What You Need to Know
Online Banking Agreement
IMPORTANT INFORMATION TO READ BEFORE YOU BEGIN!
This information explains your obligations under this Online Banking Service Agreement and provides guidelines for electronic access to your designated accounts. You should carefully read the following before accessing your accounts.
Authorization to Access Accounts
Online Banking is a service provided solely to Community State Bank customers. Online Banking does not permit you to make electronic transfers to third persons or authorize any other person to make deposits to or withdrawals from your accounts. Access is limited to you as an account holder and you are responsible for protecting your log in credentials (i.e. User Code, Password and Security Settings). Community State Bank requires that you change your password (PIN) upon first use. We strongly suggest you change your password on a regular basis to prevent any unauthorized access to your accounts.
Acceptance of Terms and Account Disclosures
You understand by using Online Banking services, you are agreeing to the terms and conditions of this Agreement and any disclosures listed. The terms and conditions of this Agreement are in addition to any deposit agreements, deposit account rules and regulations, schedule of services and disclosures for each of your accounts, as well as other agreements with us, including any loan agreements between you and us. All of the Bank’s regular rules, restrictions, fees and charges will apply to all transactions you initiate while connected to your accounts.
Electronic Communication Disclosure
By agreeing to the terms outlined within the Online Banking Agreement, you are authorizing Community State Bank to send you periodic electronic communications. These communications may contain advertisements for products and services offered by Community State Bank. If you do not wish to receive these types of communications, you can opt out by sending an email to email@example.com, calling (262) 878-3763 or by clicking the “Unsubscribe” link at the bottom of any of these types of communications.
Hardware and Software Requirements
To use Online Banking Services, you will need Internet access and a current Internet browser such as Google Chrome, Mozilla Firefox, Apple Safari or Microsoft Internet Explorer.
Be sure to keep current with third-party software updates (i.e. browser and operating system’s service packs or fix packs). You are responsible for selecting all systems, hardware, security products and Internet service provider. You agree that we are not responsible for any errors or failures from any malfunction outside of our control, including, but not limited to, power interruption, delay resulting from high volumes of Internet traffic, breach of security or message or transfer interception in transit, or any virus or other computer problem related to the use of Online Banking Services.
Compliance with Applicable Laws, Rules and Regulations
You agree not to use Online Banking Services in violation of any applicable laws, rules or regulations. You agree to indemnify, defend and hold us harmless from any action or inaction by you in violation of any provision of this paragraph. We may act (or refuse to act) at any time and from time to time in a manner deemed by us in good faith to be appropriate or required under any law, rule or regulation applicable to us, and you agree that we will not be liable for any harm suffered by you as a result of such action or inaction.
Limitation of Liability
Community State Bank is not responsible for any mistake or loss resulting from the disclosure of your User Code and Password. Any transaction performed through Online Banking by any person authorized to have access to your accounts is legally binding upon you to the same extent that such transaction could have been performed by you in person, by mail, telephone or other communication to the bank. In addition, Community State Bank is not responsible for transactions that occur between your accounts under the following examples:
- If, through no fault of our own, you do not have sufficient funds to complete the transfer.
- If your funds are subject to legal process or other restriction at any time prior to the transaction.
- If circumstances beyond our control prevent the accurate completion of your transaction.
TELL US AT ONCE if, for any reason, a banking transaction is not completed as expected. In the event you believe that there has been a mistake or if you have any questions concerning a transaction, contact us immediately at:
- Community State Bank, 1500 Main Street, Union Grove, WI 53182
- Telephone: (262) 878-3763
We will provide you with complete information concerning your rights and responsibilities for electronic transactions. If you believe there has been an unauthorized transfer from your accounts, you should follow the instructions you received at the time you opened your account. The Electronic Funds Transfer Disclosure is also listed below.
Electronic Statements (eStatements) Disclosure
This disclosure contains important information about Community State Bank’s online electronic statements (eStatements). You should read this disclosure carefully and keep a copy for your records.
The words “we,” “us” and “our” mean Community State Bank, and the words “you” and “your” mean you, as the owner or authorized signer on the Account(s) eligible for eStatements.
eStatements are offered for eligible deposit and loan accounts, allowing you to replace your mailed (paper) statement with an electronic version (PDF) that you can view, save to your computer or print at your convenience. eStatements look identical to the statements you receive in the mail.
Accessing Your eStatements
You must be enrolled in Online Banking to sign up for and view eStatements. You will need to ensure your computer software meets the requirements provided on the Website in order to view, print and/or save your account statement. You will receive a notice by email when your eStatement is available to retrieve.
By consenting to receive your account statements electronically, you are agreeing that Community State Bank may provide certain disclosures, periodic statements and notices in electronic form, in lieu of paper form, as required by applicable Federal and State statutes and regulations.
Disclosures or notices may be attached in an email, contained in the text of an email, within an eStatement or posted through Online Banking. By enrolling, you are also agreeing to check safekeeping. Check images will be available for viewing or printing through Online Banking.
Email Address Maintenance
It is your responsibility to notify us if you change your email address. You may update your email address by clicking on the “Preferences” tab in Online Banking and clicking on email “Edit” tab to make any necessary changes.
Review of eStatements
It is your responsibility to review your eStatement and notify us of any error or unauthorized transaction or if you need more information about a transaction on your statement. We must hear from you no later than 60 days after we deliver to you the first statement on which the error or concern appeared. If no reply is received within 60 days of delivery of your statement, the account(s) will be considered correct. Any applicable time periods shall begin on the eStatement notification date, not the date you access and/or review your eStatement.
You may withdraw your consent at any time by notifying us through Online Banking, in person, via telephone at (262) 878-3763 or mail at Community State Bank, 1500 Main Street, Union Grove WI 53182. Your withdrawal will become effective after your request is processed. We may treat an invalid email address as a withdrawal of your consent to receive eStatements and disclosures electronically. If you change your statement(s) and disclosures from electronic to paper, you will lose access to any statements previously delivered electronically. You may want to save your eStatements before making this change.
Electronic Funds Transfer (EFT) Disclosure
This Agreement applies to transactions conducted with an automated teller card (“Card”) issued to you at your request, which permits you to access through certain terminals (“terminals”) certain of your accounts established with us. This Agreement also applies to preauthorized electronic fund transfers to and from certain of your deposit accounts established with us. This Agreement applies to all persons that are party to the accounts. Every person who can use the accounts is responsible for the use of the Card. In this Agreement, the terms “you” and “your” refer to each party to the account, and the terms “us,” “we” and “our” refer to the Bank. Transactions and accounts governed by this Agreement are also subject to applicable federal and Wisconsin laws and regulations and any other rules or agreements governing or referring to the transactions or accounts, including, but not limited to, account agreements, debit card rules, funds availability rules, depository agreements and the Operating Rules of the National Automated Clearing House Association. Except as may be specifically indicated in this Agreement, in cases of inconsistency or conflict between the other rules or agreements and this Agreement, this Agreement shall control.
Authorized Use of Card and PIN
We will issue a personal identification number (“PIN”) to you for use in connection with the Card. You agree not to disclose the PIN to anyone other than authorized users of the Card. If anyone uses your Card or PIN with your permission, you will be responsible for any charges made to the account. You agree to safely keep the Card and PIN, not to record the PIN on the Card or otherwise disclose or make it available to anyone other than an authorized user, and to use the Card and PIN only at terminals that accept the Card and as instructed.
Tell us AT ONCE if you believe your Card or PIN has been lost or stolen or if you believe there have been unauthorized transfers to or from your account. Calling immediately is the best way of keeping your possible losses down. You can lose no more than $50 if someone used your Card and PIN without your permission, provided you notify the bank within 60 days of the date we mail a periodic statement of your account. If any other unauthorized transfer was made from your account and you do not tell us within 60 days of the date we mail a periodic statement to you, you may not get any money you lost after the 60 days if we show that we could have stopped someone from taking the money if you would have told us in time. You can lose no more than $50 for unauthorized transfers occurring within 60 days after the periodic statement was mailed to you. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time periods.
Address and Telephone Number
If you believe your Card or PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (262) 878-3763 or write Community State Bank, Attn: Deposit Operations at 1500 Main Street, Union Grove, WI 53182.
Business Day Disclosure
Our business days are Monday through Friday. The following holidays are not included as business days: all federal holidays. Transfers initiated on a business day will be processed on the same business day until the cutoff hour of 4:59 p.m. Transfers initiated after 4:59 p.m. on business days or on non-business days will be processed the next business day.
Goods and Services Purchased
If a merchant accepts the Card in payment of goods or services and you receive credit for goods returned or adjustments, the merchant will send us a credit slip. We will apply the credit slip as a credit to your account. We will not make cash refunds to you on purchases made with the Card. Unless your use of the Card results in a loan from us to you, you must raise any claim or defense with respect to goods or services purchased with your Card directly with the merchant who honored the Card.
As to any transaction which (a) involves a sale of goods or services that is paid for directly through a terminal; (b) involves a transfer of $50 or more from a deposit account; and (c) does not involve a check or draft, we shall, upon receipt within 10 business days of the transaction of written or oral notice from you, reverse the transaction and recredit your account.
Terminals and these services are available for your convenience, and we are not liable for the unavailability of or failure to operate all or any part of a terminal. You release us from liability for personal injury or property damage incurred by you in connection with use of the Card or any terminal and consequential damages incurred in connection with the use of a Card or terminal.
We may terminate your privilege of using the Card and may withhold approval of any transaction at any time. The privilege of using the Card by any of you may be terminated by anyone person who can use the accounts accessible with the Card. The Card is our property and shall be surrendered by you to us upon request and regardless of who terminates the Card privileges. Termination shall not affect the rights and obligations of the parties for transactions made with the Card before the privileges are terminated.
You may use your Card and PIN to accomplish the following transactions (some of these services may not be available at all terminals).
- Balance Inquiries
- Cash Withdrawals
- Transfer Between Accounts
Each withdrawal or transfer from an account is an order to us to pay from that account at that time, which we may charge against the account even though the charge creates an overdraft. The time required to charge or credit your account after you use your Card will depend on the location of the terminal and the type of transaction. If you overdraw your account, you agree to immediately pay us the overdrawn amount, together with any applicable fees. If the account is maintained in connection with an overdraft credit plan, any overdraft will be made in accordance with the agreement or rules governing that account rather than this Agreement.
Federal law limits the number of preauthorized and automatic transfers from this account to a maximum of six per calendar month. For money market accounts, transfers or withdrawals made by check, draft, debit card or similar order payable to third parties are included in the six preauthorized and automatic transfers. Preauthorized transfers include automatic transfers to another account or to a third party accomplished by written or oral agreement, computer payments, telephone instructions, or Automated Clearing House (ACH) at a predetermined time or on a regular or automatic basis.
Charge for Transfers
We will charge you for electronic fund transfers the fees, if any, identified in our current fee schedule accompanying this Agreement, as may be amended from time to time. A fee may also be imposed by a terminal/network operator if you initiate a transfer from a terminal that is not operated by us. You will be notified of any such fee when you use the terminal.
You can get a receipt at the time you make any transfer to or from your account using a terminal.
You will get a monthly account statement even if there are no transfers in a particular month.
If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at (262) 878-3763 to find out whether or not the deposit has been made.
Right to Stop Payment and Procedure for Doing So:
If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here's how: call us at (262) 878-3763 or write us at Community State Bank, Attn: Deposit Operations, 1500 Main Street, Union Grove, WI 53182, in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. We will charge your account for each stop payment ordered the fee disclosed in our current fee schedule accompanying this Agreement, as may be amended from time to time.
Liability for Failure to Stop Payment of Preauthorized Transfers:
If you order us to stop one of these payments three (3) business days or more before the transfer is scheduled and we do not do so, we will be liable for your losses or damages.
Our Liability for Failure to Make Transfers
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, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
- If, through no fault of ours, your account does not contain enough money to make the transfer
- If the money in your account is subject to legal process or other encumbrances restricting the transfer
- If the transfer would go over the credit limit on your overdraft credit plan, if any
- If the terminal where you are making the transfer does not have enough cash
- If the terminal or transfer system was not working properly and you knew about the breakdown when you started the transfer
- If circumstances beyond our control (such as fire or flood) prevent the transfer despite reasonable precautions that we have taken
- If incomplete or inaccurate information is forwarded by the U.S. Treasury or through an automated clearing house
- As otherwise indicated in this Agreement
Account Information Disclosure
We may amend this Agreement upon giving you such notice as may be required by law, effective upon the date indicated in the notice.
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS, telephone us at (262) 878-3763 or write us at : Community State Bank, Attn: Deposit Operations, 1500 Main Street, Union Grove, WI 53182, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared.
- Tell us your name and account number (if any).
- 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 orally, we may 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. If we need more time, however, 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 your account.
The 10-day periods in the preceding paragraph may be extended to 20 business days, if the error involves a transfer to or from the account within 30 days after the first deposit to the account was made.
If the error involves an electronic transfer from your account to buy goods or services direct from a merchant, a transfer initiated outside of the United States or a transfer that occurred within 30 days after the first deposit to the account was made, the 45-day time period to investigate your complaint or question will be 90 days in place of 45 days.
We will tell you the results within three (3) 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.
Specific Product Disclosures & Agreements
When you visit our Site, our web servers may place a small file called a “cookie” on your computer to collect information as described below. A cookie is an element of data that a website can send to your browser, which may then store it on your system. A cookie helps a website to recognize whether or not you have visited the website before, allowing the browser to provide your information back to the server on subsequent visits. A cookie does not retrieve any data from your hard drive, does not carry computer viruses, and does not reveal any of your personal information.
You may set your browser to disable or delete cookies, however, this may affect your ability to use certain Site features, including some of our products and services.
We use tools, such as cookies to gather analytics on Site usage. These tools gather non-personally identifiable information, such as the Site pages visited, the time and date you used the Site, the navigation path you used to find information and the name of your Internet Service Provider. In addition, we will collect technical information about your computer such as its screen resolution, operating system and browser. This information collected in aggregate gives us insight into how our Site is being used. It also allows us to make sure the Site runs well with the equipment being used by the majority of our visitors.
We may contract with third parties to assist us with gathering this information; however, these companies are prohibited from using the information they collect for their own purposes or from sharing this information with others.
ATM/Automated Teller Card Disclosure
In order to transfer funds into or out of your accounts using your ATM Card, it must be properly validated, and you must have a Personal Identification Number (PIN). The total amount of withdrawals may not exceed $500 per day, including both cash withdrawals and point-of-sale purchases. The card may be used at any ATM location accepting Accel, Cirrus and all other regional networks available to Accel users.
Debit Card Agreement and Disclosure Statement
(a) 24-hour Banking Card at ATMs: The ATM portion of your debit card may be used at designated ATMs for cash withdrawals, inquiries to account or deposits, and transfers just as you would use your ATM card described above. The debit card may also be used at certain merchant locations for purchases where point of sale is available. Simply enter your PIN (Personal Identification Number) to debit funds directly from your checking account or savings account. All fees and conditions apply.
(b) Debit Card: In addition to the uses described in (a) above, your Debit Card may be used for purchasing goods at any merchant displaying the MasterCard logo. Purchases made at merchant locations must come from your checking account.
(c) Limitations on Cash Withdrawal: You may not use your card for a transaction that would cause the outstanding balance of any designated account to be less than zero, unless the account has been previously linked to a Community State Bank overdraft protection service account. We are not required to complete a transaction which would overdraw your account; however, if we do, you agree to pay us any excess amount or improperly withdrawn or transferred amount immediately upon our request. We may stop or limit electronic transfers from your account at any time, if it is necessary to maintain or restore the security of the system or of your account.
The following limitations apply for your Community State Bank Debit Card:
- The cash withdrawal limit is $50 (offline) and $500 (online) per calendar day at any ATM.
- The Point of Sale (POS) limit for the debit card ranges from $200 (offline) to $2,500 or higher if approved by the bank (online) per day, not to exceed the available balance.
- The merchant may be required to obtain an authorization from us for any transaction over a certain dollar amount. The available balance in your primary account will be reduced by the amount of any transaction for which the merchant received authorization from us, even if the documentation evidencing the transaction has not yet been received or processed by us. When the document has cleared through us, any “hold” placed on your account for the amount of the transaction will be released, and your primary account will be debited for the amount of transaction. You agree that we are not responsible if we do not authorize or if we dishonor other POS, ATM or check transactions drawn on your primary checking account while such a hold is placed on your account.
(d) Each time you use your debit card:
- At any 24-hour ATM, you will receive a receipt upon request.
- At POS locations, you may receive an imprinted sales slip.
- Your monthly checking account statement will show all card transactions.
(e) If your Debit Card is lost or stolen: Immediately contact Community State Bank:
Dial Direct (Toll Free): (888) 958-1988
Dial Direct is an electronic method of access provided solely to Community State Bank customers’ using the telephone to make account inquires, transfer funds from one of your own accounts to another, make a loan payment from your deposit account to a loan account at Community State Bank. The system does not allow you to make electronic transfers to third persons or authorize any other person to make deposits or withdrawals from your accounts. Access is limited to you as an account holder, and you are responsible for the user code and password. Carefully protect your secure access at all times and change your password frequently.
Online Banking, the Community State Bank interactive website, provides internet banking 24/7 at www.csb.bank. Using this site, Community State Bank customers may access their own accounts, transfer funds between their accounts, make loan payments at Community State Bank and pay bills to third parties. All disclosures are posted on the site and must be reviewed and agreed to prior to use and activation. In addition, in order to utilize the Community State Bank Bill Pay System, customers must complete a Bill Pay Disclosure and Agreement form.
CSB SIMPLE Banking
Terms and Conditions for Community State Bank Simple Banking
Thank you for using the CSB Simple Banking (“Mobile Banking” or “Services”) and any related Software (“Software”) provided by Community State Bank (“Financial Institution” or "we" or "us") combined with your handheld's text messaging capabilities. By participating in the Services or using the Software, you are agreeing to the following terms and conditions, in addition to any terms and conditions to which you have previously agreed with respect to the underlying electronic banking and billpay services of which the Service is a part. Financial Institution in its discretion may modify these Terms and Conditions at any time by giving notice to you that the Terms and Conditions have been modified. Your continued use of the Services after such notification constitutes your acceptance of the modified Terms and Conditions. Standard messaging charges apply.
Terms and Conditions:
- Program: Financial Institution offers their customers mobile access to their account information (e.g., for checking balances and last transactions) over the Short Message Service (SMS), as well as the option to set up alerts for their accounts (e.g., low balance alerts). Enrollment requires identification of the user's banking relationship with Financial Institution as well as providing a mobile phone number. The mobile phone number's verification is done by the user receiving an SMS message with a verification code which they will have to enter on the website. Additionally, customers may select the type of alerts and other preferences which will determine, together with their account data, the frequency of alerts delivered to the customer. This program will be ongoing. Standard messaging charges apply. Customers will be allowed to opt out of this program at any time.
- Questions: You can contact us at www.csb.bank or 262-878-3763, or send an email to firstname.lastname@example.org. We can answer any questions you have about the program.
- To stop the program: To stop the messages from coming to your phone, you can opt out of the program via our Mobile App or Online Banking.
- The Services and/or Software may not be available at any time for any reason outside of the reasonable control of Financial Institution or any service provider.
Privacy and User Information: You acknowledge that in connection with your use of the Services, Financial Institution and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive and may share with one another names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with the Services or Software (collectively “User Information”). The Financial Institution and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver the Services and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you. The Financial Institution and its affiliates and service providers also reserve the right to monitor use of the Services and Software for purposes of verifying compliance with the law, these terms and conditions and any applicable license, but disclaim any obligation to monitor, filter, or edit any content.
Restrictions on Use: You agree not to use the Services and Software in or for any illegal, fraudulent, unauthorized or improper manner or purpose and will only be used in compliance with all applicable laws, rules and regulations, including all applicable state, federal, and international Internet, data, telecommunications, telemarketing, “spam,” and import/export laws and regulations, including the U.S. Export Administration Regulations. Without limiting the foregoing, you agree that you will not use the Services and Software to transmit or disseminate: (i) junk mail, spam, or unsolicited material to persons or entities that have not agreed to receive such material or to whom you do not otherwise have a legal right to send such material; (ii) material that infringes or violates any third party’s intellectual property rights, rights of publicity, privacy, or confidentiality, or the rights or legal obligations of any wireless service provider or any of its clients or subscribers; (iii) material or data, that is illegal, or material or data, as determined by Financial Institution (in its sole discretion), that is harassing, coercive, defamatory, libelous, abusive, threatening, obscene, or otherwise objectionable, materials that are harmful to minors or excessive in quantity, or materials the transmission of which could diminish or harm the reputation of Financial Institution or any third-party service provider involved in the provision of the Services; or (iv) material or data that is alcoholic beverage-related (e.g., beer, wine, or liquor), tobacco-related (e.g., cigarettes, cigars, pipes, chewing tobacco), guns or weapons-related (e.g., firearms, bullets), illegal drugs-related (e.g., marijuana, cocaine), pornographic-related (e.g., adult themes, sexual content), crime-related (e.g., organized crime, notorious characters), violence-related (e.g., violent games), death-related (e.g., funeral homes, mortuaries), hate-related (e.g. racist organizations), gambling-related (e.g., casinos, lotteries), specifically mentions any wireless carrier or copies or parodies the products or Services of any wireless carrier; (v) viruses, Trojan horses, worms, time bombs, cancelbots, or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data, or personal information; (vi) any material or information that is false, misleading, or inaccurate; (vii) any material that would expose Financial Institution, any third-party service provider involved in providing the Services, or any other third party to liability; or (viii) any signal or impulse that could cause electrical, magnetic, optical, or other technical harm to the equipment or facilities of Fiserv or any third party. You agree that you will not attempt to: (i) access any Software or Services for which your use has not been authorized; or (ii) use or attempt to use a third party’s account; or (iii) interfere in any manner the provision of the Services or Software, the security of the Services or Software, or other customers of the Services or Software, or otherwise abuse the Services or Software.
Your Responsibilities: You represent and agree to the following by enrolling for Mobile Banking or by using the Service: Account Ownership/Accurate Information: You represent that you are the legal owner of the Accounts and other financial information which may be accessed via Mobile Banking. You represent and agree that all information you provide to us in connection with Mobile Banking is accurate, current and complete, and that you have the right to provide such information to us for the purpose of using Mobile Banking. You agree not to misrepresent your identity or your account information. You agree to keep your account information up to date and accurate. You represent that you are an authorized user of the Device you will use to access Mobile Banking. User Security: You agree to take every precaution to ensure the safety, security and integrity of your account and transactions when using Mobile Banking. You agree not to leave your Device unattended while logged into Mobile Banking or processing a transaction and to log off immediately at the completion of each access by you. You agree not to provide your username, password or other access information to any unauthorized person. If you permit other persons to use your Device, login information, or other means to access Mobile Banking, you are responsible for any transactions they authorize and we will not be liable for any damages resulting to you. You agree not to use any personally identifiable information when creating shortcuts to your Account. We make no representation that any content or use of Mobile Banking is available for use in locations outside of the United States. Accessing Mobile Banking from locations outside of the United States is at your own risk. No Commercial Use or Re-Sale: You agree that the Service is only for the personal or business use of individuals authorized to access your account information. You agree not to make any commercial use of Mobile Banking or resell, lease, rent or distribute access to Mobile Banking. Indemnification: Unless caused by our intentional misconduct or gross negligence, you agree to indemnify, defend and hold harmless Community State Bank, its affiliates, officers, directors, employees, consultants, agents, service providers, and licensors from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys' fees) caused by or arising from (a) a third party claim, dispute, action, or allegation of infringement, misuse, or misappropriation based on information, data, files, or otherwise in connection with the Service; (b) your violation of any law or rights of a third party; or (c) your use, or use by a third party, of Mobile Banking. Termination: We may terminate or suspend the Services or any part of them, including Mobile Deposit (as defined below), or your use of any Services, immediately and at any time with or without notice to you. You may terminate your use of any of the Services at any time by giving notice to us. Your notice will not be effective until we receive your notice of termination and we have had a reasonable time within which to act upon it. This Service will be terminated after 90 days of inactivity. Notwithstanding any termination or suspension, your indemnification obligations as set forth in your agreements with us (including the Mobile Deposit Capture Agreement) will survive and remain in effect for a period of six years.
Disclaimer of Warranties: YOU AGREE YOUR USE OF THE SERVICES (INCLUDING MOBILE DEPOSIT CAPTURE) AND ALL INFORMATION AND CONTENT (INCLUDING THAT OF THIRD PARTIES) IS AT YOUR RISK AND IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE USE OF THE SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WE MAKE NO WARRANTY THAT THE SERVICES (i) WILL MEET YOUR REQUIREMENTS, (ii) WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE SERVICES WILL BE ACCURATE OR RELIABLE, AND (iv) ANY ERRORS IN THE SERVICES OR TECHNOLOGY WILL BE CORRECTED.
Limitation of Liability: YOU AGREE THAT TO THE EXTENT NOT PROHIBITED BY APPLICABLE LAW WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER LOSSES RESULTING FROM THE USE OR THE INABILITY TO USE THE SERVICES (INCLUDING MOBILE DEPOSIT CAPTURE) INCURRED BY YOU OR ANY THIRD PARTY ARISING FROM OR RELATED TO THE USE OF, INABILITY TO USE, OR THE TERMINATION OF THE USE OF THE SERVICES (INCLUDING MOBILE DEPOSIT CAPTURE), REGARDLESS OF THE FORM OF ACTION OR CLAIM (WHETHER CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE), EVEN IF WE HAVE BEEN INFORMED OF THE POSSIBILITY THEREOF.
Bank Rules, Regulations and Service Charges: Bank Rules, Regulations and Service Charges apply as disclosed in the Deposit Account Rules. Regulation E - Electronic Funds Transfer rules apply as disclosed in the "Electronic Funds Transfer Rules"
Your enrollment in Community State Bank’s Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Community State Bank account(s). Account Alerts and Additional Alerts must be managed and/or added online through the Service. We may add new alerts from time to time, or cancel old alerts. We usually notify you when we cancel alerts, but are not obligated to do so. Community State Bank reserves the right to terminate its alerts service at any time without prior notice to you.
Methods of Delivery
We may provide alerts through one or more channels (“endpoints”): (a) a mobile device, by text message, (b) a mobile device, by push notification; or by (c) an email account, by an e-mail message. You agree to receive alerts through these endpoints, and it is your responsibility to determine that each of the service providers for the endpoints described in (a) through (c) above supports the email, push notification, and text message alerts provided through the alerts service. Please be advised that text or data charges or rates may be imposed by your endpoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you alerts. If your email address or your mobile device's number changes, you are responsible for informing us of that change. Your alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number.
Alerts via Text Message
To stop alerts via text message, text "STOP" to 41952 at anytime. Alerts sent to your primary email address will be unaffected by this action. To restore alerts on your mobile phone, just visit the alerts tab in Community State Bank’s Online Banking. For help with SMS text alerts, text “HELP” to 41952. In case of questions please contact customer service at 262.878.3763. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.
Community State Bank provides alerts as a convenience to you for information purposes only. An alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside Community State Bank’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold Community State Bank, its directors, officers, employees, agents, and service providers liable for losses or damages, including attorneys' fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose.
As alerts delivered via SMS, email and push notifications are not encrypted, we will never include your passcode or full account number. You acknowledge and agree that alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your alerts will be able to view the contents of these messages.
Mobile Deposit Capture
Description: This section of the agreement contains the terms and conditions for the use of the remote deposit capture services (“Mobile Deposit”) between you and us (this section of the agreement is referred to as the "Agreement") (in this Agreement "us", "we" or "our" refers to Community State Bank and its service providers). Mobile Deposit is designed to allow you to make deposits to your checking, money market or savings accounts that you maintain with us (collectively, "Deposit Account") from your camera-enabled mobile device capable of capturing check images and information and electronically delivering the items and associated deposit information to us or our service provider ("Mobile Device").
Hardware and Software requirements: You must have a Mobile Device that is acceptable to us and a wireless plan from a compatible mobile wireless provider. You must also use the operation system(s) and software that satisfies all technical specifications and other requirements that we and/or our service providers establish and specify. We and/or our service providers may change these specifications and/or requirements from time to time. We are not responsible for any third-party software you may need to use Mobile Deposit and we are not responsible for any fees charged by a mobile carrier in connection with the use of Mobile Deposit. You agree that you will perform or cause to be performed by properly trained personnel, all vendor recommended maintenance, repairs, upgrades and replacements to the Mobile Device. Unless otherwise provided in this Agreement, you are solely responsible, at your own expense, for purchasing, installing, operating, testing and maintaining all hardware and software necessary to use Mobile Deposit. You must install and test your Mobile Device, your system, and any other required hardware and software before you make your first deposit through Mobile Deposit. You accept any such software “as is” and subject to the terms and conditions of the software agreement that you enter into directly with the third-party software provider at the time of download and installation. We are not responsible for, and you release us from, any and all claims or damages resulting from, or related to, any computer virus or related problems that may be associated with using Mobile Deposit, e-mail or the Internet. You agree that all images and files transmitted to us through Mobile Deposit will not contain any viruses or any other disabling features that may have an adverse impact on our network, data, or related systems.
Eligible items: You agree to scan and deposit only "checks" as that term is defined in Federal Reserve Regulation CC ("Reg. CC"). When the image of the check transmitted to us is converted to an image replacement document for subsequent presentment and collection, it shall thereafter be deemed an "item" within the meaning of Articles 3 and 4 of the Uniform Commercial Code. When used in this Agreement, the term "check" also refers to the image of the check and is considered an "item" as used in Articles 3 and 4 of the Uniform Commercial Code.
You agree that you will not scan and deposit any of the following types of checks or other items which shall be considered ineligible items:
- Checks payable to any person or entity other than you and a joint deposit account owner.
- Checks containing an alteration on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
- Checks payable jointly, unless deposited into an account in the name of all payees.
- Checks previously converted to a substitute check, as defined in Reg. CC.
- Checks drawn on a financial institution located outside the United States.
- Checks that are remotely created checks, as defined in Reg. CC.
- Checks not payable in United States currency.
- Checks dated more than 6 months prior to the date of deposit.
- Checks or items prohibited by our current procedures relating to Mobile Deposit or which are otherwise not acceptable under the terms of your account with us.
- Checks with any endorsement on the back other than that specified in this Agreement.
- Checks that have previously been submitted through Mobile Deposit or through a remote deposit capture service offered at any other financial institution.
- Checks that have been dishonored or returned to you unpaid for any reason.
- Checks or items that are drawn or otherwise issued by the U.S. Treasury Department.
Presenting Checks more than once: In addition to and not in lieu of the preceding paragraph, you agree that once you have used Mobile Deposit to deposit a check you will not present, or allow anyone to present, that original check or a substitute check of that original check again for deposit through Mobile Deposit or by any other means. If you or anyone else presents a check or substitute check for deposit more than once in violation of this Agreement, you agree to indemnify, defend and hold us harmless from and against all liability and damages that may result from any claims, suits or demands from third parties with respect to such check or substitute check. You agree that we may debit from your Deposit Account the aggregate amount of any checks that are deposited more than once. To the extent that funds in your Deposit Account are insufficient to cover such amount, we shall debit the deficiency amount from any other of your account(s) with us at our sole discretion.
User Warranties and Indemnification: You agree and warrant to us that:
a) You will only transmit eligible check or items.
b) You will not transmit duplicate checks or items.
c) You will not re-deposit or re-present the original check or item.
d) All information you provide to us is accurate and true.
e) You will comply with this Agreement and all applicable rules, laws and regulations.
f) You are not aware of any factor which may impair the collectability of the check or item.
g) You will not use Mobile Deposit for any illegal activity or transaction.
h) You will not use Mobile Deposit for any business purpose.
You agree to indemnify and hold harmless us from any loss, including our reasonable attorneys' fees, for breach of any of the foregoing warranties.
Deposit Limits: We reserve the right to establish and assign to you deposit limits for Mobile Deposit (including limits on the dollar amount and/or number of checks you may transmit through your Mobile Device each day or in any other period) and to modify such limits from time to time at our sole discretion, and you agree to comply with all such limits. If you attempt to initiate a deposit in excess of these limits, we may reject your deposit. If we permit you to make a deposit in excess of these limits, such deposit will still be subject to the terms of this Agreement, and we will not be obligated to allow such a deposit at other times. Our current daily deposit limit is $5,000.00 per day and a limit of $2,500.00 per item deposited.
Endorsements and Procedures: You agree to restrictively endorse any item transmitted through Mobile Deposit as “FOR MOBILE DEPOSIT ONLY” or as we may otherwise instruct you. You agree to follow any and all other procedures and instructions for use of Mobile Deposit as we may establish from time to time. Endorsements must be made on the back of the check within 1.5 inches from the top edge, although we may accept endorsements outside this space. Any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility.
Funds Availability: You agree that the images of checks transmitted using Mobile Deposit are not subject to the funds availability requirements of Federal Reserve Board Regulation CC. In general, if an image of an item you transmit through Mobile Deposit is received and accepted before 3:59 p.m. Central Time on a business day that we are open, we consider that day to be the day of your deposit. Otherwise, we will consider that the deposit was made on the next business day we are open. Funds deposited using Mobile Deposit will generally be made available in one to three business days from the day of deposit, although there may be delays in the availability of the funds and we are not responsible for any loss, costs or fees that you may incur as a result of any such delay. We may make such funds available sooner based on such factors as credit worthiness, the length and extent of your relationship with us, transaction and experience information, and such other factors as we, in our sole discretion, deem relevant.
Check Requirements (including image quality): The image of an item transmitted to us using Mobile Deposit must be legible and contain images of the front and back of the check. The image quality of the items must comply with the requirements established from time to time by the American National Standards Institute (“ANSI”), the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearing house or association and must be acceptable to us in our discretion. These requirements include, but are not limited to, ensuring the following information can clearly be read and understood by sight review of the check image: the amount of the check (both written and numeric); the payee; the signature of the drawer (maker); the date; check number; the information identifying the drawer and the paying financial institution that is preprinted on the check including the magnetic ink character recognition (“MICR”) line; and all other information placed on the check prior to the time of an image of the check is captured (such as any required identification written on the front of the check and any endorsements applied to the back of the check).
Rejection of Checks: We reserve the right to reject any image of a check transmitted through Mobile Deposit, at our discretion, without liability to you. We are not responsible for images of checks we do not receive or for images that are dropped during transmission. You acknowledge and agree that, while we normally provide notice of rejected deposits, we may reject any check transmitted through Mobile Deposit at our sole discretion without notice to you, and we will not be liable for any such rejection or failure to notify you of such rejection. If we reject a check for Mobile Deposit, you must physically deposit the original check. We are not liable for any service or late charges that may be imposed against you due to our rejection of any check that you transmit for deposit through Mobile Deposit.
Receipt of Deposits: You are solely responsible for verifying that images of checks that you deposit by using Mobile Deposit have been received and accepted for deposit by us. Our receipt of the image of the check does not mean that the transmission was error free, complete or will be considered a deposit and credited to your Deposit Account. You agree that all deposits received by us are subject to verification and final inspection and may be subsequently rejected by us in our sole discretion, and you shall be liable to us for any errors, inaccuracies, breach of warranties and any other loss sustained by, or claim made against us relating to such deposits. After we receive check images and all other required deposit information from you through Mobile Deposit, we shall provisionally credit your designated Deposit Account for the total amount of such check images, subject, however, to the Deposit Limits set forth in this Agreement. The provisional credit is subject to final payment of the checks and is also subject to your Deposit Account Agreement with us. We further reserve the right to charge back to your account at any time, any check or item that we subsequently determine was not an eligible check or item as defined in this Agreement or is otherwise subject to chargeback as described in the Deposit Account Agreement. You agree that we are not liable for any loss, costs, or fees you may incur as a result of our chargeback of an ineligible item. In all cases, you are responsible for any loss or overdraft plus any applicable fees to your account due to a check being returned.
Unpaid Checks: We will provide you with notice of any deposits that we are unable to process because the checks were returned unpaid by the payor financial institution. You agree to accept such notices at your address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that we credit your Deposit Account for a check that is subsequently dishonored and returned, you authorize us to debit the amount of such check plus any associated fees from your Deposit Account. To the extent that funds in your Deposit Account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with us at our sole discretion. Our right to charge your Deposit Account will apply without regard to whether the check was timely returned or whether there is any other claim or defense that the check was improperly returned. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check or a substitute check or ACH debit. As a result, if your check is returned unpaid, you will only receive a copy of the substitute check or image, or in the case of an ACH debit, the Automated Clearing House information. You agree to comply with any additional instructions we may provide to you in connection with returned checks.
Fees and Charges: We currently offer the benefits and convenience of Mobile Deposit to you for free. We reserve the right to charge fees for Mobile Deposit in the future upon any prior written notice to you that is required by applicable law. If we charge a fee in the future for Mobile Deposit, you authorize us to deduct any such fees from any of your Deposit Accounts with us. Other fees such as returned check fees will apply. Please refer to our Schedule of Fees for a list of such fees.
Your Authentication Method: You are liable for all transactions made or authorized with the use of your user name and password ("Authentication Method"). We have no responsibility for establishing the identity of any person who uses your Authentication Method. By accessing Mobile Deposit with your Authentication Method, you authorize us to complete the requested transaction(s) through Mobile Deposit. Any requests or instructions we receive from you through Mobile Deposit using your Authentication Method shall be considered “in writing” under all applicable law and shall have the same force and legal effect as writing signed by you. This includes, but is not limited to, inquires, deposit transactions, checks deposited, check images, changes to accounts or services or any other communication you provide us through Mobile Deposit using your Authentication Method.
Duty to Report Errors: We will provide you with periodic statements that will identify the deposits that you make through Mobile Deposit. In addition, you may access our Online Banking service for information about your deposits, return items, deposit adjustments, checks and other transactions on your account. You agree that it is your responsibility to review all such information that we make available to you in a timely manner to verify that deposits made through Mobile Deposit have been received and accepted by us and are accurate. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Deposit Account Rules. You may notify us by writing to Community State Bank, Attn: Deposit Operations, 1500 Main Street, Union Grove, WI 53182 or telephoning us at 262-878-3763. Subject to applicable law, any failure by you to notify us of any error, omission or other discrepancy within the time periods established in the Deposit Account Rules in accordance with this Agreement and your Deposit Account Rules shall relieve us of any liability for such error, omission or discrepancy.
Storage, Security and Destruction/Disposal of the Checks: After you receive confirmation that we have received an image of a check, you must securely store the original check for 14 days after transmission to us and make the original check accessible to us at our request. Upon our request from time to time, you will deliver to us within two business days, at your expense, the requested original check in your possession. If not provided in a timely manner, such amount will be reversed from your account. Promptly after the 14-day retention period expires, you must destroy the original check by first marking it “VOID” and then destroying it by shredding or another commercially acceptable means of destruction. After destruction of the original check, the image will be the sole evidence of the original check. You agree that you will never re-present the original check. You understand that you are responsible if anyone is asked to make a payment based on an original check that has already been paid.
Availability of Service/Contingency: In the event that you are unable to capture, balance, process, produce or transmit a file to us for any reason, including but not limited to, communications, equipment or software outages, interruptions, maintenance or failures, you may transport or mail the originals of all checks to the closest Bank location. The deposit of original checks at our office shall be governed by the terms and conditions of the Deposit Account Rules and not by the terms of this Agreement.
Problems in Transmission: By using Mobile Deposit you accept the risk that an image may be intercepted or misdirected during transmission. You understand that, while we and our service providers have established certain security procedures, such as firewalls, codes and data encryption designed to prevent unauthorized access to your accounts or transactions, there can be no assurance that Mobile Deposit will be completely secure. You also understand that access to Mobile Deposit will not be free from delays, malfunctions, or other inconveniences generally associated with the Internet. You agree that we are not responsible for any such unauthorized access, delays or malfunctions, and we are not responsible for the acts of third parties or for any delay or interruption in Mobile Deposit beyond our control. We bear no liability to you or others for any such intercepted or misdirected items or information disclosed through such errors or other problems in the course of transmission of the images.
Data Security: You agree to notify us immediately by telephone at 262-878-3763 and with written notice at Community State Bank, Attn: Deposit Operations, 1500 Main Street, Union Grove, WI 53182, if you learn of any loss or theft of any check. You also agree during the time your retained check is available to keep the check in a safe and secure location and to safeguard it. If warranted in our reasonable judgment, we may audit and monitor your safeguarding practices, and you agree to cooperate with us to permit such monitoring, to confirm that you have satisfied your obligations under this Agreement.
Cooperation with Investigations: You agree to cooperate with us in the investigation of unusual transactions, poor quality transmissions and resolution of customer claims, including by providing, upon request and without further cost, any originals or copies of item deposited through the Service in your possession and your records relating to such items and transmissions.
Termination of Mobile Deposit: We may suspend or terminate your use of Mobile Deposit at any time without notice to you. Even after we terminate the Agreement, your indemnification of us and our Disclaimer of Warranties and Limitations of Liability will continue to apply and will be in full force and effect.
Stop Payment Request
A Stop Payment Request may only be requested if a check has been issued for your payment and if the check has not cleared your account. If you desire to stop any payment that has already been processed, you must contact Customer Service. Although the Service will make every effort to accommodate your request, the Service may not have a reasonable opportunity to act on any stop payment request and will have no liability for failing to do so. The charge for each stop payment request will be the current charge for such service as set out in the applicable fee schedule in the agreement governing your accounts with us.
- A stop payment cannot be requested online if the payment was remitted to your Biller electronically. You should contact your Biller directly to request any payment refund. If you desire assistance with this process, you must contact Customer Service.
- A stop payment cannot be requested online if the payment was remitted to your Biller electronically and is a reoccurring payment. You should contact your Biller directly to request any future payments to be stopped. If you desire assistance with this process, you must contact Customer Service.
Electronic Check Conversion Checks
If we process your check that has been scanned by merchant and converted to an electronic item only, it will be covered under these rules for electronic funds transfers.
All general and specific disclosures, agreements and fees as presented earlier in this section apply. Also see “Community State Bank Fee Schedule.” Contact your nearest Community State Bank office for information on any of the above services.