This Agreement applies to your use of our personal Online Banking Service for consumers, which permits you to access your accounts with us via the Internet for services selected by you and agreed upon by us. This Agreement applies to all persons that are parties to the accounts. In this Agreement, the terms "you" and "your" refer to each authorized signer on an account accessible by Online Banking, and the terms "us," "we," and "our" refer to Tri City National Bank. By using Online Banking, you agree to abide by the terms and conditions of this Agreement and acknowledge your receipt and understanding of the disclosures contained in this Agreement.
To establish Online Banking, you will complete certain enrollment screens or other documents evidencing your desire to access your accounts using Online Banking. The specific services available to you are identified in the Online Services section of this Agreement. Your completion of the enrollment screen and signature on the Transfer Agreement, if applicable, constitutes your agreement to the terms of this Agreement.
You are responsible for selecting all systems, hardware and your Internet Service provider and for any defect, malfunction or interruption in service or security due to hardware failure, your choice of Internet Service provider and systems and computer services.
Eligible Tri City National Bank Accounts
To access your account(s) through Online Banking you must have at least one eligible account with us. For purposes of this Agreement, eligible accounts are limited to consumer deposit accounts and include the following:
- Checking accounts
- Savings accounts
- Money market accounts
To access Online Banking, you must obtain a unique User ID and Password. The Password has the same effect as your signature to authorize transactions. You agree to keep the Password private, not to record the Password or otherwise disclose or make the Password available to anyone. Anyone to whom you disclose your Password and anyone who has access to your Password will have full access to the services you can perform on Online Banking, including full access to your accounts. You have no ability to limit any such person's authority. If anyone uses your Password with your permission, you will be responsible for all future transactions performed by that person whether or not authorized by you.
Tell us at ONCE if you believe your Password has been lost, stolen or otherwise became available to an unauthorized person. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days, you can lose no more than fifty dollars ($50) if someone used your Password without your permission. If you do NOT tell us within two (2) 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 given us notice, you can lose as much as five hundred dollars ($500.00).
Also, if your statement shows transfers you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you could lose all the money in your account (plus your maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.
Contact in Event of Unauthorized Transfer
If you believe your Password has been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, call us at 888-874-2489 or write to:
Tri City National Bank
P.O. Box 44017
West Allis, WI 53214
In case of Errors or Questions about your Transactions
In case of errors or questions about your electronic fund transfers call us at: 414-874-2489 (Mon-Fri 8:30 am to 6:00 pm, Sat 8:30am to 2pm) or write to: Tri City National Bank, Unauthorized Transfer Dept., P.O. Box 44017, West Allis, WI 53214 or use the current information on your most recent account statement.
Notification should be made as soon as possible if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. You must contact Tri City National Bank no later than 60 days after we sent you the first statement on which the problem or error appears. You must be prepared to provide the following information:
- Your name and account number.
- A description of the error or transaction you are unsure about along with an explanation as to why you believe it is an error or why you need more information.
- The dollar amount of the suspected error.
If you provide oral notice, you may be required to send in your complaint or question in writing within ten (10) business days.
We will determine whether an error occurred within ten (10) business days (twenty (20) business days for new accounts) 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 for new accounts and foreign initiated or Point of Sale transfers) to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (twenty (20) business days for new accounts) for the amount which you think is in error, so that you will have the use of the money during the time it takes 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 to credit your account. The extended time periods for new accounts apply to all electronic fund transfers that occur within the first thirty (30) days after the first deposit to the account is made, including those for foreign initiated or Point of Sale transactions. Visa’s® cardholder protection policy requires that we provide provisional credit for losses of unauthorized VISA® Check Card use within five (5) business days of notification of the loss.
We will tell you the results within three (3) 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.
Our business days are Monday through Friday, excluding Federal holidays.
Hours of Operation
Although you may access Online Banking 24 hours a day, 7 days a week, at certain times some or all of the Online Banking account options may not be available due to system maintenance. If Online Banking will not be accessible for an extended period of time, we will attempt to provide you with notice, but cannot guarantee prior notice will be provided.
Using your User ID and Password you can perform the following:
You can obtain specific information about your accounts, including:
- Account balance information, loan payment due dates and maturity dates.
- Detail information including interest rates and interest paid year to date.
- Account activity including deposits and withdrawals.
You will have the ability to download your account information to specific file formats.
Internal Funds Transfers
You may transfer funds between Tri City National Bank accounts, provided you have signed and returned the Transfer Agreement, if applicable. Permissible funds transfers include:
- Transfers from checking to checking
- Transfers from savings to savings
- Transfers from checking to savings
- Transfers from savings to checking
- Transfers from your home equity line of credit to checking
- Transfers from your checking to your home equity line of credit
- Transfers from checking to money markets
- Transfers from savings to money markets
- Transfers from money markets to checking
- Transfers from money markets to savings
- Transfers from money markets to money markets
A transfer of funds between any of these accounts may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing. You agree to transfer funds only from accounts that have sufficient funds to complete a transfer and understand that a transfer from an account with insufficient funds will not be completed.
We can process an internal funds transfer on the same business day as your instructions, if we receive your instructions before our Online Banking cut-off hour of 8:00 p.m. Central Time on a business day. If we receive your instructions after the end of our business day, we process the transaction on our next business day.
External Funds Transfers
You may make one-time or recurring external transfers from your Tri City National Bank checking, savings or money market account to an individual or joint checking or savings account you have with another financial institution and for which you are an account owner. You agree to transfer funds only from accounts that have sufficient funds to complete a transfer and understand that a transfer from an account with insufficient funds will not be completed. External transfers are limited to daily transactions of $5,000, aggregate daily transactions of $10,000 and aggregate monthly transactions of $25,000. If we receive your instructions before 6:00 p.m. Central Time on a business day, your Tri City National Bank account will be debited on that day. If we receive your instructions after 6:00 p.m. Central Time, your Tri City National Bank account will be debited the next business day. Tri City National Bank is not liable for when the funds will be received and available to you at the other financial institution.
If you select the Bill Payment function, you can pay bills on an automatic recurring basis or periodically as you request. You must designate a Tri City National Bank checking account as your Bill Payment Account. You need to provide us with the name and address of the Payee (i.e., the person you want to pay), your account number with that Payee and any other information we require to properly debit your designated Bill Payment Account and credit your account with the Payee. We may refuse to allow you to designate a particular Payee or class of Payees.
How Bill Payments are Made
We process your Bill Payment requests through Online Banking in one of the following ways:
- We may send Bill Payments through an electronic transmission to the Payee. Payees who receive electronic delivery will receive your Bill Payment information, including your account number with the payee, through a computer link. Bill Payments made electronically are generally received and credited by most Payees within two (2) business days;
- We may send Bill Payments by a check mailed to the Payee. We send all checks through the U.S. mail. Please allow seven (7) business days for Bill Payments issued as checks.
- From time to time, we may receive instructions from a Payee that direct us, in order to ensure the timely processing of your Bill Payment, to send your Bill Payment to an address other than the one that you provided us, or that direct us to make your Bill Payment electronically rather than by check, to an account owned by the Payee at another bank. When we receive such Bill Payment instructions from the Payee, we may, in our sole discretion, follow those instructions with no further authorization from you.
- Since Bill Payments may be processed in different ways, it is important for you to schedule your Bill Payments within the time frame specified below in order to ensure timely processing of your Bill Payment.
- You may make Bill Payments in any amount up to a limit of $5,000 in total payments per day.
Processing Bill Payments
Bill Payment requests, recurring or one time, received after 8:00 p.m. (Central time) Monday through Friday (excluding Federal holidays), after 5:00 p.m. (Central time) on Saturdays or at any time on Sundays will be processed the following business day. Recurring Bill Payments that fall on a day that is not a business day will be processed on the business day immediately preceding the scheduled Bill Payment date.
When you schedule a Bill Payment using Online Banking, you authorize us to withdraw the necessary funds from your Bill Payment Account. For Bill Payment requests that are made electronically or by check, we deduct the amount of your Bill Payment from your Bill Payment Account on the date we process your instruction. To help ensure that your Bill Payments arrive on time, you must schedule your electronic Bill Payments to be processed at least (2) business days before the payment due date and check payments at least seven (7) business days before. This generally allows sufficient time for the Payee to receive and post your Bill Payment. If you do not have sufficient funds in your Bill Payment Account when a Bill Payment request is made, we may in our discretion, refuse to process such Bill Payment or process such Bill Payment subject to the overdraft and non-sufficient fund provisions governing your Bill Payment Account. You are responsible for any non-sufficient funds and overdraft charges that apply if a Bill Payment is processed when there are insufficient funds in your Bill Payment Account.
When you add Payees to the Service, you must be sure to enter your account number and address as they appear on your payment stub or invoice.
Occasionally a Payee may choose not to participate in the Bill Payment services or may require additional information before accepting payments. We work with these Payees to encourage them to accept an electronic or check payment from us. If we are unsuccessful, or if we believe that the Payee cannot process payments in a timely manner, we may decline to make future payments to this Payee. In the unlikely event that this occurs, we will send you a notice. We may refuse to make payments to certain Payees (such as government agencies and Payees outside the United States).
Canceling Bill Payments
You may cancel a pending Bill Payment transaction. However, to do so, we must receive your instruction to cancel prior to the cut-off time on the date the transaction is scheduled to be processed. If we don’t receive your instruction to cancel a transaction before that time, we may process the transaction.
No Signature Required
When using the Bill Payment service, you agree that we, without prior notice to you, may debit your Bill Payment Account(s) to pay checks that you have not signed by hand or by a legally acceptable form of electronic signature (e.g., digital signature).
A stop-payment order must be given in the manner required by law, must be received in time to give us a reasonable opportunity to act on it, and must precisely identify the number, date and amount of the item, and the payee. We will honor a stop-payment request by the person who signed the particular item, and, by any other person, even though such other person did not sign the item, if such other person has an equal or greater right to withdraw from this account than the person who signed the item in question. A release of the stop order may be made by any person who is authorized to draw checks against the account. Any stop payment request initiated online using the Stop Check screen through Online Banking will be mailed a confirmation of the stop payment. The confirmation notice will be mailed to the account address in our files.
Right to Stop Payment and Procedure for Doing So
If you have instructed us to make regular preauthorized transfers out of your account, you may stop any of these payments. To stop a payment, call us at 414-874-2489 (Monday – Friday 8:30 a.m. to 6:00 p.m. and Saturday 8:30 a.m. to 2:00 p.m.) or write to:
Tri City National Bank
P.O. Box 44017
West Allis, WI 53214
Refer to our current fee schedule for charges.
Liability for Failure to Stop Payment of Preauthorized Transfer
We must receive your call or written request at least three (3) business days prior to the scheduled payment. If you call, please have the following information ready: your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer. If you call, we may require you to put your request in writing and deliver it to us within fourteen (14) days after you call. If you order us to stop one of these payments and have provided us with the information we need at least three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses or damages.
The "Contact Us" option allows you to make inquiries about your accounts, initiate maintenance (i.e. address changes), etc. over a secure line. However, monetary transactions initiated through "Contact Us" will not be honored.
Tri City National Bank does not charge a fee to access Online Banking. However, normal account and/or activity charges are applicable and you will be charged accordingly.
We reserve the right to assess fees for Online Banking in the future and if we do assess a fee you will be provided reasonable notice as required by law.
If your account is subject to receiving a monthly statement, all EFT transactions will be reported on it. If your account is subject to receiving a statement less frequently than monthly, then you will continue to receive your statement on that cycle, unless there are EFT transactions, in which case you will receive a monthly statement. In any case you will receive your statement at least quarterly.
Our Liability for Failure to Make Transfers
If you have given us all of the proper and timely instructions and have properly completed all fields to complete a transfer or bill payment, and 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 will be liable for your losses or damages as provided by law. However, there are some exceptions. We will NOT be liable, for instance:
- If, through no fault of ours, you do not have enough money in your account to make the transfer.
- If the transfer would result in your exceeding the credit limit on your line of credit, if you have one.
- If the transfer system was not working properly and you knew about the breakdown before you started the transfer.
- If circumstances beyond our control (such as fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken.
- If we have a reasonable basis for believing that unauthorized use of your account(s) has occurred or is occurring, if you are in default under this or any other Agreement with us, or if you or we have terminated or suspended your use of Online Banking.
- If your operating system is not properly installed or properly functioning.
- For errors or failures from any malfunctions of your browser, internet service provider, computer, computer virus or other problems relating to computer equipment you use with Online Banking, including, without limitation, your inability to access Online Banking or any part of Online Banking.
- If we receive inaccurate or incomplete information needed to complete a transaction.
- In the case of preauthorized transfers, we will not be liable where there is a breakdown of the system which would normally handle the transfer.
- If the funds in the account are subject to legal action preventing a transfer to or from your account.
- If we have terminated our Agreement with you.
There may be other exceptions provided by applicable law.
NOTWITHSTANDING ANY OTHER PROVISION IN THIS AGREEMENT, UNLESS OTHERWISE PROHIBITED BY LAW, OUR SOLE RESPONSIBILITY FOR AN ERROR BY US OR OUR THIRD PARTY PROVIDER IN TRANSFERRING FUNDS OR PAYING A BILL WILL BE TO CORRECT THE ERROR, BUT IN NO CASE WILL THE BANK BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES IN CONNECTION WITH OR IN ANY WAY RELATED TO INTERNET SERVICE
Account Information Disclosure
We will disclose information to third parties about your account or electronic fund transfers made to your account:
- Where necessary to complete a transfer or to investigate and resolve errors involving the transfer(s); or
- In order to verify the existence and condition of your account for a third party such as a credit bureau or merchant or other financial institution; or
- In order to comply with government agency or court orders; or
- If you give us your permission in a record or writing.
We may modify, suspend or terminate your privilege of using Online Banking and may withhold approval of any transaction, at any time, without prior notice to you. In the event we terminate Online Banking, we will try to notify you in advance but are not required to do so. You will be notified as soon as practicable.
You may terminate your access to Online Banking by notifying us in writing at:
Tri City National Bank
P.O. Box 44017
West Allis, WI 53214
Termination shall not affect the rights and obligations of the parties for transactions made with the Online Banking service before we have had a reasonable time to respond to your termination request.
If you have not logged into Online Banking within a six-month period of time, you may need to reenroll.
You understand that support and services relating to Online Banking are provided by third parties other than us, and you authorize us to contract with third parties to provide such support and service.
The terms of this Agreement may be changed by us from time to time by notice from us to you. We may also revoke your right to use electronic funds transfer services at any time. If we have notified you of a change in any term of this Agreement and you continue to use the Service after the effective date of the change, you have agreed to the new term(s).
This Agreement is intended to supplement and not to replace other Agreements between you and us relating to your accounts, including, without limitation, our Deposit Account Rules. In the event of a conflict between this Agreement and any other account rules and agreements that apply to your accounts, this Agreement shall govern and prevail.