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Thank
you for your interest in the Bank of Jackson
Hole Internet Banking and Bill Pay service.
This
Internet Banking and Bill Pay Service Agreement (“the
Agreement”) explains the terms and conditions
governing the use of basic Internet Banking
Services and Bill Pay Services offered by Bank
of Jackson Hole. All Internet Banking Services
offered by Bank of Jackson Hole (including, but
not limited to funds transfers and bill pay
services) will be referred to collectively as
“Internet Banking Services” in this Agreement.
By using any of the Internet Banking Services,
you agree to abide by the terms and conditions
of this Agreement as well as the Deposit Account
Terms and Conditions, a copy of which may be
accessed by calling your branch. All Internet
Banking Services offered by Bank of Jackson Hole
are governed by this Agreement, as well as
applicable Federal Regulatory disclosures and
the Deposit Account Terms and Conditions of Bank
of Jackson Hole.
Once you
have completely reviewed the information, click
“I Understand and Agree” to indicate your
agreement and to begin the process of internet
banking.
 
INTERNET BANKING AGREEMENT
I agree that my use of the Internet Banking
Services will confirm that I have completed and
reviewed this Agreement and applicable
disclosures, both of which Bank of Jackson Hole
may amend from time to time. My initial use of
any Internet Banking Service in connection with
my account(s) at Bank of Jackson Hole
constitutes my acceptance and agreement to be
legally bound by all of the terms and conditions
of the Agreement and of the Deposit Account
Terms and Conditions.
1.Internet Banking Services
I have the Checking and/or Savings account(s)
with you set forth on my application form. I
hereby request that you issue to me Login Codes
to be used in connection with such accounts as
described in the Agreement. I understand I may
use Internet Banking to (1) transfer funds
between accounts; (2) obtain available balances
on accounts; (3) obtain the current balances on
accounts; (4) obtain transaction history on
accounts and where applicable (5) pay bills
on-line. Internet Banking Services requires me
to have Internet access established.
2. Identification Number and
Password
I understand that my Password or PIN can be used
to expend funds from my account and that this
code must be safeguarded. I authorize Bank of
Jackson Hole and its agents to follow any
instructions transmitted by use of this code,
and I agree to be bound thereby. If accessing a
business or non-commercial account, I certify
that I am authorized to use the PIN or Password.
Bank of Jackson Hole is entitled to act upon
instructions received through any Internet
Banking Service under my PIN or Password without
inquiring into the identity of the person using
the PIN or Password. However, I agree that I
will not, under any circumstances, disclose my
PIN or Password to any person. I acknowledge
that no employee of Bank of Jackson Hole needs
or should ever ask for my PIN or Password. I am
liable for all transactions made or authorized
using my PIN or Password. Bank of Jackson Hole
has no responsibility for establishing the
identity of any person determining the validity
of any transaction received using my PIN or
Password. If I provide my PIN or Password to
anyone, I authorize any transactions carried out
by that person. Bank of Jackson Hole assumes all
transactions authorized by my PIN or Password
are legitimate. I hereby indemnify and release
Bank of Jackson Hole from any and all liability
and agree not to make any claim against Bank of
Jackson Hole or bring any action against Bank of
Jackson Hole in honoring or allowing any actions
or transactions where I have authorized the
person performing the action or transaction to
use my account or when I have provided my PIN or
Password to that person.
3. Liability for Unauthorized
Transactions
I agree to contact you at once if I believe the
Login Codes issued to me have been lost or
stolen. At any time, I may ask you to disable my
Access ID or Password and issue a new one to me.
I also agree that if my monthly statement shows
transactions which I did not make, and I do not
contact you within 60 days after the statement
was mailed to me, I risk the return of lost
funds. I understand that if I believe an
unauthorized transfer from any of my accounts
has occurred, I will contact you by writing,
calling or e-mailing you at:
Bank of Jackson Hole
990 West Broadway
P.O. Box 7000
Jackson, WY 83002
Phone: (307) 733-8064
Fax: (307) 733-0562
Email:
Contact Us
4. Business Accounts
If I
have a business account I am liable for all
transactions that occur on the account. As the
owner of the business account I authorize all
transactions made by any other persons. As the
owner of the business account I agree to be
liable for any other parties designated (by
being given the PIN or Password) to conduct
business on the account(s).
5.
Multiple Accounts
For multiple
accounts, each person on a multiple party
account will be liable for all transactions that
are made on that account. Each person on a
multiple party account authorizes all
transactions made by any other signer(s) on the
account(s). Each owner(s) on a multiple party
account(s) agrees to be liable for the actions
of the other owner(s) on the account. The
limitations of liability set forth in this
Agreement are subject to, and limited by any
state or federal law to the contrary.
6. Charges
I agree to pay the charges or transaction fees
which are charged by you for these services or
for services which may later be offered as such
fees or charges may be imposed or changed from
time to time. Further, I agree to pay all
telephone charges or fees incurred by me in
accessing Internet Banking Services.
Bill
Pay is Free to all. Fees are subject to change
7. Amendment of this Agreement
Bank of Jackson Hole has the right to modify or
terminate this Agreement or the Deposit Account
Terms and Conditions at any time. When making
changes, Bank of Jackson Hole will comply with
all legal notice requirements. Once this
Agreement is terminated Bank of Jackson Hole
will not allow any additional transactions on
the account, nor will additional Internet
Banking Services be permitted. If this Agreement
is modified, my continued use of the Account
will represent my acceptance of the changes.
8. Disclosure
I hereby acknowledge that I reviewed the
Internet Banking Disclosure & Agreement,
informing me of my rights under the Electronic
Funds Transfer Act.
Internet Banking Disclosure Statement
The purpose of this Disclosure Statement is to
inform you of certain rights that you have under
the Electronic Funds Transfer Act.
Please Note: In this statement, the words
"you" and "your" each refer to the person who
uses or is authorized to use Internet Banking
services. The words "we", "our" and "us" refer
to The Bank of Jackson Hole.
1. Internet Banking Services
You may access our Internet Banking service
using the personal Login Codes that we issue to
you and conduct the following transactions:
Transfer funds between:
-
Checking account(s)
-
Savings account(s)
Make payments to:
Obtain the available balance(s) in:
Obtain the current balance(s) in:
-
Checking account(s)
-
Savings account(s)
-
Loans
-
Certificates of
Deposit/IRAs
Obtain
transaction history from:
2.
Banking Services
Our Internet Banking Service is available 24
hours a day, 7 days a week. However, we only
process transactions and update information on
business days.
Our
Internet Banking transfer business days are
Monday through Friday, 7:00 p.m. MST. Transfers
made on weekends, holidays, scheduled in advance
or after 7:00 p.m. MST, will be processed on the
next business day.
Our Bill
Pay service business days are Monday through
Friday, 10:30 a.m. MST. Bill payments made on
weekends, holidays, scheduled in advance or
after 10:30 a.m. MST, will be processed on the
next business day.
3. Identification Number and Password
Access to Internet Banking may be made by
personal computer. Access requires the use of a
unique Login and Personal Identification Number
(collectively, the "Login Codes") assigned by
us. Your use of Internet Banking with the Login
Code authorized by us will be deemed by us to be
valid and authentic, and you agree that any
communications to us under your Login Code will
be given the same legal effect as written and
signed paper communications. You agree that
electronic copies of communications are valid
and you will not contest the validity of the
originals, absent proof of altered data or
tampering.
4. Lost or Stolen Login Codes
If you believe your Password or other means of
access have been lost or stolen or that someone
has used them without your authorization,
immediately change your Internet Banking
Password. This is done by accessing the Change
Password option. To change the Access ID you
will have to contact us immediately by writing,
calling or E-mailing us at:
Bank of Jackson Hole
990 West Broadway
P.O. Box 7000
Jackson, WY 83002
Phone: (307) 733-8064
Fax: (307) 733-0562
Email: Contact Us
Include
in the message your name, address, telephone
number and a brief description of the problem.
All E-mail requests will be answered by close of
the next business day.
5. Charges for Transactions
Bill
Pay is Free to all users. Fees are subject to
change.
We
reserve the right to change our fee schedule
from time to time and to charge your account, in
accordance with the fee schedule that will be
provided to you, prior to assessment.
6.
Record of Transaction
You will receive a monthly statement showing the
status of your account(s), transactions made
during the past month, and any charges, which we
may impose for such services or transactions.
7. Liability for Unauthorized
Transfers/Transactions
CONTACT THE BANK IMMEDIATELY if you believe your
Login Codes have been lost or stolen. Change
your password and contact us.
If you notify us of a loss, your liability for
unauthorized transfers or payments will be as
follows:
If you contact us within two business days of
the loss or your discovery of the loss, you can
lose no more than $50.00 if someone used your
Login Codes without your permission.
If someone used your Login Codes without your
permission, you could lose as much as $500 if
you do not contact us within two business days
after you learn of the loss and we can prove
that we could have prevented the loss if you had
contacted us.
If your monthly statement shows transfers or
payments that you did not make and you do not
contact us within 60 days after the statement
was mailed to you, you may not get back any
funds lost after the 60 days, if we can prove
that your contacting us would have prevented
those losses.
8. Your Liability
You agree to the terms of this Internet Banking
Disclosure and the schedule of fees that may be
imposed. You authorize us to deduct these fees
as accrued directly from your account balance.
You are liable for all transactions that you
authorize. If you have given someone your
Internet Banking Login Codes or other means of
access and want to terminate that person's
authority you must change your identification
number and password and make the Bank aware of
your intentions in writing. At any time, you may
ask us to disable your Access ID or Password and
issue you a new one.
9. Account Restrictions
Your name must appear in the legal title to make
transfers between accounts. You may not transfer
between accounts with legal or signature
restrictions. However, an account(s) may be
viewed if you are an authorized signer on the
account(s).
10. Limits on Internet Banking Transactions
All transactions performed through our Internet
Banking Service will be considered a
Pre-authorized Electronic Funds Transfer.
11. Our Liability for Failure to Complete
Payments or Transfers
If we fail to complete a transaction on time or
in the correct amount, when properly instructed
by you, we will be liable for damages caused by
our failure unless:
The account has been closed or is not in good
standing.
Your equipment or ours was not working properly
and the breakdown should have been apparent to
you when you attempted to conduct the
transaction.
You have not given us complete, correct or
current account numbers or other identifying
information so that we can properly credit your
account or otherwise complete the transaction.
You do not properly follow our instructions or
if you provide us with wrong or inaccurate
information or fail to correct or tell us about
any inaccuracy of which you are aware.
You do not instruct us soon enough for your
payment or transfer to be received and credited
by the time it's due.
The funds in the account from which a payment or
transfer is to be made is subject to legal
process or other claims restrict the
transaction.
Circumstances or persons beyond our control
prevent, delay, intercept or alter the
transaction, despite reasonable precautions that
we have taken.
There are insufficient funds in your account to
complete the transaction.
We have reason to believe that the transaction
requested is unauthorized.
The failure was caused by an act of God, fire,
or other catastrophe, or by an electrical or
computer failure or by other causes beyond our
control.
In any case, we shall only be liable for actual
proven damages if the failure to make the
transactions resulted from a bona fide error
despite our procedures to avoid such error.
12.
Change of Terms
We reserve the right to amend or terminate the
services offered from time to time and we will
notify you a minimum of 30 days prior to any
change by written notice to your last known
address.
13. Waiver of Agreement
Any waiver of any term of this Agreement by us
on occasion will not prevent us from asserting
our rights to these terms in the future.
14. Termination
We will disclose information about your account
or the transactions you make to third parties:
Where it is necessary to complete transactions.
To verify the existence and standing of your
account with us upon the request of a third
party, such as a credit bureau.
In accordance with your written permission.
In order to comply with court orders or
government or administrative agency summonses,
subpoenas, orders, examinations and escheat
reports.
And/or on receipt of certification from a
federal agency or department that a request for
information is in compliance with the Right to
Financial Privacy Act of 1978.
15. Our
Policy and Pricing Guide and Terms and
Conditions on Deposit Accounts are available at
our banking office upon request. |
