First Mountain Bank
Online Banking Agreement and Disclosure
This Online Banking Agreement ("Agreement") for accessing your accounts via First Mountain Bank's online banking product, NetTeller, explains the terms and conditions governing the online banking services offered through First Mountain Bank (collectively, "Online Banking" or "NetTeller"). By using the online banking services, you agree to abide by the terms and conditions of this Agreement. This agreement will be governed by and interpreted in accordance with federal law and regulation, and to the extent there is no applicable federal law or regulation, by the laws of the State of California. The terms "our," "we," "us," "First Mountain Bank," and "Bank" refer to First Mountain Bank. "You" refers to each signer on an account. The term "bank business day" means Monday through Friday, excluding Federal and State of California holidays.
Online Banking can be used to access products and accounts made available by First Mountain Bank. Each of your accounts is also governed by the applicable account disclosure statement.
2. Online Banking Available Services
The following types of services are available any time, day or night, 7 days per week:
- Access up-to-date history on your accounts
- Check account balances
- Verify deposits and withdrawals
- Download account information using Quicken
- Transfer funds electronically between your accounts
- View images of paid checks and deposit slips
- Initiate Stop Payments
- Contact the Bank via email
- Initiate electronic payments through Bill Pay
3. Protecting your Account
Notify us at once if you believe another person has improperly obtained your First Mountain Bank NetTeller Identification Number (ID) or online password. Also notify us if someone has transferred or you think someone may transfer money from your account without permission, or if you suspect any fraudulent activity on your account. To notify us, call First Mountain Bank at 909-866-5861 or use our secure message system by logging into NetTeller and clicking on the Contact tab. Telephoning is the best way of keeping your possible losses at a minimum.
If your NetTeller ID and/or online password have been compromised and you tell us within two bank business days after learning of the loss or theft, you can lose no more than $50 if someone used your online password without your permission to access a First Mountain Bank account. If you do NOT tell us within two (2) bank business days after you learn of the loss or theft, and we could have stopped someone from taking money without your permission had you told us, you could lose as much as $500 of the disputed amount.
If your account statement shows withdrawals, transfers or purchases that you did not make or authorize, you must notify us at once. If you do not notify us within sixty (60) days after the account transaction detail information was transmitted or mailed to you, and we could have stopped someone from taking money if you had told us in time, you may not get back any money lost after the sixty (60) days. If there are extenuating circumstances that kept you from telling us, the time periods in this section may be extended.
It is extremely important that you take an active role in the prevention of any wrongful use of your account. If you find that your records do not agree with ours, you must immediately call First Mountain Bank at 909-866-5861.
Protect your NetTeller ID and online password – The User ID and password that are used to gain access to the online banking services should be kept confidential at all times. For your protection, we recommend that you change your password regularly. It is recommended that you memorize this password and do not write it down. You are responsible for keeping your ID, password, account numbers and other account data confidential. If you believe that your password may have been lost or stolen, or that someone has transferred or may transfer money from your account without permission, notify First Mountain Bank at once.
4. Accessing your First Mountain Bank Accounts Online
To access your account(s) through First Mountain Bank's NetTeller, you must have an eligible First Mountain Bank account, register with First Mountain Bank's Online Banking by completing, signing and delivering an application to us, and receive a NetTeller User ID and online password from us. You also need an internet connection and email address and a Web Browser that supports 128-bit SSL encryption. Microsoft Internet Explorer version 7.0 (or higher), Firefox version 3 (or higher), or Apple Safari version 4.0 (or higher) support this encryption.
There are currently no monthly or transaction fees for accessing your account(s) through First Mountain Bank's Online banking. However, fees, as described in the applicable Product, Terms and Conditions, or Schedule of Fees and Charges disclosures, may apply to services ordered online. Fees may be added in the future with the addition of new services. Fees may apply to the use of the electronic bill payment service known as Bill Pay.
Please note that your Internet Service Provider may assess fees.
5. Terms and Conditions
The first time you access your First Mountain Bank account(s) through First Mountain Bank's Online Banking confirms your agreement to be bound by all of the terms and conditions of this agreement and acknowledges your receipt and understanding of this disclosure.
A. Your Online Password
You will be assigned a twelve digit NetTeller Identification Number (ID) and given an initial online password that will give you access to your accounts through Online Banking. You will be required to change this password the first time you sign on. From the Option Tab you may select a substitute word or number to use as your NetTeller ID or you may continue to use the twelve digit number assigned to you. Your password can also be changed from the Option Tab whenever you like. We recommend that you change your Password regularly and do not use your telephone number or birth date as your password. You are authorizing First Mountain Bank to act on instructions received under your NetTeller ID and password. You are responsible for keeping your ID, password, account number(s) and other account data confidential at all times.
B. Our Liability
Except as specifically provided for in this Agreement or where the law requires a different standard, you agree that neither the Bank nor the Internet Service Provider shall be responsible for any loss, property damage or bodily injury, whether caused by the Bank, equipment, software, or Internet access providers or any agent or subcontractor of any of the foregoing. Nor shall the Bank or the Internet 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 or Internet browser or access software.
C. Changes to Fees or Other Terms
We reserve the right to change the fees or other terms described in this Agreement. However, when changes are made to any fees, we will notify you online, and we will send a notice to you at the address shown on our records. All notices will be sent at least thirty (30) days in advance of the effective date of the change, unless an immediate change is necessary to maintain the security of the system. If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with a written and electronic notice within thirty (30) days after the change. By continuing to use the accounts or services to which these changes relate, you are accepting the changes. Changes to fees applicable to specific accounts are governed by the applicable Account Disclosure Statement.
D. Other General Terms
In addition to this Agreement you agree to be bound by and will comply with the requirements of the applicable Account Disclosure Statement, the Bank's terms and conditions, the rules and regulations of any funds transfer system to which the Bank belongs, and all applicable State and Federal laws and regulations. The Bank also agrees to be bound by them.
The Bank reserves the right to terminate this Agreement and your access to First Mountain Bank's Online Banking in whole or in part, at any time, without prior notice.
If you do not access your accounts via First Mountain Bank's Online Banking for any continuous three (3) month period. The Bank will discontinue access until personal contact is made to an authorized agent of the Bank.
If you do not access your accounts via First Mountain Bank's Online Banking for any six (6) month period, the Bank will disconnect your service without notice.
You agree to be responsible for any telephone charges incurred from your Internet Service Provider for accessing your accounts through First Mountain Bank's Online Banking.
6. Error Reporting & Resolution
In case of errors or questions about your electronic transfers, telephone us at 909-866-5861 or write us at First Mountain Bank, P O Box 6868, Big Bear Lake, Ca. 92315, as soon as you can, if you think your statement or transaction receipt is wrong, or if you need more information about a transfer listed on the statement or online confirmation. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
- Tell us your name and account number.
- Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
- Tell us the dollar amount of the suspected error.
If you tell us verbally, we require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. However, if we need more time, we may take up to 45 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. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days we may not credit the account.
We will tell you the results within three business days after completing our investigation. 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.
7. Other Information
A. Balance Inquiries and Transfers
You may use the service to check the balance of your accounts and to transfer funds among your First Mountain Bank accounts. In order to initiate one of these transactions, you must first use your ID and password to obtain access to the online service. The balance shown on the screen may include deposits still subject to verification by us. The balance shown also may differ from your records because it may not include deposits in progress, outstanding checks, or other withdrawals or charges. A funds transfer request will not result in immediate funds availability because of the time required to process the files. The deadline for funds transfer requests is 6:00 p.m. Pacific Time for same bank business day availability. Any funds transfer request received after 6:00 p.m. Pacific Time will not be processed until the following bank business day. If there are insufficient available funds in an Account from which you are requesting a funds transfer, the transfer will not be initiated. For monetary transfer, the accounts must be registered on your online banking application.
All of your payments and funds transfers made through First Mountain Bank's Online Banking will appear on your periodic account statement(s).
We are not responsible for any loss, damage or injury resulting from an interruption in your electrical power or telephone service; the disconnecting of your telephone line by your local telephone company; or, from deficiencies in your line quality, or any defect or malfunction of your PC, modem, or telephone line. We are not responsible for any services relating to your PC other than those specified in this agreement. If any equipment failure occurs in any way relating to your PC, modem, or telephone line, First Mountain Bank is not responsible.
D. Business Days/Hours of Operation
Our business days are Monday through Friday, except Bank holidays. This online service is available 24 hours a day, seven days a week, except during maintenance periods for scheduling, modification, or for review of funds transfers and balance inquiries.
8. Protection of Information via Established Security Procedures
First Mountain Bank maintains security standards and procedures regarding unauthorized access to customer information that conform to industry practices. We update and test our technology to improve the protection of our customer information and to protect the integrity of our information. We also ask you to closely review your account and loan statements and contact us right away if you believe that someone has improperly accessed financial information about you.
10. Questions – Who to Contact
If you have questions about this or other First Mountain Bank agreements or disclosures, call First Mountain Bank at 909-866-5861. A First Mountain Bank Customer Service Representative will be glad to answer your questions.