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Online Banking Agreement and Enrollment Form
To apply for Online Banking, please read the following Online Agreement and indicate your acceptance by clicking on the "I Agree" button at the bottom of this page. The button will take you to the Enrollment form which you will have to complete and return to Peoples Bank to receive your login and password for your Online Banking Account. If you have any questions, please feel free to contact us and we would be happy to help!
Peoples Online Banking Agreement
If you would like to have a paper copy of this Agreement sent to you, please send us an e-mail at info@peoples-ebank.com or call us at any of our locations listed below.
This Peoples Online Banking Agreement (this "Agreement") states the terms and conditions for Peoples Online Banking offered by Peoples Bank (the "Bank"). When you use, or you permit any other person(s) to use, Peoples Online Banking (collectively, "Online Services"), you agree to the terms and conditions of this Agreement. These terms and conditions are in addition to those that apply to any accounts you have with the Bank. This Agreement is an addendum to the existing Loan and/or Deposit Account Agreement that you received when opening your account, as amended from time to time.
As used in this Agreement, "you" or "your" refers to each person(s) subscribing to, using or accessing Online Services; "we", "us" or "our" refers to the Bank or any agent, independent contractor, designee, or assignee the Bank may, in its sole discretion, involve in the provision of Online Services.
1. In the event that you experience a problem with your User ID or PIN, or believe that they have been lost, stolen or compromised, please contact the Bank at one of our locations listed below or sending us an electronic message using Peoples Online Banking.
2. Peoples Online Banking. You must have a personal or business checking, savings, loan or time deposit account at the Bank, and access to the Internet to use Peoples Online Banking services. To use Peoples Online Banking and perform a transaction, enter your User ID and PIN as directed by the Login screen message.
3. What You Can Do. You may perform the following transactions:
a. Balance Inquiries. You may use Peoples Online Banking to check the current balance, view account transaction history and other account information on all your deposit accounts, loan accounts, and time deposit accounts.
b. Funds Transfers. You may use Peoples Online Banking to perform an unlimited number of funds transfers from your Bank checking or savings accounts or lines of credit to other Bank checking, savings or loan accounts. The dollar amount is limited only by your account balance. **Note: If your account has restrictions related to the number of withdrawals allowed during a statement cycle, those restrictions will be enforced as per your Depository Account Agreement.
c. Statement Inquiries. You may use Peoples Online Banking to view and print out copies of your deposit account statements from the last 91 days.
d. Online Bill Pay. You may use our Online Bill Pay to pay anyone from anywhere at anytime through our Online Banking. Payments will be sent either electronically or by check depending on the payee. Payments will be processed within 2-3 days for electronic payments and 5-7 for check payments.
e. Download to financial software. You may use Peoples Online Banking to receive and download (to Microsoft Money or spreadsheet) balance and transaction information for Peoples Bank accounts.
f. Customer Service. You may communicate with the Bank by using a personal computer to send and receive written messages electronically. E-mail is not a secure communication method. Do not include any private information in your message. E-mail transmitted to us often will not be delivered to us immediately. If you need to contact us immediately, you should call us at 1-712-476-2746.
4. Equipment. You are responsible for obtaining, installing, maintaining and operating all computer hardware, software and Internet access services necessary for performing online services and any fees related thereto. The Bank will not be responsible for any errors or failures from the malfunction or failure of your hardware, software or any Internet access services. This includes upgrading your browser to maintain the level of encryption required to operate Peoples Online Banking, as that level may change from time to time.
5. Business Days/Hours of Operation. The Banks business days are Monday through Friday, except Federal Reserve holidays. Peoples Online Banking is available 24 hours a day, 7 days a week except during maintenance periods or circumstances beyond our reasonable control. All Peoples Online Banking transactions initiated after 4:00 p.m. Central Time will be posted to the appropriate account on the next Business Day. Because of our daily processing requirements, there will be a period of about 15 minutes per business day when you will not be able to post transfers to your account. Generally, that downtime will occur between 9:00 p.m. and 10:00 p.m. Central Time.
6. Fees. The Bank will not charge you any fees for using Peoples Online Banking. The optional service of Online Bill Pay does have a fee of $4.99 for the first ten transactions and $0.50 for any transaction after the initial ten transactions.
7. Limitation of Access/Security. The Bank may terminate Peoples Online Banking in whole or in part at any time without prior notice. The Bank reserves the right to limit or suspend your access to Peoples Online Banking at any time. In order to maintain secure communications and reduce fraud, you agree to protect the security of your User ID and PIN. We reserve the right to block access to Online Services to maintain or restore security to our Site and systems, if we reasonably believe your access codes have been or may be compromised or are being used or may be used by an unauthorized person(s).
8. Your Responsibility. Use of your User ID and is the agreed security procedure to access Online Services. In order to prevent unauthorized access to your accounts and to prevent unauthorized use of Online Services, you agree, by using Peoples Online Banking, to keep confidential, and to not give or make available your IDs and PINs to any person not authorized to access your accounts. The loss, theft or unauthorized use of your IDs and PINs 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 disclose your IDs and/or PINs to any person(s) or entity, you assume all risks and losses associated with such disclosure. You are responsible for all transfers you authorize using Online Services. If you permit any other person(s) or entity to use Online Services or to access or use your IDs and/or PINs, you are responsible for any transactions and activities they authorize from your accounts. You agree to immediately notify us of any unauthorized use of your IDs and/or PINs or of any other breach of security, or if you believe someone may attempt to use Online Services without your consent or has transferred money without your permission. You can contact us at one of our locations listed below.
9. .Damages. THE FOREGOING SHALL CONSTITUTE OUR ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL WE BE LIABLE FOR INCIDENTAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, CAUSED BY OR THE USE THEREOF, OR ARISING IN ANY WAY OUT OF THE INSTALLATION, USE OR MAINTENANCE OF YOUR PERSONAL COMPUTER HARDWARE, EQUIPMENT, SOFTWARE OR ANY INTERNET ACCESS SERVICES.
10. Warranties Disclaimer. THE ONLINE SERVICES AND RELATED DOCUMENTATION ARE PROVIDED AS IS , AND WE DO NOT MAKE ANY WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, CONCERNING THE HARDWARE, SOFTWARE OR ANY PART THEREOF, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.
11. Errors or Questions. In cases of errors or questions concerning transactions completed with Peoples Online Banking, do one of the following, as soon as possible:
a. Contact us in person at one our locations listed below.
b. Telephone Peoples Bank at one of the telephone numbers listed below.
c. Write to us at one of the locations listed below.
d. Initiate a payment inquiry on your PC through e-mail to info@peoples-ebank.com.
e. 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:
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) The amount of the error(s)
We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the 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. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer.
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 that we used in our investigation.
12. Termination. If you do not access your eligible accounts via the service of Online Banking for any six (6) month period, we may terminate your service.
If you wish to cancel any Online Financial Service (Online Banking, Bill Pay), please contact your local Peoples Bank location or send us cancellation instructions in writing to Peoples Bank, PO BOX 158, Rock Valley, IA 51247.
13. Miscellaneous Terms. In addition to this Agreement, you agree to comply with all applicable account agreements, including, without limitation, the Loan and/or Deposit Account Agreement that you received when opening your account, as amended, and with all applicable State and Federal laws and regulations.
The Bank may amend or change this Agreement (including applicable fees and service charges) by sending you written notice by electronic mail or by regular mail sent to your address as it appears on your account records. You agree that the Bank may also send you future notices and disclosures about your accounts with the Bank by electronic mail, where permitted by law. Any use of the Online Services after we send you a notice of change will constitute your agreement to such change(s). Further, we may, from time to time, revise or update the programs, services and/or related material, which may render all such prior versions obsolete. Consequently, we reserve the right to terminate this Agreement as to all such prior versions of the programs, services, and/or related material, and to limit access to Online Services more recent revisions and updates.
We shall not be deemed to have waived any of our rights or remedies hereunder unless such waiver is in writing and signed by us. No delay or omission on our part in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.
We refer you to the Agreement that you received when opening your loan and/or depository account, as amended, for additional terms and conditions and disclosures that apply to your accounts with the Bank, as this Agreement is an addendum to such Loan and/or Deposit Account Agreement.
Peoples Bank is conveniently located at:
PO Box 158
Rock Valley, IA 51247
Phone (712) 476-2746
Fax (712) 476-2748
PO Box 37
Lester, IA 51242
Phone (712) 478-4411
Fax (712) 4784683
PO Box 135
Sioux Center, IA 51250
Phone (712) 722-0101
Fax (712) 722-0104
PO Box 707
Akron, IA 51001
Phone (712) 568-1091
Fax (712) 568-2320
PO Box 188
Sheldon, IA 51201
Phone (712) 324-4400
Fax (712) 324-4405
PO Box 129
Jasper, MN 56144
Phone (507) 348-3051
Fax (507) 348-3040
PO Box 232
Hawarden, IA 51023
Phone (712) 551-2413
Fax (712) 551-2329
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I Agree: I have read the above disclosure, agree to the terms and would like to enroll in online banking. |
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