Welcome to First National
Bank’s Internet Banking
This Internet Banking Agreement and Disclosure (the
“Agreement”) discusses how you can use First National Bank’s Internet Banking
(the “Service”) to obtain information about your accounts, to transfer funds
between your accounts, and to request certain other bank services. It also
contains the terms and conditions governing the Service.
If you previously registered for First National Bank’s
Internet Banking, this version of the Agreement replaces the agreement that you
had with us. If you continue to use the Service, you are bound by these terms.
Under this updated Agreement, corporate customers can us the Service to
transfer funds between their First National Bank accounts. (Commercial
customers can use the Service to transfer funds between accounts if they have
the appropriate agreement on file. See Registration – Business Accounts,
below). IF YOU ARE A CORPORATE CUSTOMER AND DO NOT WISH TO HAVE THE ABILITY TO
TRANSFER FUNDS BETWEEN ACCOUNTS USING FIRST NATIONAL BANK’S INTERNET BANKING,
PLEASE CALL US AT 1-888-803-2672, AND WE WILL REMOVE THAT FUNCTION FROM YOUR
If you use First National Bank’s Internet Banking, you
thereby indicate your consent to these terms. You may print a copy of this
Agreement for your records now, or you can refer to this document in the
“Other” section later at your convenience.
PROTECTING YOUR ACCOUNT
First National Bank is strongly committed to protecting the
security and confidentiality of our customer account information. First
National Bank uses state-or-the-art technology in the ongoing development of
its Internet Banking service to ensure this security. We use several different
methods to protect your account information:
can only access First National Bank’s Internet Banking with certain
browsers that have a high security standard.
must have a valid User ID and Password to logon.
- If no
action is taken for 10 minutes, you will be automatically logged off First
National Bank’s Internet Banking.
You agree . . . .
- Not to
give out your identifying information such as your PC password to any
other person. The Bank may rely on your User ID to identify you when
providing banking services to you.
to leave your account information displayed in an area accessible by
to leave your PC unattended while using First National Bank’s Internet
always exit the system by clicking on LOG OFF or EXIT after using First
National Bank’s Internet Banking.
notify First National Bank at 1-888-803-2672 immediately if you suspect
that your User ID or Password has become known to any unauthorized person.
FIRST NATIONAL BANK’S
INTERNET BANKING E-MAIL COMMUNICATIONS:
Electronic messages sent and received via the “Contact Us”
option in First National Bank’s Internet Banking (i.e., once your User ID and
Password have been accepted by First National Bank and your browser shows that
a secure connection as been established) are secure. Communications sent over
the public Internet are not necessarily secure. Therefore, we will not send,
and we strongly suggest that you do not send, any confidential account
information unless using the electronic communication options provided in our
Customer Service section. You agree that we may take a reasonable time to act
on any e-mail. Correspondence that requires expeditious handling - -for
example, if you need to report an unauthorized transaction from one of your
accounts, or if you need to immediately stop payment on a check you have issued,
should be made by calling the Bank. (The toll-free number for the Customer Service Center
is listed on the Information page.) You agree that First National Bank may send
you electronic messages about other products or services we offer.
First National Bank business account customers must first
contact the Bank and enroll in First National Bank’s Internet Banking Services.
If your business has previously received a User ID, your representative may
enter it to register for First National Bank’s Internet Banking.
Accounts you want to link to a User ID, and what activity
level each account linked to your User ID will have: There are some limits on
the accounts that can be linked to your User ID. The person you appoint as your
User ID Administrator will decide which of your accounts to link to each User
ID and what activity level is appropriate for each account linked to the User
Activity Levels for Accounts Linked to your User ID: There
are different activity levels that can be assigned to a User ID. All available
accounts will have at least the Account Summary level. Only checking, money
market deposit accounts, credit card and loan accounts may also have the second
activity level. At the present time, the activity levels are:
1) Account Inquiry: This activity level will allow
you to obtain current account balance and transaction information. This
activity level does not include transferring funds.
2) Transferring Funds: This activity level allows
you to obtain account information, to transfer funds between accounts linked to
the User ID, and to obtain certain other banking services. Each checking, money
market, credit card and loan account linked to your User ID will have this
activity level unless you choose otherwise.
If you are a consumer, and you have a User ID and Password
from us, you will be able to transfer funds between your First National Bank
accounts. If you do not want to have the ability to funds transfer between
accounts using First National Bank’s Internet Banking, or if you want to
restrict the accounts from which you can transfer funds using your User ID and
Password, call us at (888) 803-2672 and we will make the necessary adjustments
to this service for you.
Commercial customers must have a User ID linked to the
account with at least a Funds Transfer activity level to be able to transfer
funds between accounts.
The terms that apply to the Funds Transfer Service are set
forth more fully below.
ONLINE BANKING FUNDS
As a First National Bank’s Internet Banking customer, you
can make immediate transfers between your First National Bank deposit accounts
over the Internet. All such transfers are subject to the terms of these Online Banking
Funds Transfer Provisions (the “Transfer Provisions”).
By using the Funds Transfer Service (the “Service”), you
agree to these Transfer Provisions.
of Terms. As used in the Transfer Provisions, the following words have the
meanings given below. “You” and “your(s)” refer to each person (including
any business) who applies to use the Service, and each person who uses the
Service with the permission of an applicant. “Business” means any
corporation, partnership, limited liability company, sole proprietorship or
any other type of entity maintaining a deposit account for commercial
purposes. “We,” “us,” “our(s),” “First National Bank,” or “Bank” refer to
the First National Bank depository institution (such as First National
Bank of Las Animas) that holds an account that is accessed by the Service.
“Business Day” means Monday through Friday, except banking holidays.
Sections of These Provision Apply to Consumer and Business Customers.
Exclusion. When using the Service in connection with accounts established
primarily for personal, family, or household purposes (“consumer” or
“personal” accounts), Sections 1, and 2, (but not Section 3) of these
Transfer Provisions apply to you. When using the Service in connection
with accounts established primarily for business purposes, Sections 1, 2,
and 3 of these Transfer Provisions apply to you.
to Charge Accounts. You are responsible for all transfers you or your
authorized representatives make using the Service. You authorize us to
debit your designated account(s) for any transactions accomplished through
the use of the Service (including the transfer of funds from another
deposit account or overdraft line of credit that provides overdraft
protection, if you have one of those services in effect). You agree that
we may comply with transfer instructions entered by any one person using
an authorized User ID and Password, notwithstanding any provision that may
be contained in other account documentation purporting to require more
than one signature to withdraw funds from the account.
If you permit another person to use
First National Bank’s Internet Banking or give them your User ID or Password,
you are responsible for transfers, payments or advances that person makes from
the deposit and credit accounts linked to your Service registration even if
that person exceeds your authorization.
of Fees For the Funds Transfer Service. Fees
applicable to the funds
Transfer service are disclosed
under Charges and Fees below.
Banking Funds Transfer Service Particulars.
a. Types of
Transfers & Posting. You can transfer funds between your Checking and
Savings accounts using First National Bank’s Internet Banking. All such
transfers are effective when you complete the transaction online.
b. Limits On Transactions. There is a maximum
dollar limit on any transfer equal to the available balance in your account
plus the available balance or credit balance in any other account attached to
provide overdraft protection.
c. Availability. Funds must be available in the account
from which you wish to transfer funds on the date you enter the transaction.
d. Restrictions on Transfers from Savings and
Money Market Accounts. Under Federal Reserve Board Regulation D, you may make
an unlimited number of deposits or transfers into a savings or money market
account; however, you may make no more than six transfers or withdrawals out of
such an account per monthly statement cycle (not counting transactions made at
ATMs or at banking centers). Transfers made by telephone, personal computer or
funds automatically transferred from a savings or money market accounts to
another deposit account for overdraft protection are counted toward the six
total permitted monthly transfers or withdrawals.
e. Insufficient Funds to Complete Transfer. If you
account does not have sufficient funds to complete a transfer as of the date
the transfer is scheduled to be made, the transfer may not be completed, but if
we do complete the transfer as an accommodation to you, you are responsible for
any overdraft created.
f. Correcting or Canceling Your Transfer. You
cannot cancel your transfer after it has been entered in First National Bank’s
Internet Banking and the information transmitted to us. You can correct
information about a transfer before you send us the information, and you can
use First National Bank’s Internet Banking to reverse a transaction after it
has been entered.
g. Documentation and Verification of Transfers.
The date and amount of transfers made through First National Bank’s Internet
Banking will be shown on the Transaction History screen of First National Bank
and will also be shown on your printed statements for the accounts from which
and to which the transfer is made.
h. Address and Telephone Number For
Notification of Unauthorized Use. If you believe your User ID or Password has
become known by an unauthorized person, or that someone has transferred money
without your permission, call First National Bank immediately at: (888)
803-2672 or write to: First National Bank, PO Box 270, Las Animas, CO 81054. If
you suggest that an unauthorized transfer may have occurred, we may require you
to sign an affidavit.
Also contact us with any other
questions or problems that you may have regarding the Service, including:
* You have a problem with a transfer
you authorized, or your statement reflects a transfer you think is an error.
* You need to obtain documentation
concerning a transfer previously issued from
your account. (There may be a fee
for these requests, as disclosed in the
Schedule of Fees at the end of this
i. Disclosure of Account Information. We may
disclose information to third parties about your account or the payments or
transfers you make:
* When necessary for verifying or
completing payments or transfers, or to resolve a problem related to a payment
* To very the existence and status
of your account for a third party such as a credit bureau or merchant;
* At the Bank’s discretion, to any
of our subsidiaries or affiliates;
* If you give us your written (including
electronic message) permission; or
*As otherwise permitted or required
in the Bank’s Deposit Agreement and Disclosures or other applicable agreements,
or by law or government regulations.
3. Additional Provisions Applicable Only to
Business Accounts. When you transfer funds using First National Bank’s Internet
Banking in connection with business accounts, the information in this Section 3
applies to you.
a. Enrollment Form and Certification of Authority.
Before using the Service, you must execute and deliver to us a User Identifier
Enrollment Form, which includes a Certification of Authority. This enrollment
form is incorporated by reference as part of this Agreement. Only a person
whose User ID has a “Transfer Funds” activity level may sign up for the First
National Bank’s Internet Banking Funds Transfer Service.
b. Protecting Your User ID and Password. You agree
that we may send confidential mailings, including User ID and Password
confirmations, to the current address shown in our records for your primary
checking accounts, whether or not that address includes a designation for
delivery to the attention of any particular individual; and you further agree
that First National Bank will not be responsible or liable to you in any way in
the event that such properly addressed information is intercepted by an
unauthorized person, either in transit or at your place of business.
You agree to:
your User ID and Password secure and strictly confidential, providing them only
to authorized signers on your account (s) or other trusted employees, agents,
etc. who you want to act as your representative to access your account (s);
each person to whom you give your User ID and Password that he or she is not to
disclose them to any unauthorized person; and
notify us and select a new User ID and Password if you believe your
confidential codes may have become known to an unauthorized person.
The Bank shall have no liability to
you for any unauthorized payment or transfer made using your User ID and
Password that occurs before you have notified us of possible unauthorized use
and we have had a reasonable opportunity to act on that notice. We reserve the
right to suspend or cancel your User ID and Password, even without receiving
such notice from you, if we suspect they are being used in an unauthorized or
c. Your obligation to Examine Records and Report
Discrepancies. The Bank provides no separate written confirmation of individual
payments or transfers. Confirmation is provided through online information
available from the Service and through your periodic printed account
statements. You agree to examine your statement promptly and to notify us
immediately of any discrepancy between the statement and your other account records.
You also agree to notify us immediately of any discrepancy you may find in
reviewing online information. In no event shall the Bank be liable for interest
compensation as described below, unless we are notified of a discrepancy within
30 days from the date of your first statement reflecting the discrepancy.
d. Acknowledgement of Commercially Reasonable
Security Procedures. By using the Service, you acknowledge and agree that this
Agreement sets forth security procedures for electronic banking transactions
which are commercially reasonable. You agree to be bound by any instructions,
whether authorized or unauthorized, which we implement in compliance with these
procedures, unless you have given us prior notice of possible unauthorized use
as described above (and we have had a reasonable opportunity to act on such
e. Limitation of Bank’s Liability. If we fail or
delay in making a payment or transfer pursuant to your instructions, or if we
make a payment or transfer in an erroneous amount which is less than the amount
per your instructions, unless otherwise required by law our liability shall be
limited to interest on the amount which we failed to timely pay or transfer,
calculated from the date on which the payment or transfer was to be made until
the date it was actually made or you canceled the instructions. We may pay such
interest either to you or the intended recipient of the payment or transfer,
but in no event shall we be liable to both parties, and our payment to either
party shall fully discharge any obligation to the other. If we make a payment
or transfer in an erroneous amount which exceeds the amount per your
instructions, or if we permit an unauthorized payment or transfer after we have
had a reasonable time to act on a notice from you of possible unauthorized use
as described above, unless otherwise required by law our liability shall be
limited to a refund of the amount erroneously paid or transferred, plus
interest thereon from the date of the payment or transfer to the date of the
refund, but in no event to exceed 60 days’ interest. If we become liable to you
for interest compensation under this Agreement or applicable law, such interest
shall be calculated based on the average federal funds rate at the Federal
Reserve Bank in the district where the Bank is headquartered for each day
interest is due, computed on the basis of a 360-day year.
Unless otherwise required by law,
in no event will the Bank be liable to you for special, indirect or
consequential damages including, without limitation, lost profits or attorneys’
fees, even if we are advised in advance of the possibility of such damages.
MISCELLANEOUS PROVISIONS RELATED AGREEMENTS
Your First National Bank accounts
accessed by First National Bank’s Internet Banking continue to be governed by
the following First National Bank agreements and documents, as they are amended
from time to time:
Agreement and Disclosure
Applicable Personal or Business Schedule of Fees
Miscellaneous Fees for personal or business accounts, and for Money Market
Accounts, your Money Market Account Customer Agreement. If you have overdraft
protection or credit card accounts that are accessed by the Service, they
continue to be governed by the applicable agreements you have with First
National Bank. If any inconsistency exists between such other documentation and
this Agreement, then this Agreement shall control to the extent of the
OUR ABILITY TO TERMINATE SERVICES
You are responsible for complying
with all the terms of this Agreement and with the terms of the agreements
governing the accounts to or from which transfers are made using the Service.
We can terminate your electronic banking privileges under this Agreement
without notice to you if you do not pay any fee, when due, or if you do not
comply with any agreement governing your accounts, or if any such account is
not maintained in good standing.
We can also terminate the Service
if we believe that an actual or potential unauthorized use of your User ID, Password
or account may be occurring.
First National Bank reserves the
right to terminate your access to the First National Bank’s Internet Banking
Service or any portion of it in its sole discretion, without notice and without
limitation, except as may be required by law.
We can amend this Agreement upon
notice to you, which you agree may be sent by e-mail. Any notice will be
effective not later than ten (10) days after we send the notice (unless a law
or regulation requires a longer notice period), whether or not you have
retrieved the notice by that time.
We may, from time to time,
introduce new services that are part of First National Bank’s Internet Banking.
We will update this Agreement to notify you of these new services. By using
First National Bank’s Internet Banking after those new services become
available, you agree to be bound by the terms contained in the revised
You agree that First National Bank
is not responsible for any electronic virus that you may encounter using First
National Bank’s Internet Banking. We encourage you to routinely scan your PC
and diskettes using any reliable virus protection product to detect and remove
any viruses found. Undetected or unrepaired, a virus may corrupt and destroy
your programs, files and even your hardware.
Except as specifically provided in
this Agreement or where the law requires a different standard, you agree that
First National Bank, nor any of its subsidiaries or affiliates nor any third
party service providers engaged by First National Bank to perform any of the
services connected with First National Bank’s Internet Banking shall be
responsible for any damages, loss, property damage or bodily injury, incurred
as a result of your using or attempting to use the First National Bank’s
Internet Banking Service, whether caused by the equipment, software, Internet
browser providers such as Netscape (Netscape Navigator browser) or Microsoft
(Microsoft Internet Explorer browser), Internet access providers or online
service providers or an agent or subcontractor of any of the foregoing. Nor
shall First National Bank or any third party service providers engaged by First
National Bank be responsible for any direct, indirect, special or consequential,
economic, or other damages arising in any way out of the installation, use or
maintenance of the equipment, software, First National Bank’s Internet Banking
or Internet browser or access software, or from the unavailability of First
National Bank’s Internet Banking or for any errors in information provided
through that service.
CHARGES AND FEES
Customer Service requests for
which you may be charged by First National Bank include: ordering copies of
checks, copies of statements or other requests made through the ‘Send a
Request’ option. These service requests are subject to First National Bank’s
normal service charges that were disclosed at account opening and in any
subsequent editions of or amendments to your Schedule of Fees brochure. Please
refer to the latest version of your Schedule of Fees and Disclosure document
and any applicable amendments.
Transfers of funds using First
National Bank’s Internet Banking are free except as follows: If you have a
Money Market Account, the number of transactions that you are allowed during a
monthly statement cycle is limited. Transfers through First National Bank’s
Internet Banking are counted, and if you exceed the total number of authorized
transactions for those accounts, your account will be charged as stated below.
In Savings accounts, the number of
transfers that you are allowed during a monthly statement cycle are limited.
Transfers through First National Bank’s Internet Banking are included, and if
you exceed the total number of authorized transactions for these accounts, your
account may be charged an excessive activity fee. The fees are as follows:
Schedule of Fees:
Excessive activity fees for
accounts with transaction limitations:
Regular Savings after nine per
quarterly statement cycle, each . . . . $1.00*
*includes withdrawals and
transfers at ATMs, teller lines, by telephone, or any other electronic means.
This Agreement, as it may be
amended from time to time, and if you are a business customer, your User ID,
Agreement and Disclosure and the User Identifier Enrollment Form, contain the
entire understanding between you and First National Bank concerning the First
National Bank Internet Banking service, and supersedes any verbal conversation,
other communications, and previous agreements, if any.
YOUR AGREEMENT TO THESE TERMS AND CONDITIONS
Your registration for First
National Bank’s Internet Banking confirms (1) your agreement to be bound by all
the terms and conditions of this agreement; and (2) your acknowledgement that
you received and understand the terms of this Agreement.
FIRST NATIONAL BANK
MOBILE BANKING AGREEMENT AND
The Mobile Banking Agreement and Disclosure states the terms
and conditions that you agree to by using our Mobile Banking
service. This agreement supplements The
First National Bank Deposit Account Agreement and Disclosures, Internet Banking
Agreement, Bill Pay Agreement and any other agreement between you and The First
The terms "you" and "your"
refer to any person subscribing to the Mobile Banking service. The terms "We", "us",
"our", and "bank" refer to The First National Bank. The term Mobile Banking refers to our service
that allows you to access your First National Bank accounts and perform
transactions via your mobile device with web browsing/internet capabilities.
The First National Bank Mobile Banking service is offered as
a convenience and supplemental service to our Internet Banking services. It is not intended to replace access to
Internet Banking from your personal computer or other methods you use for
managing your accounts and services with us.
First National Bank allows you to access your First National Bank
account information, use bill pay, transfer funds between your accounts and
conduct other banking transactions. To
utilize First National Bank Mobile Banking service, you must be enrolled in
Internet Banking and then activate your mobile device inside Internet Banking.
Please read this
entire Agreement prior to using First National Bank Mobile
Banking Service. By using Mobile Banking, you acknowledge your receipt and
understanding of this disclosure and agree to all terms and conditions of this
It is your responsibility to acquire the software or
equipment necessary to use this banking service. To access First National Bank's Internet
Banking and to perform transactions, you must have internet access with a web
browser that supports 128-bit encryption.
You acknowledge that access to this banking service and the availability
of services hereunder is at all time conditional upon the availability of the
computer services, software and system used to communicate your instructions
and the Bank's responses.
FIRST NATIONAL BANK WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE
INCURRED OR SUFFERED BY YOU AS A RESULT, DIRECTLY OR INDIRECTLY, OF ANY
FAILURE, INTERRUPTION, SUSPENSION OR TERMINATION OF SUCH SERVICES OR SYSTEM FOR
WHATEVER REASON, INCLUDING BUTNOT LIMITED TO THE ACTS OR OMISSIONS OF THE
SERVICE OWNER OR ANY THIRD PARTY.
Mobile Banking is available to any persons who have
subscribed to The First National Bank's Internet Banking Service and has a
web-enabled mobile device whose network allows secure SSL traffic.
With Mobile Banking you can instantly:
* View Loan and CD Accounts
* Make Loan Payments
* View Transaction History
* Transfer Funds Between your First National
You agree to take every precaution to ensure the safety,
security and integrity of your account and transactions when using First
National Bank Mobile Banking. You agree
not to leave your mobile device unattended while logged into Mobile Banking and
to log off immediately at the completion of each access by you. The First National Bank highly recommends
using password protection on your mobile device. You are responsible for keeping your Internet
Banking ID and password private. Anyone
to whom you give this information to will have access to your accounts. You are liable for all transactions that you
or anyone to whom you reveal your Internet Banking ID and password
perform. If your Internet Banking ID and
password have been lost, stolen or compromised, immediately notify First
National Bank at 719-456-1512 during business hours of 8:00 a.m. - 5:00 p.m.
MST Monday - Friday.
Limits on Mobile Banking Transactions
Transactions conducted via First National Bank Mobile
Banking are subject to all withdrawal and transfer limitations and excess
activity charges described in The First National Bank Deposit Account
Agreements and Disclosures.
Frequency of Transfers
Transfers from a money market deposit account to another
account or to third parties by preauthorized, automatic, First National Bank
Mobile Banking, Internet Banking, or telephone transfers are limited to six per
month or statement cycle with no more than six by check, debit card, or similar
order to third parties. Preauthorized
transfers from a savings deposit account, through an automated clearing house
(ACH) or otherwise, telephone transfers, mobile banking, and wire transfers are
limited to six per month.
In general, First National Bank Mobile Banking is accessible
24-hours per day, seven days a week; however, First National Bank does not
guarantee the First National Bank Mobile Banking will be available at all
times. Occasionally, due to system
maintenance or reasons beyond our control, the First National Bank Mobile
Banking service may be unavailable.
Transactions are processed on business days only. Every day is a business day except Saturdays,
Sundays, and Federal Holidays. A
transfer initiated before 4:00 p.m. MST on a business day is posted to your
account the same day. A transfer completed
after 4:00 p.m. MST on a business day or on a non-banking day, as specified
above, will be posted on the next business day.
A bill payment initiated before 2:00 p.m. MST on a business day will be
processed on the same day. A bill
payment completed after 2:00 p.m. MST on a business day or on a non-banking
day, as specified above, will be processed on the next business day.
We reserve the right to terminate the First National Bank
Mobile Banking service, in whole or in part, at anytime with or without cause
and without prior notice. In that event,
or in the event that you give us a termination notice, we may (but are not
obligated to) immediately discontinue making previously authorized transfers,
including recurring transfers and other transfer that were previously
authorized but not yet made. We also
reserve the right to temporarily suspend the Services in situations deemed
appropriate by us, in our sole and absolute discretion, including when we
believe a breach of system security has occurred or is being attempted. We may consider repeated incorrect attempts
to enter your Internet Banking ID or password as an indication of an attempted
security breach. Termination of services
does not affect your obligations under this Agreement with respect to
occurrences before termination.
First National Bank does not guarantee that your mobile
device/mobile device service plan will be compatible with our First National
Bank Mobile Banking service. You are
responsible for understanding the operation and maintenance of your mobile
device. First National Bank is not
responsible for any errors or problems related to your mobile device, mobile
service provider, or mobile internet access.
Nor are we responsible for any fees assessed by your telephone company,
internet service provider, or any other outside party. You agree that only your mobile service
provider is responsible for its products and services. Accordingly, you agree to resolve any
problems with your provider directly without involving us.
Mobile devices with internet capabilities are susceptible to
viruses. Customers are responsible for
making sure that the mobile device they are using to access First National Bank
Mobile Banking is protected from and free of viruses, worms, Trojan horses, or
other similar harmful components (collectively, referred to as
"viruses"), which could result in damage to programs, files, and/or
your device or could result in information being intercepted by a third party. First National Bank will not be responsible
or liable for any indirect, incidental, special or consequential damages that
may result from such harmful components being present on the mobile device, nor
will First National Bank be responsible or liable if sensitive information
accessed via our First National Bank Mobile Banking service is intercepted by a
third party due to any of the above named "viruses" residing or being
contracted by the customer's mobile device at any point or from any source.
We are not responsible for errors or delays or your
inability to access the service caused by your equipment. We are not responsible for the cost of
upgrading your equipment to stay current with the services nor are we
responsible, under any circumstances, for any damage to your equipment or the
data resident thereon.
You may choose to communicate with First National Bank using
electronic mail. However, be advised
that email transmissions are not secure.
We strongly discourage you from sending confidential account information
to First National Bank via email. First
National Bank is not responsible for any error or problems of any kind
involving your email. At no time will
any First National Bank employee ask for confidential information over email.
First National Bank may, periodically, introduce new Mobile
Banking services. By using the new
services when they become available, you agree to be bound by the terms and
conditions concerning these services.
First National Bank does not charge a fee for this service;
however, all other fees associated with your accounts apply. Standard text messaging rates, data rates and
other taxes and additional fees from your mobile device service provider may
apply when using First National Bank Mobile Banking. Check with your specific mobile device
service provider for more information on fees.
Transfers and Error
Transfers and Error Resolutions are provided in the
Electronic Funds Transfer Agreement and Disclosure for Internet Banking. Please refer to the Agreement and Disclosures
for complete information and rules regarding these topics.
You agree not to use First National Bank Mobile Banking or
the content or information delivered through First National Bank Mobile Banking
in any way that would be considered illegal.
Unless caused by our intentional misconduct or gross
negligence, you agree to indemnify, defend and hold harmless First National
Bank and its officers, directors, employees, consultants, agents, service
providers, and licensors from any and all third party claims, liability,
damages, expenses and cost caused or arising from
(1) a third party claim, dispute, action, or allegation of
infringement, misuse, or misappropriation based on information, data files, or
otherwise in connection with the First National Bank Mobile Banking service;
(2) your violation of any law or rights of a third party; or
(3) your use, or use by a third party of First National Bank
You may contact First National Bank at 719-456-1512 or
888-803-2672 during regular business hours of 8:00 a.m. - 5:00 p.m. MST Monday
-Friday. You can also write us at the
following address: First National Bank,
PO Box 270,
Las Animas, CO 81054.