First
National Bank & Trust Company
of Weatherford
FirstNET
Online Banking Agreement
Please take a few
moments to read our Online Banking Agreement.
1. If you agree to the terms, please click the "Agree" button at the bottom of the page.
2. Complete the enrollment form, print, sign and bring the form into any of our New Accounts Representatives.
3. You will receive your Login ID and Password when you visit us.
Browser Security Requirements: FirstNET uses 128-bit strong encryption to ensure your account information remains safe and confidential while traveling over the Internet. You will need a 128-bit strong encryption web browser to access FirstNET. To learn your browser's current encryption level, please do the following:
Microsoft Internet Explorer users: In Internet Explorer, click the "Help" menu and select "About Internet Explorer." Look at the "Cipher Strength." If the Cipher Strength is anything lower than 128-bit, you'll need to upgrade your browser before using FirstNET. Windows 2000 users will need to also update their operating system encryption.
Netscape users: In Navigator or Communicator, click on the Help menu and select "About Navigator" (or Communicator). Look for the boldface section on the left side of the screen. If it says, "This version supports U.S. security," you have 128-bit security. If it says, "International security," you do not have 128-bit security and will need to upgrade your browser before using FirstNET. Windows 2000 users will need to also update their operating system encryption.
If you need to upgrade your browser, we recommend the 128-bit strong encryption version of Microsoft Internet Explorer 7 You may download it by clicking on the icon below.
The Service
First National Bank & Trust Company, Weatherford, Oklahoma ("BANK"), agrees to provide internet banking services (“FirstNET”) 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 FirstNET. You may use a Personal Computer ("PC"), an Internet connection, an access ID and password to obtain account balances and transaction information. You may also use your PC to obtain statements on your accounts, transfer money between your accounts and pay bills directly from your checking account in the amounts and on the day you request. Bill Payment services are only available for personal customers. However, transfers from your Money Market account to another account or to third parties by pre-authorized, automatic, telephone, or through electronic bill payment are limited to six per statement cycle with no more than three by check, draft, or similar order to third parties. Transfers from a savings account to another account or to third parties by pre-authorized, automatic, telephone, or through electronic bill payment are limited to six per month with no transfers by check, debit card, or similar order to third parties. Bill payment requests must be submitted at least ten (10) business days before the date to be paid.
BY
CLICKING ON THE "ACCEPT" BUTTON, YOU THEREBY INDICATE YOUR CONSENT TO
THESE TERMS AND ACKNOWLEDGE YOUR RECEIPT AND UNDERSTANDING OF THIS DISCLOSURE.
PLEASE READ THIS AGREEMENT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.
Your Access ID and PIN
Each
individual who has access to FirstNET, including each individual named on joint
accounts, must designate an access ID and password. Your access ID must be a
minimum of 6 characters and a maximum of 14 characters.
Your password must be a minimum of 6 characters, up to a maximum of 14
characters, which must consist of at least four alpha characters and two numeric characters. When
you log-in to the system as a First Time Customer, you must use your First Info
Line assigned password. You will be
prompted to change your password; however, this will not change your First Info
Line password. Call us at
580-772-5574 if you do not know your First Info Line password. You
should change your password periodically to enhance security.
You can also change your First Info Line password through the First Info
Line system if you want your passwords to be the same.
We reserve the right to require periodic password changes and establish
limits on re-use of passwords.
To guard
against unauthorized use of your access ID and password, FirstNET disables the
password on the third incorrect attempt to log-in.
The disabling of the password keeps an unauthorized agent from attempting
to guess a password. This will
occur if you accidentally activate this security feature by unintentionally
miss-keying a password three times. You
will need to call the bank to reestablish the password for your account(s).
A common mistake made by users is having the caps-lock on while keying in
an access ID or password. Since the
access ID and password are case sensitive and you cannot actually see the
password characters you are typing, it is easy to think you are typing the
password correctly.
Delivery of Your Transfers
You may
schedule transfers 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
agreements between you and the BANK. Although you can enter transfer information
through FirstNET twenty-four (24) hours a day, seven (7) days a week, transfers
can be initiated only on business days. Funds will be deducted from your account
on the business day on which a transfer is to be "initiated." This
date is referred to in this Agreement as the "Transaction Date." If
you direct the initiation of a transfer to occur on a day other than a business
day, it will be initiated on the following business day. Transfers must be
scheduled by the normal cut-off time of 6:00 p.m. (CST) on any business day in
order for the transaction to be completed on that business day.
Recurring Transfers
Recurring
transfers are those made for the same amount and are made on a weekly,
bi-monthly, monthly basis, etc. Once started, recurring transfers will be made
automatically until you tell us to stop or cancel the transfers and we have a
reasonable opportunity to act on your request.
Stop Payments
If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how:
Call or
write us at the telephone number or address listed in this Agreement in time for
us to receive your request 3 business days or more before the payment is
scheduled to be made. If you call, we may also require you to put your request
in writing and get it to us within 14 days after your call.
Our Liability of Failure to Complete Transactions
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 will be liable for your losses or damages if it is our responsibility. However, there are some exceptions. We will not be liable, for instance:
All payments, transfers, and or/fees made with FirstNET will appear on your monthly Account statement. The Payee name, payment amount, and the date of the transfer will be shown for each transfer made through FirstNET during that month.
If you have arranged to have direct deposits made into your account at least once every 60 days from the same person or company, you can call our First Info Line service or use FirstNET to find out whether or not the deposit has been made.
First
Info Line number: 580-772-6789
Fees
and Charges
You agree to pay Bank for FirstNET in accordance
with Bank's fee schedule, which are:
| FirstNET Account Access | $
.00 |
| FirstNET Bill Payment Access | $
.00 |
| FirstNET Bill Payment Photocopy | $ 5.00 |
| FirstNET Bill Payment Stop Payment | $15.00 |
| FirstNET Bill Payment Re-Issued Check | $10.00 |
Bank may modify its fee schedule at any time upon 30 days prior written notice to you. You are also responsible for any telephone tolls and charges (including long distance charges, if any), which you incur by accessing your accounts utilizing FirstNET and other related fees.
Equipment
You are
solely responsible for the equipment (including, in the case of FirstNET, your
personal computer and software) you use to access FirstNET. We are not
responsible for errors or delays or your inability to access FirstNET caused by
your equipment. We are not responsible for the cost of upgrading equipment to
stay current with FirstNET nor are we responsible, under any circumstances, for
any damage to your equipment or the data resident thereon.
Business Days/Hours of Accessibility
Unless otherwise defined by this Agreement or in an Exhibit, a Business Day is any day that Bank is operating and open for business. Saturdays, Sundays and selected Federal holidays will not be considered Business Days. You should contact Bank to inquire if a given Federal holiday is determined by Bank to be a Business Day. All transactions, deposits, instructions and entries received by Bank on a day that is not a Business Day will be treated as if received on the next Business Day. Contact us for information regarding Bank's normal business hours or visit our web site for hours of operation.
You can usually access your Accounts through FirstNET seven (7) days a week, 24 hours a day. However, at certain times, some or all of FirstNET may not be available due to system maintenance or reasons beyond Bank's control. Bank specifically does not warrant that FirstNET will be available at all times. During those times when FirstNET is not available, you may use touch-tone telephone service, any TransFund or participating ATM network, or a Bank branch to conduct your transactions (assuming you have applied for and been accepted to utilize such telephone and ATM services). A transfer, other than a wire transfer, initiated through FirstNET before 5 p.m. (Central Time) on a Business Day will be posted to your account the same day. All transfers completed on a Saturday, Sunday or banking holiday or after 5 p.m. (Central Time) on a Business Day will be posted on the next Business Day.
Notice of Your Rights and Liabilities
Security of your transactions is important to us. Use of FirstNET therefore requires a access ID and password. If you lose or forget your access ID or password, please call Customer Service during the normal business hours listed below.
Customer Service Number: 580-772-5574
We may accept as authentic any instructions given to us through the use of your access ID or password. You agree to keep your access ID and password secret and to notify us immediately if your access ID or password is lost or stolen or if you believe someone else has discovered your access ID or password. You agree that if you give your 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 FirstNET. Do not discuss, compare, or share information about your account number(s), Access ID, or Password, with anyone unless you are willing to give him or her full use of your money. If you furnish your password and grant actual authority to make transfers to another person (a family member or coworker, for example) who then exceeds that authority, you are liable for the transfers unless we have been notified that transfers by that person are no longer authorized and we have sufficient time to act on your instructions. FirstNET enables 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 but are not obligated to (1) monitor and/or record all communications and activity related to FirstNET; 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 access ID or password was used in connection with a particular transaction. If any unauthorized use of your access ID 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. WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN ACCESS IDs OR PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL.
Tell us AT ONCE if you believe your access ID or password has been lost, stolen, or compromised in any way. 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, you can lose no more than $50. If you do NOT tell us within 2 business days after you learn of the loss or theft of your access ID or password, and we can prove that we could have stopped someone from using your access ID 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 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 hospital stay) kept you from telling us, we will extend the time periods for a reasonable period of time. If you believe your access ID or password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed below.
Errors and Questions
In
Case of Errors or Questions About your Electronic Transfers or Bill Payments,
Call or Write us at the telephone 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 or bill payment listed
on the statement or receipt. We must hear form you no later than 60 days after
we sent the FIRST statement on which the problem or error appeared.
Tell us your name and account number. Describe
the error, transfer or bill payment you are unsure about, and explain as clearly
as you can why you believe it is an error or why you need more information.
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 (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 or bill payment 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 complaint or question 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 the 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
NATIONAL BANK & TRUST COMPANY
RESEARCH DEPARTMENT
1100 E. MAIN STREET.
WEATHERFORD,
OK 73096
Business
Days: Monday through Friday, 9:00 a.m. to 5:00 p.m.
Excluding Federal Holidays
Phone: (580)
772-5574
Disclosure Information to Third Parties of Account
We will disclose information to third parties about your account or the transactions you make:
Authorization to Obtain Information
You agree
that we may verify credit and employment history by any necessary means,
including preparation of a credit report by a credit reporting agency.
Termination
If you
want to terminate your access to FirstNET, please call Customer Service. After
receipt of your call, we will send a written termination authorization for your
signature and return to us. We reserve the right to terminate FirstNET, 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 FirstNET in situations deemed appropriate by us, in our sole and
absolute discretion, including when we believe a breach of the system security
has occurred or is being attempted. We may consider repeated incorrect attempts
to enter your access ID or password as an indication of an attempted security
breach. Termination of FirstNET does not affect your obligations under this
Agreement with respect to occurrences before termination or cooperation after
termination.
Limitation of Liability
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 FirstNET or the use thereof or arising in any way out of the
installation, operation, or maintenance of your PC equipment.
Assignment
You may
not transfer or assign your rights or duties under this Agreement.
Governing Law
The laws
of the state of Oklahoma shall govern this Agreement and all transactions
hereunder, without giving effect to any conflict of laws rule or principle that
might result in the application of the laws of another jurisdiction. Customer
acknowledges that he/she has reviewed this Customer Agreement, understands the
terms and conditions set forth herein, and agrees to be bound hereby.
Amendments
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 and
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 that 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 most recent address we show for
you in either or Checking or Savings Accounts records, or e-mail address in
which you authorized the BANK to send such notices and/or disclosures.
Indemnification
Customer,
in consideration of being allowed access to FirstNET, agrees to indemnify and
hold the BANK harmless for any losses or damages to the BANK resulting from the
use of FirstNET, to the extent allowed by applicable law.
Security Procedures
By
accessing FirstNET, you hereby acknowledge that you will be entering a protected
web site owned by the BANK, which may be used only for authorized purposes. Any
unauthorized use may be a violation of state and or federal law and will be
prosecuted to the fullest extent allowed by law. The BANK may monitor and
audit usage of the System, and all persons are hereby notified that use of
FirstNET constitutes and are subject to prosecution under the Computer Fraud and
Abuse Act of 1986.