Internet
Security Information
First
National Bank in Green Forest’s Internet Banking system is provided
Fiserv/eSolutions that utilizes a comprehensive security strategy to
protect your accounts and transactions conducted over the Internet. In
addition to our log-on security, we use the SSL (secure socket layer)
encryption technology for everything you do in the Internet Banking
system. This technology is automatically activated by your browser when
it attempts to connect to our system and it supports 128 bit key
lengths. Whenever SSL is securing your communications, the browser will
typically indicate the "secure session" by changing the appearance of a
small icon of a padlock at the bottom of the screen from open to
locked. What this means to you is that your communications are
scrambled from your browser to our servers at all times so no
unauthorized party can read the information as it is carried over the
Internet.
During your use of
the Internet Banking system, we will pass a "cookie" to your browser for
identifying you during the session. We do not (and can not) use our
cookies to obtain new information about you. A "cookie" is security data
that is given to a browser by a web server that is returned by the
browser on subsequent transmissions to identify the user and encryption
information. When you log onto the system, this cookie enables us to
process multiple transactions during the session without you having to
provide your Access ID and Passcode for each individual transaction.
When you log off, or after ten minutes, the cookie is no longer accepted
and must be renewed by requiring the Passcode to be reentered. A new
cookie is used for each session. That way, no one can use the cookie to
access your account.
In addition to the
security measures described above, we have determined to use Multi Factor Authentication (MFA) as of 12/6/06 to enhance security for our users. MFA is an additional layer of security in our log in process. This helps ensure that your information is secure, protecting you from fraud and identity theft. The system verifies your identity in multiple ways. Every time you log into Internet banking the bank identifies you, and
it lets you identify the bank using a private image and phrase. There may be other security
notices posted on the website regarding security issues. It is your
responsibility to read all applicable notices. One of the main security
features guarding the use of the Internet Banking system is the unique
combination of your Access Code and Passcode. It is important that you
keep your Passcode secret. We will not be liable for any losses
resulting from your permitting other persons to use your Access Code and
Passcode to access the system.
If you have more
questions about our security systems for conducting transactions safely
over the Internet, contact our Internet Banking department.
Registration
Process
The
Internet Banking service requires that the customer complete the initial
registration process. This involves completing a secure online
application that will identify your First National Bank in Green Forest
location and all the information that we will need to enable the
service. The Internet Banking department will verify the information you
submitted for accuracy and authorizations. In about one week, you will
be notified when your account will be activated.
Log-On Security
Security is
very important to the Internet Banking system. At the time you request
the service, you will select a unique "Access ID" and then choose a
"passcode" that will be used to gain access to the system. Prior to
activation, the Internet Banking department will verify your identity
and authorization to information associated with the accounts that you
requested tied to the service. The passcode you create must be at least
7 characters in length and no more than 17. It must include alpha
numeric characters and at least one special character (!,#,&,[ etc.). We
strongly recommend that you do not use words and that you use upper and
lower case for the alpha characters.
To help prevent
unauthorized access and ensure the security of your accounts, we will
end your online session if we have detected no activity for 15 minutes.
This is to protect you in case you accidentally leave your computer
unattended after you logged on. When you return to your computer, you
will be prompted to re-enter your passcode and your session will
continue where you left off.
Because your
passcode is used to access your accounts, you should treat it as you
would any other sensitive personal data. You should carefully select a
passcode that is hard to guess. Keep your passcode safe. Memorize your
passcode and never tell it to anyone. You may consider changing your
passcode occasionally, such as every 90 days. This can be done at any
time after you logged on from the "options" menu.
Accounts
You may
request to access any account that you are a signer or owner. If you
desire services that allow you to initiate payments or transfers from
the account, you will need the required withdrawal authority over the
account to be able to complete the transaction. By using the service,
you agree to maintain one or more accounts with us and to keep
sufficient balances in any account to cover any transaction and fees
that are ultimately approved by or related to the system. If the
accounts added to the service are jointly held or have multiple signers,
you agree that access to the information and all transactions initiated
by the use of your Access Code and Passcode are authorized unless we
have been notified to cancel the service.
Fees for the
Internet Banking Service
The
Internet Banking service is available to our existing personal account
customers is "FREE".
Cancellation of
Internet Banking
Your
Internet Banking may be canceled at any time by First National Bank in
Green Forest in whole or part without prior notice due to insufficient
funds in one of your accounts or other circumstances that may create an
unanticipated liability to us. You will remain responsible for
all transactions approved by the system prior to the cancellation, and
for any other fees associated with the service. After cancellation,
service may be reinstated once sufficient funds are available in your
accounts to cover any fees and other pending transfers or debits. In
order to reinstate services, you must call Internet Banking Service
Support listed below in the
Errors and Questions section.
Balance
Inquiries and Transfers Limitations
You may use
Internet Banking to check the balance of your accounts and to transfer
funds among your accounts. According to Federal regulations, you may not
make more than six (6) pre-authorized or automatic transfers from your
Money Market Deposit Account or Savings Account during a given monthly
statement period. There are no limits to the number of transfers from
your Checking Accounts.
Balances shown in
your accounts may include deposits subject to verification by us. The
balance may also differ from your records due to deposits in progress,
outstanding checks or other withdrawals, payments or charges. A transfer
request may not result in immediate availability because of the time
required to process the request. If you have further questions, contact
your Internet Banking Coordinator.
The balances are
updated periodically and the system will display the most current "as
of" date on the "accounts" summary page. There may be situations that
cause a delay in an update of your balances. The system will use the
most current balance available at the time of a transaction to base our
approval.
Special
Information about the Stop Payment, Check Reorders, & Address Change
If urgent
action is required, we recommend that you contact First National Bank in
Green Forest directly by telephone or in person. Additional terms of
acceptance or disclosures may apply on the Stop Payment service and
these terms will be disclosed at the time you complete the request. The
Stop Payment feature is designed to submit a request to stop payment on
checks you have written or electronic drafts that are deducted from your
account. There may be additional fees associated with some of these
services. This service is not available to cancel the payments
scheduled through the bill payment service. If you have a problem or
need to cancel a bill payment, you will need to contact the Internet
Banking department or for the fastest service call our First Bill pay
phone number 1-888-246-2105 Monday to Friday from 6:30am till 10pm cst .
Bill Payment Service
It is easy
to pay bills online. Just click on the icon inside internet banking to
see the terms and agreement and to log on to the First billpay system.
Notice of Your
Rights and Liabilities
Notify us
immediately if your Access ID and Passcode have been compromised, lost,
stolen or used without your authorization.
Failure to notify us immediately could result in the loss of all money
accessible by the passcode. Telephoning us at the number listed below in
the
Errors and Questions section is the best way of limiting your
possible loss. You could lose all the money in your account
If we are notified
within two (2) business days after you discover that your Access ID and
Passcode has been compromised, lost or stolen, you can lose no more than
$50 if someone used it without your permission. If you do not notify us
within two (2) business days, and we can prove we could have prevented
someone from using the Access ID and Passcode without your permission,
you could lose as much as $500.
If your statement
shows unauthorized transfers, notify us within 60 days after the
statement is mailed to you or viewed on your computer. After 60 days, if
we can prove that we could have stopped someone from taking the money if
we had been told, you may not get back any money from us. If a good
reason, (such as a long trip or hospital stay) kept you from telling us,
we may extend the time periods to a reasonable time.
Errors and Questions
In cases of
errors or questions concerning transactions completed with Internet
Banking, do one of the following, as soon as possible:
1.
Telephone Customer Service at (870) 438-5214; or (800)
445-5745; or
2.
Write to
Customer Service at 100 First National Ave., Green Forest, AR, 72638; or
3.
Initiate a payment inquiry on your PC through e-mail to
info3@fnbgf.com.
We must hear from
you within 60 days after you receive the first statement or notification
in which the error or problem appeared. Please include the following
information:
1.
Name
2.
Account
Number and your Access ID
3.
Description of the error or what you are unsure about, plus an
explanation of why you believe it is an error or why you need more
information.
4.
Tell us
the amount of the error.
We will tell you
the results of our investigation within ten (10) business days after we
hear from you (20 business days if the transaction involved a new
account). If we need more time we may take up to 45 business days to
investigate (90 business days if the transaction involved a new
account). If we choose to take up to 45 business days, we will give you
a provisional credit to your account within ten (10) business days (20
business days if the transaction involved a new 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 this account is opened. If we decide there was no error,
we will furnish you with a written explanation within three (3) business
days after the investigation is complete.
Disclosure of
Account Information to Third Parties
Information
to third parties about your account(s) or the transaction(s) you make
will only be disclosed if at least one of the following applies:
1.
It is
necessary to complete a transaction.
2.
To
verify the existence and condition of your account to a third party such
as a credit bureau or merchant.
3.
To
comply with a governmental agency or court order.
4.
If
permission is given to us by you, which we may require to be in writing.
5.
To
collect information for internal use, the use of our service providers,
and our servicing agents and contractors concerning our electronic funds
transfer service.
6.
It
involves a claim by or against us concerning a deposit to or withdrawal
from your account.
7.
Where
otherwise required or permitted under state or federal laws and/or
regulations.
No Signature
Requirements
When any
payment or other on-line service generates items to be charged to your
account, you agree that we may debit the designated account, or the
account on which the item is drawn, without requiring your signature on
the item and without any notice to you.
Virus Protection
First
National Bank in Green Forest is not responsible for any electronic
virus or viruses that you may encounter. We encourage our customers to
routinely scan their PC and diskettes using a reliable virus product to
detect and remove any viruses. Undetected or unrepaired viruses may
corrupt and destroy your programs, files and even your hardware.
Additionally, you may unintentionally transmit the virus to other
computers.
Wide Text
Statements and other Special Printing Instructions
For certain
accounts, our statement format may be wider than your browser’s default
printer setting support and may not automatically print correctly or cut
off the right-hand side of the page. Our "help" section will explain how
to change the browser’s printer settings to show the entire statement.
Additionally, many of our pages actually contain several areas of
information. To print the section that you want, you may want to always
click once in the area with the left mouse button to let the browser
know which "frame" section you want to print.
Termination
You may
terminate the use of Internet Banking by contacting First National Bank
in Green Forest in writing by mail, e-mail, or personal delivery to
First National Bank in Green Forest. If your account is closed or
restricted for any reason, Internet Banking accessibility will
automatically terminate.
Governing Law
This
Agreement shall be governed by and construed in accordance with the laws
of the State of Arkansas.
Assignment
This
agreement may not be assigned to any other party by you. We may assign
or delegate, in part or whole, to any third party.
Ownership of
Material
First
National Bank in Green Forest’s internet banking is a product of ITI/Esolutions.
Unauthorized reproduction in whole or part is prohibited.
Amendments
Terms and
conditions of this agreement may be amended in whole or part at any time
within 30 days written notification prior to the change taking effect.
If you do not agree with the change(s), you must notify us in writing
prior to the effective date to cancel your access. Amendments or changes
to term(s) or condition(s) may be made without prior notice if it does
not result in higher fees, more restrictive service use, or increased
liability to you.
Entire Agreement
This
Agreement supplements any other agreements or disclosures related to
your account(s), including the Deposit Account Agreement and
Disclosures. If there is a conflict between this Agreement and any
others, or any statements made by employees or agents, this agreement
shall supersede.
