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Security First Bank Consumer Online Banking Information Sheet, Access Agreement and Disclosures Welcome to Online Banking with Security First. This Online Banking Agreement and Disclosure (Agreement) discusses how you can use Online Banking (Service) to obtain information about your accounts, to transfer funds between your accounts, and to request certain other bank services. It also contains the terms and conditions governing the Service. This Agreement is a contract which establishes the rules which cover your electronic access to your accounts at Security First Bank ("Bank") through Security First Online ("System"). By using Security First Online, you accept all the terms and conditions of this Agreement. If you use Security First Online, you thereby indicate your consent to these terms. Please read and review it carefully. Security First Bank recommends you print this agreement for your records. The terms and conditions of the deposit agreements and disclosures for each of your Security First Bank accounts as well as your other agreements with Security First Bank, such as loans, continue to apply notwithstanding anything to the contrary in the Agreement. Users of Security First Online should always check the agreement for revision date to ensure they have reviewed the most recent version of this agreement. Security First Bank may modify our terms and conditions for use of this site at any time. Modifications will be summarized at the beginning of the document. This Agreement is also subject to applicable federal laws and the laws of the State of Nebraska (except to the extent this Agreement can and does vary such rules or laws). If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. The headings in this Agreement are for convenience or reference only and will not govern the interpretation of the provisions. Any waiver (express or implied) by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or subsequent default or breach. You may not assign this Agreement. This Agreement is binding upon your heirs and Security First Bank's successors and assigns. Certain of the obligations of the parties pursuant to this Agreement that by their nature would continue beyond the termination, cancellation or expiration of this Agreement shall survive termination, cancellation or expiration of this Agreement. This Agreement, together with the Enrollment Form and Fee Schedule, constitutes the entire agreement between you and Security First Bank with respect to the subject matter hereof and there are no understandings or agreements relative hereto which are not fully expressed herein. Definitions As used in this Agreement, the following words have the meanings given below.
Security and Protecting Your Account Security First Bank is strongly committed to protecting the security and confidentiality of our customer account information. Security First Bank uses state-of-the-art technology in the ongoing development of its Online Banking Service to ensure this security. We use several different methods to protect your account information:
Your Responsibility: You agree...
You understand the importance of your role in preventing misuse of your accounts through the System and you agree to promptly examine your paper or electronic statement for each of your Security First Bank accounts as soon as you receive it. You agree to protect the confidentiality of your account and account number, and your personal identification information, such as your driver's license number and Social Security Number. You understand that personal identification information by itself, or together with information related to your account, may allow unauthorized access to your account. Your Password and Access ID are intended to provide security against unauthorized entry and access to your accounts. Data transferred via the System is encrypted in an effort to provide transmission security and the System utilizes identification technology to verify that the sender and receiver of the System transmissions can be appropriately identified by each other. Notwithstanding our efforts to insure that the System is secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others. We cannot and do not warrant that all data transfers utilizing the Bank System, or e-mail transmitted to and from us, will not be monitored or read by others. ONLINE ACCESS Registration: Security First Bank account customers can register in person at any bank location or online, by selecting the "Accept" button at the end of this Agreement, indicating your acceptance to these terms and conditions. To register online, you must provide the following:
Note: If you don't have an Expressline Phone Banking PIN, please contact us at 1.877.747.3139(or your local institution at the About Us button). A Customer Service Representative will assist you in establishing your Access ID.
Access ID: You will be prompted to select an Access ID during your first online session through our online registration process. Your Access ID and Password identify and authenticate you to Security First Bank when you use Online Banking. Access ID numbers may only be obtained by customers who have existing accounts with Security First Bank. Your Password: For security purposes, you are required to change your password upon your initial login to Security First Online. You determine what Access ID and Password you will use and the identity of your Password is not communicated to us. You agree that we are authorized to act on instructions received under your Password. You accept responsibility for the confidentiality and security of your Password and agree to change your Password regularly. Upon three unsuccessful attempts to use your Password, your access to the System will be revoked. To re-establish your authorization to use the System, you must contact us to have your Password reset or to obtain a new temporary Password. We recommend that you create a Password using the following guidelines:
You can change your Password online at any time by selecting the Change Password option in our Options button. If necessary, passwords can also be reset by calling Online Banking Customer Service at 1.877.747.3139. However, any Password changed over the telephone will be "temporary" only, require an online reset at first use, and expire 30 days after issuance. Multi-Factor Authentication (MFA): For security purposes, you are required to input a valid e-mail address and answer three security challenge questions. This security information will help the bank verify your identity if you log in from unregistered computers. In addition to your Password, MFA will also assign you a picture and ask you to choose a passphrase, which you can use to verify the Security First Website during future online sessions. After enrollment you may change your picture and passphrase. ONLINE BANKING E-MAIL COMMUNICATIONS In general, communications sent over the public Internet are not necessarily secure. Therefore, we will not send, and we strongly suggest that you do not send, any confidential account information. We will not respond to account information related questions sent via Internet e-mail. Correspondence that requires expeditious handling - for example, if you need to report an unauthorized transaction from one of your accounts, or if you need to stop payment on a check you have issued, should be made by calling the Bank. The telephone number for customer service for your local branch is available by going to the About Us button. Unless you have instructed us otherwise, you agree that Security First Bank may send you electronic messages about other products or services we offer. You also agree that we may respond to any electronic message that you send us by electronic mail, such as responding to any claim of unauthorized electronic funds transfer. Any electronic message sent to you by the Bank shall be considered as if it were sent by U.S. Mail, postage prepaid, and shall be considered received within three days of the date sent by the Bank, regardless of whether you sign on to the Service within that time frame. SERVICE AVAILABILITY Online Banking with Security First Bank is available 365 days a year. However, it is necessary to interrupt the Service on a scheduled basis to perform periodic System and account maintenance. We will attempt to schedule these maintenance periods at a time most convenient to our customers. The times may vary somewhat be geographic region due to different time zones. During these periods, customers are notified of the maintenance activities by an informational screen that is displayed when attempting to access Online Banking. Security First Bank may, at our discretion, extend the maintenance periods outlined above as necessary to complete more extensive maintenance, System upgrades, or resolve Service problems. Fees and Charges
The System Online Banking - Types of Transfers You may access your accounts by computer at https://www.security1stbank.com// and using your User Code and Password to:
Posting of Transfers Transfers initiated through the System before 4:00 p.m. (Mountain Standard Time) on a business day are posted to your account the same day. Transfers completed after 4:00 p.m. (Mountain Standard Time) on a business day, Saturday, Sunday or banking holiday, will be posted on the next business day. The System identifies transfers based upon the Access ID of the user who made the electronic transfer. Accordingly, you understand and acknowledge that the View Postings screens in the Transfer menu options of the System will not reflect transfers made by multiple users from the same account if different Access IDs are used. You agree to communicate with any other persons with authorized access to your accounts concerning any transfers or bill payments from your accounts in order to avoid overdrafts. Overdrafts (Order or Payments, Transfers, and other Withdrawals) If your account has insufficient funds to perform all electronic fund transfers you have requested for a given business day, then:
Limits on Amounts and Frequency of System Transactions: The number of transfers from Bank accounts and the amounts which may be transferred are limited pursuant to the terms of the applicable deposit agreement and disclosure for those accounts. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires. Disclosure of Account Information and Transfers You understand information about your accounts or the transfers you make may automatically be disclosed to others. We will disclose information to third parties about your account or the transfers you make:
Periodic Statements: You will not receive a separate System statement. Transfers to and from your accounts using the System will appear on the respective periodic paper or electronic statements for your Bank accounts. You will get a monthly account statement from us for your checking account(s). You will get a monthly account statement from us for your savings account(s), unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly. Change in Terms: We may change any term of this Agreement at any time. If the change would result in increased fees for any System service, increased liability for you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice at least 30 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer System. We will post any required notice of the change in terms on the Bank System web site or forward it to you by e-mail or by postal mail. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic funds transfer System, we will notify you of the change in terms within 30 days after the change becomes effective. Your continued use of any or all of the subject System Services indicates your acceptance of the change in terms. We reserve the right to waive, reduce or reverse charges or fees in individual situations. You acknowledge and agree that changes to fees applicable to specific accounts are governed by the applicable deposit agreements and disclosures. In Case of Errors or Questions about Your Electronic Transfers Contact us as soon as you can, if you think your statement is wrong, or if you need more information about a transfer listed on your statement. We must hear from you no later than 60 days after we sent the FIRST statement upon which the problem or error appeared. When you contact us:
If you contact us by telephone or by e-mail, we may require that you send us your complaint or question in the form of paper writing by postal mail or fax within 10 business days. We will determine whether an error has occured within 10 business days (5 business days if the transfer involved a point-of-sale transaction and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complain or question. If we decide to do this, we will provisionally 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. If we ask you to put your complaint or question in writing and WE DO NOT receive it in the form of a paper writing within 10 business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. Our Liability for Failure to Make a Transfer: If we do not complete a transfer to or from your account on time or in the correct amount, according to our agreement with you when you have properly instructed us to do so, we will be liable to you for your losses or damages caused as a result. However, there are some exceptions. We will NOT be liable, for instance:
Your Liability for Unauthorized Transfers: CONTACT US AT ONCE if you believe your password has been lost, stolen, used without your authorization, or otherwise compromised or if someone has transferred or may transfer money from your accounts without your permission using information from your check. An immediate telephone call to us is the best way to reduce any possible losses. You could lose all the money in your accounts (plus your maximum overdraft line of credit, if any). I you contact us within 2 business days after you learn of the loss, theft, compromise, or unauthorized use of your password, you can lose no more than $50 if someone used your password without your permission. If you do NOT contact us within 2 business days after you learn of the loss, theft, compromise, or unauthorized use of your password, and we can prove we could have stopped someone from using your password to access your accounts without your permission if you had told us, you could lose as much as $500. Also, if your paper statement shows transfers that you did not make, contact us at once. If you do not tell us within 60 days after the paper statement was mailed to you, you may not get back any money you lost through transactions made after the 60 day time period if we can prove that we could have stopped someone from taking the money if you had told us in time. If your delay in notification was credited to extenuating circumstances, we may extend the times specified in the above paragraphs to a reasonable period. Disclaimer of Warranty and Limitation of Liability: We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the System Services provided to you under this Agreement. We do not and cannot warrant that the System will operation without errors or that any or all System Services will be available and operational at all times. Except as specifically provided in this Agreement, or otherwise require by law, you agree that our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products provided under this Agreement or by reason your use of or access to the System, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty. Further, in no event shall the liability of Security First Bank and its affiliates exceed the amounts paid by you for the services provided to you through the System. Your Right to Terminate: You may cancel your System service at any time by providing us with written notice by postal mail or fax. You access to the System will be suspended within 3 business days of our receipt of your instructions to cancel the service. You will remain responsible for all outstanding fees and charges incurred prior to the day of cancellation. Our Right to Terminate: You agree that we can terminate or limit your access to the System Services for any of the following reasons:
Communications between Security First Bank and You: If you believe your password has been used without your permission or a transfer has been made using information from you check without your permission, you can communicate with us in any one of the following ways: E-mail: You can contact us by e-mail. Please note that banking transactions through the System are not made via e-mail. Telephone: You can contact us by telephone at 1.877.747.3139, ask for Online Customer Service. Facsimile: You can contact us by fax at 605.721.4198, attention Online Customer Service Postal Mail: You can write to us at: Security First Bank Online Customer Service Representative 1540 Samco Road, Suite B Rapid City, SD 57702 In Person: You may visit us in person at any one of our locations. Consent to Electronic Delivery of Notices: By accepting this you agree to receive the Security First Bank Consumer Online Banking Information Sheet, Access Agreement and Disclosures in electronic form. If you do not agree to receive this document in electronic form or if you withdraw your consent to receive this document electronically, you will not be allowed access to Security First Bank's Online Banking Services. This document may be obtained in paper form without fee by simply printing this document. If any of your contact information including your phone number, mailing address or e-mail address, changes, please inform the Bank by using any of the contact methods detailed in the above section titled Communications between Security First Bank and You. Following are the minimum hardware and software requirements for accessing Security First Bank's Online Banking Services:
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