Online Banking Terms and Conditions

Terms and Conditions

The use of Online Banking with Citizens State Bank requires that you agree to the terms and conditions of our Service Agreement. The agreement describes many of the features and services that Online Banking provides and how they work.

Services

You will not pay any service charges or fees to view your account information. If we ever change this policy, you will be notified and allowed to discontinue your service. Receiving Online Banking Disclosures and Notices.

All updates to the Service Agreement, as well as all disclosures, notices and other communications regarding Online Banking will be provided to you online. You can get a paper copy of any of these documents by calling us at 402-356-2601.

Please be assured that you will continue to receive all of the paper account statements and similar account material as always by mail.

1. General Description on Online Banking Agreement

A. What this agreement covers

• This agreement between you, the customer, and the bank governs the use of Online Banking services. These services permit Citizens State Bank customers to perform a number of banking functions on accounts linked to the service through use of a personal computer and other devices (i.e. mobile devices).

B. Accepting the Agreement

• When you use any of the Online Banking services described by the Agreement or authorize others to use them, you agree to the terms and conditions of the entire agreement.

C. Relation to other Agreements

• Your use of Online Banking services may also be affected by the agreements between us for your deposit and other linked accounts. When you link accounts to Online Banking services you do not change the agreements that you already have with us for that account. For example, when you use Online Banking services to transfer funds between accounts, you do so under the terms and conditions we gave you in the agreement and disclosure for that account. You should review those agreements for any applicable fees, for limitations on the number of transactions you can make and for other restrictions that might impact your use of an account with Online Banking.

2. Online Banking Services

Online Banking for Customers
You may use Online Banking to:

• Transfer funds between your linked Citizens State Bank accounts, including as a payment to a linked installment loan or mortgage, LOC.
• Transfer funds from your linked personal deposit account to any other of your personal accounts.
• View current balance information for your linked checking and savings accounts.
• Perform self-service account maintenance such as changing your Online ID and Online password.
• Some of the above services may not be available for some accounts.

3. Description of Online Banking Services

A. Transfers

Processing transfer requests

• Transfers can be made between your linked Citizens State Bank checking and savings accounts or as a payment from any of those accounts to a linked installment loan or mortgage, LOC.
• The completion of a transfer is subject to the availability of sufficient funds at the time of final processing. If you do not have enough available funds, you may incur a non-sufficient funds (NSF) fee. Please refer to the applicable account agreement and fee schedule for details.
• Transfers you submit from a deposit account (checking or savings) are immediately reflected in your balances for that account. Transfers entered before the cut-off time of 3:00 p.m. (Central Time) on a bank business day are processed on the same business day. Transfers entered after the cut-off time or on a non-bank business day are processed on the next bank business day.

Cut –off Times for Crediting of Transfers

• The crediting of funds depends on the type of account you are transferring to and the daily cut-off time. Online Banking transfers to deposit accounts are immediately reflected in the account balance online and at ATM’s. in order for transferred funds to be available to pay items that are processed against your account overnight (i.e. checks or direct debits) they must be entered before the cut-off time of 3:00 p.m. Central Time. To avoid possible NSF or overdraft fees, please be sure to make your transfers before the cut-off time.

B. Accounts linked to your Online Banking services

• When you first set up your Online ID, we will link all of your eligible accounts. If you want to limit the accounts linked or the activity level assigned to an account, please call us @ 402-356-2601 and one of our staff will discuss the available options to you.

4. Monthly Service Charges

A. Monthly Service Charges

• There is no monthly service charge for accessing your accounts with the Online Banking service.

B. Other Charges

• You should note that depending on how you access Online Banking, you might incur charges for:
  Normal account fees and service charges
  Any internet service provider fees
  Purchase of computer programs/software

Additionally, fees may be assessed for added self-service features available through Online Banking customer service, such as stop payments requests, check copy orders, account statement copy orders. Please consult your deposit account agreements to see if your accounts are subject to these fees.

NSF fees may also apply if you schedule payments or transfers and your available balance is not sufficient to process the transaction on the date scheduled.

C. Service Hours

• Online Banking services are available 365 days a year 24 hours a day, except during system maintenance and upgrades. When this occurs, a message will be displayed online when you sign on to Online Banking.

D. Business Days

• For Online Banking services, our business days are Monday through Friday, excluding bank holidays.

E. Joint Accounts

• When your Online Banking service is linked to one or more joint accounts, we may act on the verbal, written or electronic instructions of any authorized signer. Joint accounts using the same Online ID will be identified as one service.

F. Changes to Agreements

• Your Online Banking services remain in effect until they are terminated by you or the Citizens State Bank. You may cancel your service at any time by notifying us of your intent to cancel in writing, through Online Banking secure mail, or by calling us @ 402-356-2601. This cancellation applies to your Online Banking services, and does not terminate your Citizens State Bank accounts.
• We may terminate your participation in Online Banking service for any reason, including inactivity, at any time. We will try to notify you in advance, but we are not obliged to do so.

G. Cancellation

• Your Online Banking services ramain in effect until they are terminated by you or the Citizens State Bank. You may cancel your service at any time by notifying us of secure mail, or by calling us @402-456-2601. This cancellation applies to your Online Banking services, and does not terminate your Citizens State Bank accounts.
• We may terminate your participation in Online Banking service for any reason, including inactivity, at any time. We will try to notify you in advance, but we are not obliged to do so.

H. Transfers from Money Markets/Savings Accounts

• Federal regulations limit the number of preauthorized electronic fund transfers and telephone transfers- including Online Banking transactions- from money market deposits and savings accounts. You are limited to six (6) preauthorized electronic fund transfers, telephone transfers, checks and point of sale transactions per statement cycle. Of these six (6) transactions, you are limited to only three (3) transactions by check or point of sale. (For information on these accounts, see the applicable account agreement.). Each transfer or payment through the Online Banking services from your money market account is counted as one of the six (6) limited transfers you are permitted each statement period. We charge a fee for each transaction in excess of this limit and if it exceeds the limit three times we may close your account. Payments to your Citizens State Bank loans are counted toward this limit for money market accounts.

I. Contact by the Citizens State Bank

• No Citizens State Bank employee will contact you via email or phone, requesting your Online ID or Online password. If you are contacted by anyone requesting this information, please contact us immediately @402-356-2601.

J. Reporting Unauthorized Transactions

• Call us @ 402-356-2601 for any Online Banking customer service questions during our normal business hours. You may also write us @ P.O. Box 135 Carleton, NE 68326.

K. Disclosure of Account Information

• We will disclose information to third parties about your account or your transactions:
  To verify the existence and condition of your account for a third party, such as a credit bureau or merchant.
  To comply with a government agency or court orders, or at the request of a federal regulator.
  If you give us permission
  At our discretion
  On a closed account, if we reasonably believe you have mishandled it.
• For more information on our Privacy Policy for Consumers, you can view it under the Privacy tab on our website.

L. Account Statements

We report your Online Banking transactions on the monthly statements for your account. A description of each transaction, including the date and the amount of the transaction will appear on your statement.

M. Additional Provisions Applicable only to Consumer Deposit Accounts

• In case of errors or questions about your Electronic transactions send us a secure online email message or call us @ 402-356-2601 or write us @ Citizens State Bank P.O. Box 135 Carleton, NE 68326
• At ONCE if you think:
  Your statement or transaction record is wrong
  You need more information about a transaction listed on your statement
  An unauthorized person has discovered your Online Banking password
  Someone has transferred or may transfer money from your account without your permission
• We must hear from you no later than 60 days after we have sent your FIRST statement on which the error occurred.
• If you tell us verbally, we may require you to send us your complaint or question in writing or via e-mail within ten (10) bank business days (Online Banking customers may use secure online mail). When you contact us, please provide the following information:
  Your name and account number
  The date and dollar amount of the transaction in question
  The name and payee if the transaction in question is a payment
  The transaction number assigned by Online Banking if available
  A description of the transaction in question
• Please explain as clearly as you can why you believe there is an error or why you need more information.
• We will determine whether an error occurred within 10 business days after we first hear from you. We will promptly correct any error we have made. If we need more time, we may take up to 45 days to investigate your complaint or question. In this case, we will provisionally credit your account within 10 bank business days 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 or question in writing, and we do not receive your letter in 10 bank business days, we reserve the right not to provisionally credit your account.
• If we conclude there was an error, we will send you a written explanation within three (3) bank business days after we complete our investigation. You may request copies of the documents that we used in our investigation.

N. Limitation of Liability

• Tell us at once if you believe your Online Banking password has been compromised or if someone has transferred or may transfer money from your account without your permission. The best way to minimize your loss is to call us immediately @ 402-356-2601. The unauthorized use of your Online Banking services could cause you to lose all of your money in your accounts.
• You will have no liability for unauthorized transactions if you notify us within 60 days after the statement showing the transaction has been mailed to you. If you do not, you may not get back any of the money you lost from any unauthorized transaction that occurs after the close of the 60-day period, if we can show that we could have stopped the transaction if you had notified us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we may extend the time periods.
• When you give someone your Online Banking Id and password, you are authorizing that person to use your service, and you are responsible for all transaction that person performs while using your service. All transactions that person performs even those transactions you did not intend or want performed are authorized transaction. If you notify us that the person is no longer authorized, then only transactions that person performs after the time you notify us are considered unauthorized.
• Transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions.
• For your protection, sign off after every Online Banking session and close your browser to ensure confidentiality.

O. Our liability for failure to complete transactions

• If we do not complete a transaction 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. For instance, we will not be liable:
  If through no fault of ours, you do not have enough available funds in your account to cover the transaction transfer.
  If Online Banking services were not working properly, and you knew about the malfunction when you started the transaction or transfer.
  If circumstances beyond our control (such as fire, flood, tornado, etc…) prevented the transaction or transfer, despite reasonable precautions we have taken.
  If there are postal delays or processing delays by the payee
  There may be other exceptions not specifically mentioned

P. Electronic Disclosure and Consent

• You agree that we may provide you with all disclosures, notices and other communications about Online Banking, including Online Banking Agreement and any future amendments, in electronic form. We will provide all future notices by posting them on the Online Banking sign-in page for a period of at least 30 days. You may download or print the notices form your computer if you have the hardware and software below.
• At your request, we will provide you with a paper copy of any of the above documents without a fee.
• You have the right to withdraw this consent, but if you do, we will immediately terminate your participation in Online Banking. You may obtain copies of any document we provided electronically or withdraw your consent by calling us @ 402-356-2601.

Q. Your system requirements

• In order for you to access and retain records in connection with Online Banking, and transfers, your system must meet the following requirements:
  An IBM or Macintosh- compatible computer
  Internet access
  An internet browser

To print or download disclosures, you must have a printer connected to your PC or sufficient hard-drive space to save the disclosure.