Consumer Online Access Agreement For Community Bank of the South
This Internet Banking Access Agreement for accessing your personal accounts via Community Bank of the South's Online Banking explains the terms and conditions which govern online account activity.
By using the online financial services provided by Community Bank of the South, you agree to abide by the terms and conditions of this agreement. This agreement will be governed by all applicable federal laws and regulations. In the event that no federal law applies, the agreement will be governed by laws and regulations effective in the State of Georgia.
The term "business day" refers to every day except Saturday, Sunday and Federal Banking Holidays..
Accessing Your Accounts
In order to activate Online Banking, you must have at least one account with Community Bank of the South.
As a customer of Community Bank of the South, you may access your accounts by selecting and using an online password (PIN). You should keep your PIN in a secure location. Any person having access to your Community Bank of the South PIN will be able to access Online Banking and perform all transactions, including reviewing account information and making transfers to other accounts which are accessible with your PIN.
You will use the last four digits of your social security number (or the PIN number that you use to access TELEBANK, if it has been changed) that will allow you to log on to Community Bank of the South's Online Banking for the first time. The first time you log into Online Banking, you will be required to change the assigned password and choose a password known only to you containing a combination of Alpha and Numeric characters. The password must be at least eight (8) digits and no more than sixteen (16) digits. The user can change their password through the Online Banking at any time, passwords are required to be changed every 180 days.
If you suspect that an unauthorized person has access to your password, please use one of the following methods to contact us immediately:
- Monday through Friday, 8:30 a.m. to 5 p.m. at 678-781-9043 or
- e-mail us at firstname.lastname@example.org
There are no monthly fees for viewing these accounts.
Terms and Conditions
The first time that you access any of your accounts through Online Banking, you confirm your agreement to abide by all the terms and conditions of this Online Agreement, and acknowledge your receipt and understanding of this disclosure.
Community Bank of the South reserves the right to cancel your online service at any time without notice due to insufficient funds in one or more of your accounts. After cancellation, service may be reinstated at the discretion of the bank provided that funds are available to cover the cost of any fees and/or pending transfers. To reinstate your service contact us at 678-781-9043 or via e-mail at email@example.com
Balance Information-You may access any eligible Community Bank of the South bank account on which you are authorized to receive transaction history and balance information. The balance and account history will show the current balance of the account, including any transactions conducted prior to the inquiry. Returns in process due to non-sufficient funds or stop payments may not be reflected in the inquiry.
If you do not access your accounts via Online Banking for any three-month period, Community Bank of the South reserves the right to disconnect your service.
You agree to be responsible for any telephone and/or Internet Service Provider charges that you may incur by accessing your accounts via Online Banking at Community Bank of the South.
If you wish to cancel any of your Online Banking services, please contact Community Bank of the South at 678-781-9043, e-mail us at firstname.lastname@example.org or send us cancellation instructions in writing to Community Bank of the South, 3016 Atlanta Road, Smyrna, GA 30080 Attn: Deposit Operations.
Fees and Charges for Online Banking
There are no monthly fees for viewing accounts. For additional services offered online the following charges will apply:
- Stop Payments: $35.00 per stop payment.
- Bill Payment (subject to approval, see Online Bill Pay agreement for complete terms and conditions)
- Popmoney (See Online Bill Pay Agreement for Complete Terms and Conditions)
We reserve the right to change the fees, charges or other terms outlined in this agreement. We will notify you 30 days prior to implementation of changes, either by written notice or via e-mail. We also reserve the right to update this agreement at any time that we deem necessary. You may choose to accept or decline changes by continuing or discontinuing the service to which the changes relate. Changes to fees applicable to specific accounts are governed by the applicable account disclosure.
In Case of Errors or Questions About Your Electronic Transfers Telephone us 770-436-4567. Write us at 3016 Atlanta Road, Smyrna, GA 30080 or email us at email@example.com 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 the FIRST statement on which the problem or error appeared.
(1) Tell us your name and account number (if any).
(2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
(3) Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days 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 complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.
For errors involving new accounts, point-of-sale, or foreign- initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.
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.
Tell us AT ONCE if you believe your Access ID and Password has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission. 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 Access ID and/or password, you can lose no more than $50 if someone used your card and/or code without your permission.
If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or 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, including those made by card, code or other means, tell us at once. If you do not tell us within 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 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 event of unauthorized transfer. If you believe your Access ID and Password has been lost or stolen, call: 770-436-4567 or write: Community Bank of the South, 3016 Atlanta Road, Smyrna, GA 30080.
- Check account balances
- Transfer funds between Community Bank of the South accounts, on a one-time or recurring basis
- Pay bills directly from your accounts(s) on a one-time, fixed or variable recurring basis, in accordance with the terms of this Agreement to merchants and individuals in the U.S.;
- Review transaction history
- Receive images of checks
- Print statements
- Place stop payments
- Person to Person transactions (popmoney). Send, receive and/or request money with other people within the U.S. using online banking or your mobile device.
We will disclosure information to third parties about your account or the transfers you make:
Where it is necessary for completing transfers
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 the government agency or court orders
If you give us permission
As explained in the Privacy Disclosure
Transfers or withdrawals from a savings/money market account to another account of yours or to a third party by means of preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party, are limited to 6 per statement cycle.
Hours of Accessibility
You may access Online Banking at Community Bank of the South seven days a week, 24 hours a day. Necessary system maintenance will be scheduled for hours in which system traffic is normally at a minimum. If the system is unavailable due to an unanticipated problem, you may use the automated telephone voice response system (TELEBANK), one of our ATM machines or a branch office to conduct your transactions.
Customer Rights and Responsibilities
In addition to this agreement you agree to be bound by and comply with the account agreement and account disclosure, the rules and regulations of the electronic transfer system, and the state and federal laws and regulations including the Regulation E disclosure that you received when you opened your account. You, the customer, are responsible for keeping your PIN and account data confidential. We are entitled to act on transaction instructions received using your PIN, and you agree that the use of your PIN will have the same effect as your signature, authorizing the transactions. If you authorize other persons to use your PIN in any manner, your authorization will be considered unlimited in amount and manner until you have notified us in writing that you have revoked the authorization, or changed your PIN. You, the customer, agree that you are responsible for any transactions made by such persons until such time that we receive and have time to act upon the notification that transfers by that person, or instructions regarding your accounts, are no longer authorized.
You must notify us immediately if you suspect that another person has improperly obtained use of your online password. You must also notify us if someone has transferred or may transfer money from your bank account without your permission, or if you suspect any fraudulent activity related to your account. You should reveal your account number only to legitimate entities for purposes you authorize, such as automatic payments to your insurance company. To notify us call 678-781-9043, e-mail at firstname.lastname@example.org or call your local branch.
Stop pays will be processed the same day as long as they are received before 4:00 p.m. EST. There is a $35.00 fee that will be automatically assessed to your account. We WILL NOT be liable:
- If you, or anyone you allow, supply any incorrect or incomplete information that affects said transaction. The bank uses a computer system to check for stop payments. If you do not give the bank the exact amount of the check and the exact check number, the bank will not identify the proper check and the check will not be stopped.
- If circumstances beyond our control (such as fire, flood, or improper transmission) keep us from receiving the stop payment order, despite reasonable precautions taken by us.
- If any electronic terminal, telecommunications device, or any part of the electronic system is not working properly.
- Stop payments on ACH/EFT items cannot be placed online. Please contact your local branch office.
Stop Payment Agreement-You agree that unless your stop payment order is received by the bank within a reasonable time for the bank to act on your order prior to final payment of the check, the bank will not be responsible for stopping payment. You agree that you may not stop payment on any type of ACH/EFT transfers including Point of Sales and Pre-authorized ACH transactions, any Cashiers Check, certified check or other financial institution check you have purchased from the bank, or any check of which the bank has guaranteed. You understand that your stop payment request is conditional and subject to the bank's verification that the check has not already been paid or that some other action to pay the check has not been taken by the bank.
Duration-A stop payment order against a check is effective only against the check that is described in the online stop payment order. A written stop payment order is effective for six (6) months only and will expire automatically at that time unless you have specifically renewed it prior to expiration.
Fees-You agree to pay a service charge for this stop payment order in the amount shown in the banks current disclosure of fees and charges. Unless otherwise agreed, the bank is authorized to charge this service charge to the account.
Indemnification-You agree to indemnify, defend and hold the bank harmless against all costs, including attorneys fees, actions, damages or claims related to or arising from the bank's action in refusing payment of the check, including claims of any joint depositor, payee or endorsee or in failing to stop payment of a check, as a result of incorrect information provided by you. You agree to notify the bank promptly upon the issuance of any duplicate check, which replaces the check subject to this order or upon return of the original check.
Limitations on Bank Liability
The bank will not be responsible for the following incidents, errors or failures:
Access-The bank will not be responsible for failure to provide access to Online Banking at Community Bank of the South due to a system failure or due to other unforeseen acts or circumstances.
Your Computer Equipment or Software- We will not be responsible for any error or failures from a malfunction of your computer or any computer virus or other problems related to your computer equipment used with Online Banking. The bank is not responsible for any error, damages or other losses you may suffer due to the malfunction or misapplication of any system you use, including your browser (Microsoft Explorer, Netscape Navigator, or otherwise), your Internet service provider (ISP), your personal financial management or other software, (such as Quicken, or Microsoft Money), or any equipment you may use (including your telecommunications facilities, computer hardware and modem) to access or communicate with Community Bank of the South.
Electronic Mail (e-mail)
You may use e-mail to contact us about inquiries, maintenance, and/or some problem resolution issues, in which case we will respond by e-mail. E-mail may not be a secure method of communication. We therefore recommend that you DO NOT send confidential, personal or financial information by e-mail. There may be times when you need to speak with someone immediately, in these cases, call your local branch.
Ownership of Website
Community Bank of the South prohibits the unauthorized use, reproduction, linking, or distribution of any portions of information contained on our website.