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NetTeller
Online Banking
NetTeller
Bill Pay
NetTeller
Online Banking
Section
1. Definitions
"Account(s)" means the deposit, loan and other accounts
you have at The Citizens Banking Company to which you have access
through NetTeller. "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 Online
Banking; "we," "us", "our" and "bank"
refers to The Citizens Banking Company
Section
2. NetTeller
NetTeller is an electronic banking service available to you through
a PC using an access method specified in Section 3. You may use NetTeller
to check the balance in and recent activity of each of your Accounts
and to transfer funds between your Eligible Accounts (see Section
6).
The Accounts to which you may have access through NetTeller are your
checking accounts, savings accounts, installment loan accounts, mortgage
loan accounts, home equity accounts, line of credit accounts, certificate
of deposit accounts, and individual retirement accounts. The number
of accounts that you may view if they are NetTeller enabled is unlimited.
Accounts you open after enrollment in NetTeller may be added at time
of opening or at a later time.
Section
3. Access Methods
Use Microsoft ® Internet Explorer 4.0 (or higher) or Netscape
Navigator 4.06 (or higher). The Internet web site for NetTeller is
located at "http://www.citizensbankco.com" or such other
Internet addresses as we may provide. You must be a subscriber of
an Internet Service Provider. Information is not stored on your PC
unless you specifically download it to your PC.
Section
4. Adding, Changing and Removing Accounts
If at any time you wish to add an Account, or remove an Account, you
may notify us at The Citizens Banking Company 1-888-645-4121 or e-mail
us at info@citizensbankco.com.
Section
5. Your Logon ID and PIN
You will need a NetTeller ID and a NetTeller Personal Identification
Number (PIN) to access NetTeller. You will receive your ID and a 4-digit
personal identification number ("PIN") in the mail. YOU
WILL BE REQUIRED TO CHANGE YOUR PIN AFTER INITIAL LOGON TO A NEW PIN
WITH 4 NUMBERS, You can change your ID and PIN on NetTeller at any
time. You authorize us to follow any instructions entered through
NetTeller using your Logon ID and PIN.
Your access to NetTeller will be blocked in the event your Logon ID
or PIN is entered incorrectly on three (3) consecutive access attempts.
If this occurs, please call The Citizens Banking Company toll-free
at 1-888-645-4121.
Because your NetTeller ID and PIN 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 NetTeller ID and PIN with same
degree of care and secrecy that you use to protect other sensitive
financial data. You agree not to give your NetTeller ID or PIN, or
make them available, to any other person.
Section
6. Transfers
Transfers may be made between Eligible Accounts. An "Eligible
Account" is an Account linked to NetTeller that does not have
withdrawal restrictions, such as a certificate of deposit. 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. Each transfer must be in an amount not
less than $.01 and not more than $99,999.99. Any attempted transfer
which exceeds the available balance in the Eligible Account from which
the funds are to be transferred will not be made.
After you send the transfer instructions, you will receive a confirmation
number ("Confirmation Number"). The Confirmation Number
will help us resolve any questions you may have concerning a transfer.
Section
7. Timing of Transfers
Transfers of available funds may be made any day at any time. Transfers
cannot be canceled after the instruction is sent to us as they are
processed immediately.
Section
8. Reviewing Transfers
NetTeller automatically includes records of past transfers as part
of your account activity that can be displayed online. You can also
download up to ninety (90) days of account history, including transfers,
to your PC.
Section
9. Balance Inquiries
You may use NetTeller to check the balances and recent activity of
your Accounts. Any balance shown by NetTeller will include a date
as of which the balance is current. The balance shown by NetTeller
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 deposits in progress,
outstanding checks, or other withdrawals, payments, or charges, or
items in process.
Section
10. Statements
All of your transfers made through NetTeller will appear on your monthly
Account statement(s). The transfer amount and date will be reflected
for each transfer made through NetTeller. You may view your last three
monthly statements on line. Check images are not available on-line.
Section
11. Electronic Mail Messages
NetTeller provides you with the ability to send electronic mail messages
within the service to communicate confidential information to us.
Please remember that electronic mail messages sent through NetTeller
may not be immediately received by us. If you need to contact us immediately,
please see Section 15.
Section
12. Fees
NetTeller is available at no charge. This may be amended from time
to time in accordance with the Rules. All other fees applicable to
your Accounts remain in effect.
Section
13. 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; or (c) any defect
or malfunction of your PC, modem or telephone service. 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 NetTeller including any damage resulting from a virus.
Section
14. Hours of Operation
NetTeller is available seven (7) days a week, 24 hours a day, except
during maintenance periods or periods during which NetTeller otherwise
is not operable.
Section
15. Your Rights and Liabilities
Your rights and liabilities regarding losses that occur because your
NetTeller ID or PIN is used without your permission, or with respect
to errors, are outlined in the Rules for Personal Accounts in the
section titled "Electronic Funds Transfers Disclosure Statement"
(Disclosures). In all other cases, or to expedite notice to us rather
than using the number and address specified in the Disclosures, and
to have your questions answered directly, contact us by one of the
following methods:
• Call The Citizens Banking Company toll fee at 1-888-645-4121;
• Write to us at 100 East Water Street, Sandusky, Ohio 44870;
• Send electronic mail messages to us from within NetTeller On-Line
Banking;
• Send e-mail to us via the Internet at info@citizensbankco.com.
Section
16. Termination
You may terminate your use of NetTeller at any time by:
• Calling Citizens Banking Company toll-free at 1-888-645-4121;
• Write to us at 100 East Water Street, Sandusky, Ohio 44870;
• Send electronic mail messages to us from within NetTeller On-Line
Banking;
• Send e-mail to us via the Internet at info@citizensbankco.com.
You must notify us at least ten (10) Business Days prior to the date
on which you wish to have your enrollment in NetTeller terminated.
We may require that your request be in writing.
We may terminate at any time your access to NetTeller, in whole or
in part, for any reason without prior notice. Your access to NetTeller
will be terminated automatically if all your accounts accessed through
NetTeller On-Line Banking are closed. Termination will not affect
your liability or obligations for transfers we have processed on your
behalf.
Section
17. 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 NetTeller or your use of NetTeller or
arising in any way out of the installation, use, or maintenance of
Quicken.
NetTeller
Bill Pay
Section
1. Definitions
"Account(s)" means the deposit, loan and other accounts
you have at The Citizens Banking Company to which you have access
through NetTeller. "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 Online
Banking; "we," "us", "our" and "bank"
refers to The Citizens Banking Company
Section
2. Logging on to Bill Pay
To access the Bill Pay feature, you will need a Bill Pay Customer
ID Number and a Personal Security Code in addition to your Net Teller
ID and PIN. These will be sent to you after we receive your application
for Bill Pay access.
Section
3. Setting Up Payments
You may make payments through Bill Pay to us and to any other business,
merchant, or professional that generates a bill or invoice for products
or services provided to you or on your behalf and that has a U.S address
and phone number ("Business Payee"). You also may make payments
through Bill Pay to individuals, family, or friends for non-business
purposes. Payments may be made only to payees with a U.S. payment
address. You may not make a payment of alimony, settlement of brokerage
accounts, child support, taxes, or any other governmental fees or
court-directed payments through Bill Pay.
You must provide sufficient information about each payee ("Payee
Information"), and such other information as we may request from
time to time, to properly direct a payment to that payee and to permit
a Business Payee to identify the correct account ("Payee Account")
to credit with your payment. This information may include, among other
things, the name and address of the payee and your Business Payee
account number. Your Payee Information and any additions, deletions,
and changes to Payee Information are entered directly on your PC.
Your Payee Information can be retrieved at your convenience. Because
there is always a possibility that the Payee Information may be lost
or accidentally destroyed, you should keep a copy of your Payee Information
somewhere other than your PC, so that you may readily retrieve it.
You may have up to 99 payees. From time to time, we may change the
number of payees you may designate to receive payments through Bill
Pay.
After online bill payment, you will receive a confirmation number
("Confirmation Number"). The Confirmation Number will help
us resolve any questions you may have concerning payment.
Section
4. Scheduling Payments
All payments are made from your designated checking account. To schedule
a payment, you must provide the name of your payee, the amount of
your payment, and the date or dates on which you want your payment
to be scheduled. Each payment must be in an amount not less than $.01
and not more than $9,999.00. Any attempted payment that exceeds the
available balance in your checking account may be rejected.
You may not schedule duplicate payments. A duplicate payment is one
that is scheduled to be made to the same payee on the same Business
Day for the same amount.
At the end of each Bill Pay request, you will see a confirmation number
("Confirmation Number"). The Confirmation Number will help
us resolve any questions you may have concerning a payment. (If you
would like a written confirmation of the payment information for any
Recurring Payment you have scheduled, please call Bill Pay Support
at 1-877-203-6713.)
Section
5. Scheduling and Payment Processing
Although you can enter payment instructions through Bill Pay (seven
(7) days a week, 24 hours a day), excluding maintenance and other
availability windows, payments will be "processed" only
on Business Days. Funds will be withdrawn from your account on or
within two days after the scheduled payment date.
We may remit your payments by mailing your payee a check, by an electronic
payment method, or by other means. Because of the time it takes to
transmit your payment to your payees, they will not receive payment
on the day your transaction is initiated. Therefore, in order to provide
sufficient time for payments to be received by your payees, the date
on which payment is scheduled must be at least five (5) Business Days
prior to the date your payment is due for payments made by check,
and at least three (3) Business Days for electronic payments. You
should allow additional time for the first payment you send to a payee
through Bill Pay to allow the payee to adjust to the new form of payment.
IF
YOU DO NOT PROVIDE FOR A PAYMENT TO BE INITIATED AS INDICATED IN THIS
SECTION, THE PAYMENT WILL NOT BE ELIGIBLE FOR THE PAYMENT GUARANTEE
PROVIDED FOR IN SECTION 8.
Section 6. Timing of Payments
(a) Future Payments
If you schedule a future payment for a Non-Business Day, your payment
will be initiated on the next Business Day.
You may cancel or change a future payment on Sunday through Friday
up to 11:00 p.m. (Eastern Time) the day before the scheduled payment
date.
(b) Recurring Payments
You may schedule payments that do not vary in amount to initiate automatically
on a regular schedule of your choice.
If you choose a day near the end of the month for a recurring payment
that does not exist in a particular month, then the payment will be
initiated on the last Business Day in that month.
If the scheduled recurring payment falls on a day, which is not a
Business Day in a particular month, the payment may be initiated on
the prior Business Day.
You may change the amount of the recurring payment or cancel the recurring
payment altogether.
Section
7. Canceling or Changing Payments
You may use Bill Pay to change both the amount and the scheduled payment
date of any scheduled payment. A scheduled payment may be canceled,
changed, or rescheduled in this manner any time prior to 11:00 p.m.
(Eastern Time) on the day prior to the scheduled payment date.
Section
8. Reviewing Payments
Bill Pay automatically includes records of past transfers as part
of your account activity that can be displayed online. You can also
download up to ninety (90) days of account history, including transfers,
to your PC.
Section
9. Payment Guarantee
We will process and complete all payments properly initiated through
Bill Pay in accordance with the Rules. We will reimburse you for any
late payment fees or penalties you are charged, up to a maximum of
$50.00 per scheduled payment, if a Business Payee does not receive
a payment, other than a mortgage payment, made through Bill Pay by
the Due Date, provided that the date on which payment is initiated
is at least five (5) Business Days (or at least ten (10) Business
Days for the first payment to each Business Payee) prior to the Due
Date. We will reimburse you for any late payment fees or penalties
you are charged, up to a maximum of $50.00 per scheduled payment,
if a Business Payee does not receive a mortgage payment made through
Bill Pay by the end of any grace period following the Due Date, provided
that the date on which payment is initiated is at least twelve (12)
calendar days (or at least ten (10) Business Days for the first payment
to the Business Payee) prior to the end of any grace period following
the Due Date. However, we will not be liable for failure to complete
a transaction (and the payment guarantee will not apply) if:
• Through no fault of ours, you do not have sufficient available
funds in your Primary Checking Account to make the payment.
• The payment would exceed the credit limit on your overdraft
line, if applicable.
• The date and/or time settings on your PC are incorrect.
• Your PC was not working properly.
• The Payee Information necessary to complete the payment stored
on your PC's hard drive and/or The Citizens Banking Company NetTeller
systems has been lost.
• A payee mishandles or delays crediting payments sent by us.
• You have not provided the correct payee name, address, Confirmation
Number, Payee Information or payment amount.
• Circumstances beyond our control (such as fire, flood, failure
of third party equipment or software, or delay in the U.S. Mail) prevent
the proper completion of the payment despite reasonable precautions
by us to avoid those circumstances.
• You fail to properly instruct initiation of your payment.
• You fail to confirm that your payment instructions were transmitted
to us.
• The payee is not a Business Payee.
• The payee, prior to the Due Date, has not published the late
payment fee or penalty, or its method of calculation.
Section
10. Payments Not Completed
If we remit your payment to a payee by mailing your payee a check
and the check has not been presented for payment within our payment
cutoff period, we will investigate the status of the check. If the
payee cannot be reached, or the payment is to an individual and the
check has not been presented for payment for ninety (90) days after
the scheduled payment date, we will place a stop payment order on
the check and credit your account for the amount of the payment.
Section
11. Statements
All of your payments made through Bill Pay will appear on your monthly
Account statement(s). The payee name, payment amount, and date will
be reflected for each payment made through Bill Pay.
Section
12. Fees
Bill Pay is available at no charge. These fees may be amended from
time to time in accordance with the Rules. All other fees applicable
to your Accounts remain in effect.
Section
13. Effect of Termination on Scheduled Payments
If you have scheduled payments with a scheduled payment date within
the ten-day termination period, you must separately cancel those payments.
If we have not completed processing of your termination request and
you have not otherwise canceled such a payment, you will be responsible
for that payment.
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