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Online Banking/Bill Pay

At Payne County Bank, we are proud to offer online banking/bill pay services, FREE, to individuals and businesses with any PCB checking account. Our online banking services are safe, secure, and provide the technology to make banking a little more convenient.

Agreement

PAYNE COUNTY BANK INTERNET BANKING AGREEMENT ELECTRONIC FUND TRANSFERS DISCLOSURE
							
Welcome to PCB Internet Banking!

This document discusses the terms and conditions under which we operate our Internet Banking system.  Your application for use and continued use of the Internet Banking system indicate your consent to the terms and conditions outlined below.  You may print a copy of this agreement for your records, or refer to it online at any time.  We reserve the right to make changes to this disclosure, and its terms and conditions.
							
Electronic Mail (E-Mail) Communications

Electronic messages sent to us via the forms provided on the Internet Banking system are secure.  Communications sent over the public Internet are not necessarily secure.  Therefore, we will not send, and we strongly suggest that you do not send, confidential account information unless using the secure forms available on our Internet Banking system.  Emergency correspondence that requires immediate handling should always be made in person or by calling us at 405-547-2436.
												
Security and Protection of Your Account

To ensure only authenticated access to data, our Internet Banking service provider houses your account information behind multiple firewalls and three levels of server computers. You must have a valid customer number and password to access the system.  Multiple attempts using an incorrect I.D. or password will result in a lockout, which must be reset by the bank. By using the service, you agree: not to give your password to any other person; to never leave your account information displayed or available in an area accessible by others; never to leave your PC unattended while using the system; to always exit the system by clicking "Log Off" and immediately closing the browser window; to notify Payne County Bank immediately if you suspect that your Customer I.D. or password have become known by any unauthorized person.

Further, we recommend that you disable the "Auto Complete" function inside your browser.  Within Microsoft Internet Explorer, click on "Tools", then "Internet Options", then click on the "Content" tab, then click on the "AutoComplete" button.  Uncheck the box next to "User names and passwords".

Type of Transfers

You may access your accounts by computer using your password and your customer number to: transfer funds from checking to checking;  transfer funds from checking to savings or money market;  transfer funds from savings or money market to checking;  transfer funds from savings or money market to savings or money market;  make payments form checking to loan accounts with us;  make payments from savings or money market to loan accounts with us;  get information about checking, savings, money market account balances, deposits and withdrawals made within the last 90 days, and account balance of certificates of deposit and loans.  IF YOU DO NOT WISH TO HAVE THE ABILITY TO TRANSFER FUNDS BETWEEN YOUR PAYNE COUNTY BANK ACCOUNTS USING THE INTERNET BANKING SYSTEM, PLEASE CALL US AT 405-547-2436, AND WE WILL REMOVE THAT FUNCTION FROM YOUR SERVICE.

Limitations on Frequency of Transfers

Transfers from a savings or money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfers are limited to six per month with no more than three by check draft, debit card or similar order to third parties.
 
Periodic Statements

You will get a monthly account statement from us for your checking accounts.
You will get a monthly account statement from us for your savings accounts, unless there are no electronic transfers in a particular month.  In any case, you will get a statement at least quarterly.

Your Rights and Liabilities

Security of your transactions is important to us. Use of the Internet Banking services will therefore require a password. If you lose or forget your password, please call 405-547-2436 during normal business hours.  We will accept as authentic any instructions given to us through the use of your password. You agree to keep your password secret and to notify us immediately if your password is lost or stolen or if you believe someone else has discovered your password. You agree that if you give your password to someone else, you are authorizing them to act on your behalf, and we may accept any instructions they give us to make transfers or otherwise use the Internet Banking services. You may change your password at any time by using our Internet Banking system. We may be liable for certain security breaches to the extent required by applicable law and regulation. We do not assume any other liability or otherwise guarantee the security of information in transit to or from our facilities. Please note that we reserve the right to (1) monitor and/or record all communications and activity related to the Internet Banking services; and (2) require verification of all requested transfers in the manner we deem appropriate before making the transfer (which may include written verification by you). You agree that our records will be final and conclusive as to all questions concerning whether or not your password was used in connection with a particular transaction. If any unauthorized use of your password occurs you agree to (1) cooperate with us and appropriate law enforcement authorities in identifying and prosecuting the perpetrator; and (2) provide reasonable assistance requested by us in recovering any unauthorized transfer of funds. Notify us immediately if you believe your password has been lost or stolen. Telephoning is the best way to keep your possible losses down. You could lose all of the money in your account (plus your maximum line of credit). If you tell us within two (2) business days you can lose no more than $50.00. 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 told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any funds you lost after the 60 days if we can prove that we could have prevented someone from taking the funds if you had told us in time. 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 405-547-2436 during normal business hours.

WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL

Error Resolution Notice

In case of errors or questions about your electronic transfers call us at 405-547-2436 or write us at:  PO Box 579   Perkins, OK  74059.
Notify us immediately 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 first appeared.
1. Tell us your name and account number.
2. 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.
3. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (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 45 days (90 days for new accounts or point-of-sale or foreign-initiated transfers) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days for new accounts) for the amount you think is in error, so that you will have use of the 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 10 business days, we may not credit your account for 30 days after the first deposit is made. We will tell you the results within three 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.

Confidentiality

We may disclose information to third parties about your account or the transactions you make:
a. where it is necessary for completing transactions or resolving errors involving the Services; or
b. in order to verify the existence and condition of your account for a third party, such as a credit bureau or a merchant; or
c. in order to comply with government agency rules, court orders, or other applicable law; or
d. to our employees, service providers, auditors, collection agents, affiliated companies, or attorneys in the course of their duties and to the extent allowed by law;
e. or if you give us permission.

Limitation of Liability

Except as otherwise provided in this Agreement or by law, we are not responsible for any loss, injury, or damage, whether direct, indirect, special, or consequential, caused by the Internet Banking service or the use thereof or arising in any way out of the installation, operation, or maintenance of your PC equipment.

Waivers

No waiver of the terms of this Agreement will be effective, unless in writing and signed by an officer of this bank.

Assignment

You may not transfer or assign your rights or duties under this Agreement.

Governing Law

The laws of the State of Oklahoma shall govern this Agreement and all transactions hereunder. Customer acknowledges that he/she has reviewed this Customer Agreement, understands the terms and conditions set forth herein, and agrees to be bound hereby.

Indemnification

Customer, in consideration of being allowed access to the Internet Banking services, agrees to indemnify and hold the Bank harmless for any losses or damages to the Bank resulting from the use of the Internet Banking services, to the extent allowed by applicable law.

Payne County Bank
202 S. Main   PO Box 579
Perkins, OK  74059

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