Protecting Personal Information. In addition to protecting your account information, you should take precautions to protect your personal identification information, such as your driver’s license, Social Security Number, etc. This information by itself or together with information on your account may allow unauthorized access to your account(s). It is your responsibility to protect personal information with the same level of care that you protect your account information. The password that is used to gain access to online banking services through CityNET should be kept confidential. For your protection, we recommend that you change your online password regularly. We recommend that you memorize your online password and do not write it down. You are responsible for keeping your password, account numbers and other account data confidential. If you believe that your online password has been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, notify CityNET customer service at once at ▇-▇▇▇-▇▇▇-▇▇▇▇. Notify us at once if you believe another person has improperly obtained your online password. Also notify us if someone has transferred or may transfer money from your Bank deposit account without your permission, or if you suspect any fraudulent activity on your account. Only reveal your account number to a legitimate entity for a purpose you authorize (such as your insurance company for automatic payments). If your online password has been compromised and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your online password without your permission to access a Bank deposit account. If you do NOT tell us within two (2) business days after you learn of the loss or theft, and we could have stopped someone from taking money without your permission had you told us, you could lose as much as $500. You may notify us by: • Calling CNB toll free at ▇-▇▇▇-▇▇▇-▇▇▇▇, Monday through Friday, 8:00 AM to 7:00 PM (Central Time), excluding federal holidays; or • Emailing us at ▇▇▇▇▇▇@▇▇▇▇▇.▇▇▇; or • Sending us a secure message through the CityNET’s secure messaging system; or • Writing to City National Bank & Trust, Attn: CityNET Banking Dept., ▇▇ ▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇ ▇▇ ▇▇▇▇▇-▇▇▇▇. • We may also limit the type, frequency and amount of transfers for security purposes and may change or impose limits without notice, at our option. • For your security, CNB may contact you by telephone to confirm transactions we deem high risk. • We make no representations that internet, mobile or text banking services will be available for use in locations outside of the United States, and accessing these serviced from locations outside of the United States is at your own risk. • We may amend our security procedures without prior notice if immediate changes are required for security reasons or the changes do not have a material effect on your use of CityNET. Managing Your Account City National Bank determines the ownership of accounts and beneficiary designation, if any, from the information in its records. We will rely on the information you provide. Changes you request to your account are not effective until the Bank has had a reasonable time to act. We make no representations as to the appropriateness of the account ownership selection or as to the appropriateness and effect of beneficiary designations, if any, except as such designation may determine to whom we pay the account funds. You are solely responsible for selecting the form of ownership of your account and for meeting any applicable requirements for establishing the desired form of ownership. See the Ownership of Accounts section of your Disclosure Booklet for additional information. Sending messages through CityNET is a secure way to communicate with the Bank. CityNET has provided secure messaging for you to ask questions about your account(s) or give comments on your online service. It is Our goal to respond to emails and messages within two (2) business days. If you need immediate attention you should contact customer service at ▇-▇▇▇-▇▇▇-▇▇▇▇, Monday through Friday from 8:00 AM until 7:00 PM and Saturdays 9:00 AM to 4:00 PM Secure messaging is accessible after you sign on with your password to a secure session of CityNET. To ensure the security of your account information, we recommend that you only use secure messaging when asking specific questions about your account(s). For your security, you may not use regular E-mail to initiate transactions on your account(s). For banking transactions, please use the appropriate functions within CityNET or call our customer service department during our normal business hours at ▇-▇▇▇-▇▇▇-▇▇▇▇. You may reset your own password via the login page of CityNET by clicking the “Forgot Password” box on the login page, or, you can visit your local branch with a valid ID and we will reset for you. Should you lock yourself out of your account, but you still know your password and login ID, you can have your login ID reset by contacting customer service during our normal business hours at at ▇-▇▇▇-▇▇▇-▇▇▇▇. You must know your Security Access Code in order to do so over the phone. If you do not know your Security Access Code, for your security, please visit any CNB branch with a with valid ID so we can confirm your identity. CityNET offers you the option of establishing various types of alerts for your accounts at no extra cost. With CityNET you can customize your Alerts around what matters to you. You can keep up with the status of accounts and monitor important activities. You can choose the specific Alerts that best fit your needs from our various categories including Account Alerts, Transaction Alerts, History Alerts, and Date Alerts. Alerts are sent via email or text messages as designated by you. You can manage your alerts seven days a week, twenty-four hours a day, by accessing CNB online at ▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇.▇▇▇ or through your Mobile Banking. Examples of some of the account transaction Alerts that are available to you are: • Whether your account balance goes above or below a certain number • When a deposit, withdrawal or check posts to your account • Notification of ATM withdrawals or debit card purchases that exceed a certain amount • Notifications of important dates, like birthdays or meetings Your role is also very important in protecting your account and personal information, and CityNET Alerts give you additional tools to help you do that. By utilizing our Security Alerts, you can stay informed when an external transfer is authorized, when actions have been taken related to your password or login ID, for example when an invalid password is submitted, when the “forgot password” process is initiated, or when your password or login ID have been changed or disabled. Alerts are not intended to replace your monthly account statements or any other communications we may provide to you regarding your accounts. You are responsible for contacting us with any changes to the email address or text message number you have designated to receive your Alerts. The Bank reserves the right to modify the types of Alerts we offer and to change the frequency or timing of Alerts.
Appears in 1 contract
Sources: Consumer Online Banking Agreement
Protecting Personal Information. In addition to protecting your account information, you should take precautions to protect your personal identification information, such as your driver’s license, Social Security Number, etc. This information by itself or together with information on your account may allow unauthorized access to your account(s). It is your responsibility to protect personal information with the same level of care that you protect your account information. Safeguard Your Online Password The password that is used to gain access to online banking services through CityNET should be kept confidential. For your protection, we recommend that you change your online password regularly. We recommend that you memorize your online password and do not write it down. You are responsible for keeping your password, account numbers and other account data confidential. If you believe that your online password has been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, notify CityNET customer service at once at ▇-▇▇▇-▇▇▇-▇▇▇▇. Unauthorized Transactions in Your Accounts Notify us at once if you believe another person has improperly obtained your online password. Also notify us if someone has transferred or may transfer money from your Bank deposit account without your permission, or if you suspect any fraudulent activity on your account. Only reveal your account number to a legitimate entity for a purpose you authorize (such as your insurance company for automatic payments). If your online password has been compromised and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your online password without your permission to access a Bank deposit account. If you do NOT tell us within two (2) business days after you learn of the loss or theft, and we could have stopped someone from taking money without your permission had you told us, you could lose as much as $500. You may notify us by: • Calling CNB toll free at ▇-▇▇▇-▇▇▇-▇▇▇▇, Monday through Friday, 8:00 AM to 7:00 PM (Central Time), excluding federal holidays; or • Emailing us at ▇▇▇▇▇▇@▇▇▇▇▇.▇▇▇; or • Sending us a secure message through the CityNET’s secure messaging system; or • Writing to City National Bank & Trust, Attn: CityNET Banking Dept., ▇▇ ▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇ ▇▇ ▇▇▇▇▇-▇▇▇▇. Additional Security Terms • We may also limit the type, frequency and amount of transfers for security purposes and may change or impose limits without notice, at our option. • For your security, CNB may contact you by telephone to confirm transactions we deem high risk. • We make no representations that internet, mobile or text banking services will be available for use in locations outside of the United States, and accessing these serviced from locations outside of the United States is at your own risk. • We may amend our security procedures without prior notice if immediate changes are required for security reasons or the changes do not have a material effect on your use of CityNET. Managing Your Account OWNERSHIP OF ACCOUNTS City National Bank determines the ownership of accounts and beneficiary designation, if any, from the information in its records. We will rely on the information you provide. Changes you request to your account are not effective until the Bank has had a reasonable time to act. We make no representations as to the appropriateness of the account ownership selection or as to the appropriateness and effect of beneficiary designations, if any, except as such designation may determine to whom we pay the account funds. You are solely responsible for selecting the form of ownership of your account and for meeting any applicable requirements for establishing the desired form of ownership. See the Ownership of Accounts section of your Disclosure Booklet for additional information. SECURE MESSAGING Sending messages through CityNET is a secure way to communicate with the Bank. CityNET has provided secure messaging for you to ask questions about your account(s) or give comments on your online service. It is Our goal to respond to emails and messages within two (2) business days. If you need immediate attention you should contact customer service at ▇-▇▇▇-▇▇▇-▇▇▇▇, Monday through Friday from 8:00 AM until 7:00 PM and Saturdays 9:00 AM to 4:00 PM Secure messaging is accessible after you sign on with your password to a secure session of CityNET. To ensure the security of your account information, we recommend that you only use secure messaging when asking specific questions about your account(s). For your security, you may not use regular E-mail to initiate transactions on your account(s). For banking transactions, please use the appropriate functions within CityNET or call our customer service department during our normal business hours at ▇-▇▇▇-▇▇▇-▇▇▇▇. PASSWORD AND LOGIN ID RESETS You may reset your own password via the login page of CityNET by clicking the “Forgot Password” box on the login page, or, you can visit your local branch with a valid ID and we will reset for you. Should you lock yourself out of your account, but you still know your password and login ID, you can have your login ID reset by contacting customer service during our normal business hours at at ▇-▇▇▇-▇▇▇-▇▇▇▇. You must know your Security Access Code in order to do so over the phone. If you do not know your Security Access Code, for your security, please visit any CNB branch with a with valid ID so we can confirm your identity. Alerts CityNET offers you the option of establishing various types of alerts for your accounts at no extra cost. With CityNET you can customize your Alerts around what matters to you. You can keep up with the status of accounts and monitor important activities. You can choose the specific Alerts that best fit your needs from our various categories including Account Alerts, Transaction Alerts, History Alerts, and Date Alerts. Alerts are sent via email or text messages as designated by you. You can manage your alerts seven days a week, twenty-four hours a day, by accessing CNB online at ▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇.▇▇▇ or through your Mobile Banking. Examples of some of the account transaction Alerts that are available to you are: • Whether your account balance goes above or below a certain number • When a deposit, withdrawal or check posts to your account • Notification of ATM withdrawals or debit card purchases that exceed a certain amount • Notifications of important dates, like birthdays or meetings Your role is also very important in protecting your account and personal information, and CityNET Alerts give you additional tools to help you do that. By utilizing our Security Alerts, you can stay informed when an external transfer is authorized, when actions have been taken related to your password or login ID, for example when an invalid password is submitted, when the “forgot password” process is initiated, or when your password or login ID have been changed or disabled. Alerts are not intended to replace your monthly account statements or any other communications we may provide to you regarding your accounts. You are responsible for contacting us with any changes to the email address or text message number you have designated to receive your Alerts. The Bank reserves the right to modify the types of Alerts we offer and to change the frequency or timing of Alerts. Examining Statements and Reporting Problems You agree to promptly and carefully review your account statement and any items reflected on the statement. You must report problems or unauthorized transactions to the Bank immediately. You agree that 60 days after the Bank sends a statement or makes items available is the maximum reasonable amount of time for you to review your statement or items and report any problem or unauthorized transaction related to a matter shown on the statement or items. By enrolling any accounts in E-Statements, you agree that the notice of availability constitutes delivery of such E-Statements for all purposes on the date of the notice. IF YOU DO NOT NOTIFY CITY NATIONAL BANK IN WRITING OF SUSPECTED PROBLEMS OR UNAUTHOIRZED TRANSACTIONS WITHIN 60 DAYS AFTER CNB SENDS YOUR STATEMENT OR MAKES ITEMS AVAILABLE, YOU AGREE THAT YOU CANNOT MAKE A CLAIM AGAINST THE BANK RELATING TO THE UNREPORTED PROBLEMS OR UNAUTHORIZED TRANSCTIONS, REGARDLESS OF THE CARE OR LACK OF CARE THE BANK MAY HAVE EXERCISED IN HANDLING YOUR ACCOUNT. In addition, if you fail to report an unauthorized transaction on your account within 60 days following the closing date of the statement containing information about the first unauthorized transaction, the Bank is not liable to you for subsequent unauthorized transactions on your account by the same person. For more information about your rights and responsibilities, see the section titled Disclosures for Electronic Fund Transfers in the Disclosure Booklet. Account Management Tools Practice responsible account management, keep track of your transactions and know how much money is in your account. Take advantage of these low-cost tools to manage your account, check balances and transfer funds when needed: CityNET online banking, mobile banking, text banking, and telephone banking. Additional options available include Pre-Authorized Overdraft Transfers and Overdraft Protection. Pre-Authorized Overdraft Transfers Pre-Authorized Overdraft Transfers are a convenient way to transfer funds from another CNB account into your checking account before it becomes overdrawn. You must enroll in Pre-Authorized Overdraft Transfers before your account is overdrawn. Funds may be transferred from another account such as a savings, money market, or additional checking account. Transfers are completed in increments of $100 and are subject to a $5 fee. Certain account types have restrictions on the number of monthly withdrawals or transfer. For additional information see the Pre- Authorized Overdraft Transfers section in the Disclosure Booklet. Overdraft Protection Overdrawing your account can be costly. If you occasionally have trouble tracking your balance and have ever overdrawn your account, you may want to consider Overdraft Protection. You must affirmatively consent to enroll in Overdraft Protection. Your Overdraft Protection limit (limit) is based on certain qualifications such as having regular, recurring monthly deposits. The Bank periodically reviews accounts for appropriate limits. You will be notified of the effective date, limit, or change to your limit. Transactions may not be processed in the order in which they occurred and the order may affect the total number of fees incurred. Each overdraft paid or returned is subject to a fee ($25), not to exceed five overdraft fees per day ($125), and will be deducted from your available Overdraft Protection limit. Every withdrawal, check, ATM withdrawal or any other electronic transaction, on an overdrawn account will be charged an overdraft fee. Overdraft fees will not be assessed if the end of day balance is overdrawn by less than $5. Overdraft items in excess of your limit may be paid or returned at the Bank’s discretion and assessed a fee. Even if Overdraft Protection is available, this does not guarantee all items that overdraw the account will be paid. Overdraft Protection will be suspended from your account if you fail to bring your account to a positive balance within 30 days of the first overdraft for at least 1 business day. Overdraft Protection will be suspended if 10 or more items are returned in a statement cycle. A suspension is defined as the removal of an Overdraft limit until the account is returned to a positive balance and the account must remain positive for 5 days.For more information about overdrafts or returned items and the associated fees, or for further information about CNB’s account management options, visit your nearest City National Bank branch or contact the Overdraft Protection department by phone at ▇-▇▇▇-▇▇▇-▇▇▇▇ or by mail at City National Bank, Attention: Overdraft Protection Department, ▇▇ ▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. Additional information is also available in the Disclosure Booklet and the Consumer Deposit Accounts Brochure.
Appears in 1 contract
Sources: Consumer Online Banking Agreement