Internet
Banking
Terms and Conditions
Internet
Banking allows you to transfer funds among certain accounts you
have at this bank, review account activity and balances and
download account statements into personal financial software
over the Internet using a personal computer. You choose which
accounts you wish to view or access via our Internet Banking
Application. If user is under the age of 18, parent/guardian
must agree to be bound by the terms and conditions on their
behalf.
Use
of this product is governed by these Internet Banking - Terms
and Conditions, as well as Terms and Conditions governing your
other accounts at this bank. Please read these rules carefully
and retain them for your records. We have the right to change
these Terms and Conditions at any time, as permitted by law, by
notice mailed or emailed to you at the last known address we
have on file. In applying for Internet Banking, you agree to the
following Terms and Conditions:
Access
To
access our Internet Banking product, you must have 128-bit
encryption and either Microsoft Internet Explorer Version 4.02
or higher or Netscape Navigator 4.0 or higher. Information is
not stored on your computer unless you download it.
Access
to Internet Banking is via our website:
www.friendlybremenbank.com. The link to Internet Banking can be
found on the homepage.
Identification
Number and Password
Internet
banking is accessed by use of an identification number and
password which we assign to you. Anyone to whom you give your
identification number and password will have full access to your
accounts and account information even if you attempt to limit
that person’s authority. Therefore, you should treat your
identification number and password with the same amount of care
and secrecy with which you treat your sensitive financial
information, ATM PIN, and so forth. In addition, you agree
not to share your identification number and password with anyone
else. If you have given someone your password, you are liable
for all transactions conducted by that person, even without your
permission. If you have given someone your password and want to
terminate that person’s authority, you must change your
password to prevent further access by them.
If
you believe that your password has been stolen or used without
your authorization, notify us immediately at the phone number or
address below during normal business hours. You may email us at
our Website, but do not include any of your account numbers or
Social Security number; your name, address and a brief message
as to the problem is all we will need.
After
we receive your signed Internet Banking application, we will
issue an identification number and password to you by mail or in
person within 10 business days. Instructions which we receive
using your identification number and password over the Internet
will be treated as if they were your written instructions.
Your
access to Internet Banking will be blocked in the event that
your identification number and password are entered incorrectly
on five (5) consecutive attempts. If this happens, contact our
Customer Service Department.
The
Internet Banking system will log you off after 10 minutes of
inactivity.
Inquiries
You
may use Internet banking to check the balances and review the
activity in your accounts. The balance shown may not be your
actual available balance. It may include deposits still subject
to verification by us. The balance may also differ from your
book balances due to outstanding checks and other transactions
in process.
Transfers
You
can transfer funds from the following types of accounts:
checking, savings, money markets and your
Personal Line of Credit. A transfer from is treated as an
electronic transfer for service charge calculation purposes. You
can transfer funds to the following types of accounts: checking,
savings, money markets, installment loans, real
estate loans, note and commercial loans and Personal Lines of
Credit. These transfers can be one-time or reoccurring.
Express Transfers
will be processed the same business day if made before 6:00 p.m. and
will appear on your next
statement. You will receive a confirmation number for the
transaction at the time you do it. Any attempted transfer which
exceeds the available balance in the account will not be
processed.
Business
Days
Internet
Banking will be available 24 hours a day, seven days a week,
except for maintenance periods or at other times when reasons
beyond our control make it unavailable. However, we only process
transactions and update account information on business days.
Business day means Monday through Friday, except for bank
holidays. Transfers done after 6 p.m. will be processed one
business day later.
Fees
We
reserve the right to institute fees for Internet Banking in the
future and will notify you by mail or email at least 30 days
prior to any change.
Changes
and Terminations
You
may terminate your Internet Banking service or access to certain
accounts at any time by phoning, writing or telling us in
person. You agree to allow us up to 10 business days to process
the termination.
We
may terminate your access to Internet Banking at any time, in
whole or in part, for any reason without prior notice.
You
may change the accounts accessible to you by Internet Banking at
any time by phoning, writing us or in person. You agree to allow
us up to 10 business days to process the change.
How
to Contact Us
By
Mail:
- First
Bremen Bank
P.O. Box 105
Bremen, OH 43107
By
Phone:
- 1-800-542-5004
or 740-654-8400
In
Person:
- 119
Main St.
Bremen, OH 43107
- 521
E. Main St.
Lancaster, OH 43130
- 1971
W. Fair Ave.
Lancaster, OH 43130
-
6360 Prentiss School Dr.
Canal Winchester, OH 43110
-
700
Corylus Dr.
Pataskala, OH 43062
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