First National Bank recognizes and respects our responsibility to protect our customers' private information. The success of a financial institution, like ours, depends heavily on the level of trust and confidence it enjoys with its depositors and shareholders. In continuing our commitment to provide quality service to our customers, First National Bank has adopted the following privacy statement for officers, directors, and employees. The privacy statement applies to individuals, and First National Bank reserves the right to amend it at any time. If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.
Visitors to the First National Bank web site remain anonymous. We do not collect personal identifying information about site users, unless you choose to provide such information to us. Standard software is used to collect and store ONLY the following non-identifying information about our visitors: the name of the domain from which you access the Internet; the date and time you access our site; and the Internet address of the website from which you linked directly to our site. Visitors may elect to provide us with personal information via email or our feedback form. This information is used internally, as appropriate, to handle the sender's request and manage the First National Bank web site. It is not disseminated or sold to other organizations. Visitors should, however, keep in mind email is not necessarily secure against interception. Visitors should call us directly at 877.846.7811 if requests or statements include sensitive or private information, such as your account numbers, credit card numbers or social security number. First National Bank will never ask you for your Personal Identification Number (PIN) for your debit or ATM card or Credit Card. If you are asked for this information, please call 877.846.7811 and report it to a personal banker/customer service representative immediately.
We collect, use and retain information about our customers only where we reasonably believe it would be useful in administering our business, and providing products, services, and other opportunities to our customers. We collect and retain information only for specific business purposes - and will tell you why we are collecting and retaining it upon your request. We use information to protect and administer our customers' records, accounts, and funds; to comply with certain laws and regulations; to help design or improve our products and services; and to understand your financial needs and provide you quality products and outstanding service. If you send us email, we may retain the content of the email and your email address in order to respond to questions or concerns that you may have expressed.
We have implemented procedures to help assure that our customers' financial information is accurate, and complete in accordance with commercial standards. While some procedures are required by Federal or State law, we also have procedures for responding to requests to correct inaccurate information in a timely manner, and to update information and remove old information. Customers should notify us immediately at First National Bank, 5801 Sunnybrook Drive · Sioux City, IA · 51106 if they receive information regarding their relationship with us that they believe to be inaccurate.
We do not reveal specific information about our customers' accounts or other personally identifiable data unless (1) our customer has requested or authorized it; (2) the information is provided to help complete a transaction initiated by our customers; (3) the information is provided to a reputable credit bureau or similar information reporting agency; or (4) disclosure is lawfully permitted or required.
At times it is necessary to provide personally identifiable information about our customers to a third party, such as a vendor or service company we hire to provide support or services for one or more of our products. These vendors and service companies agree to safeguard our confidential customer information and must abide by applicable law.
If you believe First National Bank has misused information obtained through this web site, or if you have questions or concerns regarding this privacy policy, please contact us at 877.846.7811 to resolve any disputes.
In consideration of the Internet Banking services ("Services") to be provided by First National Bank ("BANK"), as described from time to time in information distributed by BANK to its customers. In the agreement, "Customer" refers to the person(s) subscribing to or using the Service, the Customer agrees as follows. You may use a Personal Computer (PC) through an Internet connection to obtain account balances and transaction information. You may also use your PC to obtain statements on your accounts and to transfer money between your accounts. However, transfers from your savings and Money Market accounts are considered pre-authorized transfers, and pre-authorized transfers are limited to six (6) per monthly statement cycle by Federal regulations. In addition, you may use your PC to electronically direct us to make payments from your account to third parties ("Payees") that you have selected to receive payment through the Service. You may make payments through the Service to any business professional, merchant, family member, or friend.
The ("Account") means your designated bill payment checking account at BANK from which we make bill payments on your behalf pursuant to the Agreement. By subscribing to the Service or using the Service to make any payments to a third party, you agree to the term of the Agreement.
You may include all the merchants, individuals, or institutions you wish to pay through First National Bank's BillPay. Include a complete mailing address and telephone number for each and your account number with each payee. We reserve the right to decline to make payments to certain persons and entities.
Each individual who has access to First National Bank Internet Banking, including each individual named on joint accounts, must designate a Personal Identification Number ("PIN") and user code. After logging in with your Telebank user code (your account number) and Telebank PIN, change your password for First National Bank Internet Banking to be a minimum of 8 characters and using at least (1) alpha and at least (1) numeric character. If you have any questions, please call 877.846.7811.
You may choose to add BillPay and use your PC to electronically schedule payments with the Service. Payments are posted against your balance available for withdrawal, as defined in the BANK's Funds Availability Policy.
You may schedule payments to be initiated on the current business day, on a future date, or on the same date of each month, subject to the restrictions in the Agreement. Although you can enter payment information through the Service twenty-four (24) hours a day, seven (7) days a week, payments can be initiated only on business days. Funds will be deducted from your Account on the business day on which a payment is to be "initiated." This date is referred to in this agreement as the "Transaction Date". If you direct the initiation of a payment to occur on a day other than a business day, it will be initiated on the following business day.
After funds are withdrawn from your Account, we may remit your payment by mailing your Payee a check, by electronic funds transfer, including ACH (automated Clearing House) or by other means. Because of the time it takes to send your payment to them, your Payees generally will not receive payment on the Transaction Date. This applies regardless of whether the payment is a next-day payment, a future payment, or a recurring payment, as described below. Therefore, in order to provide sufficient time for payments to be received by your Payees, the Transaction Date should be seven (7) days prior to the date your payment is due, excluding any applicable grace periods (the "Due Date"). It is helpful if you allow additional time for a payment to be completed the first time you send a payment to a Payee through the Service. This allows the payee to adjust to the new form of payment. You may schedule a payment to be initiated on any business day or any future date. Payments must be scheduled by the normal cutoff time of 6 p.m. (Central Standard Time) on any business day in order for the payment to be initiated for that business day. Transfers must be scheduled by the normal cut-off time of 6 p.m. (CST) on any business day in order for the transaction to be completed on that business day.
Recurring payments are those made for the same amount and are made on a weekly, bi-monthly basis, etc. Once started, recurring payments will be made automatically until you tell us to stop or cancel the service and we have a reasonable opportunity to react.
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we might be liable for some of your losses or damages. However, there are some exceptions. We will not be liable for instance:
You may place a stop payment on initiated payments. A payment that has been sent may be stopped for a fee of $20.00 per item, but the BANK will not guarantee the ability to stop an item. You may request the stop payment by contacting the BANK via phone, in person or email.
All payments, transfer, and/or fees made with the Service will appear on your monthly Account statement. The Payee name, payment amount, and date of the payment will be shown for each payment made through the Service during that month
.Fees for Services shall be payable in accordance with a schedule of charges as established and amended by BANK from time to time. Charges shall be automatically deducted from customer's Account, and BANK shall provide to Customer monthly notice of such debit(s) on your statement.
You are solely responsible for the equipment (including, in the case of Internet Banking, your personal computer and software) you use to access the Services. We are not responsible for errors or delays or your inability to access the Services caused by your equipment. We are not responsible for the cost of upgrading your equipment to stay current with the Service nor are we responsible, under any circumstances, for any damage to your equipment or the data resident thereon.
Our business hours vary by location. Although payments and transfers can be completed only on business days, the Service is available 24 hours a day, seven days a week, except during maintenance periods, for the scheduling of payment orders and transfers.
Security of your transactions is important to us. Use of the Services may therefore require a PIN or password. If you lose or forget your PIN or password, please call 877.846.7811 during normal business hours listed above. We may accept as authentic any instructions given to us through the use of your password or PIN. You agree to keep your PIN and password secret and to notify us immediately if your PIN or password is lost or stolen or if you believe someone has discovered your PIN or password. You agree that if you give your PIN or password to someone else, you are authorizing them to act on your behalf, and we may accept any instructions they give us to make transfers or otherwise use the Services. Internet Banking Services enable you to change your password; we require that you do so regularly. We may be liable for certain security breaches to the extent required by applicable law and regulation. We do not assume any other liability or otherwise guarantee the security of information in transit to or from our facilities. Please note that we reserve the right to (1) monitor and/or record all communications and activity related to the Services; and (2) require verification of all requested transfers in the manner we deem appropriate before making the transfer (which may include written verification by you). You agree that our records will be final and conclusive as to all questions concerning whether or not your PIN or password was used in connection with a particular transaction. If any unauthorized use of your PIN or password occurs you agree to (1) cooperate with us and appropriate law enforcement authorities in identifying and prosecuting the perpetrator; and (2) provide reasonable assistance requested by us in recovering any unauthorized transfer of funds.
Tell us at once if you believe your PIN or password has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum line of credit). If you tell us within two (2) business days, you can lose no more than $50. If you do NOT tell us within two (2) business days after you learn of the loss or theft of you PIN or password, and we can prove we could have stopped someone from using your PIN or password 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 sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have prevented someone from taking the money if you had told us in time. If you believe your PIN or password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call 877.846.7811 during normal business hours listed above. We cannot accept notification of lost or stolen PINs or passwords or unauthorized transfers via email.
In case of errors or questions about your electronic transactions, telephone us at 877.846.7811, Monday through Friday or write us at:
First National Bank Attention: Electronic Banking Department 5801 Sunnybrook Drive · Sioux City, IA · 51106as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared.
You will need to
If you tell us verbally, we may require you to send us your complaint or question in writing within ten (10) days following the date you notified us. We will determine whether an error occurred with in (10) business days (twenty(20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account with in thirty (30) days after the first deposit to the account was made) for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. If we determine there was no error, we will reverse the previously credited amount, if any, and we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents we used in our investigation.
We may disclose information to third parties about your account or the transactions you make:
You agree that we may obtain and review your credit report from a credit bureau or similar entity. You also agree that we may obtain information regarding your Payee Accounts in order to facilitate proper handling and crediting of your payments.
If you want to terminate your access to the Service call us at 877.846.7811. After receipt of your call, we will send a written termination authorization for your signature and return to us. In order to avoid imposition of the next monthly fee, we must receive your written authorization to terminate three(3) days before your service charge is scheduled to assess. Recurring transfers will not necessarily be discontinued because you terminate access to the services. If you want to make sure that recurring transfers between accounts are stopped, you must follow the procedures in the canceling payment paragraph above. We reserve the right to terminate the Services, in whole or in part, at any time with or without cause and without prior written 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 transfers 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 PIN or password as an indication of an attempted, security breach. Termination of the Services does not affect your obligations under this Agreement with respect to occurrences before termination.
Except as otherwise provided in this Agreement or by law, we are not responsible for any loss, injury, or damage, whether direct, indirect, special or consequential, caused by the Service or the use thereof or arising in any way out of the installation, operation, or maintenance of your PC equipment.
No waiver of the Agreement will be effective, unless in writing and signed by an authorized officer of the BANK.
You may not transfer or assign your rights or duties under this Agreement.
The laws of the state of Iowa shall govern this Agreement and all transactions hereunder. Customer acknowledges that he/she has reviewed this Customer Agreement, understands the terms and conditions set forth herein, and agrees to be bound hereby.
We can change a term or condition of this Agreement by mailing or delivering to you a written notice at least thirty (30) days before the effective date of any such change. We do not need to provide you with any prior notice where an immediate change in the terms or conditions of this Agreement is necessary to maintain or restore the security of our system or an account. However, even in these cases, if the change is to be made permanent, we will provide you with a notice of the change with the next regularly scheduled periodic statement we send you, or within thirty (30) days, unless disclosure would jeopardize the security of our system or an account. Notices mailed or delivered to you under this paragraph will be considered effective if mailed to the recent address we show for you in either our Checking or Savings Account records, email address in which you authorized to receive such notices and/or disclosures.
Customer, in consideration being allowed access to the Services, agrees to indemnify and hold the BANK harmless for any losses or damages to the BANK resulting from the use of the Services, to the extent allowed by applicable law.
By accessing the Services, you hereby acknowledge that you will be entering a protected web site owned by the BANK, which may be used only for authorized purposes. The BANK may monitor and audit usage of the System, and all persons are hereby notified that use of the Services constitutes consent to such monitoring and auditing. Unauthorized attempts to up-load information and/or change information on these web sites are strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of 1986.
Once you enroll in e-Statements you will no longer receive your paper statements. You authorize us to electronically deliver your periodic bank statements and any other disclosures that we might send to you with your statements, such as Truth in Savings disclosures, Regulation E disclosures, Privacy Notices or other required disclosures relating to your account(s). You have a duty to promptly examine your e-Statements to determine whether any payment was not authorized. If you believe that an unauthorized transaction has been or may be conducted from your deposit account without your permission, please call 712-722-2791 or your local bank office or write us at PO Box 330, Sioux Center, IA 51250.
We will notify you by e-mail each time your statement is available through Internet Banking. A second e-mail will be sent if you do not access your e-Statements within 7 days of the first e-mail. You will access your e-Statements by following these steps:
If you are unable to retrieve your e-Statements through Internet Banking or if you want to request a paper copy of your e-Statements, please contact your local bank office. If you request a paper copy of your bank statement, research fees will apply.
You agree to provide and update your e-mail address to First National Bank for communication purposes. We are entitled to rely on that address and assume that messages sent to that address are received and acknowledged by you. If your e-mail address changes, please notify us promptly either by updating your e-mail in Internet Banking or in person at any First National Bank office.
We may amend this agreement at any time; however any material changes will be provided to you at least 30 days before the effective date of the amendment, unless such change or amendment is otherwise required by law or regulation. Your continued use of the service is your agreement to the amendment(s).
You may return to receiving paper statements by contacting your local bank office. Locations and phone numbers are available on our website. If you no longer receive e-Statements, you may be subject to a monthly statement charge according to the fee schedule applicable to your account.
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