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 House.
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
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.
Equipment 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, 7.1, 8.0
Windows 7 or later
Mac � OS 10.7.4
iPad 3 or later
other browsers may work with the OLB, these browsers provide the highest level
of security, accuracy, and functionality and an optimal visual experience. We
required for certain OLB features to function properly.
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 hardware.
Computer hardware and software product questions in general
should be directed to the hardware or software manufacturer.
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.
In 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 Account
Direct Checking Account
Money Market Account
Standard Savings Account
Junior Savings Account
Business Checking Account
account that requires two or more signatures to make withdrawals, transfers or
other transactions will not be eligible to make any transfers via Online
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:
Your consent applies to disclosures and notices regarding
your accounts or our internet
service, and it applies to your periodic
consent, you have the right to receive
all required disclosures in paper or non-electronic form;
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 us;
You can withdraw
your consent at any time by calling us; and
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 us.
We reserve 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
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.
Transaction Posting. Transactions entered 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.
Limitations on Frequency of Transfers. In addition
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
constitutes acceptance 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
deposit account 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 without
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
statement at least quarterly.
Financial 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:
If, through no fault of
ours, you do not have enough money in your account to make the transfer.
If you have an overdraft line, and the transfer would go over the credit limit.
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.
If the funds are subject to legal process
or other encumbrance restricting the transfer.
There may be other exceptions
stated in our agreement
Except as expressly
required by these terms or otherwise required by law, we
will not be liable for any losses
or damages resulting from:
Deficiencies in your computer hardware or
software or in your ability or
care in using them, or
Problems relating to your
access to the internet.
Confidentiality. We can disclose information to third parties
about your account
or the transfers you make:
Where it is necessary for completing transfers; or
In order to verify the existence
and condition of your account
for a third party, such as a credit bureau or merchant;
In order to comply
with government agency or court orders;
As explained in our separate
Unauthorized 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.
Contact 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.
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
Tell us your name
and account number (if any).
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
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:
INFORMATION IS AVAILABLE
FSBB ONLINE BILL PAYMENT PROGRAM AGREEMENT
Except as otherwise provided in a future separate written agreement, the
following is our Online Bill Payment Program:
Definitions. 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.
Qualifying 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.
Information 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.
Payment 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:
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
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.
Limits. The amount
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.
Payee Limitation. 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.
International Payments. International payments
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.
Payment 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.
Reasonable Efforts. 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:
If, through no fault of ours, your Payment Account does not contain sufficient and available funds to complete the transaction;
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
The Payee, or any processing third party, mishandles or delays a payment
sent by us;
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;
Circumstances 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;
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.
Definition 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.
Stop 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
Means 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
(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.
Canceling 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.
Non-Sufficient 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
You will immediately reimburse us for the
amount of the transaction;
reimburse us for any fees imposed by the Bank as a result of such overdraft;
reimburse us for any fees we incur in attempting
to collect the amount of the overdraft;
We are hereby
authorized to report the facts concerning the overdraft to a credit-reporting agency;
We may immediately close your Payment
Account and terminate
access to FSBB Bill
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.
Business Customer Responsibilities
(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
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.
Install spyware detection
Limit administrative rights on users' workstations to help prevent the inadvertent downloading of malware or
Create a strong password with at least 10 characters that include a combination of mixed case letters, numbers
and special characters.
Use a different
password for each website that is accessed.
Prohibit the use of �shared� usernames and passwords for online banking systems.
Never share username and password information for Online Services
with third-party providers.
Never leave a computer unattended
while using any online banking
or investing service.
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.�
Protecting 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.
Error Resolution Notice. Contact Information � Business & Consumer 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 transactions.
Call us at: 936.395.2141
Write us at:
First State Bank of Bedias
Bedias, TX 77831
Online at: www.bediasbank.com
When you notify us, please provide the following.
Your name, account
number, date of transaction, and card number (if any).
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.
The dollar amount of the suspected error.
as otherwise provided in a future separate written agreement, the following is
our Mobile Banking Agreement and Mobile Deposit Agreement
Mobile Services. Your enrollment in the Online Service may
include access to some products and services through a mobile device or via the
First State Bank of Bedias Mobile Banking App (�Mobile Services�). By using the
Mobile Services, you agree to the following terms. You agree that we may send
you information relative to Mobile Services through your communication service
provider in order to deliver them to you and that your communication service
provider is acting as your agent in this capacity. You agree to provide a valid
phone number and e-mail address so that we may send you certain information
about your applicable account or otherwise related to the Mobile Services.
Additionally, you agree to indemnify, defend and hold us harmless from and
against any and all claims, losses, liability, cost and expenses (including
reasonable attorneys' fees) arising from your provision of a phone number or
e-mail address that is not your own or your violation of applicable federal,
state or local law, regulation or ordinance. Your obligation under this
paragraph shall survive termination of the Agreement.
The Mobile Services are provided for your convenience and do not replace your
monthly account statement(s), which are the official record of your accounts.
You understand and agree these services may not be encrypted and may include
personal or confidential information about you such as your account activity or
status. Delivery and receipt of information, including instructions for
payment, transfer and other move money transactions, through the Mobile
Services may be delayed or impacted by factor(s) pertaining to your Internet
service provider(s), phone carriers, other parties, or because of other reasons
outside of our control. We will not be liable for losses or damages arising
from any disclosure of account information to third parties, non-delivery,
delayed delivery, misdirected delivery or mishandling of, or inaccurate content
in, information and instructions sent through the Mobile Services.
Additionally, not all of the products, services or functionality described on
the Site(s) and the Agreement are available when you use a mobile device.
Therefore, you may not be eligible to use all the products, services or
functionality described when you access or try to access them using a mobile
device. We reserve the right to determine your eligibility for any product,
service, or functionality. Information available via the Mobile Services,
including balance, transfer and payment information may differ from the
information that is available directly through the Online Service and Site(s)
without the use of a mobile device. Information available directly through the
Online Service and Site(s) without the use of a mobile device may not be
available via the Mobile Services, may be described using different terminology
(including capitalized terms used in the Agreement or on our Site(s), or may be
more current than the information available via the Mobile Services, including
but not limited to account balance information. The method of entering
instructions via the Mobile Services may also differ from the method of
entering instructions directly through the Online Service without the use of a
mobile device. Processing of payment and transfer instructions may take longer
through the Mobile Services. We are not responsible for such differences,
whether or not attributable to your use of the Mobile Services. Additionally,
you agree that neither we nor our service providers will be liable for any
errors or delays in the content, or for any actions taken in reliance thereon.
You are responsible for any and all charges, including, but not limited to,
fees associated with text messaging or data usage fees imposed by your
communications service provider. We are not responsible for any damages
resulting from your failure to comply with any terms and conditions provided by
your communication service provider or any app store.
Alerts and Mobile Text Services. Your enrollment in the Online Service
includes access to mobile text messaging related services (collectively, �Text
Services�) and Alerts. By receiving or otherwise using these services, you
agree to the following terms for these services. You agree that we may send
messages through your communication service provider in order to deliver them
to you and that your communication services provider is acting as your agent in
this capacity. We may use a telephone number, e-mail address or other delivery
location we have in our records for you or other such contact information as
you may provide to us for these services so that we may send you certain
information about your applicable account. Additionally, you agree to
indemnify, defend and hold us harmless from and against any and all claims,
losses, liability, cost and expenses (including reasonable attorneys' fees)
arising from your provision of a phone number, e-mail address, or other
delivery location that is not your own or your violation of applicable federal,
state or local law, regulation or ordinance. Your obligation under this
paragraph shall survive termination of the Agreement. The Alerts and Text
Services are provided for your convenience and do not replace your monthly account
statement(s), which are the official record of your accounts. You understand
and agree these services may not be encrypted and may include personal or
confidential information about you such as your account activity or the status
of your account. You also understand that there may be a disruption in service
when you change your communications service provider. Messages may be delayed
or impacted by factor(s) pertaining to your Internet service provider(s), phone
carriers, or other parties. We will not be liable for losses or damages arising
from any disclosure of account information to third parties, non-delivery,
delayed delivery, misdirected delivery or mishandling of, or inaccurate content
in, the messages sent through the Alerts and Text Services. The Text Services
are only available to customers who have an eligible account with us, and you
may be automatically enrolled to receive certain Alerts. While you have to have
an eligible account to use the service, once it is activated, if you have other
types of accounts with us, you may have access to those other accounts as well.
There is no service fee for the Alerts and Text Services but you are
responsible for any and all charges, including, but not limited to, fees
associated with text messaging imposed by your communications service provider. Message
and data rates may apply. Such charges include those from your communications
service provider. Message
frequency depends on user preferences.
For additional assistance with the Alerts and Text Services, contact customer
service at 936-395-2141 or 979-589-2407 during FSBB�s business hours.
FSBB Mobile Deposit Terms and Conditions
Our Remote Deposit Capture
Deposit Services (Services) allow you to create Images of Eligible Items that
you receive and then Transmit those Images to us for
deposit into an Account as provided by the Program.� We will then attempt to process and collect
these deposited Images for payment.
Your Agreement with
Us. This Agreement contains the terms for our Services.� You agree to the
terms of this Agreement when you
enroll and each time you use the Services.� Not all Accounts
are eligible for the Services.
meanings of the terms you see in italics appear in the Glossary Section at the
end of this Agreement.� To make the Agreement easier to understand, we also us the following personal
�You� and �your�
means the person, persons or Business that use or receive the Services and any
joint or other authorized Account holder or authorized party on the Account and
their successors and assignees.
�We�, �us�, and �our�
means First State Bank of Bedias and its agents, processor, affiliates,
representatives, successors and assignees.
The terms of this Agreement are in addition to the other agreements, disclosures and
fee schedules you have from us related to your Account including those for our mobile banking and online banking
services.� If there is a disagreement
between the terms in this Agreement
and those in other agreements related to the Services, this Agreement
Image Transmission, Processing and Payment. All Images you Transmit to us using the Services must be legible and meet our Program requirements including hardware
and software requirements such as required Mobile
Devices, operating systems and camera specifications.� All required hardware and software will be at
The information you Transmit to us
must meet the requirements to create a Substitute
Check (including all MICR-line information) and contain the correct amount
of the Eligible Item.� Also, each Image must meet the technical requirements of an �electronic item�
under Regulation J and Federal Reserve Operating Circulars.� Addition requirements will be included in the
When you Transmit an Image to us,
you agree that the Image is an �item�
as defined by the UCC and is the
legal equivalent of the Eligible Item
for all purposes including our qualifying as a holder-in-due-course for it as
described by the UCC.
We can attempt to process, collect,
present for payment, return or re-present your Images in any way we choose that is allowed.� This includes as Images under private agreement or clearinghouse rules, as automated
clearinghouse entries (ACH) under the National Automated Clearinghouse
Association (NACHA) rules, through a Federal Reserve payment service under
Regulation J and Federal Reserve Operating Circulars, or as Substitute Checks.
We can reject any Image for any reason at our option and
without liability, even where we have provided you with a confirmation
notice.� If we do reject your Image, we will notify you.
If an Image does not meet our Program
processing requirements, we can also at our option:
process the Image as received for payment;
correct the Image or its accompanying data and process the corrected Image for payment;
process the deposit for payment in
another format as allowed; or
debit (chargeback) your Account
for the amount of the Image.� If you request a copy of the charged back Image, we can return it to you in any
way we choose including along with its accompanying data or as a Substitute Check.
When you successfully Transmit an Image
to us, we will confirm it by sending you a notice on you Mobile Device that we have received your Image.� Our notice does not
mean that your Transmission and
deposit are complete.� All of your Images are subject to our further
verification prior to being accepted for deposit and final payment after
Eligible Items for the Services. The Services can
only be used for Eligible Items.� Certain items are not eligible for the Services, and you will not Transmit them to
us.� These include items that:
are not payable in U.S. currency;
�are not drawn on a financial institution
located in the U.S.;
�are payable to someone other than you;
�are money orders, savings bonds, or traveler�s
�are checks authorized
over the telephone and created remotely.�
These are sometimes called �remotely created checks� or �telephone
�are images of a check
that never existed in paper form.� These
are sometimes called �electronically created items�;
�must be authorized or activated by us prior to
have already been deposited by or
returned to you;
are not legible or do not conform to
our Image processing standards;
�contain alterations or that you suspect, or
should suspect, are fraudulent, not authorized, suspicious or not likely to be
�are not dated,
post-dated, or more than 6 months old when Transmitted.
Limits for the Services. The Services are
provided at no additional charge to you.
The Services are subject to limits including daily and monthly limits
on the dollar amounts of Images you
can Transmit.� We can modify these limits and add others at
any time at our option.
We will inform you of your limits
when you enroll in the Services.� After that, we will tell you on your Mobile Device what your remaining
transaction limits are for the Services.� However, we do not need to tell you if we
believe a transaction limit is necessary to maintain or restore the security of
an Account, the Services or the Program.
Your Handling of the Original Eligible Item. When you Transmit an Image to us, you will still have
possession of the original Eligible Item.� In order to further prevent an additional
submission of the original Eligible Item
for payment, you will take the following steps:�
Before you Transmit an Image to us, you will endorse (write your signature) on
the back of the original Eligible Item
followed by the words �For deposit only
to First State Bank of Bedias, Account # (write
number)� or as we otherwise tell you;
You will keep the original Eligible Item in a safe place until we
send you a notice confirming that your deposit has posted to your Account.
After we send you a notice
confirming that your deposit has posited to your Account, you will destroy the original Eligible Item by shredding it or cutting it up.
Availability of Your Deposits using the Services. Eligible Items deposited using the Services
are not subject to the funds availability requirements of Regulation CC or our Availability Schedule.� This will be true even if we provide you with
Regulation CC disclosures or notices.�
For deposits made using the Services,
we will still generally follow our Availability
After you Transmit an Image to us,
we can place an extended hold on your deposited funds as described in our Availability Schedule.� If we do, we will separately tell you and
when you can expect your funds to be available for withdrawal.� You agree that we can include deposits made
using the Services in deciding to
place large deposit extended holds as described in our Availability Schedule.
If you successfully Transmit an Image to us before 3:00 PM Central time
on a Business Day that we are open,
we will consider that day to be the day of your deposit.� After that time or on a day we are not open,
we will consider the deposit to be made on the next Business Day that we are open.
addition to notices we send to your Mobile
Device we will also send you notices about the Services in other ways including by ordinary mail and e-mail.� For example, we may send you messages by
e-mail or ordinary mail about the processing status of your Image(s) and when your deposited funds will
be available for withdrawal.� These
messages will be your record of your transactions using the Services.
In order to help us communicate with
you about the Services, you will give
us your current mailing and e-mail addresses and promptly let us know when
these change along with any new address(es).
can chargeback your Account or any
other deposit account you have with us for the amount of any item, its image or
any paper or other electronic representation of an item that is:
Returned to us; or
Is rejected by us for a reason
including where we believe it has been previously submitted or deposited with
us or with anyone else.�
This is true even if you have made
withdrawals against it.� We can also
charge fees connected to the chargeback as described in your fee schedule and
other agreements with us.
are responsible for protecting your Mobile
Device against unauthorized use as well as any losses and damages from
unauthorized access.� You will protect
your Mobile Device, set up strong
passwords and take other reasonable security precautions to protect your Mobile Device from unauthorized
use.� We are not responsible or obligated
for any of these security precautions and will also not have any obligations or
liability of any kind for them or if you don�t take them.
You will also:�
keep your passwords secret and
change them regularly;
limit access to your Mobile Device and passwords to those who
have a legitimate need for them;
supervise all people that you allow
to use the Services;
regularly monitor access and use the
Services including promptly reviewing
your Account statements;
tell us immediately when your Mobile Device is lost or stolen or you
believe there has been any unauthorized activity involving the Services; and
promptly change your passwords and remove anyone who is no longer
authorized to use the Services.
Service Disruptions of the Services. The Services might
not be available for time to time due to maintenance, technical problems or
other reasons.� We are not responsible if
the Services are not available.
No Warranties. WE
MAKE NOT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, REGARDING THE SERVICES OR THE PROGRAM, WHICH ARE PROVIDED ON AN �AS IS� BASIS.� FOR EXAMPLE, WE MAKE NO WARRANTY THAT THE SERVICES OR PROGRAM WILL BE AVAILABLE, TIMELY, SECURE
OR ERROR FREE.� WE ALSO DISCLAIM ALL
IMPLIED WARRANTIES OF MERCHANTABILITY FITNESS FOR A PARTICULAR PURPOSE OR
Limitation of Liability. WE WILL NOT BE RESPONSIBLE FOR: (1) ANY DAMAGES, INCLUDING
LOST PROFITS, LOST SAVINGS OR OTHER DIRECT, INDIRECT, INCIDENTAL, SPECIAL,
CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE
THE SERVICES OR THE PROGRAM; OR (2) ANY CLAIM BY ANOTHER
PERSON OR PARTY REGARDLESS OF OUR ACT OR OMISSION AND EVEN IF WE HAVE BEEN
ADVISED OF THE POSSIBILITY OF THOSE DAMAGES.
Your Additional Promises to Us
You also promise that:
Your Account is in good standing;
All users of the Services will be authorized to make
transactions on the Account;
If another person used the Services with your Mobile Device, you will be responsible for their actions on the Account as well as anyone else they
allow to use your Mobile Device.� This will be true even if you did not want,
or agree to, their use.
You will only Transmit Images of Eligible
Items to us;
You will follow all of our Program requirements and our
instructions for using the Services;
All information you provide to us is
The front and back of each Image you Transmit to us accurately shows all information on the Eligible Item and satisfies all of our Program requirements including our
imaging and processing requirements;
Each Image you Transmit to us
and all signatures appearing on it are genuine and authorized;
The Eligible Item has not been previously submitted or deposited with
us or with anyone else and will not be again unless we tell you to;
When we send you a notice on your Mobile Device confirming that you have
successfully Transmitted an Image to us for deposit, you will not
negotiate, transfer, transmit, deposit or present the Eligible Item or a duplicate of it in any form;
After Transmission to us, you will not have the Eligible Item stopped or cancelled, or have a replacement issued;
No person or party will receive
presentment, return of, or otherwise be charged for, the original Eligible Item, its Image or a paper or electronic representation of the original Eligible Item such that that person will
be asked to make payment based on an Eligible
Item that it already has paid; and
You will follow all laws,
regulations, disclosures, and other terms related to the Services including this Agreement,
the Rules Governing Deposit Accounts with us, the Program requirements and the terms and disclosures for our mobile
banking and online banking services.
will indemnify, defend and hold us harmless for any loss or causes of action
for your breach of any promises you make to us in this Agreement or otherwise, as well as any warranty or indemnity we
provide in connection with the processing, collection, presentment for payment,
return or re-presentment of an Image
or other item transmitted to us using the Services.
Modification, Suspension and Cancellation of the Services
We can at any time and at our
Change any part of this Agreement or the Services, unless we previously
told you we would not.� If we do, we will
tell you about the changes we have made.�
When you later use the Services
you agree to all changes we have made; and
Suspend or cancel the Services or your ability to use the Services without notice to you.� If we do, it will not affect any of our
rights or your obligations to us.
Your rights and obligations in the
event of an error in connection with the Services
are described in the Rules Governing Deposit Accounts for your Account.
This Agreement will be governed by federal law and, where applicable, by
the laws of the state governing your Account
whether or not you live in that state or use the Services in that state;
The Services could be affected by the terms of other agreement you have
with other parties including for your Mobile
Device and your mobile service.� We
have no responsibility of obligations under any of these agreements, and this Agreement will not change any of your
rights and obligations under them.
Any �memo� field we provide for your
Mobile Device in connection with the Program and the processing of your
Images will be only for your use and future reference.� We will not review or be obligated by
anything you enter into this field.� Do
not include sensitive or confidential information like Social Security or
account numbers in the �memo� field.
We do not charge for use of the Services, but message and data rates
could apply form your mobile service provider;
If any provision of this Agreement is found to not be
enforceable, the other provisions of this Agreement
will remain valid and enforceable;
Our failure to enforce any term(s)
of this Agreement will not be a
waiver or affect our right to later enforce that term;
This Agreement will bind and benefit all of your and our successors and
You cannot assign this Agreement or your rights and obligations
under it to someone else without our permission.� We can assign this Agreement and our rights and obligations to someone else without
your permission or prior notice to you.�
They will then take our place under this Agreement;
Your promises to us � including your
indemnification of us � will continue even after this Agreement ends;
We can audit your use of the Services to confirm your compliance with
this Agreement.� You will cooperate and provide all
information and documents we reasonably ask for related to the Services or the Program;
No other person or party will have
rights or claims against us under this Agreement,
A photocopy or other image of this Agreement can be used as the original.
Account is your
checking, savings, money market or other eligible deposit accounts with us that
we permit you to use the Services to
make deposits.� In general, these are
accounts where you have access and authority as an authorized signer according
to our records, including as provided in our online banking services.
all the terms and disclosures related to your use of the Services.
Availability Schedule is
the section in our Rules Governing Deposit Account titled �Deposit Availability
Disclosure� which describes when we will make funds deposited by you available
for your withdrawal.
�Business Days are Monday through Friday.�
Federal Reserve holidays are not included.
Business Representative is
a person who is authorized by the Business in a way that is acceptable to us to
access and make transactions on the Account including using the Services.
Eligible Items are
paper items that are defined as checks by Regulation CC and other paper items
(not prohibited by this Agreement or
rejected by us) to be converted into Images
and deposited into your Account
using the Services.
Image is an accurate
electronic picture or replica of the front and back of an Eligible Item and related deposit information that you Transmit to us and attempt to deposit into your Account
using the Services.
Program means all
computer software, documentation and materials that we provide in connection
with the Services.
Services mean our remote
deposit capture services that allow you to use a camera on your Mobile Device to create Images of Eligible Items and send and deliver
those Images electronically to us or
our processing agent for deposit into your Account.
Substitute Check is
a paper reproduction of an original check created from an electronic image that
meets certain requirements described in Regulation CC.� These are sometimes called �image replacement
documents� or �IRD�s�
Transmit or Transmission means
to send and deliver an Image
electronically to us or our processing agent for deposit into your Account using your Mobile Device as provided by the Program.
UCC is the Uniform
Commercial Code as adopted in the state for your Account.