Important Information about CSBOnline Banking
Before continuing your
enrollment, please read through this CSBOnline
Disclosure, which provide important information
regarding CSBOnline Banking.
================================================================================
Privacy
Disclosure
We, our, and
us mean Caldwell State Bank.
We have never shared nonpublic
personal information except as required by law and we
will continue to protect your privacy.
Categories of Information That
We May Collect
We collect nonpublic personal
information about you from the following sources:
·
Information we receive from you on
applications or other forms, such as your name,
address, social security number, assets, and income.
·
Information about your transactions with
us, our affiliates, or others, such as your account
balance, payment history, and parties to transactions.
·
Information we receive from a consumer
reporting agency, such as your creditworthiness and
credit history.
Categories of Information That
We Disclose
We do not disclose any nonpublic
personal information about our customers or former
customers to anyone, except as required by law.
Disclosure as Permitted By Law
We may disclose all of the
information we collect, as described above to service
providers and companies that perform marketing
services on our behalf (for example check printing
companies).
Confidentiality and Security
We restrict access to nonpublic
information about you to those employees who need to
know that information to provide products or services
to you. We maintain physical, electronic, and
procedural safeguards that comply with federal
standards to guard your nonpublic information.
=================================================================================
Privacy on our Web
Site
In addition to the protections
afforded all of our customers in this privacy notice,
the following privacy principles apply to the use of
our web site and Internet product, CSBOnline
Banking.
Use, Collection and Retention
of Customer Information
When you first visit CSBOnline,
you do so anonymously. We do not collect identifying
information about you. We collect only summary
information about the numbers of individuals who visit
our site and what those individuals look at.
Protection of Information via
Established Security Procedures
We maintain appropriate security
standards and procedures regarding unauthorized access
to customer information. Your data is stored encrypted
on servers or in cookies. We are committed to
protecting the integrity, accuracy, privacy and
confidentiality of your data.
Email
Messages sent via email within
CSBOnline are secure. However, other email you
send us may not be secure. Therefore, we recommend
that you do not send us confidential information such
as social security or account numbers via unsecured
email.
Your Role in Security
It is important that you protect
against unauthorized access to your accounts. We
recommend that you do not share your password and that
you exit any applications when you finish using them.
Children's Information
We respect the privacy of your
children and we comply with the practices established
under the Children's Online Privacy Protection Act. We
do not knowingly collect or retain personally
identifiable information from customers under the age
of eighteen through CSBOnline Banking.
==================================================================================
Security Policy
Caldwell State Bank’s
CSBOnline uses the latest security technology
to protect you on your Internet transactions. This
security includes Server Authentication (thwarting
impostors), Privacy using Encryption (thwarting
eavesdroppers), and Data integrity (thwarting
vandals).
Caldwell State Bank’s
CSBOnline must be used with a Secure Sockets
Layer "SSL" compatible browser or terminal SSL uses
authentication and encryption technology.
You can tell when you are secure
by looking at the location (URL) field. If the URL
begins with https:// (instead of http://), the
document comes from a secure server. This means your
data cannot be read or deciphered by unauthorized
individuals. You can tell if you are connected
Caldwell State Bank’s CSBOnline by
viewing its digital certificate. This certificate
verifies the connection between the Caldwell State
Bank server's public key and identification (just as a
driver's license verifies the connection between your
photograph and your personal identification).
Cryptographic checks, using digital signatures, ensure
that information within a certificate can be trusted.
User Ids and passwords provide
two layers of authentication and are stored in an
encrypted database that is isolated from the Internet.
Do not use numbers or names that others can guess,
such as birthdays, addresses, or names of family
members. If you share your User Id or password with
others, such person(s) will be deemed to be your
authorized agent(s) for accessing CSBOnline
and you will be solely responsible for all
transactions they conduct, even if those transactions
are outside the scope of your agent's authority. This
includes any transaction conducted by aggregation
service (a service that collects and summarizes your
account information in one place) or any person
obtaining your User ID and password through an
aggregation service. No Caldwell State Bank person
will ever need to know your password and you should
not furnish it to anyone claiming to represent
Caldwell State Bank. You should exit CSBOnline
as soon as you complete your banking.
Do not leave your computer with
your account information on the screen. It is
recommended that you close your browser after signing
off from CSBOnline to clear account
information from your browser's memory. You should
treat your User Id and password as valuable financial
assets and be diligent in safeguarding them from
disclosure to unauthorized person(s).
DISCLAIMER Product offers rates, terms and other
information provided herein are subject to change
without notice. Due to occasional inaccessibility to
our web site, Caldwell State Bank cannot guarantee the
completeness or accuracy of the information provided
herein.
====================================================================
USA
Patriot Act
IMPORTANT INFORMATION ABOUT
PROCEDURES FOR OPENING A NEW ACCOUNT. To help the
government fight the funding of terrorism and money
laundering activities, Federal law requires all
financial institutions to obtain, verify and record
information that identifies each person who opens an
account.
What this means to you: When you
open an account, we will ask for your name, address,
date of birth and other information that will allow us
to identify you. We may also ask to see your driver's
license or other identifying information.
================================================================================
CSBOnline
Banking Agreement
This CSBOnline Banking
Agreement ("Agreement") sets forth the terms and
conditions for your use of CSBOnline Banking.
By using the CSBOnline Banking Service ("Online
Banking") you agree to the terms and conditions set
forth herein. Please read this Agreement carefully and
keep a copy for your records Definitions:
As used in this Agreement the
following terms have the following meanings:
·
"Account" means any checking, savings,
time deposit, IRA or loan account on which you are an
owner and any account which is included in your
Account Summary.
·
"Business" means a customer who is an
entity enrolling accounts which are used for a
business purpose and not for personal, family or
household purposes.
·
"Business Day" means Monday through
Friday, excluding Federal holidays.
·
"Business Day Cutoff" means 10:00 P.M.
Central Time Monday – Friday on any Business Day,
except CSBOnline Bill Pay for which the
Business Day Cutoff is 8:00 P.M. C.S.T.
·
"Consumer" means a customer who is a
natural person enrolling accounts which are used
primarily for personal, family or household purposes.
·
"Transfer Instructions" means the
information provided by you for a transfer of funds
between two or more Accounts.
CSBOnline Banking Service:
In order for you to use
CSBOnline Banking, you must be the owner of at
least one Account (checking, savings, time deposit,
IRA, or loan) with Caldwell State Bank ("Bank"). You
must provide a valid email address to the Bank. It
is your responsibility to notify the Bank of any and
all changes to your email address. The Bank
accepts no responsibility or liability for the
consequences of your failure to notify the Bank of all
changes to your email address.
Online Banking consists of access
to:
·
Accounts Overview
·
Account Inquiries and Balances
·
Historical information for up to 60 days
·
Transaction Downloads
·
Account Transfers
·
Detailed Transaction Views
·
Account Statement Downloads
Account Ownership:
When you enroll in CSBOnline
Banking all of the Accounts on which you are an owner
will be automatically placed in your Account Summary.
You may request the Bank to remove any of these
Accounts from CSBOnline Banking. If you are not
the owner of an account but are an agent or signer on
the account you may request the Bank add the account
to your Account Summary. It is the Bank's sole
discretion whether to add the requested non-owner
account to your account Summary. The addition of one
non-owner account to your Account Summary does not
obligate the Bank to add any other non-owner accounts
to your Account Summary. The Bank may remove non-owner
accounts from your Account Summary at any time without
prior notice to you.
Determination of ownership of an
account at any specific time shall be based on the
information reflected in the current records
maintained by the Bank.
Multiple Owners/Signers:
If you are a Consumer and you own
an Account (or Accounts) with one or more other
people, the Bank may act on the verbal, written or
electronic direction of any one owner for that jointly
owned Account. Each owner who enrolls the account in
CSBOnline Banking will receive a separate User
ID and Password.
If you are a Business, the Bank
may act on the verbal, written or electronic
directions of any one person authorized by the
signature card on file regarding the enrollment in
CSBOnline Banking. Only one User ID and Password
will be issued to you regardless of the number of
signers authorized on your Accounts. Any person who
has the User ID and Password (whether authorized or
not) will have access to view Account balances,
Account transactions, stop payment on funds, transfer
funds and access other information available from all
Accounts enrolled in CSBOnline Banking
regardless of whether they had such access to all of
the Accounts previously.
If you are a business and an
authorized signer takes action on your Account which
has not been properly authorized or is outside of the
authorized signer's scope of authority, you assume the
entire risk of loss and hold the Bank, its directors,
officers, employees and agents, harmless from all
loss, liability, claims, demands, judgments or
expenses arising out of or in any way connected with
such use.
Transfers:
To make transfers between
Accounts you must maintain at least two deposit
accounts with the bank. Not all accounts are eligible
to be used for transfers. The bank reserves the right
to limit transfer eligibility to certain types of
accounts and to change eligibility requirements from
time to time.
You authorize the Bank to
transfer all funds as you instruct through
CSBOnline Banking. You may not cancel or stop a
transfer of funds once you have entered the Transfer
Instruction. If the Transfer Instruction is submitted
after 10:00 P.M. Central Time, funds from the transfer
will be available immediately, but will post as a
transfer made on the following day (the next business
day).
You agree you will instruct the
bank to make a transfer only when a sufficient balance
is or will be available in your account at the time of
the transfer. The bank is under no obligation to
notify you if a transfer is not completed because
there are non-sufficient funds in your account
(including any available funds) to process the
transaction.
Any transfer made from any of
your savings, NOW or money market accounts is a
restricted transfer subject to federal regulations.
Money Market accounts are restricted to as many as six
(6) preauthorized or automatic transfers per monthly
statement cycle (of which only three (3) may be by
check or draft). Savings Accounts are restricted to
two (2) monthly withdrawals. Each online transfer
using a savings or money market Account is considered
a preauthorized or automatic transfer. NOW accounts
are restricted to 25 debits monthly.
Responsibility for User ID and
Password:
It is your responsibility to
maintain control and safeguard your User ID and
Password. You are solely responsible for all actions
taken and instructions given which are authorized by
the use of your User ID and Password regardless of who
is actually acting or making the requests. If you
discover your User ID or Password has been stolen, you
agree to notify the Bank immediately.
Failure of CSBOnline Banking
Service:
The Bank accepts no
responsibility or liability for any failure of
CSBOnline Banking to perform as a result of, but
not limited to, communications failure, energy
shortage, act of God, war, riot, fire, civil
commotion, terrorist attack, severe or adverse weather
conditions or other causes beyond the Bank's control.
==================================================================================
Important Information
about CSBOnline Bill Pay
Electronic
Disclosure Consent Form and Agreement
This notice is to inform you that
you will receive important information and disclosures
electronically as required by the Electronic Fund
Transfers Act (EFTA). In order to pay bills online,
you must consent to receive the EFTA disclosures
electronically. Please read this notice carefully
and print or retain a copy of the notice, as well as
the disclosures, for your records. In order to
keep copies for your records you will need access to a
printer or the ability to download information. To
print, select the print function on your browser. In
order to receive information and disclosures in
electronic format, you must have one of the following
operating systems and one of the following browsers:
|
Operating System |
Microsoft® Internet Explorer (IE) Browsers |
AOL® Browsers |
Macintosh®
Browsers |
Firefox® Browser |
Camino® Browser |
|
Windows 2000 |
6.0, 6.0 SP1* |
8.0, 9.0 SE |
|
1.0, 1.5, 2.0 |
|
|
Windows XP SP2 |
7.0, 6.0, 6.0 SP1 |
8.0, 9.0 SE |
|
1.0, 1.5, 2.0 |
|
|
Windows Vista |
7.0 |
9.0 SE |
|
2.0 |
|
|
Mac OS X 10.2 |
|
AOL for
Mac OS X |
N/A |
|
1.0 |
|
Mac OS X 10.3 (Panther®) |
|
AOL for
Mac OS X |
Safari™ 1.2x, 1.3 |
1.0, 1.5, 2.0 |
1.0 |
|
Mac OS X 10.4 (Tiger™) |
|
AOL for
Mac OS X |
Safari 2.0** |
1.0, 1.5, 2.0 |
1.0 |
You may withdraw your consent to
receive disclosures by exiting this online session
anytime prior to subscribing to a service. Your
consent is not stored unless you complete this online
session. Withdrawal of consent after completion of
this online session will not affect your account.
If you would like additional
paper copies of the above disclosures, please e-mail:
info@caldwellstatebank.com or phone (620)
845-6444. We will provide the disclosures to you via
U.S. Mail. No fee will be charged for this service.
Caldwell State Bank will not be responding to you in
electronic format.
By clicking “I Agree” below, you
indicate your consent to receive disclosures
electronically and your ability to access these
disclosures in an electronic form. If you do not
accept to receive these disclosures electronically,
you will be unable to proceed with CSBOnline
Bill Pay enrollment.
CSBOnline Bill Pay On-Time Payment Guarantee
Caldwell State Bank is committed to sending bill
payments made through CSBOnline Bill Pay to
your designated payee on time and for the dollar
amount you specify. If you properly follow the
procedures described herein for CSBOnline Bill
Pay and the Service fails to send a payment according
to the Payment Instructions received, Caldwell State
Bank will bear responsibility for all late charges. In
any other event, including but not limited to choosing
a Send On Date which is not five Business Days before
the due date or on or past the due date stated on your
invoice, the risk of incurring and the responsibility
for paying any and all late charges or penalties shall
be borne by you.
For this reason, it is recommended that all Send On
Dates selected by you be no less than five Business
Days before the actual due date, not the late date
and/or a date in the grace period. (For example, the
payment should be entered no later than Monday before
8 p.m., Central Time, for a payment to arrive on
Friday, when the actual due date of the bill is the
following Friday.) Payment Instructions entered after
the Cutoff Time or on non-Business Days will be
considered entered in the Service on the next Business
Day.
While it is anticipated that most transactions will be
processed four Business Days after your selected Send
Payment Date, it is understood that due to
circumstances beyond the control of the Service,
particularly delays in handling and posting payments
by slow responding companies or financial
institutions, some transactions may take a day or even
a few days longer to be credited by your Payee to your
account.
These Guarantees cover transactions on CSBOnline
Bill Pay only and do not extend to any transaction on
any third party site, whether or not such third party
site is linked to or otherwise advertised on our site.
These Guarantees do not apply to bill pay using
Microsoft® Money Banking. These Guarantees do not
cover transactions conducted with your user
identification and password on CSBOnline
Banking if you have disclosed to others, or have
otherwise been negligent in protecting, your user
identification and password.
==================================================================================
CSBOnline Bill Pay
Terms and Conditions
This Agreement is between you and Caldwell State Bank
and governs the use of the CSBOnline Bill Pay
Service ("Online Bill Pay") on this web site. When you
enroll your account(s), you agree to the terms and
conditions of this CSBOnline Disclosure. If
you are a Business, you also agree to execute the
Certificate of Resolution Authorizing Use of Internet
Banking ("Resolution"). (Bank will send you the
Resolution at your request or upon your acceptance of
this Agreement.)
All provisions contained in this Agreement apply to
both Consumer and Business accounts unless otherwise
specifically stated.
DEFINITIONS:
As used in this Agreement, the following terms have
the following meanings:
·
"Cutoff Time" means 8:00 P.M. Central
Time on any Business Day and is the time by which you
must transmit instructions to have them considered
entered on that particular Business Day.
·
"ePayment" means an electronic payment
transmitted by automated clearing house (ACH).
·
"Payee" means the merchant or other
person or entity to whom you wish a payment to be
directed.
·
"Payment Account" means your checking or
now account from which all bill payments will be made.
"Payment Amount" means the amount in US dollars you
authorize to be paid to a Payee.
·
"Payment Date" means the Business Day
upon which your Payment Account will be debited.
(Sometimes referred to as "Send On Date".)
·
"Payment Instruction" means the
information provided by you for a bill payment to be
made to your Payee.
·
"Pending Payment" means any Payment
Instruction which you have ordered to be made which
has not been canceled by you before the Cutoff Time on
the Payment Date.
·
"Repeating Payment" means an automatic
recurring payment to the same Payee for the same
Payment Amount, which you can authorize for payment up
to 364 days in advance.
CSBOnline Bill Pay:
In order to use CSBOnline
Bill Pay, you must maintain at least one checking,
savings or NOW account with the Bank designated as
Payment Account(s). . Money Market accounts are
restricted to as many as six (6) preauthorized or
automatic transfers per monthly statement cycle (of
which only three (3) may be by check or draft). Each
online transfer using a money market account is
considered a preauthorized or automatic transfer. NOW
accounts are restricted to 25 debits monthly.
You may pay bills only in US
dollars to Payees located in the United States
(including Guam, Puerto Rico, U.S. Virgin Islands and
U.S. military bases). You may enter Payment
Instructions for a one-time payment or for Repeating
Payments up to 364 days in advance. The minimum
payment you may request is $.01 and the maximum is
$9,999.99.
You must be at least eighteen
(18) years of age to enroll in CSBOnline Bill
Pay and be a resident of the United States. You must
provide a valid e-mail address to the Bank and
maintain access to the Internet.
It is your responsibility to
notify the Bank of any and all changes to your
email address. The Bank accepts no responsibility
or liability for the consequences of your failure to
notify the Bank of all changes to your email address.
Repeating Payments may be
scheduled on a regular basis: weekly, bi-weekly, twice
a month, monthly, every two months, quarterly,
semi-annually or annually.
If you are a Consumer, you may
make payments to or at the direction of government
agencies, organizations and institutions, and court
directed payments.
The Bank has limited ability to
research any issues arising from such government or
court directed payments and will not be responsible
for any late fees or penalties incurred by the use of
the Bill Payment Service for such payments. By
providing the names and account information of your
Payees, you authorize the Bank to follow the Payment
Instructions that it receives through the Bill Payment
Service. When the Bank receives a Payment Instruction,
you authorize the Bank to debit your Payment Account
on the Payment Date and remit funds on your behalf.
You agree to only instruct the Bank to make a
withdrawal when a sufficient balance is or will be
available in your Payment Account on the Payment
Date. If you do not have a sufficient balance, the
payment will not be made. The Bank is under no
obligation to notify you if a payment is not completed
because there are non-sufficient funds in your Payment
Account to process the transaction.
BILL PAY PROCESSING:
Payment Instruction entered must
include a Payment Date (Send On Date). You should
select a Send On Date based upon the actual payment
due date on your bill, not the late date or a date in
the grace period. The Send On Date should allow
sufficient time for processing the transaction and
remitting the funds (either by ePayment or check) to
the Payee. No less than three business days should be
allowed, after Bank processing, for remittance of
funds if by ePayment. No less than five business days
should be allowed, after Bank processing, for
remittance if by check. (For example, if the actual
due date of the bill is Wednesday the 9th the latest
date that should be chosen as the Send On Date is
Friday the 4th, if remittance is by ePayment, or
Wednesday the 2nd if remittance is by check.) The
determination of whether payment is made by ePayment
or check is at the sole discretion of the Bank and
will be based primarily on acceptance of ePayments by
specific Payees. The Bank is not responsible for any
charges imposed or any other action, by a Payee
resulting from a late payment, including any
applicable finance charges and/or late fees. 8:00
P.M. CST is the batch cut-off time for same day
consumer initiated CSBOnline bill payments.
Payment Instructions may be
processed either electronically or via check. You may
schedule multiple payments to the same Payee with the
same Payment Date so long as they are for differing
Payment Amounts. If you enter multiple payments to the
same Payee with the same Payment Date and in the same
Payment Amount, the Bill Payment Service will not send
the duplicate payments. When more than one customer
schedules a payment to the same Payee on the same
date, all such payments may be consolidated and one
electronic file or check may be issued to the Payee.
Since your Payment Instructions
are transmitted by computer, the payment will not be
sent to the Payee with the Payee's payment stub.
Payments received without the payment stub are
sometimes processed at a different location. In
addition, some Payees take longer to process payments
made without payment stubs. It is your
responsibility to contact your Payees to ensure that
the address provided in your Payment Instruction is
the correct address and that you allow sufficient time
for the Payment to be sent and posted by the Payee.
CANCELLING PAYMENTS AND
PLACING STOP PAYMENTS:
You may cancel or change any
Payment Instruction prior to the Cutoff Time on the
Payment Date. If the payment has been made by check,
you may request a stop payment be placed on that check
by contacting Caldwell State Bank at (620) 845-6444.
No stop payment will be placed if the check has
already been presented for payment. A written or
confirmed stop payment is effective for six (6)
months. Each renewal must be received by the Bank
prior to the expiration of the prior six (6) month
period. If you request a stop payment on a Repeating
Payment, further payments will not be made to that
Payee unless you enter new Payment Instructions.
You may be charged for each stop
pay request in accordance with the most current
applicable fee schedule.
No stop payment can be placed after the Cutoff Time on
the Payment Date if the payment has been made by
ePayment, the stop payment Cutoff Time is 10:00 P.M.
C.S.T.
Your request through CSBOnline
Banking to stop payment of a check drawn on your
Account is subject to the terms and conditions of stop
payments.
You may not request through
CSBOnline Banking the stop payment of an electronic
item (such as an ACH) or a check which has been made
into an electronic item (such as an electronically
recleared check). A fee will be charged to place a stop
payment. 10:00 P.M. CST is the cut-off time for same
day consumer initiated CSBOnline stop payments (except
those excluded above).
GENERAL PROVISIONS:
The Bank will use its best efforts
to make your payments properly and in accordance with
your Payment Instructions. The Bank shall not be
responsible and shall have no liability for any payment
it is unable to complete due to any of the following
circumstances:
·
Through no fault of the Bank, your Payment
Account does not contain sufficient funds to complete
the transaction.
·
The Bill Payment Service is not working
properly and you know or have been advised of the
malfunction before you execute the transaction.
·
You have not provided correct information
regarding the Payee.
·
Circumstances beyond the control of the
Bank (such as, but not limited to, telecommunications
failure, acts of God, fire, riot, war, act of terrorism,
or severe or adverse weather) prevent the proper
execution of the transaction and the Bank has taken
reasonable precautions to prevent the circumstances.
If for any reason your access
connection is interrupted during an on-line session or
you have questions regarding whether your Payment
Instructions were received by the Bank, please call
Caldwell State Bank at (620) 845-6444.
SERVICE CHARGE AND CHANGES TO
AGREEMENT:
A monthly service fee will be
charged to your Billing Account in accordance with the
current applicable fee schedule. This fee may be changed
at any time after prior notice to you. This Agreement
may be revised at any time, effective upon posting the
revised Agreement on this Internet Site. Continued use
of CSBOnline Bill Pay after posting of a revised
Agreement or notice of a fee change will constitute
acceptance and agreement to the revisions in the
Agreement or changes in service fee.
DISCONTINUATION OR TERMINATION
OF BILL PAY SERVICE:
In the event you wish to
discontinue using CSBOnline Bill Pay, you must
provide ten (10) days written notice prior to the actual
discontinuation date. Written notice must be sent to
Caldwell State Bank Internet Support, P.O. Box 153,
Caldwell KS 67022. Once the Bank has acted on your
discontinuation notice, the Bank will make no further
bill payments, including any bill payments previously
authorized.
The Bank may terminate your use of
this Bill Pay Service, in whole or in part, at any time
without prior notice. The Bank reserves the right to
cancel CSBOnline Bill Pay to all customers,
without prior notice. Your access to CSBOnline
Bill Pay will be terminated automatically if the Payment
Account is closed or access to the Payment Account is
restricted for any reason.
Discontinuation or termination of
CSBOnline Bill Pay shall not affect your
liability or obligation under this Agreement.
GOVERNING LAW:
This Agreement shall be governed by
and construed in accordance with the law of the state of
Kansas without regard to principles of conflicts of
laws.
THE FOREGOING SHALL CONSTITUTE THE
BANK'S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. BANK
DOES NOT PROVIDE WARRANTIES OF ANY KIND, EITHER EXPRESS
OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF
TITLE, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS
FOR A PARTICULAR PURPOSE OR OTHERWISE. IN NOEVENT SHALL
THE BANK BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL,
INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES
INCLUDING, BUT NOT LIMITED TO, LOST PROFITS (EVEN IF
ADVISED OF THE POSSIBLITY THEREOF) ARISING IN ANY WAY
OUT OF THE INSTALLATION, USE OR MAINTENANCE OF YOUR
EQUIPMENT AND / OR ONLINE BILL PAY.
=================================================================================
CSBOnline
Internet Banking Fees
CSBOnline eBanking is FREE.
CSBOnline eStatement is
FREE.
CSBOnline Bill Payments Fees
User's will be assessed a monthly service fee of
$5.00 for unlimited bill payment transactions. Bill
Payment Check Photocopy Fee is $5.00 per item, eBanking
Bill Payment Stop Payment Fee is $16.00 per item. Overdraft Fee is $16.00 per item.
=================================================================================
Caldwell State
Bank Internet User Agreement
Caldwell State Bank requires that all visitors
(collectively, the "User") to its site on the World Wide Web (the
"Site") adhere to the following rules and regulations. Please read
the terms carefully before using this Site. By accessing the Site, User
acknowledges and accepts these terms and conditions. Caldwell State Bank may
modify or supplement this User Agreement by publishing amendments on the Site
and may discontinue or revise any or all others aspects of the Site in its sole
discretion and without prior notice to User.
Ownership of Site
All information, including test and graphics,
contained in the Site is subject to a copyright by Caldwell State Bank as
indicated. The information and materials contained in the Site may not be
copied, displayed, distributed, downloaded, licensed, modified, published,
reposted, reproduced, reused, sold, transmitted, used to create a derivative
work or otherwise used for public or commercial purposes without permission of
Caldwell State Bank the holder of the copyright.
Products and Services Offered on the Site
Caldwell State Bank may make available to User
various products and services through the Site. Not all of the products or
services described on the Site are available in all geographic areas. Every
User may not be eligible for all products or services. Caldwell State Bank
reserves the right to determine a User's eligibility for any product or service
subject only to federal or state law. In addition to the terms and conditions
of this User Agreement, specific Caldwell State Bank products or services may
be subject to certain other disclosures and agreements.
Banking Products and Services
Deposit and loan products and services are made
available through Caldwell State Bank a Kansas-chartered bank with its main
office in Caldwell, Kansas. Caldwell State Bank is federally insured by
the FDIC and an Equal Opportunity Lender.
General Disclaimer of Warranties and of Liability
Caldwell State Bank does not represent or endorse the
accuracy, adequacy, reliability or completeness of any information, content or
advertisements contained on, distributed through, or linked, downloaded or
accessed from the Site, nor the quality of any other products, information or
other materials displayed, purchased, or obtained by User as a result of any
advertisement or any information or offer in or in connection with the Site.
User agrees that all access and use of the Site and its contents is at User's
own risk. By using the Site, User acknowledges that Caldwell State Bank
specifically disclaims any liability (whether based in contract, tort, strict
liability or otherwise) for any direct, indirect, incidental, consequential,
punitive or special damages arising out of or in any way connected with User's
access to or use of the Site (even if we have been advised of the possibility
of such damages), including liability associated with any viruses which may
infect a user's computer equipment. Except as restricted by applicable law, or
express agreement, Caldwell State Bank is not liable for any direct, indirect,
special, incidental, consequential or punitive damages or lost profits arising
in connection with the Site or any interruption, delay in its operation,
computer virus, loss of data, or otherwise. THE SITE IS DISTRIBUTED ON AN
"AS IS" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR
IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR IMPLIED
WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR OTHERWISE,
OTHER THAN THOSE WARRANTIES OF SPECIFIC CALDWELL STATE BANK HAS EXPRESSLY
AGREED
Disclaimers Relating to Products and Services of
Third Parties
Caldwell State Bank may maintain on its Site one or
more electronic malls or market places, or otherwise make available hypertext
links, icons or marks of various merchants, suppliers and other companies
unrelated to Caldwell State Bank. Caldwell State Bank has provided these
hypertext links, icons or marks for User convenience and does not endorse or
accept responsibility for any such websites. Caldwell State Bank makes no
representations about any website User may access through its Site.
Any third party website linked to this Site is
independent for Caldwell State Bank and Caldwell State Bank has no control over
the products, services or information contained in or available through these
third party websites. The quality and dependability of these third party
websites may vary as they are updated or altered, and Caldwell State Bank does
not accept responsibility for monitoring or testing the quality or
dependability of these third party sites. Access to any third party websites
linked to this Site is at the User's own risk. Caldwell State Bank shall not be
considered an agent of any third party and Caldwell State Bank shall have no
responsibilities nor liabilities to any User regarding any action, omission, or
warranty of any kind concerning any third party, its products, services or
information. By providing hypertext links, icons, marks or other information of
a third party, or by advertising on the web pages of a third party, Caldwell
State Bank does not endorse, and shall have no obligation or liability
concerning, such third party's delivery, or non-delivery of its respective
goods, services or information, or the accuracy, adequacy, reliability,
completeness or timeliness of such goods, services or information. With regard
to services or products purchased, obtained or delivered by or to the User by a
third party provider, Caldwell State Bank makes no warranty of merchantability
or warranty of fitness for a particular purpose with regard to such service and
products and Caldwell State Bank specifically disclaims all other warranties
with regard to said services and products. Additional disclosures and
agreements relating to specific products and services of third party providers
are available from the site of the third party. Before dealing with any third
party, the User should read, understand and be satisfied with the terms and
conditions of such third party related to its products, services or
information.
Access to Site
Certain products and services available on the Site,
including CSBOnline Banking requires password(s), user id's, electronic
signatures, authentication certificate(s) or other authentication procedures to
assist in attributing an electronic record to a User ("Access
Authentication"). Such Access Authentication may be revised by Caldwell
State Bank or a third party provider from time to time without prior notice to
User. User shall be solely responsible for controlling and safeguarding its
Access Authentication to prevent disclosure to unauthorized person(s). Do not
display your password at or near your computer. Do not use numbers or names
that others can guess for your password. No Caldwell State Bank person will
ever need to know your password and you should not furnish it to anyone
claiming to represent Caldwell State Bank. You should exit Caldwell State Bank
Online Banking or any other secured site, as soon as you complete your
transaction. Do not leave your computer with your account information on the
screen. It is recommended that you close your browser after signing off from
Caldwell State Bank Online Banking, or any other secured site, to clear account
information from your browser's memory. You should treat your Access
Authentication as a valuable financial asset and be diligent in safeguarding it
from disclosure to unauthorized person(s). User shall be responsible for all
use of the Site accessed through User's Access Authentication. User hereby
ratifies and guarantees any obligation or transaction entered into or assumed
by others who access the Site through User's Access Authentication. User agrees
to promptly notify Caldwell State Bank, or the applicable third party provider,
of the loss or theft of User's Access Authentication.
Access to Site by Aggregator or Other Agent of User
If you share your user id and password with others,
such person(s) will be deemed to be your authorized agent(s) for accessing the
products and services on the Site, and you will be solely responsible for all
transactions they conduct, even if those transactions are beyond the scope of
the agreement you have with your agent. This includes any information obtained
or transactions conducted by an Aggregator, or person(s) who obtain your user
id and password through an Aggregator. An Aggregator uses a
method called screen scraping to collect your
Internet account information from various sources and consolidate it in one
place. You will be asked to provide your user ids and passwords for your
Internet accounts to the Aggregator to be maintained by the Aggregator and
used to access your Internet accounts. Whether or not to use an aggregation
service is a decision requiring careful review of the risks and of the specific
Aggregator providing the service. Since your confidential user id, password and
account information will be stored with the Aggregator, it is essential that
you have confidence in the Aggregator and its security, and be satisfied with
the terms of the Aggregator's privacy policy and user agreement. Caldwell State
Bank is not an Aggregator.
Transmission of Information to Bank
Any communication or material you transmit to us via
the Site or Internet electronic mail becomes the property of Caldwell State
Bank and may be used by Caldwell State Bank for any purpose within the limits
of our Privacy Policy. You may not transmit any obscene, libelous or defamatory
messages to us. All communications you send to us may be shared by Caldwell State
Bank with any of its affiliates unless you notify us to the contrary.
Governing Law
The Site is operated by Caldwell State Bank from its
headquarters in the State of Kansas. Caldwell State Bank of Kansas mak
es no representation that the information contained
in the Site complies with the laws of any other jurisdiction. The use of the
Site is governed by the laws of the State of Kansas without regard to principles of conflicts of laws.
Termination of Service
Caldwell State Bank reserves the right to deny or
terminate User's access to or use of the Site, or any service or product, in
Caldwell State Bank’s sole discretion, without notice and without limitation,
includin
