Internet
Banking
Buckeye Internet Banking offers our customers
the fastest and most comprehensive opportunity to perform their banking
needs whenever, wherever, and however they want to. Buckeye Internet Banking's
features and functions are on-line and real-time and include:
| • |
Account
Information Inquiry |
| • |
Current
Transaction Listing |
| • |
Statement
Retrieval |
| • |
On-Line
Funds Transfers |
| • |
On-Line
Loan Payments |
| • |
Product
and Rate Information |
| • |
On-Line
Image Viewing (Coming Soon!) |
| • |
Transaction
Downloads |
| • |
E-Mail |
| • |
User
Security |
AGREEMENT
This agreement states the terms and conditions that apply when you use Buckeye
Community Bank's Internet Banking service. These terms and conditions are
in addition to those that apply to any accounts you have with us or any
other services you obtain from us. You must also follow all of our instructions
and procedures applicable to the services covered by this agreement.
In this agreement, the words "we", "us", and "our"
mean Buckeye Community Bank. The words "you" and "your"
mean each person who establishes an Internet Banking Customer Account with
us or who uses or is authorized to use an Internet Banking identification
number and password or other means of access we establish or approve. The
term "Internet Banking" means our service that allows you to make
payments, transfer funds, access accounts, obtain information and perform
other transactions over the Internet by use of a personal computer and modem
and/or other means we authorize or allow.
Identification Number and Password
To access our Internet Banking service, you must use the identification
number and/or other means of access we establish or provide for your Internet
Banking Customer Account, together with a password. Anyone to whom you give
your Internet Banking identification number and password or other means
of access will have full access to your accounts even if you attempt to
limit that person's authority.
Internet Funding Account
You may not designate any account that requires more than one signature
for withdrawals. You must be the owner of the account.
Internet Banking Transactions
You, or someone you have authorized by giving them your Internet Banking
identification number and password or other means of access (even if that
person exceeds your authority), can instruct us to perform the following
transactions:
| • |
Make
transfers between your qualifying accounts to the extent authorized |
| • |
Obtain
information that we make available about your qualifying accounts |
| • |
Obtain
other services or perform other transactions that we authorize |
Limits On Internet Banking Transactions
You must have enough available money or credit in any account from which
you instruct us to make a payment or transfer. If any of your qualifying
accounts are money market savings accounts, certain types of withdrawals
from those accounts, including payments and transfers are limited to a total
of no more than 6 in any specified period. The specified period for money
market accounts is the monthly statement period. The kinds of withdrawals
covered by this limitation are those made by means of preauthorized or automatic
transfers and payments or telephone agreement. A total of only 3 of these
kinds of withdrawals may be made by check, draft, debit card, or similar
order payable to third parties. You also agree to the "Terms &
Conditions of Your Deposit Account" that you received when you opened
your deposit account. You can request another one of these at the time you
fill out your Internet application.
Our Liability for Failure to Complete Payments and Transfers
If we do not complete a payment or transfer on time or in the correct amount
according to our agreement with you, we will be liable for your losses or
damages. However, there are exceptions. We will NOT be liable, for instance:
| 1. |
If,
through no fault of ours, you do not have enough available money in
the account from which a payment or transfer is to be made, or if
the account has been closed or is not in good standing, or if we reverse
a payment or transfer because of insufficient funds. |
| 2. |
Obtain
information that we make available about your qualifying accounts.
If any payment or transfer would go over the credit limit of any account. |
| 3. |
If
our equipment was not working properly and the breakdown should have
been apparent to you when you attempted to conduct the transaction. |
| 4. |
If
your equipment was not working properly. |
| 5. |
If
you have not given us complete, correct or current account number
or other identifying information so that we can properly credit your
account or otherwise complete the transaction. |
| 6. |
If
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. |
| 7. |
If
you do not instruct us soon enough for your payment or transfer to
be received and credited by the time it's due. |
| 8. |
If
the money in the account from which a payment or transfer is to be
made is subject to legal process or other claim restricts the transaction. |
| 9. |
If
circumstances or persons beyond our control prevent, delay, intercept
or alter the transaction, despite reasonable precautions that we have
taken. |
Business
Days
Our Internet Banking service is generally available 24 hours a day, 7
days a week. However, we only process transactions and update information
on business days. Our business days are Monday through Friday. Transfers
made after 4:00 p.m. will be processed on the next business day. Holidays
are not included.
Statements
Your Internet Banking payments and transfers will be indicated on the
monthly or quarterly statements we provide or make accessible to you.
You agree to notify us promptly if you change your address or if you believe
there are any errors or unauthorized transactions on any statement, or
statement information.
Your Liability
Each of you agrees, for yourself to the terms of this account & the
schedule of charges that may be imposed. You authorize us to deduct these
charges as accrued directly from the account balance. You are liable for
all transactions that you make or authorize, even if the person you authorize
exceeds your authority. If you have given someone your Internet Banking
number and password or other means of access and want to terminate that
person's authority you must change your identification number and password
or other means of access or take additional steps to prevent further access
by such person.
Unauthorized Transactions or Loss or Theft of your Buckeye Internet Banking
Identification Number or Password
If you believe your Internet Banking identification number or password
or other means of access have been lost or stolen or that someone has
used them without your authorization, call us immediately at 440/233-8800
during normal business hours, after hours you may e-mail us, or write
us at 105 Sheffield Center, Lorain, OH 44055. Quickly telephoning us is
the best way of reducing your possible losses. Not all e-mail may arrive
at their destinations. We will send e-mail back to you as confirmation
that we did receive it. Because the Internet is not secured from being
read by just anyone, do not include any of your account or social security
numbers with your e-mail. Your name, address, and a brief message as to
what the problem might be is all we will need.
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