The following terms and
conditions apply to Your use of the Online Banking services provided by Forest Park
National Bank & Trust Company. Forest Park National Bank & Trust Co.
reserves the right to modify these terms and conditions at any time,
effective upon notice to You. Your use of the Online Banking services following
receipt of such notice constitutes Your agreement to any modifications of these
terms and conditions.
1. Access.
Access to the Online Banking
services is available via the Internet. You must use Your personal computer
and Internet access to sign on to the Online Banking services using your
user name and password. You agree not to disclose your user name and
password to any person not authorized to access your Access Accounts via the
Online Banking services. You agree to notify Forest Park National Bank & Trust Co.
immediately if You become aware that someone has knowledge of Your user name
and password.
2. Equipment.
You are responsible for
obtaining, installing, maintaining and operating all computer hardware and
software, and an appropriate access to the Internet as necessary for
accessing and using the Online Banking services. Forest Park National Bank & Trust Co.
will not be responsible for any errors or failures resulting from the
malfunction or failure of your hardware or software or Internet Service
Provider. To use the Online Banking services, You must have access to a
personal computer with Internet access and a Netscape browser (version 4.7
or greater) or a Microsoft Internet Explorer browser (version 5.5 or
greater).
3. Online Banking Services.
Through Online Banking, You may
use your personal computer and Internet access to perform the following transactions:
(a) Balance Inquiries. You may check the
current and available balance and other account information on all of Your Forest Park
National Bank & Trust Co. deposit and loan accounts.
(b) Balance Transfers: You may perform funds transfers between any two of
Your Forest Park National Bank & Trust Co. deposit and loan accounts.
(c) Download Files: You may download your accounts transaction files for use
with the following money management software products: Intuit Quicken® and
Microsoft Money®.
(d) Online Bill Payment: If You activate Online Bill Payment, You may direct
Forest Park National Bank & Trust Co. to make payments from your Charge
Account to creditors or other payees that You designate.
(e) Customer Service. You may communicate with the Forest Park National
Bank & Trust Co. by using your personal computer to send and receive written messages
electronically. You can also contact our 24x7 online banking support
line at 1-877-287-7895.
4. Balance Transfers.
All funds transfers that You perform between Your Transfer Accounts are subject
to the following rules and regulations:
(a) You must be the signer of both Transfer Accounts involved in a transfer.
However, Forest Park National Bank & Trust Co. may, at its discretion,
accept an authorization when You are the owner of a joint account receiving
credit and are also a signer on a joint account being charged.
(b) Forest Park National Bank & Trust Co.
shall have no duty to verify the identity of a person using Your valid user
name and password to transfer funds.
(c) You may initiate a transfer
request at any time provided all systems are operational. The transfer will
be posted on a business day during regular processing hours.
(d) Forest Park National Bank & Trust Co. may discontinue this service at any time.
(e) You agree to notify Forest Park National Bank & Trust Co.
immediately if You become aware that someone has knowledge of Your user name
and password.
(f) Federal Regulations limit
preauthorized, automatic telephone/internet and other transfers from savings and
money market accounts to a total of six (6) per month. For money market
accounts, three (3) of the six (6) may be checks.
(g) Transfers are subject to
all of the terms and conditions of the electronic funds transfers as stated
in the Forest Park National Bank & Trust Co. Electronic Fund Transfers -
Your Rights and Responsibilities Disclosure.
5. Damages Limitations.
In no event shall Forest Park National Bank & Trust Co.
have any liability for any indirect, consequential, incidental, special,
exemplary or punitive damages, even if informed of the possibility of such
damages, whether the claim for such damages is based on contract, tort or
any other theory. Forest Park National Bank & Trust Co.
is not responsible for any loss, injury or damages, whether direct,
indirect, special or consequential, arising in any way out of the
installation, use or maintenance of your personal computer hardware or any
software or Internet access. Any cause of action concerning the Online
Banking services under this Agreement must be commenced within one year
after such cause of action has accrued.
6. Business Days/Hours of Operation.
Forest Park National Bank & Trust Co.'s
business days are Monday through Saturday, except holidays on which it is
closed. Online Banking services are available 24 hours a day, 7 days a week
except during maintenance periods. All Balance Transfer transactions
initiated after 5:00 P.M., and all Online Bill Payment transactions
initiated after 8:00 P.M., on a business day will be posted to the
appropriate account on the next business day.
7. Termination and Limitation of Access.
(a) Forest Park National Bank & Trust Co.
may terminate the Online Banking services in whole or in part at any time
without prior notice. Forest Park National Bank & Trust Co. also
reserves the right to limit or suspend your access to the Online Banking
services at any time. Forest Park National Bank & Trust Co. reserves
the right to revoke your Online Banking access if your sign on has been
inactive for 90 days. Forest Park National Bank & Trust Co.
also has the right to refuse a transaction if it reasonably believes such
refusal is necessary for security reasons.
(b) You may cancel Your use of
the Online Banking services at any time by sending notice via first class
mail to Forest Park National Bank & Trust Co., 7348 West Madison Street,
Forest Park, Illinois 60130, Attn: Internet Banking, or by calling Forest Park
National Bank & Trust Co.
at 1-708-771-3700. If You notify us by telephone, we may request that
you put your request in writing. We cannot cancel the Service until all
pending payments have cleared. If you have pending payments and do not want
to wait for them to clear, you may individually delete these future
payments. You will not receive a refund of any service fee if you cancel.
Cancellation shall not affect your liability or obligations under this
Agreement
8. Information, Documents, and Notices.
(a) Consent to Electronic Form. You
agree that all information, documents, and notices that Forest Park National Bank & Trust Co.
is required to provide to You relating to this Agreement or to the Online
Banking services, may be provided to You via the disclosure webpage at the
Bank's website or e-mail at the e-mail address
that You have provided pursuant to this Agreement, or to a substitute e-mail
address that You designate to Forest Park National Bank & Trust Co..
This consent applies to all Online Banking transactions under this
Agreement.
(b) Hardware and Software Requirements. To receive such notices, You must
have an active e-mail account accessible from the Internet, and the minimum
hardware and software requirements specified for your use of the Online
Banking Services.
(c) Changes to Your E-Mail Address. To
change the e-mail address to which such notices are sent to You, You should
email us using your Online Banking Service.
9. Miscellaneous Terms.
In addition to this Agreement,
You agree to comply with all applicable account agreements that You have
with Forest Park National Bank & Trust Co., and all State and Federal
laws and regulations. Forest Park National Bank & Trust Co. may amend or
change this Agreement by sending You notice by electronic mail or by regular
mail sent to your address as it appears on your account records. Your use of
the Online Banking services following receipt of such notice constitutes
Your agreement to any modifications of these terms and conditions.
PERSONAL COMPUTER PRODUCTS — USER TERMS AND CONDITIONS
Forest Park National Bank & Trust Co. hereby publishes the following terms and
conditions for User's use of the PC (personal computer). Forest Park
National Bank & Trust Co. reserves the right to modify these terms and
conditions at any time, effective upon publication and transmittal to PC
product users. A customer's use of the PC services constitutes agreement
to these terms and conditions and any modification thereof.
User understands and agrees that the following uses of the PC services are
strictly prohibited. User agrees to indemnify, hold harmless, and defend
Forest Park National Bank & Trust Co. from and against any and all claims,
actions, suits, judgments and expenses (including court costs and reasonable
fees of attorneys, accountants and expert witnesses) at User's sole expense,
arising from User's failure to abide by these restrictions on use of the PC
services.
A.
Unauthorized communication of any charges or credit-card information belonging
to any other person or entity;
B.
Unauthorized communication of information concerning any password or other
on-line access number, code, or identification or any other proprietary
information belonging to any other person or entity;
C.
Use of the PC services to copy, to distribute, or transmit copies of
copyrighted materials belonging to any other person or entity is permitted
only to the extent that the owner has provided express permission to the user
permitting such activity. Copying, distribution, or transmitting
copyrighted materials other than with permission as specified above is
expressly prohibited.
D.
Communication of obscene or defamatory information including but not limited
to bulletin boards, in conjunction with E-mail; or
E.
Use of PC services in violation of any telecommunication, postal, or other
local laws or regulations of the User's country of origin or of the United
States, or in the furtherance or the commission of any crime or other unlawful
or improper purpose.
FOREST PARK NATIONAL BANK & TRUST CO. AND ITS SUPPLIERS
MAKE NO WARRANTIES OR REPRESENTATIONS OF ANY KIND WITH RESPECT TO THE PC
SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO MERCHANT
ABILITY OR FITNESS FOR PARTICULAR PURPOSE, AND NEITHER FOREST PARK NATIONAL
BANK & TRUST CO. NOR ITS SUPPLIERS NOR ANYONE WHO HAS BEEN INVOLVED IN THE
CREATION, PRODUCTION OR DELIVERY OF THE PC SERVICES ASSUME ANY
RESPONSIBILITIES WITH RESPECT TO USER'S USE THEREOF. NO ORAL OR WRITTEN
INFORMATION OR ADVICE GIVEN BY FOREST PARK NATIONAL BANK & TRUST CO. OR
ITS SUPPLIERS OR ANY OF THEIR EMPLOYEES SHALL CREATE A WARRANTY OR IN ANY WAY
INCREASE THE SCOPE OF THIS WARRANTY, AND USER MAY NOT RELY ON ANY SUCH
INFORMATION OR ADVICE. THE FOREGOING CONSTITUTES FOREST PARK NATIONAL
BANK & TRUST CO.'S SOLE AND EXCLUSIVE LIABILITY TO USER WITH RESPECT TO
USER'S USE OF THE PC SERVICES.
Any cause of action concerning the PC services under this
Agreement must be commenced within one year after such cause of action
has occurred.
User further understands and agrees that:
Transmission of confidential business and sensitive personal information is at
Customer's sole risk.
Forest Park National Bank & Trust Co. reserves the right to monitor and
review transmissions on-line and in storage, and to remove or reject any
material which Forest Park National Bank & Trust Co., at its sole
discretion, believes may be unlawful or objectionable, without prior notice to
User.
User may be responsible for a $20.00 ACH returned item charged when using bill
payment services if sufficient funds are not available to pay specified bills
and be charged the Bank's normal overdraft fees.
User agrees to notify Forest Park National Bank & Trust Co. or its
authorized agent no later than 60 days after User receives the FIRST statement
on which User believes a problem or error has occurred.
AUTOMATED BILL PAYMENT — USER TERMS AND CONDITIONS
Forest
Park National Bank & Trust Co. hereby publishes the following terms and
conditions for customers utilizing bill payment services via the
Internet. Forest Park National Bank & Trust Co. reserves the right
to modify these terms and conditions at any time, effective upon publication
and transmittal to bill payment service users. Customer's use of bill
payment services constitutes agreement to these terms and conditions and any
modifications thereof.
User agrees to follow product use instructions provided within the Online
Help.
User agrees to schedule bill payment (payment transaction date) at least five
business days prior to the due date, not including any grace period.
User agrees to provide correct payee name, address, account information and
payment amount.
User agrees to maintain sufficient funds in funding account on the transaction
date requested.
User agrees to notify Forest Park National Bank & Trust Co. or its
authorized agent no later than 60 days after User receives the first statement
on which User believes a problem or error has occurred.
User acknowledges that Forest Park National Bank & Trust Co. or its
authorized agent may require up to 45 days to investigate a complaint or
question. Forest Park National Bank & Trust Co. or its authorized
agent will use all responsible efforts to resolve an issue within 3 business
days. If an issue is reported orally, the User may be required to send
the complaint or question in writing within 10 business days. If Forest
Park National Bank & Trust Co. or its authorized agent needs more time,
the User's account will be credited within 10 business days for the amount the
User believes to be in error. If the User is requested to put the
complaint or question in writing and it is not received within 10 business
days, the account may not be credited. If it is determined that there
was no error, a written explanation will be sent within 3 business days after
the investigation is completed.
This service may not be used to transmit alimony, child support or other
court-directed payments or tax payments.
This service may be terminated by us at any
time.
INTERNET BANKING BILL PAYMENT AGREEMENT
In
this Agreement, "I, me, and my" refer to the person or persons
signing up for the Online Bill Payment. "Account" refers to my
checking or NOW account, from which my bills will be paid.
User authorizes Forest Park National Bank & Trust Co. or its authorized
agent to make payments to creditors for me, as I may authorize by PC (personal
computer) from time to time, and also authorize Forest Park National Bank
& Trust Co. to post such payments to my account.
I understand that Forest Park National Bank & Trust Co. or its authorized
agent will use reasonable efforts to ensure payments reach creditors on time,
but cannot guarantee the time a payment will be posted by a creditor.
Forest Park National Bank & Trust Co. or its authorized agent will use
reasonable effort in ensuring creditors reverse any service fee or late charge
that is related to payment process error. I also understand that Forest
Park National Bank & Trust Co. or its authorized agent will not be
responsible for any loss or penalty that I may incur due to lack of sufficient
funds or other conditions that may prevent the withdrawal of funds from my
account.
I understand that Forest Park National Bank & Trust Co. will provide bill
pay free of charge. I also understand that I
will be charged $20.00 for each bill pay returned. Forest Park National
Bank & Trust Co. may change the above rates with at least 30 days prior
notice.
ELECTRONIC FUND TRANSFERS — YOUR RIGHTS AND RESPONSIBILITIES
The Electronic Fund Transfers we are capable of handling for consumers are
indicated below, some of which may not apply to your account. Please read
this disclosure carefully because it tells you your rights and obligations for
these transactions. You are the only authorized user of your Card and/or your
secret Personal Identification Number (PIN). You agree not to give anyone else your
Card or secret PIN. The Secret PIN is provided for your protection and identification.
You should not reveal your PIN to anyone or keep it written on or with
your Card or near the PC used for Online Banking. You also agree to notify us
promptly of any loss or theft of the Card or PIN. You should keep this
notice for future reference.
1. TYPES AND LIMITATIONS OF TRANSFERS.
(a) Account Access. You may use your ATM or debit Card and PIN to:
X (1) Make cash withdrawals from checking or savings accounts
X (2) Make deposits to checking or savings accounts.
X (3) Transfer funds between deposits accounts upon request.
X (4) Pay for purchases at places that have agreed to accept cards and PINs
with Cash Station and MasterCard logo.
Some of the services may not be available at all terminals.
(b) Prearranged Transfers. We are equipped to:
X (1) Accept certain direct deposits to your checking or savings account.
X (2) Pay certain recurring bills from your checking or savings account.
(c) Transfers and Information. You may use your telephone or Online Banking to:
X (1) Transfer funds between deposit accounts upon request.
X (2) Get information about account balance, interest paid, or recent account
transactions.
(d) Limitations on frequency of electronic fund transfers.
X (1) Transfers from a money market deposit account or a savings account to
another account or to third parties by preauthorized, automatic, or telephone
transfer are limited to six per month or statement cycle with no more than
three by check, debit card or similar order to third parties.
(e) Dollar limit (if any) on each terminal transfer.
X (1) You may withdraw up to $300 from an ATM terminal each day unless you
have been specifically advised that a higher limit is applicable to your account.
(f) POS Limit.
X (1) You may withdraw or purchase goods (in person) up to $300 from POS
terminals each day unless you have been specifically advised that a higher limit is
applicable to your account.
(g) Debit Card Purchase Limit.
X (1) You may purchase goods (in person, by phone, or by mail) up to $1,000
using your debit card each day unless you have been specifically advised that a higher limit is applicable to your account.
(h) Bill Paying. You may use Online Banking to:
X (1) Pay bills from your checking account in the amounts and on the days you
request.
2. CHARGES FOR ELECTRONIC FUND TRANSFERS.
(a) Cirrus Fee. There
will be a $2.00 fee for any transaction initiated with your card at any
Terminal which displays the CIRRUS logo, but does not display the CASH STATION
logo.
(b) Cash Station Transaction Fee. If you use your card to initiate Balance
Inquiries, Deposits or Withdrawals at Cash Station Terminals not owned or operated by
us, a $1.00 Cash Station Transaction Fee may be imposed.
(c) Balance Inquiries Fee. There will be a $.25 fee for each
balance inquiry at our ATM.
(d) Our Transaction Fee. There will be no fee for Deposits
and Withdrawals made at ATM's we own or operate. A list of our ATM'S is as follows:
Main Bank Office
Roosevelt Road Office
7348 W. Madison Street
7331 W. Roosevelt Road
Forest Park, IL
Forest Park, IL
(e) Replacement Card Fee. If you lose your card there will
be a $10.00 service charge to issue a replacement card plus pass through fees.
(f) Stop Payment Fee. There will be a $28.00 per stop
payment order fee for Electronic Fund Debits per stop payment order.
(g) POS Transaction Fee. There will be a $.25 fee for each POS Transaction.
(h) ATM Fees By Others. If
you use an automated teller machine that is not operated by us, you may be
charged a fee by the operator of the machine and/or by an automated transfer
network.
(i) Bill Payment Fee. None.
(j) Bill Payment Return Fee. There will be a $20 fee for each
bill payment returned in addition to any Bank charges.
3. RIGHT TO DOCUMENTATION.
(a) Terminal Transfers. You
can get a receipt at the time you make any transfer to or from your account using one of our terminals.
(b) Direct Deposits. 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 (708)771-3700 to find out whether or not the deposit has been made.
(c) In addition.
X (1)
You will get a monthly account statement from us, unless there are no
transfers in a particular month. In any case you will get a statement
quarterly.
X (2)
You will get a quarterly statement from us on your savings account if the only
possible electronic transfer to or from the account is a preauthorized
deposit.
X (3)
If you bring your passbook to us, we will record any electronic deposits that
were made to your savings account
since the last time you brought in your passbook.
4. STOP PAYMENT PROCEDURES AND NOTICE OF VARYING AMOUNTS.
(a) 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 or
write us at the telephone number or address listed below, in time for us to
receive your request 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. You are not permitted to
stop payment on any purchase or cash withdrawals originated by use of ATM or
debit card.
(b) Notice of varying amounts. If these regular payments may vary in
amount, the person you are going to pay will tell you, 10 days before eachpayment,
when it will be made and how much it will be. (You may choose instead to get this
notice only when the payment would
differ by more than a certain amount from the previous payment, or when the
amount would fall outside certain limits that you set.)
(c) Liability for failure to stop payment of preauthorized transfer. If
you order us to stop one of these payments 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.
5. FINANCIAL INSTITUTIONS OBLIGATIONS.
(a) 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, you do not have enough money in your
account to make the transfer.
If the transfer would go over the credit limit on your overdraft line.
If the automated teller machine where you are making the transfer does
not have enough cash.
If the terminal or 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.
There may be other exceptions stated in our agreement with you.
6. DISCLOSURE TO THIRD PARTIES.
(a) Account information disclosure. We will disclose information to third
parties about your account or the transfer you make:
where it is necessary for completing transfers; or
in order to verify the existence and condition of your account for a
third party, such as a credit bureau or merchant; or
in order to comply with government agency or court orders; or
if you give us your written permission.
7. UNAUTHORIZED TRANSFERS.
(a) Liability disclosure. Tell us AT ONCE if you believe your
card or PIN has been lost or stolen. Telephoning
is the best way of keeping your possible losses down.
You could lose all the money in your account (plus your maximum overdraft
line of credit). If you tell us
within 2 business days, you can lose no more than $50 if someone used your card
or PIN without your permission. If
you believe your card or PIN has been lost or stolen, and you tell us within 2
business days after you learn of the loss or theft, you can lose no more than
$50 if someone used your card or PIN without
your permission.
If you do NOT tell us within 2 business days after you learn of the loss or theft
of your card or PIN , and we can prove we could have stopped someone from using
your card or PIN without your
permission if you had told us, you could lose as much as $500.
Also, if your statement shows transfers that you did not make, tell us at once.
If you do not tell us within 60 days after the statement was mailed to
you, you may not get back any money you lost after the 60 days if we can prove
that we could have stopped someone from taking the money if you had told us in
time.
If a good reason (such as a long trip or a hospital stay) kept you from telling us,
we will extend the time periods.
(b) 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 or write us at the telephone number
or address listed below.
8. ERROR RESOLUTION.
In case of errors or questions about your electronic transfers, call or write us at
the telephone number or address listed below, 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 the FIRST statement on which the problem or error appeared.
(1) Tell us your name and account number (if any).
(2) 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.
(3) 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 (20 business
days for new accounts) after we hear from you and will correct any error promptly. An
account is new for 30 days after the first deposit into the account is made.
If we need more time, however, we may take up to 45 days (90 days for
point of sale, foreign-initiated transfers, or a new account) to investigate
your complaint or question. If we
decide to do this, we will credit your account within 10 business days (20
business days for a new account) 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 re-credit your account.
We will tell you the results within 3 business days after we finish our
investigation. If we decide that
there was no error, we will send you a written explanation, and debit your
account for any amount that was provisionally re-credited.
You may ask for copies of the documents that we used in our
investigation.
9. TERMINATION.
We may terminate or limit the electronic funds transfer services we offer to you
under this agreement, including revocation of the Card and/or Online Banking service at any time.
The Card and/or the PIN are our property and you agree to return them to us upon demand.
FOREST
PARK NATIONAL BANK & TRUST CO. Telephone: 708-771-3700 Business Days: Mon., Tues., Wed., Thurs., Fri. & Sat.
Main Bank Office: 7348 W. Madison Street
Roosevelt Road Office: 7331 W. Roosevelt Road
Forest Park, Illinois 60130
Telephone:
877-287-7895for Online Banking Issues Only Telephone: 800-236-2442to Report Lost or Stolen Debit Card
After Hours
NOTICE: Forest Park National Bank & Trust is not responsible for and has no control over the subject matter, content,
information, or graphics of the web sites that have links here. Please
contact us with any concerns or comments.
