3407
Monday-Friday 8:30 a.m. - 3:30 p.m.
Saturday 8:30 a.m. - 12:00 p.m.
Eldora Motorbank
1414 Edgington Avenue
Eldora, IA 50627
phone - 641/939-5561
Monday - Thursday 9:00 a.m. - 4:00 p.m.
Friday 9:00 a.m. - 5:30 p.m.
Union
415 Center Street
Union, IA 50258
phone - 641/486-5331
Monday - Thursday: 8:30
a.m. - 3:30 p.m.
Friday: 8:30 a.m. - 5:30
p.m.
Liscomb
102 Main Street
Liscomb, IA 50148
phone - 641/496-5215
Monday - Thursday, 8:30
a.m. - 1:30 p.m.
Friday 8:30 a.m. - 12:30 p.m. and
1:00 p.m. - 4:30 p.m.
You may contact us through e-mail. Please note that e-mail, in general, is not a secure means of communication. If the information you need to convey to Hardin County Savings Bank is of a sensitive nature (account numbers, Social Security Number, passwords or PINs), please contact us by phone, U.S. mail or come visit us in person.
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