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Online Banking Application

Online Banking is available to current C US Bank customers that have active accounts. If you do not have accounts with us, please stop by any of our convenient locations today! Thank you!


ONLINE BANKING



AGREEMENT AND DISCLOSURE



This Agreement and Disclosure sets forth your and our rights and responsibilities concerning the use of our Online Banking product and services. In this agreement, the words "you" and "your" mean the C US Bank deposit and/or loan customer(s) requesting these products and services and any authorized user(s). The words "we", "us" and "our" mean C US Bank. By using Online Banking, you agree to all of the terms of this agreement.

ONLINE BANKING FEATURES: You may access your account information by using a specific Internet User ID and password assigned to you. At the present time you may use the system to: 

General Online Banking 
	o	Perform account inquiries on checking, savings, certificate and loan accounts 
	o	Obtain statement transaction detail on your accounts 
	o	Transfer funds between your checking, savings and/or loan accounts 
	o	Send secured e¬mail messages to Bank personnel
	o	Enroll for E-Statements
	o	View E-Statements
	o	Download account activity
	o	Submit check orders
	o	Place stop payment orders on checks
 
Bill Payment 
	o	Initiate bill payments to a merchant or vendor you choose 

 
FEES AND CHARGES: 
There is no charge for Online Banking or Bill Payment features except as noted below
	o	Normal check fees will be accessed when check orders are processed.
	o	Fees for stop payments and overdrafts may be assessed as disclosed in the bank’s Common Features Fee Schedule that was provided to you when you opened your account or mailed to you when it was last updated.
	o	Per debit fees for exceeding six debit transactions in a month or statement cycle on savings accounts or money market accounts will be assessed as disclosed in your account agreement.

LIMITATIONS ON FREQUENCY AND AMOUNT: According to Federal Regulations, you may not make more than six(6) preauthorized or automatic transfers from your money market or savings account during a given monthly statement period. Online Banking transfers count towards this limit. There are no limits on the number or dollar amount of transfers or payments you make from your checking account. 

BALANCES: Balances provided through Online Banking may include deposits subject to verification by us. The balance may also differ from your records due to deposits in process, outstanding checks or other withdrawals, payments or charges. We have the right to cancel transactions if sufficient funds are not available in your account. 

USER ID AND PASSWORD: The User ID and password issued to you is for your security purposes. Your password is confidential and should not be disclosed to third parties. You are responsible for safekeeping your password. You may change your password at any time by clicking on "Options". For security purposes, the system will automatically prompt you to change your password if you have not changed it in 360 days. You should carefully select a password that is hard to guess. (We suggest that you stay away from names, dates, and information that may be easily guessed.) You agree not to disclose or otherwise make your password available to anyone not authorized to sign on your accounts. 

NO SIGNATURE REQUIREMENT: When any payment or other on¬line service generates items to be charged to your account, you agree that we may debit the designated account without requiring your signature on the item and without any notice to you. 

NOTICE OF LIABILITY: Tell us AT ONCE if you believe your password has been lost or stolen. Telephoning us at (563) 547¬-2040 is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit).  If you tell us within two business days, you can lose no more than $50 if someone used your password without your permission. (If you believe your password has been lost or stolen, and you tell us within two business days after you learn of the loss or theft, you can lose no more than $50 if someone used your password without your permission.)

If you do NOT tell us within two business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your 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, tell us at once. If you do not tell us within 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 stopped 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 will extend the time period. 
 
If you believe that your password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission call (563)547¬2040, write to us at C US Bank, PO Box 57, 111 North Elm St, Cresco, IA 52136, or send an e¬mail to cusbinfo@cusb.com. 

BILL PAY ACTIVITY: If you do not use your bill pay service once during a 90 day time period, CUSB will de¬activate your account automatically. This is a security control that is implemented to protect you account. You may contact C US Bank at any time to reactivate your bill pay service. 

BUSINESS DAYS: Every day is a business day except Saturdays, Sundays, and federal holidays. 
 

CUTOFF TIMES: The following cutoff times pertain to specific Online Banking features. Transactions received after the cutoff time will be posted the following business day

Funds Transfers:	3:00 PM (Central Time)

Bill Payments:	3:00 PM (Central Time)
To ensure that payment is properly credited to your account prior to the payment due date, please allow at least (5 to 7) business days from the date payment is submitted for your payment to reach your merchant or vendor.

DOCUMENTATION: 

Periodic Statement: You will get a monthly account statement from us on your checking or savings account. 

Confirmation or Receipt: A confirmation or receipt will be displayed at the time you make a transfer, submit a bill payment, initiate cash management transactions, or submit instructions for stop payments or check orders. This confirmation or receipt should be printed and kept for your records. 

OUR LIABILITY FOR INCOMPLETE TRANSACTIONS: If we do not complete transactions to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable for instance: 
	o	If, through no fault of ours, you do not have enough money in your account to cover the transaction. 
	o	If the money in your account is subject to legal process or other claim restricting such transaction. 
	o	If the transaction would go over the credit limit on any line of credit. 
	o	If the terminal or system was not working properly and you knew about the breakdown when you started the transaction. 
	o	If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. 
	o	If any information provided by you about the payee on a bill payment is incorrect. 
	o	If there are any delays in handling the payment by the payee. 
 

IN CASE OF ERRORS OR QUESTIONS: Telephone us at (563) 547-¬2040, write to us at PO Box 57, 111 North Elm St, Cresco, IA 52136, or e¬mail us at cusbinfo@cusb.com 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 the FIRST statement on which the problem or error appeared. 
	o	Tell us your name and account number 
	o	Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. 
	o	Tell us the dollar amount of the suspected error. 
	o	Confirmation or Receipt number (if known) 
	o	For bill payment errors tell us: 
		•	Checking account used to pay the bill 
		•	Payee name 
		•	Date the payment was sent 
		•	Confirmation or Receipt number (if known) 
		•	Payment amount 
		•	Payee account number 

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. 
We will tell you the results of our investigation within ten (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 forty-five (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 ten (10) business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint in writing and we do not receive it within ten (10) business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you has an established account with us before the account is opened.

If we decide that there was no error, we will send you a written explanation of our findings within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. 

CONFIDENTIALITY: We will disclose information to third parties about your account or the transaction you make: 
	o	To complete transactions you initiated; 
	o	To comply with government agency or court orders; 
	o	If you give us your written permission; or
	o	As otherwise permitted by law and disclosed in our Privacy Notice that was provided when you opened your account and on an annual basis thereafter. 

VIRUS PROTECTION: C US Bank is not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their internet access device and external media devices using a reliable virus product to detect and remove any viruses. Undetected or unrepaired viruses may corrupt and destroy your programs, files and even your hardware. Additionally, you may unintentionally transmit the virus to other computers. 

NOTICES: All notices from us will be effective when we have mailed them or delivered them to your last known address on our records. Notices from you will be effective when received by us at the telephone number or the address specified in this agreement. We reserve the right to change the terms and conditions upon which this service is offered. We will mail notice to you at least twenty one (21) days before the effective date of any change, as required by law. Use of this service is subject to existing regulations governing your account and any future changes to those regulations. 

TERMINATION: You agree that we may terminate this agreement if: 
	o	You do not use your online banking in the six months following the opening of the online service OR if you do not use your online banking account for 18 months, CUSB will cancel your online banking account automatically. This is a security control that is implemented to protect your account;
	o	You or any authorized user of your password breach this or any other agreement with us; 
	o	We have reason to believe that there has been an unauthorized use of your account or password; 
	o	We notify you or any other party to your account that we have cancelled or will cancel this Agreement; or 
	o	You or any other party to your account can terminate this Agreement by notifying us in writing. 

Termination of service will be effective the first business day following receipt of your written notice. Termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination. 

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