Online Banking

Online Banking Agreement

First Central National Bank
103 S. Springfield St.  P.O. Box 730
St. Paris, OH 43072
937-663-4186  Fax: 937-663-5395

ON-LINE ACCESS AGREEMENT AND ELECTRONIC FUND TRANSFER DISCLOSURE
This Agreement between you and the First Central National Bank, 103 S Springfield St POB 730, St Paris, OH 43072, governs your use of our Internet (St. Paris Express) and Bill Payment services (the “Service”).   You represent and warrant that you are Authorized User acting with full authority, and that you are duly authorized to execute this Agreement. 

Definitions

Agreement - means these terms and conditions of the Internet, Bill Payment and Bill Delivery services.

Authorized User - is any individual, which you allow to use the Service or your password or other means to access your account.

Biller – is the person or entity to which you wish a Bill Payment to be directed or is the person or entity from which you receive electronic bills, as the case may be.

Billing Account - is the checking account from which all Service fees will be automatically debited.

Business Day
- is every Monday through Friday, excluding Federal Reserve holidays

Business Customer
- refers to anyone other than a Consumer who uses the Service primarily for business purposes.

Consumer
– refers to a natural person who uses the Service primarily for personal, family, or household purposes.

Due Date
- is the date reflected on your Biller statement for which the Bill Payment is due.  It is not the late date or grace period.

Laser Draft Payment
– is a payment method similar to a check written by you on your Payment Account.  Billers should receive Laser Draft Payments no later than the Scheduled Payment Date.  Funds remitted to the Biller are deducted from your Payment Account when the Laser Draft is presented to this Financial Institution for payment.  As a result, neither this Financial Institution nor its Service Provider(s) can control when your Payment Account will be debited for a Laser Draft Payment.

Payment Account
- is the checking account from which Bill Payments will be debited.  You must be a legal owner of any Payment Account registered for the Service.

Payment Instruction
- is the information provided by you to the Service for a Bill Payment to be made to the Biller (such as, but not limited to, Biller name, Biller account number, and Scheduled Payment Date).

Scheduled Payment
- is a Bill Payment that has been scheduled through the Service but has not begun processing.

Scheduled Payment Date
- is the day you want your Biller to receive your Bill Payment and is also the day your Payment Account will be debited (other than Laser Draft Payments, as described above), unless the Scheduled Payment Date falls on a non-Business Day in which case it will be considered to be the previous Business Day.

Service
– means the Bill Payment and Delivery services offered by the First Central National Bank through its Service Provider(s).   

Service Provider
- refers to the contractor, sub-contractor, or provider of our Bill Payment and Delivery services, CheckFree Services Corporation. You and your - refers to the owner of the Payment Accounts(s) and Billing Accounts(s) and person subscribing to or using the Service. Authorized User of the Service that such person allows.  

We, us, or our
– refers to the First Central National Bank and any agent, independent contractor, service provider, sub-contractor, licensor, designee, or assignee that the First Central National Bank may involve in the provision of Bill Payment and Delivery services.

Access
St. Paris Express can be used to access only the First Central National Bank accounts, which you have designated for access.  Access to your accounts through St. Paris Express will be based upon the identification of users and authority levels specified by you in your online enrollment form.  We undertake no obligation to monitor transactions through St. Paris Express to determine that they are made on behalf of the accountholder.

Hours of Access

You can use St. Paris Express seven days a week, twenty-four hours a day, although some or all of St. Paris Express services may not be available occasionally due to emergency or scheduled system maintenance.  We agree to post notice of any extended periods of non-availability on the St. Paris Express website.

Your Password

You determine what password you will use and the identity of your password is not communicated to us.  You agree that we are authorized to act on instructions received under your password.  You accept responsibility for the confidentiality and security of your password and agree to change your password regularly.   Upon three unsuccessful attempts to use your password, your access to St. Paris Express will be revoked.  To re-establish your authorization to use St. Paris Express, you must reset your own password online by completing the “reset” procedures.

You must create a password that utilized both upper and lower case alpha and numeric characters for purposes of security.  Your password should not be associated with any commonly know personal identification, such as social security numbers, address, date of birth, names of children, and should be memorized rather that written down.

Fees

Any applicable fees will be charged regardless of whether the Service was used during the billing cycle. There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize the Service to deduct the calculated amount from your designated Billing Account for these amounts and any additional charges that may be incurred by you.  Any financial fees associated with your standard deposit accounts will continue to apply.
You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider.

Requirements for Enrolling in the Service

In order to enroll in the Service:

  • You must have an Eligible Account with this Financial Institution.
  • Your account with us must be in good standing.
  • You must be 18 years of age or older.
  • You must be a resident of the United States or its possessions.
  • You must have a computer and Internet browser that will support 128-bit encryption. 
  • You will need Internet access through an Internet service provider (ISP).
  • You will need access to a printer and/or other storage medium such as a hard drive for downloading information or printing disclosures.
  • You will also need an external email address for the delivery of electronic notices and disclosures.

Prior to enrolling in the Service you should verify that you have the required hardware and software necessary to access the Service and receive electronic updates to this Agreement.
If we revise hardware and software requirements, and if there’s a material chance that the changes may impact your ability to access the Service, we will give you advance notice of these changes.  

Posting of Transfers
Transfers initiated through St. Paris Express before 2:00 p.m. (Eastern Standard Time) on a business day are posted to your account the same day.  Transfers completed after 2:00 p.m (Eastern Standard Time) on a business day, Saturday, Sunday or banking holiday, will be posted on the next business day.  St. Paris Express identifies transfers based upon the login ID of the user who made the electronic transfer.  Accordingly, you understand and acknowledge that the view postings screens in both the transfer and bill payer menu options of St. Paris Express will not reflect transfers make by multiple users from the same account if different login Ids are used.  You agree to communicate with any other persons with authorized access to your accounts concerning any transfers or bill payments from your accounts in order to avoid overdrafts.

Limits on Amounts and Frequency Transactions
The number of transfers from First Central National Bank accounts and the amounts, which may be transferred, are limited pursuant to the terms of the applicable deposit agreement and disclosure for those accounts.  If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.

Overdrafts
If your account has insufficient funds to perform all electronic fund transfers you have requested for any given business day, then: a.) Electronic funds transfers involving currency disbursements like ATM withdrawals, will have priority. b.) Electronic fund transfers initiated through St. Paris Express, which would result in an overdraft of your account, may, at our discretion, be canceled. c.) In the event the electronic fund transfers initiated through St. Paris Express, which would result in an overdraft of your account, are not canceled, overdraft charges may be assessed pursuant to the terms of the deposit agreement for that account.

Bill Payment and Transfer Limitations

You may use the Service to check the balance of your Eligible Account (s) and to transfer funds among your Eligible Accounts at this Financial Institution.  You must have sufficient funds in your account to cover the amount of any online transfers and Bill Payments on the scheduled payment date set for the transaction, or the transaction may not be processed.  NSF and/or overdraft charges may be incurred if Bill Payments exceed your account balance.   
Current federal regulations restrict the number of transactions that you can make from certain types of accounts, such as Money Market and Savings Accounts.  For these types of accounts, you may not make more than six (6) pre-authorized electronic transfers, which include computer initiated transfers, telephone transfers, checks, and point-of-sale transactions during a given monthly statement period. Transfers and Bill Payments authorized by personal computer through the Service are counted toward the six permitted monthly transfers. Bill Payments are considered third party transfers and are limited to three (3) transactions. Federal regulations currently place no limits on the number of transfers or Bill Payments from your Checking or Share Draft accounts, therefore this financial institution currently limits the Bill Payment Service to only Checking or Share Draft Accounts. 

Bill Payment Terms and Conditions

(A) Payment Scheduling
The earliest possible Scheduled Payment Date for each Biller (typically four (4) or fewer Business Days from the current date) will be designated within the Service when you are scheduling the Bill Payment.  Therefore, the Service will not permit you to select a Scheduled Payment Date less than the earliest possible Scheduled Payment Date designated for each Biller. 

When scheduling Bill Payments you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Biller statement unless the Due Date falls on a non-Business Day.  If the actual Due Date falls on a non-Business Day, you must select a Scheduled Payment Date that is at least one (1) Business Day before the actual Due Date.  Scheduled Payment Dates must be prior to any late date or grace period.

(B) The Bill Payment Service Guarantee
Due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by Billers or financial institutions, some transactions may take longer to be credited to your account.  Except as expressly stated otherwise within this Agreement, The Service Provider will bear the responsibility for any late payment related charges up to $50.00 should a Bill Payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines described under “Bill Payment Scheduling” in this Agreement.

(C) Payment Authorization and Payment Remittance
By providing the Service with names and account information of Billers to whom you wish to direct payments, you authorize us to follow the Payment Instructions received through the Service.  In order to process payments more efficiently and effectively, our Service Provider may edit or alter payment data or data formats in accordance with Biller directives.
When the Service receives a Payment Instruction, you authorize our Service Provider to debit your Payment Account and remit funds on your behalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you.  You also authorize our Service Provider to credit your Payment Account for payments returned to the Service by the United States Postal Service or Biller, or payments remitted to you on behalf of another Authorized User of the Service.
Our Service Provider will use its best efforts to make all your payments properly.  However, neither this Institution nor its Service Providers shall incur liability and any Bill Payment Service Guarantee shall be void if we are unable to complete any transactions initiated by you because of the existence of any one or more of the following circumstances:

1.  If through no fault of ours, your Payment Account does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit of your overdraft account (if applicable)

2. The Service and/or the payment processing center is not working properly and you know or have been advised by our Service Provider about the malfunction before you execute the transaction

3.  You have not provided the Service with the correct Payment Account information, or the correct name, address, phone number, or account information for the Biller

4.  Your Payment Account or Billing Account is closed

5.  If your computer, software, telecommunication lines were not working properly and this problem should have been apparent to you when you attempted the Bill Payment

6.  It can be shown that the Biller received the Bill Payment within the normal delivery timeframe and failed to process the payment through no fault of ours

7.  The Bill Payment request involves funds subject to hold, dispute, restriction, or legal process we believe prevents their withdrawal

8. We have reason to believe that you or any third party whose authorization we believe is not necessary, may not authorize a Bill Payment request

9.  Circumstances beyond control of the Service, our Service Provider, and this Financial Institution, (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and we have taken reasonable precautions to avoid those circumstances.

Provided none of the foregoing exceptions are applicable, if the Service causes an incorrect amount of funds to be removed from your   Payment Account, or causes funds from your Payment Account to be directed to a Biller, which does not comply with your Payment Instructions, our Service Providers shall be responsible for returning the improperly transferred funds to your Payment Account, and for directing to the proper Biller any previously misdirected transactions, and, if applicable, for any late payment related charges.

You can use the Service seven days a week, 24 hours a day, although some or all features may not be available occasionally due to emergencies or scheduled system maintenance.  In addition, access to the Service may be slower at times due to high Internet traffic or other factors beyond our control.  We are not responsible for any delays or difficulties you may have in accessing the Service or certain features.

(D) Payment Methods 
Our Bill Payment Service Provider reserves the right to select the method in which to remit funds on your behalf to your Biller. These payment methods may include, but may not be limited to, an electronic payment, an electronic to check payment, or a Laser Draft Payment.
If you do not have sufficient funds in your Payment Account when these items are presented for payment, this Financial Institution may return the items or overdraw your account.  Additional fees may be assessed for overdrafts and returned payments.  Additionally we may pass on fees assessed by our Service Provider for failed or returned transactions as further discussed within this Agreement.  You could also incur fees from a Biller for returned Laser Draft Payments.

(E) Payment Cancellation Requests
You may cancel or edit any Scheduled Payment (if processing has not begun) by following the directions within the Service. There is no charge for canceling or editing a Scheduled Payment.  However, once the Service has begun processing a Scheduled Payment it cannot be cancelled or edited, therefore a stop payment request must be submitted, as described within this Agreement.

(F) Bill Payment Stop Payment Requests 
The ability of this Financial Institution and its Service Provider to process a stop payment request will depend on the payment method and whether or not a check or Laser Draft Payment has cleared. We may also not have a reasonable opportunity to act on any stop payment request after a payment has been processed. If you desire to stop any Bill Payment that has already been processed, you must contact our Customer Service department at 937-663-4186. 
Although we will make every effort to accommodate your request, we will have no liability for failing to do so.  We may also require you to present your stop payment request in writing within fourteen (14) days.  The charge for each stop payment request will be the current charge for such service as set forth in our applicable fee schedule.

(G) Prohibited Payments
Payments to Billers outside of the United States or its territories are prohibited through the Service.

(H) Exception Payments
Tax payments and court ordered payments might be scheduled through the Service; however, such payments are discouraged and must be scheduled at your own risk.  In no event shall the First Central National Bank or its Service Provider(s) be liable for any claims or damages resulting from your scheduling of these types of payments.  The Bill Payment Service Guarantee as it applies to any late payment related charges is void when these types of payments are scheduled and/or processed by the Service.  Research of exception payments shall be limited to proof of payment and/or unauthorized payments only.  All other research and resolution for any misapplied, mis-posted or misdirected exception payments will be your sole responsibility.

(I) Returned Payments
In using the Service, you understand that Billers and/or the United States Postal Service may return Bill Payments to our Service Provider for various reasons such as, but not limited to, Biller’s forwarding address expired; Biller account number is not valid; Biller is unable to locate account; or Biller account is paid in full.  Our Service Provider will use its best efforts to research and correct the returned payment and return it to your Biller, or void the payment and credit your Payment Account.  You may receive notification from the Service of returned payments.

(J) Information Authorization 
Your enrollment in the Service may not be fulfilled if we cannot verify your identity and or other necessary information.  In order to verify ownership of the Payment Account(s) and/or Billing Account, we may issue offsetting debits and credits to the Payment Account(s) and/or Billing Account, and require confirmation of such from you.   Through your enrollment in the Service, you agree that our Service Provider reserves the right to request a review of your credit rating at its own expense through an authorized bureau.  In addition, you agree that our Service Provider reserves the right to obtain financial information regarding your account from a Biller or from this Financial Institution (for example, to resolve payment posting problems or for verification). 

(K) Biller Limitation
Our Service Providers reserve the right to refuse to pay any Biller to whom you may direct a payment.  Our Service Provider will notify you promptly if it decides to refuse to pay a Biller designated by you.  This notification is not required if you attempt to make a prohibited payment or an exception payment under this Agreement.

(L) Failed Transactions or Returned Transactions
In using the Service, you are requesting us to make payments for you from your Payment Account.  If we are unable to complete the transaction for any reason associated with your Payment Account (for example, there are insufficient funds in your Payment Account to cover the transaction), the transaction will not be completed.  In some instances, you will receive a return notice from the Service.  In such case, you agree that:

1.  You will reimburse our Service Provider immediately upon demand the transaction amount that has been returned

2.  For any amount not reimbursed to the Service Provider within fifteen (15) days of the initial notification, a late charge may be assessed each month against unpaid amounts equal to 1.5% or the legal maximum, whichever rate is lower

3.  You will reimburse our Service Provider for any fees, it may incur in attempting to collect the amount of the return from you; and

4.  Our Service Provider is authorized to report the facts concerning the return to any credit-reporting agency.

Bill Delivery and Presentment
This feature is for the presentment of electronic bills only and it is your sole responsibility to contact your Billers directly if you do not receive your statements.  In addition, if you elect to activate one of the Service’s electronic bill options, you also agree to the following:

(A) Information Provided to the Biller
Our Service Provider is unable to update or change your personal or business information such as, but not limited to, name, address, phone numbers and e-mail addresses, with the electronic Biller.  Any changes will need to be made by you, contacting the Biller directly.  Additionally, it is your responsibility to maintain all usernames and passwords for all electronic Biller sites. You also agree not to use someone else’s information to gain unauthorized access to another person or company’s bill.
Our Service Provider may, at the request of the Biller, provide to the Biller your e-mail address, Service address, or other data specifically requested by the Biller at the time of activating the electronic bill for that Biller, for purposes of the Biller informing you about Service and/or bill information.

(B) Activation
Upon activation of the electronic bill feature, our Service Provider may notify the Biller of your request to receive electronic billing information.  The presentment of your first electronic bill may vary from Biller to Biller and may take up to sixty (60) days, depending on the billing cycle of each Biller.  Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Biller.  While your electronic bill feature is being activated it is your responsibility to keep your accounts current.  Each electronic Biller reserves the right to accept or deny your request to receive electronic bills.

(C) Notification
Our Service Provider will use its best efforts to present all of your electronic bills promptly.  In addition to notification within the Service, our Service Provider may send an e-mail notification to the e-mail address listed for your account.  It is your sole responsibility to ensure that this information is accurate.  In the event you do not receive notification, it is your responsibility to periodically logon to the Service and check on the delivery of new electronic bills.  The time for notification may vary from Biller to Biller.  You are responsible for ensuring timely payment of all bills.

(D) Cancellation of Electronic Bill Notification
The electronic Biller reserves the right to cancel the presentment of electronic bills at any time.  You may also cancel electronic bill presentment at any time.  The timeframe for cancellation of your electronic bill presentment may vary from Biller to Biller.  It may take up to sixty (60) days, depending on the billing cycle of each Biller.  Our Service Provider will notify your electronic Biller(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery.  We will not be responsible for presenting any electronic bills that are already in process at the time of cancellation.

(E) Non-Delivery of Electronic Bill(s)
You agree to hold harmless, this Financial Institution and its Service Providers should the Biller fail to deliver your statement(s).  You are responsible for ensuring timely payment of all bills.  Copies of previously delivered bills must be requested from the Biller directly.

(F) Accuracy and Dispute of Electronic Bill
Neither this Financial Institution, nor its Service Provider(s) are responsible for the accuracy of your electronic bill(s). This Financial Institution and its Service Providers are only responsible for presenting the information received from the Biller.  Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Biller directly.
This Agreement does not alter your liability or obligations that currently exist between you and your Billers.

Documentation and Verification of Bill Payments
Information regarding Bill Payment transactions will be reflected in the payment activity section of the Service and in your regular monthly account statement(s). 

Provisions Applicable Only to Consumer and Sole Proprietors Deposit Accounts

In case of errors or questions about your Bill Payments, you should notify us as soon as possible through one of the following methods:

  1. Telephone us at 937-663-4186 during customer service hours;
  2. Write to us at: 103 S Springfield St.  P.O. Box 730, St Paris, OH 43072; or

If you think your statement is incorrect or you need more information about a Bill Payment listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears.  You must:

1.  Tell us your name, Service account number(s), and User ID;

2.  Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and,

3.  Tell us the dollar amount of the suspected error.

If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification.  We will tell you the results of our investigation within ten (10) Business Days after we hear from you, and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation.  If we decide to do this, we will provisionally credit your account within ten (10) Business Days for the amount you think is in error.  If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your account.

For errors regarding Bill Payments on new consumer accounts, we may take up to 90 days to investigate your complaint or question.  We may take up to 20 Business Days to credit a new account for the amount you think is in error.

If it is determined there was no error, we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. We may revoke any provisional credit provided to you if we find an error did not occur.

Consumer Liability for Unauthorized Transfers
Tell us AT ONCE if you believe your User ID or Password has been lost or stolen.  Telephoning is the best way of minimizing your possible losses.  You could lose all the money in your account (plus your maximum overdraft line of credit if applicable).

If you tell us within two (2) Business Days after you discover your password or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission.  If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your password or other means to access your account if you had told us, you could be liable for as much as $500.00.

If your monthly Financial Institution account statement contains transfers or Bill Payments that you did not authorize, you must tell us at once.  If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time.  If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period.

Additional Provisions Applicable Only To Business Customers

(A) Protecting Your Account
BUSINESS CUSTOMER(S) WILL BE SOLELY RESPONSIBLE FOR DESIGNATING ITS AUTHORIZED USERS.   BUSINESS CUSTOMER REPRESENTS AND WARRANTS THAT ITS AUTHORIZED USERS HAVE THE APPROPRIATE AUTHORITY TO INITIATE BILL PAYMENTS THROUGH THE SERVICE. 

BUSINESS CUSTOMER AUTHORIZES THIS INSTITUTION AND ITS SERVICE PROVIDERS TO ACT UPON, AND AGREES TO BE BOUND BY, ANY TRANSACTION, WHETHER OR NOT AUTHORIZED, THAT IS INITIATED WITH YOUR USER ID AND PASSWORD OR THE USER ID AND PASSCODE OF AN AUTHORIZED USER.  FURTHERMORE, ANY INSTRUCTIONS, DIRECTIONS, OR OTHER INFORMATION PROVIDED BY THE BUSINESS CUSTOMER, OR ANY OF ITS AUTHORIZED USERS, WILL BE DEEMED TO HAVE BEEN AUTHORIZED BY THE BUSINESS CUSTOMER. 

THIS FINANCIAL INSTITUTION AND ITS SERVICE PROVIDERS WILL NOT BE RESPONSIBLE FOR VERIFYING THE IDENTITY OR AUTHENTICITY OF ANY PERSON CLAIMING TO BE AN AUTHORIZED USER OF THE BUSINESS CUSTOMER. 

BUSINESS CUSTOMER ASSUMES ANY AND ALL LIABILITY ARISING FROM THE USE OR MISUSE OF THE SERVICE OR COMPANY ACCOUNTS BY ITS AUTHORIZED USERS.  BUSINESS CUSTOMER AGREES TO INDEMNIFY AND HOLD HARMLESS THIS FINANCIAL INSTITUTION AND ITS SERVICE PROVIDERS FOR ANY LIABILITY AND DAMAGES RESULTING FROM OUR ACTING UPON ANY DIRECTION, INSTRUCTION, OR INFORMATION THAT IS INITIATED WITH AN ACCESS ID AND PASSCODE OF AN AUTHORIZED USER.   

YOU AGREE THAT WE MAY SEND NOTICES AND OTHER COMMUNICATIONS, INCLUDING EMAILS, TO THE CURRENT ADDRESS SHOWN IN OUR RECORDS, WHETHER OR NOT THAT ADDRESS INCLUDES A DESIGNATION FOR DELIVERY TO THE ATTENTION OF ANY PARTICULAR INDIVIDUAL. YOU FURTHER AGREE THAT THE FIRST CENTRAL NATIONAL BANK AND/OR ITS SERVICE PROVIDERS WILL NOT BE RESPONSIBLE OR LIABLE TO YOU IN ANY WAY IF INFORMATION IS INTERCEPTED BY AN UNAUTHORIZED PERSON, EITHER IN TRANSIT OR AT YOUR PLACE OF BUSINESS. IN ADDITION, YOU AGREE TO

  • REQUIRE ALL AUTHORIZED USERS TO KEEP PASSCODES SECURE AND STRICTLY CONFIDENTIAL; AND
  • IMMEDIATELY NOTIFY US AND SELECT A NEW PASSWORD IF YOU OR YOUR AUTHORIZED USERS BELIEVE YOUR PASSCODES MAY HAVE BECOME KNOWN TO AN UNAUTHORIZED PERSON.

WE MAY DISABLE PASSWORD (S) OF AUTHORIZED USERS EVEN WITHOUT RECEIVING SUCH NOTICE FROM YOU, IF WE SUSPECT PASSCODES ARE BEING USED IN AN UNAUTHORIZED OR FRAUDULENT MANNER.

BUSINESS CUSTOMERS SHALL BE SOLELY RESPONSIBLE FOR THE DEVELOPMENT AND IMPLEMENTATION OF ALL COMMERCIALLY REASONABLE PROCEDURES TO CONTROL ACCESS TO THEIR COMPUTER SYSTEMS AND TO PROTECT ANY DATA FILES STORED THEREON. BUSINESS CUSTOMERS SHALL BE SOLELY RESPONSIBLE FOR ALL APPROPRIATE AND COMMERCIALLY REASONABLE, PHYSICAL, LOGICAL, AND NETWORK SECURITY SYSTEMS AND DEVICES TO PROTECT THE SECURITY OF DATA FILES MAINTAINED ON COMPUTER (S) USED TO ACCESS THE SERVICE AS WELL AS THE PROTECTION AGAINST UNAUTHORIZED ACCESS TO BUSINESS COMPUTERS, AND/OR NETWORKS USED TO ACCESS THE SERVICE. BUSINESS CUSTOMERS SHALL BE SOLELY RESPONSIBLE FOR ANY AND ALL LOSSES AND DAMAGES ARISING FROM ANY AUTHORIZED OR UNAUTHORIZED ACCESS TO THE SERVICE.

THIS FINANCIAL INSTITUTION AND ITS SERVICE PROVIDERS SHALL HAVE NO OBLIGATION, LIABILITY OR CONTROL, EITHER DIRECTLY OR INDIRECTLY CONCERNING THE BUSINESS CUSTOMERS’ SELECTION OF SECURITY SYSTEMS OR DEVICES FOR THE PROTECTION OF ANY DATA FILES OR COMPUTERS USED TO ACCESS THE SERVICES OR OVER BUSINESS CUSTOMERS DEVELOPMENT OR IMPLEMENTATION OF SECURITY PROCEDURES OR THE FAILURE OF BUSINESS CUSTOMER TO MAINTAIN SAID PROCEDURES.

(B) Commercially Reasonable Security Procedures of the Service
When you accept this Agreement and use the Service, you acknowledge and agree that the Service includes security measures, which are commercially reasonable.  You agree to be bound by our security procedures and instructions, which may be periodically updated.  You agree to review and implement all security procedures available in connection with the Service, including procedures to protect the confidentiality of your User IDs and passwords. You agree to notify this Financial Institution in the event that your use of the Service would necessitate or be better served by a level of security that exceeds that offered by the Service.  If you fail to notify this Financial Institution, you acknowledge and agree that the security aspects of the Service are appropriate for your needs and will provide you with a commercially reasonable degree of security against unauthorized use.

(C) Errors and Questions
In case of errors or questions about your transactions, you should as soon as possible notify us through one of the following methods:

  • Telephone us at 937-663-4186 during customer service hours;
  • Write us at: 103 S Springfield St  P.O. Box 730, St Paris, OH 43072

(D) Your Liability for Unauthorized Transfers
You must notify us of errors, discrepancies, or possible unauthorized payments as soon as possible upon learning of the discrepancy.  If you fail to notify us within sixty (60) days after you have received notice of an unauthorized or erroneous transfer or Bill Payment, The First Central National Bank will not owe you any interest on the amount in question, even if we are otherwise liable to you in connection with the transaction.
The First Central National Bank and its Service providers shall have no liability to you for any unauthorized payment or transfer made using your password that occurs before you have notified us of any possible unauthorized use and we have had a reasonable opportunity to act upon that notice.

If you fail to notify us of any discrepancy within one (1) year, you shall be precluded from asserting any such discrepancy against us.

(E) Limitation of Institution Liability
this financial institution and its Service PROVIDERS WILL be deemed to have exercised all due care and to have acted reasonably if we act in accordance with the terms of this Agreement and will be liable for loss sustained by you only to the extent such loss is caused by our misconduct.  This Financial Institution and its Service Providers will have no liability for any loss or damage:

  • Related to the dishonesty of the Business Customer’s employees, officers, agents or Authorized Users;
  • Resulting from any receiving financial institution’s failure to accept ANY PAYMENT or funds transfer request;
  • Resulting from any delay in the performance of this Agreement, which is caused by an act of God, fire or other casualty, electrical or computer failure, delays or failure to act by any carrier, medium or agent operating between THE First Central National Bank and third parties, or any other condition

outside of our control. 
If this Financial Institution and/or its Service Providers fail or delay in making a Bill Payment pursuant to your Payment Instruction, or if we make a payment in an erroneous amount which is less than the amount per your Payment Instruction, unless otherwise required by law our liability shall be limited to interest on the amount which we failed to timely pay, calculated from the date on which the payment was to be made until the date it was actually made or you canceled the Payment Instruction.

We may pay such interest either to you or the intended recipient of the payment, but in no event will we be liable to both parties, and our payment to either party will fully discharge any obligation to the other.  If we make a payment in an erroneous amount which exceeds the amount per your Payment Instruction, or if we permit an unauthorized payment after we have had a reasonable time to act on a notice from you of possible unauthorized use as described above, unless otherwise required by law, our liability will be limited to a refund of the amount erroneously paid, plus interest thereon from the date of the payment to the date of the refund, but in no event to exceed sixty (60) days interest.

If we become liable to you for interest compensation under this Agreement or applicable law, such interest shall be calculated based on the average federal funds rate at the Federal Reserve Bank in the district nearest to the First Central National Bank for each day interest is due, computed on the basis of a three hundred sixty (360) day year. 

No third party will have rights or claims against the First Central National Bank or its Service Providers under this Agreement.  The terms of this section will survive termination of this Agreement.

(F) Indemnification
Business Customer(s) and its Authorized Users will defend, indemnify and hold harmless the First Central National Bank and its Service Providers against and in respect to any and all loss, liability, expense and damage, including consequential, special and punitive damages, directly or indirectly resulting from: (i) the processing of any request received by the First Central National Bank through the Service, (ii) any breach of the provisions of this Agreement  (iii) any request for stop payment; (iv) any dispute between you and any third party in connection with the use of the Service; and (v) any and all actions, suits, proceeding, claims, demands, judgments, costs and expenses (including attorney’s fees) incident to the foregoing.  The terms of this section will survive termination of this Agreement.

Address, E-mail, or Payment Account Changes

It is your sole responsibility to ensure that the contact information in your user profile is current and accurate.  This includes, but is not limited to, name, address, phone numbers, and e-mail addresses.  Changes can be made either within the Service or by contacting our Customer Service Department at 937-663-4186.
Any changes in your Payment Account should also be made in accordance with the procedures outlined in the Service’s Help files.  All changes made are effective immediately for scheduled and future payments paid from the updated Payment Account information.

Neither this Financial Institution nor its Service Providers are responsible for any Bill Payment processing errors or fees incurred if you do not provide accurate Payment Account or contact information. 

Alterations and Amendments
This Agreement, applicable fees and service charges may be altered or amended from time-to-time.  In such event, we will provide notice to you.  Any use of the Service after we provide you a notice of change will constitute your agreement to such change(s). Further, we may, from time to time, revise or update the Service’s applications, features, and/or related material, which may render all such prior versions obsolete.  Consequently, we reserve the right to terminate this Agreement as to all such prior versions of the Service’s applications, features, and/or related material and limit access to only the Service's more recent revisions and updates.

Exclusions of Warranties and Limitation of Damages

THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS", “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
Notwithstanding our efforts to ensure that the Service is secure, we cannot and do not warrant that all data transfers via the Service will be free from monitoring or access by others.
You are solely responsible for the maintenance, installations, and operation of your computer.  neither This financial institution nor its service PROVIDER (s) Shall be responsible for any delays, errors, deletions, or failures that occur as a result of any malfunction of your computer or software.
THE FOREGOING SHALL CONSTITUTE THE FIRST CENTRAL NATIONAL BANK AND ITS SERVICE PROVIDER’S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY.  IN NO EVENT SHALL THE FIRST CENTRAL NATIONAL BANK or its service providers BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS OR ATTORNEY’S FEES (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE EQUIPMENT, SOFTWARE, AND/OR YOUR USE OF THE SERVICE.

Captions

The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.

Disputes

In the event of a dispute regarding the Service, you agree to resolve the dispute by looking to this Agreement.  You agree that this Agreement is the complete and exclusive statement of the agreement between you and us, which supersedes any proposal or prior agreement, oral or written, and any other communications between you and us relating to the subject matter of this Agreement.  If there is a conflict between what the employees, of this financial institution, and/or its Service Providers, say and the terms of this Agreement, the terms of this Agreement will prevail.

Your Right to Terminate
You may cancel your St. Paris Express service at any time by providing us with written notice by postal mail or fax.  Your access to St. Paris Express will be suspended within 3 business days of our receipt of your instructions to cancel this service.  You will remain responsible for all outstanding fees and charges incurred prior to the date of cancellation.

Our Right to Terminate

You agree that we can terminate or limit your access to St. Paris Express Services for any of the following reasons: 1.) Without prior notice, if you have insufficient funds in any one of your First Central National Bank accounts.  St. Paris Express service may be reinstated, in our sole discretion, once sufficient funds are available to cover any fees, pending transfers, and debits.  2.) Upon 3 business days notice, if you do not contact us to designate a new primary account immediately after you close your primary account.  3.) Upon reasonable notice, for any other reason in our sole discretion.

Governing Law and Relation to Other Agreements

Accounts and services provided by this Financial Institution may also be governed by separate agreements with you.  This Agreement supplements any other agreement(s) and/or disclosures related to your Eligible Account(s) and provided to you separately.
This Agreement shall be governed by and construed in accordance with federal laws and the laws of the State Ohio, without regard to its conflicts of laws provisions; provided, however, that any dispute solely between you and our Bill Payment Service Provider shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflicts of laws provisions.


  

Revised 11/12