TERMS AND CONDITIONS
Please read these Terms and Conditions
carefully and keep them for future reference.
Definitions. The words you and
your refer to either and all of the persons completing the online registration. The words we, us,
and our refer to First State Bank of Bedias. The words your
deposit accounts refer
to all of your deposit
accounts with us. The words your loan accounts refer to the loan accounts
with us on which either or all of you are obligated to us. The words
your accounts refer
to your deposit accounts and your loan accounts. The words our
internet service refer
to our FSBB Online Banking. The word terms
refers to these Terms and Conditions. ACH refers to Automated Clearing
Security. We work hard to make our website secure. We will employ such security
measures, as in our reasonable judgment are appropriate, to secure our website.
You will not use our website for unauthorized purposes. We may monitor and audit transactions made through our website.
We use several techniques to help secure our internet service, including the
◆ You can only access
Institution with certain browsers that have a high security standard.
◆ Your account numbers
are never displayed in full ? only the last 4 digits can be viewed.
◆ You must have a valid
Internet Banking ID and password to log on.
◆ If no action is taken
for 20 minutes, you will be automatically logged off our internet service.
Access to Accounts Via the Internet. Subject to the terms set forth below, we will provide you with our internet service pursuant to which you can access your
accounts by computer via the internet through
our website using your username
and password and providing such other information as may be required by our
website to accomplish the following:
◆ Transfer funds between your deposit accounts.
◆ Make payments
from your deposit
accounts to your loan accounts.
◆ Make payments from your deposit accounts
to third parties pursuant to our Online Bill Payment Program described
◆ Get information about your accounts,
such as account balances
or information on deposits or withdrawals.
We will have no obligation to carry out any transfers
or payments unless there are sufficient funds in the pertinent deposit account or any overdraft
line of credit on that deposit
account. We will promptly provide
you with a username, password,
the address of our website through which you can access your accounts and such
other information as you will need to participate in our internet
service. You can arrange for a change of your password by calling the number set forth below. Please
see the Limitations on Frequency
of Transfers below.
Accessibility. FSBB?s Online Banking
is usually accessible seven (7) days a week, twenty-four (24) hours a day.
However, at certain times, some or all of our internet services may not be
available due to system maintenance or reasons beyond FSBB?s control. FSBB does
not warrant that our internet services will be available at all times. When
unavailable, you may use an automated teller machine (?ATM?). An Online Banking
transaction initiated prior to 3:00 PM (Central Time) on a banking day may be
posted to your account the same day. All transfers completed after 3:00 PM
(Central Time), or on a non-banking day, will be posted the following banking
day. Since certain information and transactions are not processed by us until
after the close of the Bank Business day, some transactions may not be
reflected in the system until the next Banking Business day. ?Posted items may
be reversed due to insufficient funds, stop payment orders, legal process, and
other reasons. ?
Certain balances also
may not be subject to immediate withdrawal. We assume no responsibility for any
loss arising from incomplete information or for any temporary interruption in
our information system. If you are unable to access our system for any reason,
you can contact either branch for loan and deposit information.
and Software. A personal computer with access to the World
Wide Web is required to use FSBB?s Online Banking service. To ensure you have
the best experience using our internet service and get the most current
security features to protect your personal and account information online, we
ask that you use a Web browser that supports strong encryption (128 -bit data
encryption) and contains a high level of security. Our site is optimized for
use with certified/recommended browsers and operating systems. If you use a
different browser or operating system, you may not be able to take full
advantage of all the features of the site. Recommended browsers and operating
◆ Microsoft Internet
Explorer- 9 or later
◆ Google Chrome ? 19
◆ Mozilla Firefox ? 9-12
◆ Apple Safari ? 6.2,
◆ Windows 7 or later
◆ Mac ? OS 10.7.4
◆ iPad 3 or later
◆ Galaxy 10.6
While other browsers
may work with the OLB, these browsers provide the highest level of security,
accuracy, and functionality and an optimal visual experience. We also recommend
OLB features to function properly.
Your use of the
Internet will be entirely at your own risk. We make no representation, warranty
or endorsement with respect to:
◆ Information placed on
the Internet by third parties
◆ The security or
continued availability of the Internet or of any Internet website, including
without limitation our website
◆ The Bank is not
responsible for any electronic virus or viruses that you may encounter. We
suggest that you routinely scan your PC using a virus protection product. An
undetected virus may corrupt and destroy your programs, files, and your
◆ Computer hardware and
software product questions in general should be directed to the hardware or
You agree to comply
with the terms of any software license(s) provided to you in connection with
the Services. You may not transfer, distribute, copy, reverse compile, modify
or alter such software. Unless otherwise agreed by us in writing, the computer
programs, User Guides, security procedures, software and systems provided to
you in connection with the Services represent our proprietary property and must
be returned to us upon request.
addition to compatible software, you must have an Online Banking User ID, a
password, and maintain one or more of the following eligible accounts at First
State Bank of Bedias:
◆ Standard Checking Account
◆ Electronic Checking
◆ Direct Checking
◆ Money Market Account
◆ NOW Account
◆ Standard Savings
◆ Junior Savings Account
◆ Business Checking
Any account that
requires two or more signatures to make withdrawals, transfers or other
transactions will not be eligible to make any transfers via Online Banking.
Hardware and Software Requirements. We will promptly provide you with a statement of the computer
hardware and software
requirements to participate in our internet service.
We can change these requirements and will give you advance notice of any such changes. Unless
you comply with such changes,
you will not be able to participate further in our internet service.
You are solely responsible for setting up and maintaining your computer hardware
and software and satisfying all hardware and software requirements.
Electronic Disclosures and Notices. This Disclosure describes the process that must occur before we can provide you with electronic disclosures and notices (such as
by email or website). It also describes
your rights in the event you consent
to receiving electronic disclosures and notices.
First we must inform you as to the
computer hardware and software requirements to receive and keep the electronic disclosures and notices. Then we
must make an electronic request for your consent.
Finally, you must give your consent electronically in response to our request. You understand prior to
giving your consent that:
(1) Your consent applies to disclosures and notices regarding
your accounts or our internet
service, and it applies to your periodic
(2) Unless you consent, you have the right to receive all required disclosures in paper or non-electronic form;
(3) Even after consent, if you want to receive a paper copy of the disclosure in addition to the electronic disclosure you can obtain one free of charge by calling
(4) You can withdraw your consent at any time by calling us; and
(5) You must promptly provide
us with the information (such
as an email address) needed
to communicate with you electronically and update us as to any
changes in such information by calling
the right to provide any disclosures or notices in writing, rather than electronically. Except as otherwise
provided by law or in other agreements, you can give us all notices regarding your accounts, our internet service, or your periodic statements, except for stop payment orders,
unauthorized transfer/debit notices,
or account error notices,
by email using our then current email address, regardless
of anything in this agreement
to the contrary; however, we reserve the right to have
notices confirmed in writing upon our
Hours of Operation. You ordinarily can participate in our internet
service 24 hours a day - 7 days a week. However,
we reserve the right to suspend our internet
service from time to time as we deem appropriate.
on our website on or before 3:00 p.m.
CST on any business day will be posted on the same day. Transactions entered on our website on weekends,
federal holidays or after 3:00 p.m.
CST on a business day will be posted by the end of the next business
Assignment and Delegation.
We can assign our interest and responsibilities under
this agreement, delegate
our responsibilities under this agreement, and use independent contractors to perform or assist
in the performance of our responsibilities under this agreement, as we deem appropriate.
on Frequency of Transfers.
to those limitations on transfers elsewhere
described, if any, the following
Regardless of anything else in this or other agreements, transfers
and withdrawals from a savings
account to another
of your accounts
or to third parties by preauthorized, automatic, telephonic, or computer
transfer, or by check, draft, debit card, or similar
order to third parties, cannot exceed six per calendar
month or statement cycle of at least four weeks.
For security reasons, there may be
other limitations on the number of
transfers you can make.
Termination. We can terminate your right to participate in our internet
service at any time if you fail to comply
with these terms
or the terms of your account
agreements with us, including any failure to pay a required fee. Either you or
we can terminate this
agreement without cause upon 30 days advance
Changes in Terms. We can change these terms by
giving you notice as required
by law. Continued use of our internet
service by you after notice of a change in terms
of the change.
Notices. Notices must be in writing and mailed or hand delivered, except that we can give them to you electronically if you have so consented. Notices to you are
effective when given, regardless of whether you receive them. Notices to us are effective only when we actually receive them.
Irreconcilable Conflicts. These terms supersede
those of your deposit or loan account agreements to the extent they cannot be reconciled. You expressly waive any
agreement requirements of one or more signatures for withdrawal when using our internet service.
Any one of the persons
authorized to make withdrawals from your deposit
accounts is authorized to make transfers
pursuant to our internet service,
even if your account agreements provide that multiple signatures are required for withdrawal.
Fees. Except as indicated elsewhere
in this or other agreements or disclosures, we do not charge for our internet
service. We can debit any fees to any of your deposit accounts
Documentation. Periodic Statements - You will get a monthly account statement from us for your deposit
accounts, unless there are no transfers in a particular month, in which case
you will get a statement at least quarterly.
Institution's Liability. Liability for Failure to Make Transfers
- If we do not complete
a transfer to or from your account on time and in a correct amount according to our agreement with you, we will be liable for your losses or damages.
However, there are some exceptions. We will not be liable, for instance:
(1) If, through no fault of ours, you do not have enough money in your account to
make the transfer.
(2) If you have
an overdraft line, and the transfer would go over the credit limit.
(3) If circumstances beyond our control such as interruption of telecommunication service,
catastrophic or emergency
conditions, or a natural disaster (such as a
fire or flood) prevent the transfer, despite
reasonable precautions that we have taken.
(4) If the funds are subject to legal process
or other encumbrance restricting the transfer.
(5) There may be other exceptions stated in
our agreement with you.
Except as expressly
required by these terms or otherwise required by law, we
will not be liable for any losses
or damages resulting from:
(1) Deficiencies in your computer
hardware or software or in your ability or care in using them, or
(2) Problems relating
to your access to the internet.
can disclose information to third parties about your account
or the transfers you make:
(1) Where it is necessary for completing transfers; or
(2) In order to verify the existence
and condition of your account
for a third party, such as a credit bureau or merchant;
(3) In order to
comply with government agency or court orders;
(4) As explained
in our separate privacy disclosures.
Transfers. Consumer Liability
- Tell us AT ONCE if you believe your code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus
your maximum overdraft line of credit). If you tell us within 2 business
days after you learn of the loss or theft of your code, you can lose no more than $50 if
someone uses your code without your permission.
If you do NOT tell us within 2 business days after you learn of the loss or theft of your code, and we prove we could have stopped
someone from using your code without your permission if you had told us, you could lose as much as $500.
Also, if your statement
shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you or was
provided electronically if you consented
to receiving the statement that way, 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 a hospital stay) kept you from telling us, we will extend the time periods.
in the event of Unauthorized Transfer. If you believe your code has been lost or stolen, call or write us at the telephone
number or address listed below. You
should also call the number or write to the address listed in this brochure if you believe a transfer has been made using the information from your
check without your permission.
Error Resolution Notice.
In Case of Errors or Questions
about Your Electronic
Transfers, call or write us at the telephone number or address
listed below, as soon as you can, if you think
your statement or receipt is wrong or if you need more information about a transfer
listed on the statement or receipt. We must hear from you no later than 60 days
after we sent you, or provided electronically to you if you consented to receipt that way, the FIRST
statement on which the problem or
(1) Tell us your name and account number (if any).
(2) Describe the error or the transfer
you are unsure about, and explain as clearly
as you can why you believe it is an error or why you need
(3) Tell us the 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
We will determine whether
an error occurred
within 10 business
days (20 business
days if the transfer involved
a new account) 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 the transfer involved a new account, a point of sale transaction, or a foreign-initiated transfer) 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 the transfer involved
a new account) 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 question
or complaint in writing and we do not receive
it within 10 business days, we may not credit
your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already
has an established account with us before this
account is opened.
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.
FIRST STATE BANK OF BEDIAS
P.O. BOX 99, 22201 HWY 90 N BEDIAS, TX 77831
Business Days: Monday through Friday
Excluding Federal Holidays
and Good Friday Phone: 936-395-2141
INFORMATION IS AVAILABLE
ONLINE BILL PAYMENT PROGRAM
Except as otherwise provided
in a future separate written
agreement, the following
is our Online Bill Payment
FSBB BILL PAY AGREEMENT
As used in this Agreement, the term "Payee" means the person or entity to whom you wish a bill payment to be directed;
"Payment Instruction" means the
information provided by you to us for a bill payment to be made to the Payee (such as, but not limited
to, Payee name, Payee account
number, and Scheduled Payment Date); "Payment Account" means your checking
account from which a bill payment will be debited;
"Business Day" means
Monday through Friday, excluding Federal Reserve holidays; "Scheduled Payment Date" means the Business
Day of your choice upon which your bill payment
will begin processing (a Scheduled Payment Date on a non-Business Day will be considered to be the previous Business
Day); and, "Cutoff Time" means 11:00 p.m. CST on any Business
Day. You must complete your transactions and log off prior to midnight for the transactions to be processed
as Today's payments
that will be sent out the following business day.
for FSBB Bill Payment. The FSBB Bill Payment
registration must be completed online
by the customer requesting Bill Payment. Please
note that FSBB Bill
Payment is subject to Bank review and approval. Once approved, your continuance with FSBB Bill Pay is your agreement
to comply with the guidelines
stated in the Bill Pay Help Area.
Authorization. Your application for FSBB Bill Payment may not be approved if we cannot verify your identity
or other necessary
information. By applying
for FSBB Bill Payment,
you are acknowledging that FSBB reserves
the right to obtain a copy of your credit report through
an authorized credit
reporting service. In addition, you agree that we reserve
the right to obtain financial information about you from a Payee regarding
your account with them in an effort
to resolve payment-posting problems.
Fees A monthly
service fee of $6.00 will be charged
to the account you designate
as your Payment
Account on the FSBB Bill Pay Registration Form. You are responsible for regular transaction fees that may be in effect for your accounts
held with FSBB as disclosed
at account opening
and as amended from time to time. We
may assess a fee for any bill payment request drawn against
insufficient funds in your designated
Payment Account. FSBB will not be liable for failure
to pay any request unless it is drawn
against available funds
credited to the Payment Account
at the opening of business
on the day the bill payment is scheduled to be
withdrawn. If FSBB pays a bill payment that overdraws
your Payment Account,
you agree to pay us the amount of the overdraft upon demand, whether
or not you participated in the transaction creating
the overdraft or received any benefit from the debit creating the overdraft. You agree to pay all costs and expenses, including attorneys' fees, incurred by us in the collection
of any overdraft.
Instructions. To use FSBB Bill Payment, you must provide sufficient information about a Payee to permit us to properly direct a payment.
The information must permit the Payee upon receipt
of a payment to identify
you as the payment source.
You do this by filling
in all required fields with accurate information, as directed by the FSBB Bill Payment screen messages. By providing us with the names and account information of those Payees to whom you wish to direct payment,
you authorize us to follow the Payment
Instructions that we receive through the payment system. When we receive
a Payment Instruction, you authorize us to debit your Payment Account and remit funds to the Payee on your behalf.
Types of Payments.
You will be able to set up the following types of bill payments:
(1) Single Payments:
You may schedule a payment to be made one time to a Payee.
The payment may be scheduled
on a future date or on the same day that you enter
the Payment Instructions provided you enter the
Payment Instruction by the
Cutoff Time; and
(2) Recurring Payments:
You may schedule the same payment to be paid each month.
Please note that you may not schedule duplicate payments. A duplicate payment is one that is scheduled to be made to the same Payee while another
payment to such Payee is a "Pending Payment" (hereinafter defined). A duplicate payment is different from a Recurring
Payment, which is scheduled for the same Scheduled
Payment Date of different months.
of any Single Payment or Recurring Payment
shall not exceed $10,000.00. In addition, a Single Payment
to a Payee must be "In Process" or "Processed" (hereinafter defined) before an additional Single
Payment can be scheduled to the same Payee.
Due to security reasons or any other reason,
we reserve the right to refuse to pay any Payee to whom you may direct a payment. We will promptly
notify you if we decide to refuse to pay a Payee designated by you. Notification is not required if
you attempt to make a prohibited payment under this Agreement.
are prohibited through
FSBB Bill Payment.
of Payment by Due Date. While it is anticipated that most transactions will be processed
on the next Business Day after your Scheduled Payment
Date, and be received
by the payee approximately five (5) business
Days after your selected Schedule
Payment Date, it is understood
that due to circumstances beyond our
control, particularly delays in handling
and posting payments
by slow responding Payees or financial institutions, some transactions may take longer to be credited by your
Payee to your Payee account. For this reason, it is necessary
that all Scheduled
Payment Dates selected
by you be no less than five (5) Business
Days before the bill's
actual due date, not the late date and/or a date within the grace period. Payment Instructions entered
after the Cutoff Time or on non-Business Days will be considered entered in FSBB Bill Payment
on the next Business Day. For Recurring
Payments, this means that you must allow additional time for months
in which weekends or holidays reduce
the number of Business Days between the Recurring Payment
date and the bill's actual
due date. The risk of incurring and the
responsibility for paying any and all late
charges or penalties will be borne by you.
Confirmation Number. You will be provided
a confirmation number for each payment you schedule using FSBB Bill Payment. This number is available on the
Payment History screen under the Payments menu if you need to refer to it in the future.
The confirmation number will help us resolve any questions
you may have concerning your transactions.
We will make reasonable
efforts to make all
your payments properly.
However, we shall incur no liability
if we are unable to complete any payments initiated by you through
FSBB Bill Payment
Service because of the existence
of any one or more of
the following circumstances:
(1) If, through no fault of ours, your Payment Account does not contain
sufficient and available
funds to complete the transaction;
(2) FSBB Online Banking or FSBB Bill Payment is not working
properly and you know or have been advised by us about the problem
before you execute
(3) The Payee, or any processing third party, mishandles or delays a payment
sent by us;
(4) You have not provided
us with the correct name, phone number
or account information for the Payee, or you have not provided us with accurate
personal information on your FSBB Bill Payment
Registration Form, or you have otherwise provided
incomplete Payment Instructions;
beyond our control (such as, but not limited to, fire, flood,
or interference from an outside force)
prevent the proper
execution of the transaction and we have taken reasonable precautions to avoid those circumstances;
(6) We have reason to believe that a particular bill payment is not authorized.
Provided none of the foregoing six (6) exceptions
are applicable, if we cause an incorrect
amount of funds to be removed from your Payment
Account or cause funds
from your Payment Account to be directed
to a Payee which does not comply with your Payment Instructions, we shall be responsible for returning the improperly
transferred funds to your Payment Account and for directing
payment to the proper Payee.
of Pending/In Process/Processed Payments. A bill payment is "In Process" starting at the Cutoff Time on the Scheduled Payment Date and continuing up to
the next Business Day after the Scheduled
Payment Date. A bill payment
is a "Pending Payment" starting
from the time you enter Payment Instructions until the payment is "In Process". A bill payment is considered "Processed" on the next Business
Day after the Schedule Payment Date.
or Editing Pending Payments. You may cancel or edit any Pending Payment
(including Recurring Payments). There is no charge for canceling or editing a Pending
Payment. You will receive a confirmation number when your Pending Payment has been edited or canceled. The confirmation number will help us resolve any questions
you may have concerning your transactions. For payment edits, this number is available
on the Payment History screen under the Payments menu if you need to refer to it in the future. If you have a canceled
payment, please write the number down when you receive
it. A canceled payment will not appear on your Payment History.
or Editing In Process/Processed Payments. We may not have a reasonable
opportunity to act on any stop payment,
edit, or cancellation order given after a payment
is "In Process" and it is not possible
to stop, edit, or cancel a payment,
which is "Processed." If you desire to cancel,
edit, or stop any payment,
which is "In
Process", you must call
the toll-free Help Line found on the FSBB
Bill Payment website.
Payments. In order for us to attempt to place a stop payment order the same business day it must be placed by 2:00 p.m. CST. If you call, we may also require you to present your request in writing within fourteen (14) days after you call. Although we will attempt
to accommodate your request, we will have no liability
for failing to do so. Stop payment requests
will be accepted only if we have a reasonable opportunity to act on such requests. Stop payment requests
sent to us via electronic mail or in any other manner may not reach us in time for us to act on your request.
The terms and charge for each stop payment order will be the then current charge and terms for
of Payment. Once your scheduled bill payment is "In Process", we may remit your payment to your Payee by any one of the following means:
(1) by electronic
funds transfer or
(2) by mailing your Payee a check. The timing of when your scheduled bill payment is debited from your Payment Account may vary, depending
on the payment method used.
FSBB Bill Payment Service. You may cancel your use of FSBB Bill Payment at any time by contacting the bank. If you notify us by telephone, we may
request that you put your request in writing. We cannot cancel
your FSBB Bill Payment until all Pending Payments have cleared your Payment Account.
If you have Pending Payments and do not want to wait for them to clear, you may individually delete these future payments. You will not receive a refund of any service fee if you cancel. FSBB may cancel or suspend your FSBB Bill Payment Service, in whole or in part, at any time without prior notice.
Cancellation or suspension shall not affect your liability or obligations under this Agreement.
Funds to Make Payments. In using FSBB Bill Payment, you are requesting that we make payments for you from your Payment
Account. If we are unable to
approve the transaction for any reason (for example, there are not sufficient
funds in your Payment Account
to cover your transaction), the transaction may not be completed. In some instances, if your
account has become overdrawn, you agree
(1) You will immediately reimburse
us for the amount of the transaction;
(2) You will reimburse us for any fees imposed by the Bank as
a result of such overdraft;
(3) You will reimburse us for any fees we incur in attempting to collect the amount of the overdraft;
(4) We are hereby authorized to report the facts
concerning the overdraft to a credit-reporting agency; and
(5) We may immediately close your Payment
Account and terminate
access to FSBB Bill
FSBB CASH MANAGEMENT SERVICES
FOR BUSINESS CUSTOMERS
Please refer to the Business
Banking section of the website
for information on the Cash Management services
available to you.
(1) Install a dedicated, actively
managed firewall, especially if they have a broadband
or dedicated connection to the Internet, such as DSL or cable.
A firewall limits the potential for unauthorized access
to a network and computers.
(2) Install commercial anti-virus and desktop
firewall software on all computer
systems. Free software
may not provide protection against
the latest threats compared with an industry standard
product. Invest in your
(3) Ensure virus protection and security software are updated regularly.
(4) Ensure computers
are patched regularly particularly operating system and key application with security patches.
It may be possible to sign up for automatic updates for the operating
system and many applications.
(5) Install spyware
(6) Limit administrative rights on users' workstations to help prevent the inadvertent downloading of malware or
(7) Create a strong password
with at least 10 characters that include a combination of mixed case letters, numbers
and special characters.
(8) Use a different password for each website that is accessed.
(9) Prohibit the use of "shared"
usernames and passwords for online banking systems.
(10) Never share username
and password information for Online Services
with third-party providers.
(11) Never leave a computer
unattended while using any online
banking or investing service.
(12) Avoid using an automatic login features that save
usernames and passwords for online banking.
Liability. You agree and acknowledge that each person who is authorized to use your account on-line
will have authority
to use the ACH, wire transfer and other features
of the Cash Management
options that are established for and available
to such accounts. Each time you or such persons use Cash Management functions; you will be required to use a unique logon ID, Password,
out of band token code, and follow up fax ACH Transmittal Register. You understand that the Bank has implemented this security procedure for the purpose of verifying
the authenticity of the ACH that you transmit to the Bank, and not for detecting
errors in such instructions. Such security procedure includes a unique file identification number
and transmission password
encryption. You agree that this procedure constitutes a commercially reasonable method of providing security
against unauthorized transactions. You agree to be bound by any instruction issued by you and received
and verified by the
Bank in accordance with such security procedures. You shall indemnify
and hold the Bank harmless
from and against
any loss suffered
or liability incurred
by, or arising from, the execution
of an instruction issued by you, and processed in good faith and in compliance with such security
If your Password is lost or stolen, or is known by an unauthorized individual, you must notify the Bank immediately. Failure
to not promptly notify the Bank could result in a loss of funds. You are responsible for maintaining the confidentiality of your unique Logon ID and Password and you must promptly
report any breach of
confidentiality to the Bank. The Bank reserves
the right to prevent your access to the Cash Management options
of on-line banking
if the Bank has reason to believe the confidentially of your unique logon ID and Password have been compromised. All Cash Management
transactions processed with your logon ID and Password or with
a logon ID and Password
you assigned to an authorized individual will be considered as having been authorized by you. You are liable
for all ACH transfers
performed and authorized with the use of your logon ID and Password, subject
to the limitations set forth in the Banks "Electronic Funds Transfer Disclosure."
Your Password. You agree that we may send notices and other communications, including
Password confirmations, to the current address shown in our records, whether or not that
address includes a designation for delivery to the attention of any particular individual. You agree that we may send notices and other communications, including Password confirmations, to an email address provided
to us during the application process. You further agree that the Bank will not be responsible or liable to you in any way if information is intercepted by an unauthorized person, either in transit or at your place of business. You agree to: (1) keep your Password
secure and strictly confidential, providing it only to authorized individuals on your accounts; (2) instruct each person to whom you give your Password to or each person to whom
you provide an individual Password
to, that he or
she is not to disclose
it to any unauthorized person;
and (3) immediately notify us and select a new Password
if you believe your Password may have become known to an unauthorized person.
THE BANK WILL HAVE NO LIABILITY
TO YOU FOR ANY UNAUTHORIZED PAYMENT OR TRANSFER
MADE USING YOUR PASSWORD OR A PASSWORD
THAT YOU ASSIGNED TO AN AUTHORIZED INDIVIDUAL THAT OCCURS BEFORE
YOU HAVE NOTIFIED US OF POSSIBLE UNAUTHORIZED USE AND WE HAVE HAD A
REASONABLE OPPORTUNITY TO ACT ON THAT NOTICE.
Notice. Contact Information ? Business Accounts
In case of error or questions about your electronic transactions, the business
customer is required
to notify the bank within
24 hours of the settlement date of the unauthorized/erroneous ACH transaction(s). It is the business customer's
responsibility to monitor
their business account on a daily basis
for unauthorized/erroneous ACH
Call us at: 936.395.2141
Write us at: First State Bank of Bedias
P.O. Box 99 Bedias, TX 77831
Online at: www.bediasbank.com
When you notify us, please provide the following.
(1) Your name, account number,
date of transaction, and card number (if any).
(2) Description of the error or transaction you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.
(3) The dollar amount of the