FSB ONLINE AGREEMENT
This FSB Online Agreement ("Agreement")
governs your use of the online banking services offered by First Savings
Bank of Hegewisch. Your Bank Account, Access ID and use of FSB Online
are also governed by the Bank Account agreement defined below.
Additional information about FSB Online is available in our online FAQ
("Frequently Asked Questions").
Definitions
"Access ID" means the alphanumeric code by which you are identified as the holder of a Bank Account, and is required to use FSB Online.
"Agreement" means this FSB Online Agreement.
"Bank Account" means each Deposit Account and each Credit Account.
"Bank Account Agreement" means the Deposit Account Agreement and/or the Credit Account Agreement, as applicable.
"Business Day" means Monday through Friday excluding Federal Reserve Bank holidays.
"Computer" means, individually and collectively, a computer, computer software, related equipment, and any other Internet access device and software used to access FSB Online.
"Credit Account" means any credit account you may have with us.
"Credit Account Agreement" means the agreement, as modified from time to time, governing your Credit Account and provided to you in connection with the establishment of your Credit Account.
"Deposit Account" means any deposit account you may have with us.
"Deposit Account Agreement" means the agreement, as modified from time to time, governing your Deposit Account and provided to you in connection with the establishment of your Deposit Account.
"FSB Online" means the services described in this Agreement.
"PIN" means personal identification number, which is an alphanumeric code required to authorize electronic access to your Bank Account.
"You" and "your" mean the customer(s) who obtains FSB Online services from us under this Agreement.
"We," "us" and "our" mean First Savings Bank of Hegewisch.
Any terms that are not defined above or in other sections of this Agreement have the same meaning as they have in your Bank Account Agreement.
General
FSB Online enables you to perform the online banking transactions
described below using the Internet to access your Bank Account. With
your Access ID, PIN and a computer or other Internet-access device, you
can log onto FSB Online 24 hours a day, 7 days a week, except during
scheduled maintenance periods. Depending on the Internet-access device
that you use, the transactions you are able to perform may vary.
Through our partnership with a bill pay provider, you may also use your
Computer to receive and pay bills electronically through our separate
Bill Pay service. The Bill Pay terms and conditions are contained in a
separate agreement.
Deposit Account for FSB Online Access
In order to use FSB Online, you must have at least one Deposit Account
with us. You may also use FSB Online to access selected other Bank
Accounts over which you have signature or transaction authority. Please
call 1-888-777-0681 or visit a branch for more information on how to set
up access to your Bank Account using FSB Online.
FSB Online Transactions
You may use FSB Online to: (i) transfer funds between Deposit Accounts;
(ii) make a payment to a Credit Account by transferring funds from a
Deposit Account; (iii) obtain an advance by transferring funds from a
Credit Account to a Deposit Account; (iv) get balances and information
about recent Bank Account transactions; (v) receive notices from us; and
(vi) send us a message. We reserve the right to limit the frequency and
dollar amount of transfers from any Bank Account for security reasons.
These features of FSB Online are subject to the following terms:
1. Scheduling Transfers.
You may schedule a transfer between Bank Accounts to occur on the same
Business Day or any future Business Day. Transfer instructions must be
received by 3:00 PM Central Standard Time in order to occur on the same
Business Day. Transfer instructions received after that time will occur
on the next Business Day. You may also pre-authorize transfers that
recur on the same date and for the same amount each month ("recurring
transfers").
2. Limit on Electronic Transfers
from Savings or Money Market Deposit Accounts.
You may not use FSB Online to make a transfer from a savings or money
market Deposit Account to another Bank Account or to a third party if
you have already made 6 transfers or payments during the statement cycle
by check, by telephone (using our 24-Hour Teller Line), through FSB
Online, by ATM card, or through similar means. If your total transfers
or payments exceed 6, you may be required to pay a fee and to close your
savings or money market Deposit Account.
3. Canceling FSB Online Transfers or
Stopping Payment of a Check
You may use FSB Online to cancel a scheduled transfer if your request to
cancel is received by 3:00 PM Central Standard Time on the Business Day
before the Business Day on which the transfer is scheduled to be made. A
transfer scheduled for the same Business Day cannot be cancelled.
In addition, if you have told us in advance to make recurring transfers
out of your Bank Account, you can stop any one of the recurring
payments. Here's how:
Call us at 800-752-8382, send us an electronic message using FSB Online,
or write us at FSB Online Department, 13220 S. Baltimore Avenue,
Chicago, Illinois, 60633, in time for us to receive your request at
least 3 Business Days before the payment is scheduled to be made. If you
call, we may also require you to put your request in writing and get it
to us within 14 calendar days after you call.
If you instruct us to stop a recurring transfer 3 Business Days or more
before the transfer is scheduled, and we do not do so, we will be liable
for your losses or damages.
4. Preauthorized Transfers (Credits)
To Your Deposit Account.
If you have arranged to have direct deposits made to your account at
least once every 60 days from the same person or company, you can call
us at 800-752-8382 to find out whether or not the deposit has been made.
5. Using Electronic Messages to
Communicate with Us.
You agree to send any electronic message to us that contains non-public
information about you or a Bank Account only through the FSB Online
message service. You also agree to receive communications from us
electronically regarding a Bank Account. You are considered to have
received any electronic message from us when we post it on the FSB
Online service. Because we may not immediately receive electronic
messages that you have sent us, you agree not to rely on such messages
to send us urgent notices (such as reporting a lost or stolen Access ID
or PIN, or unauthorized transactions to a Bank Account). We are not
required to act on an electronic message sent by you until we actually
receive your email message and have a reasonable opportunity to act.
6. Use of Equipment or Software.
If you use equipment or software other than what we have indicated is
required to use FSB Online, you may not be able to perform all the
functions described above. You alone are responsible for any
communications or transaction failures or other errors that occur if you
use equipment or software other than those specified by us to access FSB
Online.
Authorization to Act on Instructions
Received Using Your Access ID and PIN
You authorize us to act on instructions received using your Access ID
and PIN, and you agree that the use of your Access ID and PIN will have
the same effect as your signature. We reserve the right to deny any FSB
Online transaction.
Safeguarding Your Access ID and PIN
Your are responsible for keeping your Access ID and PIN secure. If you
provide your Access ID and PIN to any other person, or leave your Access
ID or PIN in a location where they are accessible to another person, you
are authorizing that person to make transactions on your Bank Account(s)
using your Access ID and PIN. You are responsible for any such
transactions. We will not be liable for and will not reimburse you for
any losses that may occur as a result of authorized use of your Access
ID and PIN. (See also the section below titled "Your Liability for
Unauthorized FSB Online Transfers.")
Computer Requirements
You are responsible for the installation, maintenance and operation of
your Computer and any losses or delays caused by your Computer. We are
not responsible for any errors or failures caused by any malfunction of
your Computer, and we are not responsible for any computer virus or
related problems that may be associated with the use of FSB Online or
with your Computer.
In order to access FSB Online, your Computer must be capable of
operating an Internet browser that supports 128-bit encryption. The
following browsers are acceptable: version _ or higher of Microsoft
Internet Explorer version 5.5 or higher (with Secure Sockets Layer
support) or Netscape Communicator version 6.2 or higher.
You are responsible for all charges incurred in connecting to FSB Online
and for charges by any service provider that provides you with
connection to the Internet. We are not responsible for losses or delays
caused by your service provider(s) or by other failures beyond our
control.
Limit on Our Responsibility and
Liability
We will make reasonable efforts to ensure that FSB Online performs as
described in this Agreement. We are responsible only for FSB Online
instructions from you that we actually receive.
WE ARE NOT RESPONSIBLE FOR MALFUNCTIONS IN COMMUNICATIONS FACILITIES NOT
UNDER OUR CONTROL THAT MAY AFFECT THE ACCURACY OR TIMELINESS OF
COMMUNICATIONS BY YOU OR US.
WE ALSO ARE NOT RESPONSIBLE FOR ANY DIRECT, INDIRECT, SPECIAL,
INCIDENTAL OR CONSEQUENTIAL DAMAGES ARISING IN ANY WAY OUT OF YOUR USE
OF FSB ONLINE EXCEPT AS SPECIFICALLY PROVIDED IN THIS AGREEMENT.
WE MAKE NO EXPRESS OR IMPLIED WARRANTIES CONCERNING FSB ONLINE SERVICES,
INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT OF THIRD-PARTY
PROPRIETARY RIGHTS UNLESS DISCLAIMING SUCH WARRANTIES IS PROHIBITED BY
LAW.
Right to Receive Documentation of
Electronic Banking Transaction
You will get a monthly statement covering electronic activity in each
Bank Account. You will also get a reference number upon successful
completion of an FSB Online transfer, except for recurring FSB Online
transfers. A copy of any documentation provided to you which indicates
that an FSB Online transfer was made shall be admissible as evidence of
such transfer and shall constitute prima facie proof that the transfer
was made.
Our Liability if We Fail to Make FSB
Online Transfers
If we do not complete an FSB Online transfer on time or in the correct
amount, we will be liable for your losses or damages. However, there are
some exceptions. We will not be liable if:
- through no fault of ours, you do not have enough money available in your Payment Account and any related overdraft line of credit to make the transfer;
- through no fault of ours, a Bill Payment is not received by the Payee by the time it is due;
- we make a timely Bill Payment but the Payee does not credit your payment promptly after receipt;
- FSB Online or your Computer was not working properly and you knew or should have known about the breakdown when you started the transfer;
- circumstances beyond our control prevent us from making a transfer or payment, despite reasonable precautions that we have taken (such circumstances include, but are not limited to, telecommunication outages or interruptions, postal strikes, delays caused by Payees, fires and floods);
- the money in your Account is subject to legal process or other encumbrance restricting the transfer;
- you do not give proper, complete or correct instructions for the transfer, or you do not follow the procedures in this or any other agreement with us for requesting a transfer;
- the U.S. Postal Service causes a delay;
- your Access ID and/or PIN has been reported lost or stolen, or we have canceled your Access ID and/or PIN or your access to FSB Online; or
- we have reason to believe that you or someone else is using FSB Online for fraudulent or illegal purposes.
In addition, we will not in any
circumstances be liable for indirect, special, incidental or
consequential losses or damages.
There may be other exceptions stated in your Bank Account Agreement.
FSB Online Fees
Applicable fees are set forth in our Service Fee Schedule, which has
been provided to you separately. You may obtain a copy of our Service
Fee Schedule at any time by contacting us at 773-646-4200, by sending us
an electronic message using FSB Online, or by writing to us at: First
Savings Bank of Hegewisch, 13220 S Baltimore Ave, Chicago, IL 60633.
In Case of Errors or Questions About
Your Electronic Transfers
If you believe there has been an error related to an electronic
transfer, or you have a question about an electronic transfer, or you
think your statement or receipt is wrong or you need more information
about an electronic transfer listed on the statement or receipt, please
call us at 773-646-4200, or send us an electronic message using FSB
Online, or write to us as soon as you can at:
First Savings Bank of Hegewisch
13220 S Baltimore Ave
Chicago, IL 60633
We must hear from you no later than 60 calendar days after we sent you the FIRST statement on which the problem or error appeared.
- Tell us your name, Bank Account number and Access ID.
- Describe the error or the transfer you are unsure about, and clearly explain why you believe it is an error or why you need more information.
- Tell us the dollar amount of the suspected error.
- Provide a telephone number at which you can be reached in case we need any further information.
If you tell us orally, we may require
that you to send us your complaint or question in writing within 10
Business Days following the date you notified us orally.
We will tell you the results of our investigation within 10 Business
Days after we hear from you and will correct any error promptly. If we
need more time, however, we may take up to 45 calendar days to
investigate your complaint or question. If we decide to do this, we will
credit your account within 10 Business Days for the amount you think is
in error, so that you will have the use of the money during the time it
takes us to complete our investigation. However, if we asked you to put
your complaint or question in writing and we did not receive it within
10 Business Days, we do not have to credit your account.
If we decide that there was no error, we will send you a written
explanation within three Business Days after we finish our
investigation. You may ask for copies of the documents that we used in
our investigation, for which we may charge a reasonable fee.
Read your Bank Account Agreement(s) carefully for further information
about your liability for unauthorized electronic transactions.
Your Liability for Unauthorized FSB Online Transfers
Tell us AT ONCE if you believe your Access ID and/or PIN has been lost
or stolen, or may have been used without your permission. Telephoning us
is the best way of keeping your possible losses down. If you do not
notify us in time, you could lose all the money in your Bank Account
(plus all the funds available in any overdraft line of credit that is
accessible through your Bank Account).
If you tell us within 2 Business Days, you can lose no more than $50 if
someone used your Access ID or PIN without your permission to make an
FSB Online transfer not authorized by you.
If you do NOT tell us within 2 Business Days after you learn about the
loss or theft of your Access ID or PIN or about the unauthorized FSB
Online transfer, and if we can prove that we could have stopped the
unauthorized use of your Access ID or PIN or the unauthorized transfer
if you had told us, you could lose as much as $500.
If your Bank Account statement shows FSB Online transfers that you did
not make, 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 you 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 a hospital stay) kept you from
telling us, we will extend the time periods.
Disclosures To Others About You or Your Account
We will disclose information to affiliates and unaffiliated third
parties about your Deposit Accounts or the transfers you make: (i) where
it is necessary to complete an FSB Online transaction; (ii) for
verification of the existence and condition of your Deposit Account for
a third party, such as a consumer reporting agency or merchant; (iii) in
order to comply with government agency or court orders; (iv) if you give
us your written permission; or (v) as provided in our Privacy Policy. If
the Deposit Account is a joint Account, any owner of the Account may
give us authorization to disclose information about the joint Account.
Termination of the FSB Online Agreement
You or we may terminate this Agreement at any time. In addition, this
Agreement will terminate automatically if three months elapse during
which you never use your Access ID and PIN to log in to FSB Online.
If you wish to terminate your right to use FSB Online, you must notify
us in writing by sending an electronic message using FSB Online or by
mailing your notification to:
First Savings Bank of Hegewisch
13220 S Baltimore Ave
Chicago, IL 60633
If you terminate FSB Online, we will continue to make transfers and
other transactions you have previously authorized until such time as we
have had a reasonable opportunity to act upon your termination notice.
If your Bank Account is a joint account, we may act on a termination
notice received from any account holder to terminate FSB Online for that
Bank Account. In addition, we may terminate your right to use FSB Online
at any time without notice.
Because FSB Online is required in order to use our Bill Pay service,
your termination of FSB Online will also result in termination of your
Bill Pay service.
Amendments
We may amend or change the Agreement at any time. If the change
adversely affects you, such as by increasing FSB Online fees, increasing
your liability, reducing the types of transfers available through FSB
Online, or imposing stricter limits on the frequency or dollar amount of
FSB Online transactions, we will give you at least 21 calendar days
advance notice or other notice as required by applicable law.
Governing Law
This Agreement is governed by the federal laws of the United States of
America and by the laws of Illinois.
