First National Bank & Trust Company of Rochelle
To access our First OnLine service, you must use your UserID and password. Keep your UserID and password confidential to prevent unauthorized use and loss to your accounts. Anyone to whom you give, or who otherwise obtains, your First OnLine UserID and password or other means of access will have full access to your accounts even if you attempt to limit that person’s authority.
To use the internet bill pay feature of your First OnLine Account, you must designate one or more qualified checking accounts with us as an “Internet Bill Pay Account”. You may not designate any account that requires more than one signature for withdrawals. You must be the owner of this account. If you would like bill payment features added to your First OnLine service, please contact one of our Personal Bankers. A review of your credit record with us and/or credit bureaus may be required.
In order to use the bill payment features of First OnLine, you must designate merchants that you want to pay. However, you are not permitted to designate any governmental agency or court unless we otherwise agree in writing. Also, we have the right to refuse to allow you to designate any particular merchant or class of merchants.
You will have to give us any account numbers or other identifying information that we or a merchant need so that your payments can be properly credited. If any account number or identifying information changes, or if you want to add merchants or other accounts with us, you must provide us with such changes.
You, or someone you have authorized by giving them your First OnLine Account UersID and password or other means of access (even if that person exceeds their authority), can instruct us to perform the following transactions:
Obtain other services or perform other transactions that we authorize.
You must have enough available money or credit in any account from which you instruct us to make a payment or transfer. For security reasons, we may, from time to time, implement limits on the number or amount of transactions you can make using our Internet Bill Pay service. If any of your qualifying accounts are money market deposit accounts or savings deposit accounts, certain types of withdrawals from those accounts, including payments and transfers, are limited to a total of no more than 6 in any monthly statement period. The kinds of withdrawals covered by this limitation are those made by means of preauthorized or automatic transfers and payments or telephone agreement, order or instruction. No withdrawals payable to third parties may be made from a savings account.
There will be no charge for the basic features of First OnLine, including transfers between First National Bank of Rochelle accounts that may be set up for this service.
WHEN INTERNET BILL PAY PAYMENTS AND TRANSFERS ARE MADE
Payments and transfers are not final at the time we receive your instructions, but we will begin to process them promptly. You should allow at least 6 business days for merchants to receive your payments. We will send them electronically, by mail, or by some other means.
Each payment or transfer will be posted to the accounts with us that are involved in the transaction. Transfers will be completed on the transfer date if completed before 6:00 pm. Transfers after 6:00 pm will be posted the following day. Bill payments will usually be charged to your internet bill payment account two business days after the transmit date. Each payment or transfer you initiate on a non-business day will be considered initiated on the following business day.
Information you obtain about your accounts using our First OnLine service may not reflect transactions that have not yet been posted to your accounts. You should keep that in mind when you perform or attempt to perform any transactions on the basis of such information.
If circumstances or persons beyond our control prevent, delay, intercept, or alter the transaction, despite reasonable precautions that we have taken.
Our First OnLine service is generally available 24 hours a day, 7 days a week. However, our business days are Monday through Friday. Holidays are not included.Any regular system maintenance is generally done on Sunday morning between 1:00 am and 6:00 am. This may require the internet banking system be down for short periods of time.
If you want to stop or change individual payments or transfers or preauthorized recurring payments or transfers you have instructed us to make, you must notify us before we have started processing the transaction. The normal way to do this is for you to access the appropriate function in our First OnLine service on the day before the business day the payment or transfer is scheduled to be made, and either delete it or make the change. You may also call us at 1-800-570-8506 or (815) 562-5571 or write to us at First National Bank of Rochelle, P.O. Box 49, Rochelle, Illinois, 61068. If you call or write, you must do this in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing on paper and get it to us within 14 days after you call.
If you order us to stop a preauthorized recurring payment or transfer as described above, and we do not do so, we will be liable for your losses or damages.
Your First OnLine payments and transfers will be shown on the monthly statements we provide or make accessible to you for your First OnLine Accounts. Your Internet Bill Payment account(s) will be included with these statements. We may also provide or make accessible to you statement information electronically or by some other means. You agree to notify us promptly if you change your address or if you believe there are any errors or unauthorized transactions on any statement, or statement information.
You agree to notify us promptly if you receive notice from a merchant or other institution that a payment or transfer you made through our Internet Bill Pay service has not been completed or remains unpaid.
If you use our Internet Bill Pay service to perform a transaction in a foreign country, the transaction may be in a foreign currency. We will post the transaction in U.S. dollars based on the exchange rate in effect on the day we settle the transaction. The currency exchange rate may be different on that day than on the day you scheduled or performed the transaction or the day we processed the transaction. There may be special currency exchange charges. This may result in your account being posted for a greater or lesser amount than the original amount of the transaction.
DISCLOSURE OF INFORMATION TO OTHERS
We will disclose information to third parties about your Internet Bill Pay and other accounts and payments with us ONLY:
In response to a request from any bank or other company that is affiliated with us.
You are responsible for all transactions that you or any of you make or authorize, even if the person you authorize exceeds their authority. If you have given someone your First OnLine UserID and password or other means of access, you have then authorized that person to access your First OnLine accounts. If you want to terminate that person’s authority, you must notify us that transactions by such a person are no longer authorized. We may have to change your UserID and password or other means of access or take additional steps to prevent further access by such person.
If you believe your First OnLine customer UserID and password or other means of access have been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50.00 if someone used them without your authority.
If you do NOT tell us within 2 business days after you learn of the loss or theft of your First OnLine UserID and password or other means of access, and we can prove that we could have stopped someone from using them without your authority if you had told us, you could lose as much as $500.00.
Also, if your statement shows payments or transfers covered by this agreement that you did not make or authorize, 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 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 hospital stay) kept you from telling us, we will extend the time periods.
If we complete a payment or transfer that you make or authorize and we subsequently learn that you have insufficient funds for the transaction, you agree that we may reverse the transaction or offset the shortage with funds from any account you have with us. In any case, you are fully obligated to us to provide sufficient funds for any payments or transfers you make or authorize.
UNAUTHORIZED TRANSACTIONS OR LOSS OR THEFT OF YOUR INTERNET BILL PAY CUSTOMER IDENTIFICATION NUMBER OR PASSWORD
If you believe your First OnLine UserID or password or other means of access has been lost or stolen or that someone has used them without your authorization, call us at (800) 570-8506 or (815) 562-5571 during regular business hours or write to us at First National Bank of Rochelle, P.O. Box 49, Rochelle, Illinois, 61068. Quickly telephoning us is the best way of reducing your possible losses. DO NOT use a general E-mail service or other electronic means of notifying us.
IN CASE OF ERRORS OR QUESTIONS ABOUT TRANSACTIONS COVERED BY THIS AGREEMENT
Call us at (800) 570-8506 or (815) 562-5571 as soon as you can, if you think your statement is wrong or if you need more information about a transfer or payment covered by this agreement which is listed on the statement. You may also write to us at The First National Bank of Rochelle, P.O. Box 49, Rochelle, Illinois, 61068. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation.
You may ask for copies of the documents that we used in our investigation.
We have the right to terminate this agreement at any time. We will ordinarily send you notice of any termination, but we are not required to do so unless applicable law requires such notice. Once we terminate this agreement, no further transfers or payments will be made, including but not limited to any payments or transfers scheduled in advance or any preauthorized recurring payments or transfers.
We also have the right to make changes in this agreement at any time. We will comply with any notice requirements under applicable law for such changes. If applicable law does not specify any notice requirements for the change, we will decide what kind of notice (if any) we will give you and the method of providing any such notice.
You may also terminate this agreement at any time by notifying us in a signed paper writing. However any instructions from you to make payments or transfers will continue in effect until we have received such written notice of termination and have had a reasonable opportunity to act upon it. Once we have acted upon your notice, no further transfers or payments will be made, including but not limited to any payments or transfers scheduled in advance or any preauthorized recurring payments or transfers. Any such termination by you applies only to our First OnLine service and does not terminate any other accounts or services you may have with us.
The provisions of this “Joint Accounts” section apply if your First OnLine Accounts with us are joint accounts. Each of you is jointly and severally obligated under this agreement. Each of you acting alone may perform transactions, obtain information, stop or change payments or transfers, terminate this agreement or otherwise transact business, take actions or perform under this agreement. We are not required to obtain the consent of, or notify, any other of you. However, each of you will only be permitted to access accounts for which you are an owner or authorized user.
Each of you individually releases us from any liability and agrees not to make any claim or bring any action against us for honoring or allowing any actions or transactions where the person performing the action or transaction is one of you or is otherwise authorized to use your First OnLine Account. Each of you agrees to indemnify us and hold us harmless from and against any and all liability (including but not limited to reasonable attorney fees) arising from any such claims or actions.
Except as otherwise provided in this agreement, all notices required to be sent to you will be effective when we mail or deliver them to the last known address that we have for you in our records or when we make such notices available to you through our Internet banking services or at the last known e-mail address that we have for you in our records. Notice to one joint account owner or Internet Bill Pay customer will be effective for all of you. You agree that we may send or provide by electronic communication any notice, communication, or disclosure required to be provided orally or in writing to you.
Notices from you to us will be effective upon our receipt of such notices. You agree to provide prompt written paper confirmation of any verbal notice or communication which this agreement permits you to make to us. You may not give notice to us through electronic means.
Regardless of where you live or work or where you access our First OnLine service, this agreement is subject to the laws of the State of Illinois and the laws of the United States of America. If any of the terms of this agreement cannot be legally enforced, they will be considered changed to the extent necessary to comply with applicable law.