Internet Banking Agreement (Continued)
Types of Internet Banking Services: You may use the service with your Access ID and Password as follows:
> To pay bills from your checking account to third parties whom you have selected in advance to receive payment through Habersham Bank's Internet Banking in the amount and on the days you request.
> To transfer funds between your designated accounts.
> To receive balance information, activity information and any other information by electronic transmission of a visual display on selected bank accounts owned by you.
> To request Stop Payments on checks you have written on your bank accounts.
> To communicate with Habersham Bank via electronic mail for the purpose of account inquiries, maintenance and/or problem resolution issues.
Your Access ID and Password: We will provide you with a Access ID and Password, which you will use to obtain access to Habersham Bank's Internet Banking and your account information. You authorize Habersham Bank to follow any instructions you or your authorized agent, enter through Habersham Bank's Internet Banking using your Access ID and Password.
The Bill Payment Service: You may make payments through the Service to any business, merchant, or professional that generates a bill or invoice for products or services provided to you or on your behalf and that has an address we can verify. You may also make payments through Habersham Bank's Internet Banking to family members and individuals for nonbusiness purposes. We must have an address that can be verified. You may have up to 99 Payees. Payments may be made only to Payees with a U.S. payment address. You may not make a payment of alimony, child-support, taxes or other governmental fees or court-directed payments through Habersham Bank's Internet Banking.
You must provide sufficient information about each Payee, as we may request from time to time, to properly direct a payment to the Payee and permit the Payee to identify the correct account to credit with your payment.
A funds transfer performed on a business day between the hours of 9:00 a.m. and 5:00 p.m. ET will be immediately available. After 5:00 p.m. ET, the funds transfer may not result in immediate funds availability. If there are insufficient funds in an Account from which you are requesting a funds transfer, the transfer will not be performed.
Stopping, Canceling or Changing Bill Payments: You may use your PC to electronically change both the payment amount and the transaction date of any scheduled payment or to electronically cancel a payment. If you are unable to stop or cancel a payment through Habersham Bank's Internet Banking, you can request a stop or cancel a payment by calling Customer Service at 1-800-822-0316 or writing to us at Habersham Bank Customer Service, P.O. Box 1980, Cornelia, GA, 30531 in time for us to receive your request three business days or more before the transaction date. If you call, we may also require you to put your request in writing and to get it to use within fourteen days after you call. If you order us to stop a Recurring Payment three or more business days before the Transaction Date, and we do not do so, we will be liable for your losses or damages.
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