HOMEFREE ONLINE
BANKING SERVICE AGREEMENT & TERMS AND CONDITIONS
The following user agreement governs the use of your HomeFree Online banking services. By using the HomeFree Online banking services, you agree to the terms and conditions of this agreement, which may be amended occasionally. Please keep an up to date copy of this agreement for your records. In
addition to this agreement, you are also bound by the terms and conditions of
other agreements and disclosures that govern your deposit accounts, loan
accounts, or other services and applicable State and Federal laws and
regulations. Before
you can use HomeFree Online banking for the first time, you must agree to the
terms and conditions of the online agreement. This includes any future changes to the terms and
conditions. If you agree to the terms
of this agreement you should click on the “Agree” button at the bottom of the
agreement. If you do not agree with
the terms of this agreement you should click the “Do Not Agree” button and
exit the site immediately.
Terminology The
terms “we”, “us”, “our”, and “Bank” refer to Home National Bank. The terms “you” and “your” refer to the
customer authorized to use HomeFree Online Banking. “Business
Day” refers to Monday through Friday, excluding Holidays observed by the
Federal Reserve Banks. Services
Available Home
National Bank offers the following services via HomeFree Online Banking: · Account balance inquiry · Express transfer (used to transfer between Home National Bank
accounts) · Schedule loan payments · Online bill payment · E-mail used to contact Home National Bank Occasionally,
Home National Bank may add or delete services listed above. By using any new services that become
available, you agree to the terms and conditions of those services. Fees There
is currently no charge for the use of HomeFree Online Banking or HomeFree
Bill Pay. Home National Bank reserves
the right to charge for these services at the discretion of the Bank. We will notify our customers prior to
charging for these services. Termination You
have the right to discontinue using HomeFree Online Banking at any time. Your access code will be deactivated after
90 days of inactivity. We reserve the
right to terminate your ability to use HomeFree Online Banking at any time,
if we feel that you are not abiding by the terms and conditions of the
Agreement. User
ID and Password You
may obtain a User ID and Password for HomeFree Online Banking by completing
the first time user form. For
security purposes, Home National Bank will mail you the computer assigned
User ID, however you will be required to visit the Racine Office to obtain
your temporary password. You will be
required to change your Password the first time you log onto the system. You may change your Password at anytime thereafter. If you feel that your Password has been
compromised please change it immediately.
You authorize Home National Bank to follow any instructions given by
you through your User ID and Password.
After three failed attempts to log on, your password will be blocked
for five minutes; this series of invalid attempts can be repeated three times
before your Password has to be reset.
If your Password needs reset please contact Home National Bank. You agree to hold the Bank harmless from
any liability, cost, expense, or damages, which the Bank may incur as a
result of acting upon instructions, or implementing transactions, which bear
your User ID and Password. You also
agree that the Bank is not liable for any transfer, or transaction from or to
any account where the transfer, or transaction bears the appropriate User ID
and Password. You agree that e-mail
or other communications viewed or transmitted between us through the HomeFree
Banking service shall be treated as a contract and shall bind each of us in
the same way as written communication.
You agree that use of your User ID and/or Password to access the
HomeFree Banking service through our website in connection with a
communication that you send to us shall be treated as your signature. Home National Bank is entitled to act on
instructions received through HomeFree Online Banking under your Password and
without inquiring into the identity of the person using said Password nor are
we under any obligation to monitor transactions to determine that they are
made on behalf of the account holder.
You agree to hold the bank harmless as a result of any damages you may
incur as a result of it. For your
protection, do not disclose your Password by telephone to anyone claiming to
represent Home National Bank. Home
National Bank employees do not need to know your Password and will not ask
you to disclose it. Home National
Bank will not contact you by e-mail requesting you to update your User ID and
Password. If you choose to give your
Password to someone, despite the advice of Home National Bank, you are doing
so at your own risk. Anyone to whom
you give your HomeFree Online Banking password or other means of access will
have full access to your accounts and transactions conducted by such persons
will be considered to be authorized by you.
You must contact Home National Bank immediately if your password has
been lost, stolen or otherwise compromised in any way. Home National Bank will immediately
disable your password. System
Requirements For
you to access HomeFree Online Banking you must have an Internet
connection. Home National Bank is not
liable for charges incurred by you while using the Internet to visit the Home
National Bank website. You must also
have an eligible account with the Bank, a properly issued and validated User
ID and Password, and a secure Internet Browser. Accessibility You
may access your accounts through HomeFree Online Banking 24 hours a day 7
days a week. However, there may be
times when HomeFree Online Banking will not be available due to system
maintenance that may occur at any time without notice. Transfers will be effective immediately if
funds are available. Bank
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 this agreement with you, we will be liable only
for your actual losses or damages and not consequential damages, caused by
our sole negligence. There are some
exceptions to our liability. 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 a legal order directs us to prohibit withdrawals from the account; · If your account is closed or if it has been frozen; · If the transfer would go over the credit limit for any credit
arrangement set up to cover overdrafts; · If you, or anyone you allow, commits any fraud or violates any law or
regulation; · If any electronic terminal, telecommunication devise or any part of
the electronic fund transfer system is not working properly; · If you have not properly followed the instructions for using HomeFree
Online Banking; · If circumstances beyond our control (such as fire, flood, or improper
transmission prevent the transfer, despite reasonable precautions we have
taken. Disclosure
of Account Information to Third Parties We
will disclose information to third parties about your account or the
transfers that you make: · In order to comply with government agency or court orders, subpoenas,
garnishments or writs of suggestion; or · If you give us permission Unauthorized
Transfers The
provisions of this section that limit a consumer’s liability for unauthorized
transfers pertain only to electronic funds transfers that debit or credit a
consumer’s checking, savings, or other asset account that is established
primarily for personal, family or household purposes, and is subject to the
Federal Reserve Board’s Regulation E.
Contact Home National Bank immediately if you believe another person
has improperly obtained your HomeFree Online Banking password. Also notify the Bank is someone has
transferred or may transfer money from your account without permission, or if
you suspect any fraudulent activity on you account. Telephoning is the best way to keep your possible losses down. To notify us, call Home National Bank at
(740) 949-2210; or write Home National Bank P.O. Box 68 Racine, Ohio 45771;
on e-mail us at homebank@charter.net.
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