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- 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. You must be 18 years of age or older to
apply.
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 6.0 or higher or
Netscape Navigator 7.0 or higher. Information is not stored on
your computer unless you download it.
Access to
Internet Banking is via our Website:
www.vintoncountybank.com or
www.rosscountybank.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. 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 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, HiFi, Rate Watchers, 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, Checking Plus, savings,
HiFi, Rate Watchers, installment loans, real estate loans, note
and commercial loans, and Personal Lines of Credit. These
transfers can be one-time or reoccurring.
Transfers
will be processed the next business day and 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:
- Vinton
County National Bank
P.O. Box 460
McArthur, OH 45651
By
Phone:
- 1-800-223-4031
or 740-596-2525
In
Person:
- 112
W. Main St., McArthur, OH
- 222
E. Main St., Chillicothe, OH
- 775
Western Avenue, Chillicothe, OH
- Junction
SR 160 and 689, Wilkesville, OH
- 18627 Main St., Laurelville, OH
- 15986 St. Rt. 56, Laurelville, OH
- 195 W. Main St., Tarlton, OH
Revised 6/2006 |
