Internet Banking
Terms and Conditions
- Service
In consideration of the Online Banking and Mobile Banking Services (“Services”) to be provided by First State Bank Nebraska (“BANK”), as described from time to time in information distributed by BANK to its customers. In this Agreement, “Customer” refers to the person(s) subscribing to or using the Services. By utilizing the Services, you, the Customer, agree to this Agreement. You may use a Personal Computer (“PC”) or Web Based phone through an Internet connection and an Access ID and PIN or password, as described below, to obtain account balances and transaction information. You may also use your PC or Web Based phone to transfer money between your accounts. Federal regulations limit online transfers from your BANK savings and Money Market to ten (10) per monthly statement cycle (see your account agreement for details). You may use your PC or Web Based phone to electronically direct us to make payments (“BillPay Services”) from your BANK account to third parties. Please see the separate “Bill Paying Terms and Conditions” for further information on the BillPay Services, and “e-Statement Agreement” for information in regard to receiving BANK statements electronically. By subscribing to the Services or using the BillPay Services to make any payments to a third party, you agree to the terms of the Agreement (and if applicable, the Bill Paying Terms and Conditions). PLEASE READ THIS AGREEMENT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS. - Access ID and PIN or Password
Each individual who has access to the Services, including each individual named on joint accounts, must designate a password and an Access ID. For Online Banking, the password must be a minimum of 10 characters, up to a maximum of 17 characters, which must include an uppercase letter and at least one number. For example, your password may be: LsgPd2tw10. You may be required to change your password periodically to enhance security. If you forget your password, you may contact us at 402-858-1750 or 877-303-9737 during Business Days/Hours of operation noted below. If you provide your Access ID and password to another individual, you are authorizing them to act on your behalf. We are not liable for the actions of individuals to whom you provide your Access ID and/or password. - Internal Transfers
Express transfers received by 7:00 p.m. (CST) will post to your account on the current business day with immediate availability of funds. Scheduled transfers may take up to one business day following the selected transfer date to post to your account and have funds available. Business days are defined below. - External Transfers
You can use this service to transfer funds into and out of your accounts held at FSBN, and from and to your accounts held at other financial institutions. External Transfer gives you multiple transfer option including one-time, recurring or future-dated transfers. Once you select an account in the "From" field, the Delivery Speeds available for that account will be presented. Next to the Delivery Speed(s), the date by which the transfer will be completed, and any fees associated with that Delivery Speed, will also be presented
First State Bank Nebraska is not liable or responsible for any costs or losses incurred as a result of the funds transfer requests from and to such accounts submitted by you. - 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 and we have a reasonable opportunity to react. - Our Liability for 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 may be liable for some of your losses or damages. However, there are some exceptions. We will not be liable for instance:
a. if, through no fault of ours, you do not have enough money in your account to make the transfer
b. if the money in your account is subject to legal process or other encumbrances restricting transfer;
c. if the transfer would go over the credit limit on your overdraft line (if any);
d. if the system was not working properly when you started the transfer;
e. if circumstances beyond our control (such as fire or flood or systems failure) prevent the transfer, despite reasonable precautions that we have taken
- Statements
You will receive a monthly Checking account statement. You will receive a quarterly Savings statement, unless you have Automatic Transactions, then you will receive a monthly statement. In any case you will get the statement at least quarterly. BANK account statements are available through the Online Banking Service. - Fees
Fees for Services shall be payable in accordance with the Schedule of Fees and Charges or the Truth in Savings Disclosure as established and amended by BANK from time to time. Charges shall be automatically deducted from customer’s Account, and BANK shall provide to Customer monthly notice of such debit(s) on your statement. - Equipment
You are solely responsible for the equipment you utilize to access the Services, such as your personal computer, phone, or software. We are not responsible for errors or delays or your inability to access the Services caused by your equipment. We are not responsible for the cost of upgrading your equipment to stay current with the Services nor are we responsible, under any circumstances, for any damage to your equipment or the data resident thereon. - Business Days/Hours of Operation
Business hours vary by branch (See website for all branch locations and hours). Our main branch hours are 8:30 a.m. to 4:00 p.m. (CST), on business days, which are Monday through Friday, except bank holidays. Although payments and transfers can be completed only on business days, the Services are available 24 hours a day, seven days a week, except during maintenance periods, for the scheduling of payment orders and transfers. - Notice of Your Rights and Liabilities.
For BANK Savings and Checking accounts, see also the Electronic Funds Transfer disclosure provided to you at account opening.
Tell us AT ONCE if you believe your PIN or password has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum line of credit). If you tell us within two (2) business days after you learn of the loss or theft or your PIN or password, you can lose no more than $50. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your PIN or password, and we can prove we could have stopped someone from using your PIN 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, including those made using your PIN or password, tell us at once. If you do not tell us within sixty (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 prevented 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 may extend the time periods.
For purposes of these disclosures, our business days are Monday through Friday, excluding bank holidays.
If you believe your PIN or password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, tell us at once, by calling (402) 858-1750 or 877-303-9737 or writing us at:
First State Bank Nebraska
Attention: Electronic Banking Department
2701 Grainger Parkway Lincoln, NE 68516
- Transfer types and limitations
You may use your access code and PIN or password to transfer funds between your BANK checking and savings accounts. - Right to stop payment and procedure for doing so
If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here's how:
Call us at (402) 858-1750 or 877-303-9737, or write us at:
First State Bank Nebraska
Attention: Electronic Banking Department
2701 Grainger Parkway Lincoln, NE 68516
A customer requesting BANK to stop payment of an item (the “Customer”) agrees to furnish BANK with the exact amount, (“exact to the penny unless otherwise noted) date, number, name of payee and such other information pertaining to said item as BANK may request, and failure to furnish such information shall relieve the Bank of any liability to any payment made contrary to this request. Customer agrees to reimburse BANK for all expenses and loss resulting from refusing payment pursuant to this order, or if by reason of such payment other checks drawn by the Customer are returned unpaid because of insufficient funds. This stop payment order is also subject to provisions contained in Customer’s signature card. Stop payment for check: If account holder instructs BANK to stop payment on a transaction; order will remain in effect for six months.
For all entries except ARC, BOC, RCK, POP, Single-Entry WEB and TEL entries, a customer may stop the payment of a debit entry initiated or to be initiated to a Consumer Account of the Customer by providing either verbal or written notification to BANK at least three business days before the scheduled date of the transfer. A BANK may honor a stop payment order received within the three-business-day limit prescribed above, and, if it honors such a request, BANK has no resultant liability or responsibility to any Originator, ODFE or other person having any interest in the entry. For ARC, BOC, RCK, POP, Single-Entry WEB and TEL entries, the stop payment order must be provided to BANK at such time and in such manor as to allow BANK a reasonable opportunity to act upon the stop payment order prior to acting on the debit entry. BANK may require written confirmation of a verbal stop payment order within 14 days, provided that BANK notifies the Customer of this requirement and provides an address to which the written confirmation should be sent at the time the verbal order is provided.
If the Customer instructs the Bank to stop all future payments pursuant to a specific authorization involving a specific Originator, the Bank may require the Customer to confirm in writing that the Customer has revoked the authorization given to the Originator.
A stop payment order will remain in effect until the earlier of (1) the withdrawal of the stop payment order by the Customer, or (2) the return of the debit entry, or, where a stop payment order is applied to more than one debit entry under a specific authorization involving a specific Originator, the return of all such debit entries
- Error Resolution Notice
In case of errors or questions about your electronic transactions, telephone us at (402) 858-1750 or 877-303-9737, 8 a.m.-5:00p.m. (CST), Monday through Friday, except bank holidays, or write us at:
First State Bank Nebraska
Attention: Electronic Banking Department
2701 Grainger Parkway Lincoln, NE 68516
as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared.
You will need to:
a. tell us your name and Account number (if any)
b. describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information; and
c. tell us the dollar amount of the suspected error. If you tell us verbally, we may require you to send us your complaint or question in writing within 10 business days following the date you notified us.
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 business 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 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 business 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 we used in our investigation.
- Disclosure of Account Information to Third Parties
We may disclose information to third parties about your account or the transactions you make:
a. where it is necessary for completing transactions or resolving errors involving the Services; or
b. in order to verify the existence and condition of your account for a third party, such as a credit bureau or a merchant; or
c. in order to comply with government agency rules, court orders, or other applicable law; or
d. if you give us your permission. See also our Privacy Notice for further information on disclosure to third parties.
See also our Privacy Notice for further information on disclosure to third parties. - Authorization to Obtain Information
You agree that we may obtain and review your credit report from a credit bureau or similar entity. You also agree that we may obtain information regarding your Payee Accounts in order to facilitate proper handling and crediting of your payments. - Termination
If you want to terminate your access to the Services, call us at (402) 858-1750 or 877-303-9737. RECURRING PAYMENTS YOU HAVE ESTABLISHED THROUGH THE BILLPAY SERVICES WILL NOT NECESSARILY BE DISCONTINUED BECAUSE YOU TERMINATE ACCESS TO THE SERVICES. IF YOU WANT TO MAKE SURE THAT RECURRING PAYMENTS ARE STOPPED, YOU MUST FOLLOW THE PROCEDURES IN THE CANCELING PAYMENTS PER THE SEPARATE BILL PAYING TERMS & CONDITIONS.
We reserve the right to terminate the Services, 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 the Services in situations deemed appropriate by us, in our sole and absolute discretion, including when we believe a breach of system security has occurred or is being attempted. We may consider repeated incorrect attempts to enter your PIN or password as an indication of an attempted security breach.
Termination of the Services does not affect your obligations under this Agreement with respect to occurrences before 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 the Service or the use thereof or arising in any way out of the installation, operation, or maintenance of your PC equipment or software. - Waivers
No waiver of the terms of this Agreement will be effective, unless in writing and signed by an authorized officer of the BANK. - Assignment
You may not transfer or assign your rights or duties under this Agreement. - Governing Law
The laws of the state of Nebraska shall govern this Agreement and all transactions hereunder. Customer acknowledges that he/she has reviewed this 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) calendar 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 or 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 we send you, or within thirty (30) calendar 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 our Checking or Savings Account records, or e-mail address in which you authorized to receive such notices and/or disclosures. - Indemnification
Customer, in consideration of being allowed access to the Services, agrees to indemnify and hold BANK harmless for any losses or damages to BANK resulting from the use of the Services, to the extent allowed by applicable law. - Security Procedures
By accessing the Services, you hereby acknowledge that you will be entering a protected web site owned by BANK, which may be used only for authorized purposes. BANK may monitor and audit usage of the System, and all persons are hereby notified that use of the Services constitutes consent to such monitoring and auditing. Unauthorized attempts to up-load information and/or change information on these web sites are strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of 1986.