First National Bank
Personal  Online Banking Agreement And Disclaimer
120 North St.
Bellevue OH 44811
1-800-860-7340

This Personal  Online Banking Agreement (Agreement) contains the terms and conditions that govern your personal to information, accounts, internal transfers  and other online services.  You may use an Internet Service Provider to access Eligible Accounts, as defined in the Accessing Personal  Online Banking section of this Agreement. 

By using the First National Bank  (FNB) Personal  Online Banking service you agree to abide by the terms and conditions of this Agreement.

Terms and Conditions

Changes 

Except as otherwise required by law, rule, or regulations, FNB may change the terms and conditions of this Agreement at any time.  When changes are made to the Agreement they will be made at the Web site.  Changes will be effective the date the Web site is updated unless the law, rule, or regulation requires advanced notice, in which case the change will be effective in accordance with the law, rule, or regulation.  If changes result in an increase in service charges, FNB will provide customers thirty (30) calendar days notice of the change.

Customer Rights and Responsibilities

This Agreement does not supersede Corporate Resolutions, Signature Card Rules and Regulations, Account Disclosures, ACH Origination Agreement, Funds Transfer Agreement, or any other Agreements customer may have with FNB.  All Account Agreements and Rules now or hereafter governing customer accounts will remain in full force and effect after the execution of this Agreement. You shall access only accounts at FNB held for personal use.

Bank’s Liability

Except as specifically provided in this Agreement or where the law requires different standards, Customer agrees that neither FNB nor its service providers shall be responsible for any losses.  Losses include profits or data, property damage or bodily injury; whether caused by the equipment, software, FNB Internet access providers, online service providers, or an agent or subcontractor of any of the foregoing.  Nor shall FNB or the service providers be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the equipment, software, online services, Internet, or access thereof.

Customer Liability

Your liability for an unauthorized withdrawal, transfer, or series of related unauthorized withdrawals or transfers is detailed in the General Terms Section.

Access Codes

To use our online banking service, you must use the access codes we establish or provide for you.  Keep them confidential to prevent unauthorized use or loss to your accounts.  Anyone to whom you give your access codes will have full access to your accounts even if you attempt to limit that person’s authority.   Additionally, that person will have full access to any other of your accounts which are accessed by those access codes, even if those accounts are in your name with another person.  None of our employees or employee of our affiliates will contact you via phone or e-mail requesting your access codes.  If you are contacted by anyone requesting this information, please contact us immediately at our phone number shown in the top of the contract.

Protecting Your Personal Information

In addition to protecting your access codes, you should also take precautions to protect your personal identification information, such as your driver’s license, social security number or tax identification number.  This information by itself or together with account information may allow unauthorized access to your accounts.  You should treat personal information with the same level of care that you would for your account information.  You should also protect and secure all information and data stored in any personal computer or other equipment you use to access our online banking service.

Termination

 Unless otherwise required by applicable law, FNB may terminate this agreement and/or Customer access to any of the online services through the Internet, in whole or in part, at any time.  Termination does not relieve Customer of its responsibility for service charges accrued prior to termination.  Additionally, Customer must notify FNB ten (10) business days in advance of its’ intention to close an account in which Customer has access through Personal Online Banking.

NOTICES

UNLESS OTHERWISE REQUIRED BY APPLICABLE LAW, IN THE EVENT THAT FNB IS REQUIRED TO PROVIDE NOTICE OR OTHER COMMUNICATION TO CUSTOMER IN WRITING, SAID NOTICE OR COMMUNICATION MAY BE SENT TO CUSTOMER BY E-MAIL AT YOUR INTERNET ADDRESS AS REFLECTED IN OUR THEN CURRENT RECORDS.  SIGNING THE CONSENT TO THIS AGREEMENT ALSO PROVIDES YOUR CONSENT TO PROVIDE YOU WITH ELECTRONIC DISCLOSURES.

Disclosures

The circumstances under which we will disclose information about Customer accounts on your online services is set forth in our Privacy Notice.

Accessing Personal  Online Banking

Eligible Accounts

Each open and active FNB Personal  Checking, Savings, Certificate of Deposit or Loan account is eligible to be accessed through Personal Online Banking. 

Accounts   The term “Accounts” means any Demand Deposit, Savings, Certificate of Deposit or Loan Account at FNB held by a particular Customer, and that is listed on Personal Online Banking Application and/or Authorized Agent Forms. 

Deposit Account  The term “ Deposit Account” means Demand Deposit, Savings or Certificate of Deposit account at FNB which is used for personal  purposes.

Loan Account the term “Loan Account” means a loan or line of credit at FNB which was obtained for personal purposes.

Posting Of Transactions

Although Customer will have 24 hour access to the system, there are cut-off times for the posting of transactions.  Any internal transfer must be entered into the system by Customer  prior to 4:30 p.m. for the transfer to be posted on that same business day.  Any internal transfer entered into the system after 4:30 p.m. will be posted on the next business day

Stop Payments  Customer may initiate a stop payment on a single item or a range of items, and review the stop payment status.  FNB is only responsible for items stopped exactly as described and will exercise reasonable care and efforts to comply with the stop payment.  FNB shall not be liable should such item(s) be paid or cashed in any office on or prior to the date and time of the stop payment.  Customer must initiate a Stop payment by 4:30 PM for the stop payment to be placed that same business day.  Any items after 4:30 PM will be placed on the following business day. FNB shall provide Customer with written confirmation of Personal Online Banking initiated stop payment(s) via U.S. mail, at the address contained within the Personal Online Banking Application.  Personal Online Banking initiated stop payment(s) shall be deemed authorized, unless FNB receives written dispute from Customer prior to 14 calendar days after the initiation.  Written disputes should be mailed to:

First National Bank
Attention: Accounting Department
120 North St.
Bellevue, OH 44811

Customer understands that the stop payment is in effect for six months from the effective date hereof, and that Customer must make written renewals if it wishes to extend the stop payment(s) beyond the six month expiration

Maintenance Requests -   Customer may request additions or deletions to its’ accounts, Authorized Users, and Transfers by contacting the bank to request and complete a Personal Online Banking Maintenance form and returning the form to

First National Bank
Attention: Accounting Department
120 North St.
Bellevue, OH 44811

Log In

To access Customer’s Eligible Accounts, Customer  will be required to complete a Personal Online Banking Application.  Please print, sign, and return the application to a FNB branch or send it to the address provided in this section.  FNB will send Customer’s Authorized User(s) a letter in the mail with initial Access ID and Password.  Upon receiving the letter, Authorized Users will need to click the “Log On” button on the Personal Online Banking Web site to access Eligible Accounts.  Once the Access ID and Password are entered correctly, Authorized users will be prompted to change their Access ID and Password. Immediately following the changing of their password, Customer  Authorized users will be able to access Information or initiate Fund Transfer Requests.  Except as otherwise governing Customer’s accounts, customer is responsible for all transfers made using user password(s) even if Authorized User exceeds given authority.  Customer’s Authorized Users shall not make available a written record of user password(s) and will not otherwise disclose user password(s) to anyone not authorized to use them.  Customer’s failure to safeguard user password(s) may result in unauthorized uses, for which Customer  is fully liable.  Additional precautions to protect Customer  from unauthorized use includes Customer’s sole responsibility for log off procedures concerning Internet browsers, as well as Personal Online Banking.  Customer  will contact FNB IMMEDIATELY if it believes a breach of password(s) or Customer  information have been, or may have been used or accessed without Customer’s permission.  Customer  may call FNB at 1-800-860-7340 and ask for the supervisor in the accounting department.  For further protection, upon three unsuccessful attempts to log in, your access to the system will be revoked and you will need to contact the bank to have your access reestablished. 

Fees

All charges will be assessed in accordance with the Personal Online Banking Fee Schedule, and as amended from time to time with notice to Customer.  All service charges for Customer’s use of Personal  Online Banking are in addition to any normal service charges which apply to Customer’s accounts.  FNB reserves the right to service charge Customer’s accounts for all service charges.  Customer  shall be responsible for any deficiency. 
 

Web Site Privacy Statement

At First National Bank, the basis of each customer relationship, many of which span generations, is trust.  You have chosen to do business with First National Bank, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us.

We believe that your privacy should not be compromised.  At the same time, we want to offer you the array of financial produces and services you need to accomplish your financial goals.  We believe we can do both through the privacy outlined below.

Privacy Policies

We Do Not Sell Personal Information to Anyone.

We recognize and respect the privacy expectation of our customers and former customers and will disclose these principles of financial privacy to our customers on a regular basis.

Collection of Customer Information

We will collect, use and retain information about individual customers only where we believe it would be useful (an allowed by law) to administer business and to provide products, services and other opportunities to our customer.

Maintenance of Accurate Information

We will establish procedures to ensure that your financial information is accurate, current and complete, in keeping with reasonable commercial standards.  We will respond to requests to correct inaccurate information in a timely manner.

Limiting Employee Access to Information

Our privacy policy serves as a standard for all our employees for the collection, use, retention and security of all individual customer information.  Each First National Bank employee is required to follow our Code of Conduct Policy which states that all customer information is considered private and privileged, and is to be used solely on a “need to know” basis for the purpose of providing you with the finest service available.  We will take appropriate disciplinary measures where necessary to enforce employee privacy responsibilities.

Restrictions on the Disclosure of Account Information

We will not reveal specific information about customer and former customer accounts or other personably identifiable data to unaffiliated third parties for their independent use except for the exchange of information with reputable information reporting agencies to maximize accuracy and security of such information or in the performance of bona fide corporate due diligence, unless: 1) the information is provided to help complete a customer-initiated transaction; 2) the customer request it; 3) the disclosure is required by/or allowed by law (e.g. subpoena, investigation of fraudulent activity, etc.); 4) the customer has been informed about the possibility of disclosure for marketing or similar purposed through a prior communication and is given the opportunity to decline (i.e., “opt out”).

Maintaining Customer Privacy in Business Relationships with Third Parties

If personally identifiable customer information is provided to a third party, we will insist that the third party adhere to similar privacy principles that keep such information confidential.

Providing Privacy Information to Customers and Responding to Inquiries

We want our customers to understand our commitment to privacy in our use of customer information.  As a result of our commitment, we have developed these Privacy Principles which are made readily available to our customers.  Customers who have a question about the privacy of their customer information may call their First National Bank Representative.

For more information, contact the office nearest you.