As used in this agreement, the words "you" and "your" refer to the account holder(s) and the words "the Bank", "us" and "we" refer to First Commerce Bank.
You must have at least one First commerce Bank account to enroll in this service. There are no monthly service fees for the use of Online Banking.
You must be enrolled in Online Banking to have access to the bill paying service. There are no monthly service fees for use of this feature. The bill pay feature requires a checking account for payments.
By accepting this agreement you authorize the Bank to provide account information, transfer funds between your accounts, place stop payments on checks you have written and provide paid check images, in accordance with the provisions of this agreement. If you choose to enroll in the Online Banking Bill Paying Service, you authorize First Commerce Bank to charge your account(s) for any applicable miscellaneous service fees. By accessing the Online Banking Service, you accept the terms and conditions of this agreement.
For access to Online Banking, you must enter a User Identification Number and Password. Please remember that Bank employees will never ask you for your password. You understand that your User ID and PIN/Password is your electronic signature. It identifies you to us and authenticates and validates the direction given just as your actual signature.
You agree to maintain the confidentiality of your User ID and PIN. You authorize the Bank to honor any transfer requests and provide account information to anyone who provides the correct User ID and PIN. Furthermore, you agree to promptly notify the Bank if an unauthorized person has obtained your User ID and/or PIN, or if unauthorized transfers or errors appear on your account statement. You agree that your liability to the Bank for any and all transfers to and from your account(s), whether authorized or unauthorized, as well as your liability for failure to report unauthorized transfers or account errors is limited only by the provisions of the Electronic Funds Transfer Act.
If you have enrolled in Online Banking, you may access any of your accounts with us for the purpose of reviewing transaction or obtaining balance information. If you have enrolled in the Online Banking Bill Paying Service, you may also access the checking account that you have authorized the Bank to use to pay bills for you. There is an automatic lockout feature which will automatically lock out an attempt to access account information after three failed logon attempts. In addition, the system will automatically timeout if your session activity remains idle for a period of twenty minutes.
You may access your accounts and make transfers at any time. Although there are no restrictions on the number of transfers you may make from your checking and interest bearing checking accounts, Federal Regulations limit the number of transfers which may be made from a money market account or savings account to another account or third party by preauthorized, automatic or telephone (including data transmission) transfer to six per month. Transfers made through Online Banking from a money market account or savings account count towards these limitations. You may transfer up to the available balance in your account. You may not transfer funds to or from an IRA or Certificate of Deposit. Please refer to your deposit account disclosure for additional information.
Transfers made before 9:00 p.m. Monday through Friday, excluding holidays, will be processed on the same day. Transfers made after 9:00 p.m. or on a weekend or holiday will be process on the next business day.
Transfers made in accordance with this Agreement, and all rights and liabilities of both you and the Bank, are subject to the provisions of the Electronic Fund Transfer Act and the Truth in Savings Act. You were provided with a copy of the Electronic Fund Transfers Disclosure and Truth in Savings Disclosure when you opened your account. You should review these disclosures prior to performing transfers through Online Banking and the Bill Pay Service as it gives general information outlining your rights and responsibilities for these transactions.
You may place a stop payment, utilizing Online Banking, on any check that you have written. If you do, you agree to the following terms and conditions.
Wire Transfer is a method of electronic funds transfer from one person or institution to another that is made in the same day. Wire Transfers can be initiated through your Business Online Banking. Wire Transfers that are sent online must have preset Daily Limits which cannot be exceeded. Daily limits are reviewed and approved by Bank Management.
First Commerce Bank offers the ability to Wire Transfer domestically and internationally. The cut off time for all Domestic Wires is 4:00 p.m. on any business day and the cut off time for all International Wires is 2:00 p.m. Refer to banks current fee schedule to view all Incoming and Outgoing, Domestic and International Wire Transfer Fees.
In consideration of these premises, the customer must agree that the Bank shall not be liable in any manner whatsoever for any miscarriage, mistake, delay, misfeasance on the part of any agency or method of transmittal selected by the Bank, and further releases the Bank from any and all liability for any loss or damage caused or occasioned by any act or thing beyond the immediate direct control of the Bank.
The customer must acknowledge receipt of a copy of any Wire Transfer submitted through Online Banking and correctness to all information submitted. It is the customers responsibility to ensure all Wire Transfers are transmitted successfully. Any file transmitted after the cutoff time is not guaranteed to be processed on the same business day.
An ACH transaction is a batch-processed, value-dated, electronic funds transfer between an originating and a receiving bank. An ACH credit transaction is originated by the accountholder sending funds (payer), while an ACH debit transaction is originated by the accountholder receiving funds (payee). Within the ACH system, these participants and users are known by the following terms:
First Commerce Bank offers Businesses the ability to originate ACH Transactions through business online banking. ACH files may be originated individually, as a batch or imported from a third party system (ie: payroll). All ACH Uploads must be in NACHA (National Automated Clearing House Association) Format. All ACH Originations must have preset approved Daily Limits, which are reviewed and pre-approved by Bank Management. ACH files take approximately 2 - 3 days for settlement. The deadline for ACH Origination transmission to be processed for the following business day is 6:00 p.m.
In consideration of these premises, the customer must agree that the Bank shall not be liable in any manner whatsoever for any miscarriage, mistake, delay, misfeasance on the part of any agency or method of transmittal selected by the Bank, and further releases the Bank from any and all liability for any loss or damage caused or occasioned by any act or thing beyond the immediate direct control of the Bank. The customer must acknowledge receipt of a successfully transmitted file when submitting an ACH Origination file through Online Banking and correctness to all information submitted. It is the Customer's responsibility to ensure all ACH Originations are transmitted successfully. Any file transmitted after 6:00 p.m. for ACH Originations is not guaranteed to be processed on the same business day.
We may deliver amendments to this Agreement, disclosures, documents and other communications and information (collectively "records") to you in an electronic format. These records may include: monthly account statements, deposit account disclosures, notices regarding changes in account terms and fees, and privacy notices.
This agreement will remain in effect until you or the Bank terminates it. A termination by you will not be effective until the Bank has received from you a signed written notice of the termination and has had reasonable time to act upon it. If you do not access the Online Banking service for a period of 180 days, the Bank will terminate your service. If we do this, you will be required to re-enroll in this service.
By submitting the Agreement, you acknowledge that you have read, understand and accept the terms and conditions of this agreement. You certify that all information provided is accurate. Please retain a copy of this agreement for your records.
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