These are the terms of your Agreement with Union Savings Bank for accessing your accounts and making use of other services via the Internet through Union Savings Bank. Whenever you use Internet Banking, or authorize others to use it, you agree to these terms. Union Savings Bank may amend these terms from time to time. You will be notified of any amendments that affect your rights or obligations within the appropriate time period. Each of your accounts at Union Savings Bank, which are accessed by Internet Banking continue to be governed by the applicable Account Disclosures and Regulations Relating to Deposit Accounts and Other Services and Electronic Fund Transfer Agreement and Disclosures, otherwise known as Disclosures and Regulations, and the applicable Schedule of Fees, as they may be amended from time to time. Please read carefully and keep a copy for your records.
1. Definition of Terms
2. Requirements for Your Use
To access your accounts through Union Savings Bank's Internet Banking, you must have a Union Savings Bank account and complete a Union Savings Bank Internet Banking Application. In addition, you will need a personal computer Windows 95 or higher, Internet service through the provider of your choice, and a compatible web browser with 128-bit data encryption. You may download a compatible web browser for free at:
Microsoft Internet Explorer® or Netscape Navigator®
You are responsible for the installation, maintenance and operation of your computer and your browser software. The risk of error, failure, or non-performance is your risk and includes the risk that you do not operate your computer or your software properly. The Bank is not responsible for any errors or failures from any malfunction of your computer or your software. Union Savings Bank is not responsible for any electronic viruses that you may encounter. The Bank is not responsible for any computer virus-related problems that may be associated with the use of Internet Banking. The Bank has no liability to you for any damage or other loss, direct or consequential, which you may suffer or incur by reason of your use of your computer or your software.
3. Waiver of Requirement for Two Signatures
Certain other agreements concerning the Eligible Accounts may provide that two signatures are required for you to transact business on those Eligible Accounts. We agree that such requirements are impractical and will not apply when you are employing the Services to access the Eligible Accounts. You will not require us to verify two signatures under such circumstances and release us from any liability in connection therewith. Any person who is authorized to act as a signer on your Eligible Accounts may act individually without the jointer of any other person to make electronic or telephone transfers (including online bill payments from your Eligible Account), even though that person’s authority to transfer or withdraw funds from an Eligible Account by some other means must be exercised jointly with one or more other individuals.
4. Customer Support
If you need assistance with Union Savings Bank's Internet Banking Service, or if you need to communicate with Union Savings Bank, you may contact Customer Service at 660-826-2260 between 8:30 A.M. and 3:00 P.M. and 660-826-6650 from 3:00 P.M. and 6:00 P.M. CST Monday-Friday and Saturday between the hours of 9:00 A.M. and 1:00 P.M.
You may also write to us at:
Union Savings Bank
On-Line Services
P. O. Box 814
Sedalia, Mo. 65302-0814
1. Hours of Accessibility
You can access your accounts through Union Savings Bank's Internet Banking Service seven days a week, 24 hours a day. However, at certain times, Union Savings Bank’s Internet Banking service may not be available due to routine system maintenance.
A transfer completed through the Service before the transfer cutoff time will be posted to your account on the same day. Any transfer completed after the transfer cutoff time on a business day or on a non-business day will be posted on the next business day. The transfer cutoff is 6:00 p.m. (Central Time). Every day is a business day except for Saturdays, Sundays, and federal holidays.
2. General Description of Services
Account access via Union Savings Bank's Internet Banking Service allows you to
View account balances and transaction history.
3. Transfers
Through Union Savings Bank's Internet Banking Service you are allowed to make transfers between your various accounts. You may also make your loan payments to us. You must be an owner of and have the unrestricted right of withdrawal from all accounts to or from which you request a transfer. We reserve the right to deny transfers between certain types of accounts and under certain circumstances.
The number of transfers from accounts may be limited as described in the applicable portions of the deposit account information. Each payment or transfer through Internet Banking from a savings or money market account is counted as one of the six limited transfers permitted each statement period, as described in the Disclosure and Regulations. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer that portion of the funds until the hold expires.
4. Personal Access ID and Password
You will be given an Internet Banking Access ID and Password that will give you access to your accounts through our Internet Banking Service. Once you have submitted a complete Internet Banking Application, you will receive your Internet Banking Access ID and Password. You will be asked to select a new Access ID and Password upon your initial use of Internet Banking. We recommend that you change your Password on a regular basis and will require you to change your Password, at minimum, every 90 days. The Bank is entitled to act on the instructions received under your Password. For security purposes, it is recommended that you memorize the Access ID and Password and do not write them down. You are responsible for keeping your Access ID, Password and other account data confidential.
Anyone to whom you give your Internet Banking Access ID and Password or other means of access will have full access to your accounts, even if you attempt to limit that person's authority. For this reason, you should not disclose your Internet Banking Access ID and Password to other persons.
5. Cancellation of Services
If you wish to cancel any of your Internet Banking Services, please contact Customer Service at 660-826-2260 between 8:30 A.M. and 3:00 P.M. CST Monday-Friday,
You may write to us at:
Union Savings Bank
On-Line Services
P.O. Box 814
Sedalia, Mo. 65302-0814
If, for any reason, you should ever wish to cancel Internet Banking, your scheduled payments and transfers will be automatically deleted. For this reason, if you cancel Internet Banking, you should make other payment or transfer arrangements. This will also ensure that future payments or transfers made by you will not be duplicated. The bank reserves the right to terminate the internet banking agreement, in whole or in part, at any time for any reason.
6. New Services
Union Savings may, from time to time, introduce new Internet Banking Services and/or enhancements to the current service. We shall update this Internet Banking Agreement and notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the terms contained in this Internet Banking Agreement.
1. Usage
Your first use of Union Savings Bank's Internet Banking Service confirms your agreement to and understanding of the terms and conditions in the Union Savings Bank Internet Banking Agreement.
You agree to the terms of this agreement and the schedule of charges that may be imposed. You authorize us to deduct applicable charges and payments, as accrued, directly from your designated payment account. You are liable for all transactions that you may make or authorize, even if the person you authorize exceeds your authorization. If you give someone your Internet Banking Access ID and Password or any other means of access and you want to terminate that person's authority, you must change your Access ID and Password or other means of access or take additional steps to prevent further access by such persons.
2. Unauthorized Transactions in Your Accounts
Notify us immediately if you believe another person has improperly obtained your Internet Banking Access ID or Password. Also notify us if someone has transferred or may transfer money from your Bank deposit account without your permission, or if you suspect any fraudulent activity on your account. To notify us, call Customer Service at 660-826-2260 from 8:30 A.M. and 3:00 P.M. CST Monday-Friday.
If your Internet Banking Access ID and Password have been compromised and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if an unauthorized person uses your Internet Banking Access ID and Password without your permission to access a Bank deposit account and/or initiate a transaction.
If you do NOT notify us within two (2) business days after you learn of the loss or theft, and we can prove that we could have stopped someone from using your Internet Banking Access ID and Password without your permission had you told us, you could be liable for as much as $500.
Also, if your statement shows withdrawals, transfers or purchases that you did not make or authorize, please notify us at once. If you do not notify us within sixty (60) days of receiving your paper or online statement, and we could have stopped someone from taking money if you had told us in time, you may not recover any money lost after the sixty (60) days.
3. Error Resolution
Call or write to us as soon as possible if you think your statement, account or transaction information is wrong or if you need more information about a transaction listed on your statement or shown through Union Savings Bank's Internet Banking Service. We must hear from you no later than sixty (60) days after we send the first statement on which the problem or error appeared. The telephone number and address you may use are as follows:
Telephone number: 660-826-2260 between 8:30 A.M. and 3:00 P.M. Monday-Friday
Or 660-826-6650 between 3:00 P.M. and 6:00 P.M. Monday-Friday and
Saturday between 9:00 A. M. and 1:00 P.M.
Address: Union Savings Bank
Error Resolution
P. O. Box 816
Sedalia, Mo. 65302-0816
We will tell you the results of our investigation within ten (10) business days (twenty (20) days, if you initiated the transaction from outside the United States) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days (ninety (90) days if you initiated the transaction from outside the United States) to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten business days (twenty (20) days if you initiated the transaction from outside the United States) for the amount you think is in error, so that you will have the use of your 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 ten (10) business days, we may not provisionally credit your account.
If we determine that there is no error, we will send you an explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.
4. Limits on Withdrawals
If any of your qualifying accounts are money market or savings accounts, certain types of withdrawals from those accounts, including payments and transfers, are limited to a total of no more than 6 in the monthly statement period. Withdrawals covered by this limitation are ones made by means of preauthorized transfer, automatic transfer, or payments arranged by telephone request. A total of only 6 of these types of withdrawals may be made by check, draft, debit card, or similar order payable to third parties. You also agree to the "Terms and Conditions" that were delivered to you when you opened your deposit account(s).
5. Disclosure of Account Information
You authorize the Bank and each of its affiliates to disclose to third parties, agents, and affiliates, such as independent auditors, consultants or attorneys, information you have provided or that we or our affiliates have obtained about your accounts and the transfers you make:
6. Your Records
This Agreement and the Services are not intended to relieve you of any obligation imposed by law or contract regarding the maintenance of records or from employing adequate audit, accounting and review practices as are customarily followed. You agree to retain and provide to us, upon request, all information necessary to remake or reconstruct any deposit, transmission, file or entry until ten business days following receipt by us of the deposit, file, entry, transmission, or other order affecting an account.
7. Termination
Either party may terminate this Agreement as to some or all of the Services, with or without cause, by giving 20 days prior notice to the other party. We may terminate your Services or this Agreement immediately and without prior notice if: (a) you breach any agreement with us; (b) the confidentiality of your Password is compromised; (c) we have reason to believe that an unauthorized transaction has taken or may take place involving any of your accounts or any of the Services; (d) you become insolvent or the subject of a bankruptcy, receivership, or dissolution proceeding; or (e) we are uncertain as to any person's authority to give us instructions regarding your accounts or the Services. The termination of this Agreement will not affect the rights or obligations of the parties that arise prior to termination.
8. Security Information
At Union Savings Bank we understand the importance of customer information security. Protecting your confidential financial information is our number one priority. Union Savings Bank maintains strict standards of security designed to ensure a secure exchange of information with our customers.
As part of our commitment, customer information and account data is protected by multiple security protocols: firewalls, data encryption and a verifiable password. Union Savings Bank provides end-to-end encryption to secure transactions while in transit.
Encryption technology transmits information sent over the internet by encoding the transmitted data. A firewall is designed to protect information stored in our computer systems from unauthorized entry.
Although we provide a secure e-mail system directly from our site which uses data encryption to help protect your communications with us, we strongly urge you not to e-mail confidential information (such as social security numbers, account numbers, etc) to us.
You will know you’re in a secure environment when a “locked” icon is displayed at the bottom of the screen or https:// will appear in the address line.
Your account information is also protected with a Password known only to you. Your Password must be used to access your accounts and authorize payments. Only you know your private Password, so you can be confident that your data is secure if you do not provide your Password to anyone. You agree that if you give your Password to anyone or fail to safeguard its secrecy, you do so at your own risk since anyone with your Password will have access to your accounts. You are liable for all transactions authorized with the use of your Password. Union Savings Bank has no responsibility for establishing the identity of any person who uses your Password. You agree that if you believe the secrecy of your Password has been compromised, you will immediately notify Union Savings Bank of that fact, and you will immediately change your Password. You agree to indemnify, defend and hold harmless Union Savings Bank for any and all claims, losses, damages, actions, suits, liabilities, costs, fines and expenses (including reasonable attorneys' fees), and you agree not to make any claim or demand against Union Savings Bank or bring any action against Union Savings Bank related to its honoring or allowing any actions or transactions that were authorized and/or conducted under your Password.
9. Acceptance and Effectiveness of Agreement
You have accepted and agreed to the terms and conditions of this Agreement, effective when you use or authorize others to use the Services to access an Eligible Account. Please note that system usage is monitored, recorded and subject to audit. Unauthorized use of this system is prohibited. Indicate your acceptance or declination of the Union Savings Bank’s Internet Agreement below .
