|
On-line Banking
By enrolling in Illinois National Bank's On-line Banking Service ("On-line Banking"), you agree to the addition of the following to the Account Agreement (Rules) for Personal Accounts or Rules for Business Accounts (in either case, the "Rules") governing your Accounts. Terms not otherwise defined have the meanings given to them in the Rules. On-line Banking allows you to transfer funds and review account activity using a personal computer ("PC"). Please read these additional rules carefully and retain them for your records. We have the right to amend the Rules at any time by notice mailed or emailed to you at the last address or email address shown for your Primary Checking Account, as defined below, on our records as provided in the Rules, or as otherwise permitted by law.
Definitions
An "Eligible Account" is an Illinois National Bank account linked to On-line Banking that does not have withdrawal restrictions, such as a certificate of deposit.
"Account(s)" means the checking, deposit, loan and other accounts you have at Illinois National Bank to which you have access through On-line Banking.
"Business Days" are Monday through Friday, except bank holidays.
"You" and "your" refers to the person(s) or entity subscribing to or authorized to use On-line Banking; "we", "us" and "our" refers to Illinois National Bank.
”On-line Banking” is an electronic banking service available to you through a PC. You may use On-line Banking to check the balance in and recent activity of each of your Accounts and to transfer funds between your Eligible Accounts (Transfers). Other on-line services are available. Please refer to the menu of services available during your on-line banking session.
The Accounts to which you may have access through On-line Banking include your checking accounts, savings accounts, installment loan accounts, mortgage loan accounts, home equity accounts, cash reserve accounts, certificate of deposit accounts, and individual retirement accounts. Accounts you open after enrollment in On-line Banking will not be included in On-line Banking unless you instruct us in writing otherwise.
Access Methods
Browser’s such as Netscape Navigator versions 4.7, 4.75, America On-line 5.0, 6.0, 7.0, or 8.0 or Microsoft Internet Explorer versions 5.0, 5.5 SP1, SP2, and 6.0 are required in order to accommodate security requirements. In addition, Java Script and cookies must be enabled on the browser you are using.
Adding, Changing and Removing Accounts
If at any time you wish to add an Account or remove an Account, you must provide us at least ten (10) Business Days advance notice. Call Illinois National Bank On-line Banking Support toll free at 1-877-771-2316 or locally 1-217-747-5889 or notify us through email at INBOnlineBanking@illinoisnationalbank.com. (To protect your privacy over the Internet, we recommend that you do not send sensitive information like your account number, social security number, or PIN by email.) Any signer of the account may authorize an account to be linked. These accounts are any eligible accounts that you have agreed you want access to via On-line Banking.
Your User-in ID and Password
Your User-ID will be your social security number and you will select a Password to access On-line Banking when you register On-line.
You will be required to change your User-ID after initial log in to a new User-ID. You can change your User-ID and/or Password at any time.
You authorize us to follow any instructions entered through On-line Banking using your User-ID and Password.
Your access to On-line Banking will be blocked in the event your Password is entered incorrectly on five (5) consecutive access attempts. If this occurs, please call Illinois National Bank On-line Banking Support toll-free at 1-877-771-2316 or locally 1-217-747-5889.
Because User-IDs and Passwords can be used to access money in any of your linked Accounts and to access information about any of your linked Accounts, you should treat your User-ID and Password with the same degree of care and secrecy that you use to protect other sensitive financial data, but not less than reasonable care. You agree not to give your User-ID or Password, or make them available, to any other person.
Transfers
Transfers may be made between Eligible Accounts. To schedule a transfer of funds between Eligible Accounts, you must provide the Eligible Accounts from and to which the transfer is to be made and the amount to be transferred.
The limit on your amount to transfer is the available balance in your account, plus your cash reserve and Occasional Overdraft Protection available balances if applicable to your account. Each transfer to/from your account is limited to a maximum amount of $10,000.00. You authorize us to charge your account for any transactions accomplished through the use of On-line Banking, including the amount of any recurring payment that you make, and charge for this service. You authorize us to transfer funds electronically between your designated account(s) according to your instructions initiated through On-line Banking. Please refer to your deposit account agreements for account activity limitations and fees.
You will receive a confirmation screen with reference information after every transfer you make. Your monthly statement will reference all such Electronic Fund Transfers. On-line Banking transfers are coded as transfer to/from account number. Any documentation provided to you which indicates that an Electronic Funds Transfer has been made shall be admissible as evidence and proof that such a transfer was made.
Scheduling, Changing or Canceling Transfers; Failed Transfers
(a) Same-Day Transfers
A one-time (non-recurring) same-day transfer of available funds (an account transfer) made before 5 p.m. CST on a business day will be effective the same day.
Same–day Transfers between from and to deposit Accounts (e.g., checking and savings) are effective immediately.
Same–day Transfers to Illinois National Bank Installment Loan, Mortgage Loan, and Cash Reserve Accounts may be made from checking or savings accounts. Any such Same–day Transfer submitted prior to 5 p.m. CST on a Business Day will be posted to the receiving Account effective the same Business Day. Same–day Transfers submitted after 5 p.m. on a Business Day or at any time during a weekend or holiday will be posted to the receiving Account on the next Business Day.
Same–day Transfers are processed immediately and cannot be canceled after the instruction is sent to us.
(b) Scheduled Transfers
A one-time (non-recurring) transfer scheduled for a future date (a "Scheduled Transfer") will be processed on the scheduled transfer date, if that day is a Business Day. A Future Transfer scheduled for a non-Business Day will be processed on the next Business Day.
Scheduled transfers are processed by 8:00 a.m. CST on the processing date. You may change or cancel a Scheduled Transfer up to the business day prior to the transfer scheduled date.
Scheduled Transfers to Illinois National Bank Installment Loan, Mortgage Loan, and Cash Reserve Accounts may be made from checking or savings accounts. Any such Scheduled Transfer will be posted to the receiving Account effective on the scheduled process date.
You may schedule transfers that do not vary in amount to automatically occur on a regular schedule of your choice ("Scheduled Recurring Transfers").
Scheduled Recurring Transfers will be initiated on each scheduled transfer date, if that day is a Business Day. If a Scheduled Recurring Transfer date is a non-Business Day, your Scheduled Recurring Transfer will be processed on the next Business Day.
If a Scheduled Recurring Transfer is scheduled to occur on the 29th, 30th, or 31st of each month and that date does not exist in a particular month, then the Recurring Transfer will be processed on the last Business Day in that month.
Except as provided above, a Scheduled Recurring Transfer may be changed or canceled up to 5:00 p.m. CST on the day prior to the scheduled Recurring Transfer date.
Scheduled Recurring Transfers to Illinois National Bank Installment Loan, Mortgage Loan, and Cash Reserve Accounts may be made from checking and savings accounts. Any such Scheduled Recurring Transfer will be posted to the receiving Account effective on the processing date.
(d) Failed Transfers
If, on the processing date, you don’t have sufficient available funds in the Eligible Account from which the funds are to be transferred, we will not make the transfer on that date. If the transfer is a Scheduled Recurring Transfer, the remaining transfers will not be affected. If you entered your email address during the transfer set up a failed transfer notification will be sent to you.
If you are locked out of On-line Banking as a result of multiple failed login attempts, your scheduled transfer will not be processed until your On-line Banking access has been restored and you have successfully logged in.
Reviewing Transfers
On-line Banking automatically includes records of past transfers as part of your account activity that can be displayed online. You can also download any available account history, including transfers, to your PC.
Balance Inquiries
You may use On-line Banking to check the balances and recent activity of your Accounts. Any balance shown by On-line Banking will include a date as of which the balance is current. The balance shown by On-line Banking may not be your actual available balance. It may include deposits still subject to verification by us. The balance shown may also differ from your records because it may not include pending items such as deposits in progress, outstanding checks or other withdrawals, payments, or charges, or items in process. Due to processing constraints, there may be some pending items that affect balance activity, which are not available to view in On-line Banking.
Stop Payments
Subject to certain limitations, you may order us to stop payment on any check or other item payable for your Account via On-line Banking, whether drawn by you or any other account holder. The stop payment request will be effective if we receive the order at such time and in such manner as to afford us a reasonable opportunity to act upon the order. The stop payment order is effective for six (6) months. A stop payment order may be renewed during a period within which the stop payment order is effective. We will require you to provide the date, the amount, and the number of the item, together with the name of the payee. If you give us incorrect information, we will not be liable for failing to stop payment on the item. Our acceptance of a stop payment order will not constitute a representation that the item has not already been paid or that we have a reasonable opportunity to act upon the order. You may not stop payment on an official, certified, cashier’s, or teller’s check issued by us, or request us to stop payment if we have otherwise become accountable for the item. In addition, you may not stop payment on checks governed by a separate agreement, such as a check guaranty agreement. Further, you may not stop payment on an item after acceptance of the item by us.
Statements
All of your transfers made through On-line Banking will appear on your monthly account statement(s). The transfer amount and processing date will be reflected for each transfer made through On-line Banking.
Fees
Access to On-line Banking is free with all Illinois National Bank accounts. All other fees applicable to your Accounts remain in effect. You may incur fees if you use or obtain some of the products or services available through On-line Banking. To learn more about such fees, please refer to the specific terms and conditions applicable to each product or service.
Equipment
We are not responsible for any loss, damage or injury resulting from (a) an interruption in your electrical power or telephone service; (b) disconnection of your telephone service by your local telephone company or from deficiencies in your line quality; (c) any defect or malfunction of your PC, modem or telephone service; or (d) Illinois National Bank On-line Banking systems. We are not responsible for any products or services relating to your PC, other than those specified herein. We also are not responsible for any damage to your PC, software, modem, telephone or other property resulting from the use of On-line Banking including any damage resulting from a virus.
Hours of Operation
On-line Banking is available seven (7) days a week, 24 hours a day, except during maintenance periods or periods during which On-line Banking otherwise is not operable.
Your Rights and Liabilities
To prevent unauthorized access to your accounts and to prevent unauthorized use of On-line Banking, you agree to protect and keep confidential your account number, PIN, User ID, Password, or other means of accessing your accounts to any person not authorized to access your accounts. The loss, theft, or unauthorized use of your account numbers, PINs, User IDs, and Passwords could cause you to lose some or all of the money in your accounts, plus any amount available under your overdraft protection credit line. If you believe someone may attempt to use or has used On-line Banking without your permission, or that any other unauthorized use of your account numbers, PINs, User IDs and Passwords or security breach has occurred, you agree to immediately notify us by calling 1-877-771-2316 or locally 1-217-747-5889 during normal customer service hours. Please refer to your Electronic Funds Transfer Agreement and Disclosure for further information.
If you haven’t already, install anti-spyware, anti-virus and a personal firewall on your computer. There are many of these products available that will help you prevent criminals from gaining access to your computer and stealing your personal information. A properly protected computer will provide you with secure access to your financial information and combat the efforts of criminals trying to gain access to your activities.
Authorization to Obtain and Disclose Information
In addition to the other provisions of the Rules, you agree that we may obtain information regarding your Accounts and disclose information about your Accounts to third parties in order to support On-line Banking, where it is necessary for completing transfers to or from your account, or resolving errors relating to your account or transfer you make.
Termination
You may terminate your use of On-line Banking by:
Calling Illinois National Bank On-line Banking Support toll-free at 1-877-771-2316; locally 1-217-747-5889;
Writing to us at 322 E Capitol, Springfield, IL 62701;
Sending email to us via the Internet at INBOnlinebanking@illinoisnationalbank.com (To protect your privacy over the Internet, we recommend that you do not send sensitive information like your account number, credit card number, social security number, or PIN by email.)
You must notify us at least ten (10) Business Days prior to the date on which you wish to have your enrollment in On-line Banking terminated. We may require that your request be in writing.
We may terminate at any time your access to On-line Banking, in whole or in part, for any reason without prior notice. If your On-line Banking Account is inactive for 6 months (ex: you have not logged into On-line Banking) your access to On-line Banking will be terminated without notice. Termination will not affect your liability or obligations for transfers we have processed on your behalf. Any pending transfers scheduled after your account has been terminated will not be executed.
Limitation of Liability
Except as otherwise provided herein or by law, we are not responsible for any loss, injury, or damage, whether direct, indirect, special, or consequential, caused by On-line Banking or your use of On-line Banking.
|
