Online Banking Disclosures, Terms and Access Agreement
Welcome to Ameristate Bank's Online Banking!
Now you can bank wherever there is an Internet connection. Whether you are at
home, the office, a hotel room or wherever you travel, you can access your
Ameristate Bank accounts.
All you need is access to the Internet using Internet Explorer (the latest version is highly recommended for your greatest
security) and a 128-bit Secure Sockets layer (SSL) encryption protocol.
The following information is provided in addition to your Depository Agreement,
Electronic Funds Transfer Disclosure Statement and your Truth in Savings
Disclosures. All of these agreements were received by you when you opened your
account by mail when they have been revised. You agree these remain in effect
and are binding on all online transactions. You should print and keep a copy of
this agreement for future reference.
Privacy and Confidentiality
Ameristate Bank is strongly committed to protecting your security and
confidentiality. To ensure the privacy of your account information while you are
online, you are only able to access your account with high security browsers.
You must also provide both your account number and your password. If no action
is taken within 15 minutes, you will be automatically logged off Online Banking.
You agree that Ameristate Bank is not responsible for any electronic virus that
you may encounter using Online Banking. Routinely scan your PC and diskettes
using any reliable virus protection product to detect and remove any viruses
From time to time, Ameristate Bank plans to expand the services we offer our
Online Banking customers. When such services become available, we will update
this agreement and notify you of the new service. By using Online Banking after
the new services are available, you agree to be bound by the terms contained in
the revised agreement.
Authorization To Charge Accounts
You are responsible for all transfers you or your authorized representative make
using Online Banking. You authorize us to debit your designated accounts(s) for
any transactions completed with Online Banking. You agree that we may comply
with transfer instructions entered by any one person using an authorized Access
Code and Password, regardless of the restrictions placed at the account level,
i.e., two signatures required or minor no withdrawal, etc.
If you permit another person to use Online Banking or give them your Access Code
and Password, you are responsible for transfers or advances made from the
deposit and loan accounts linked to your online applications even if that person
exceeds your authorization.
Funds must be available in the account from which you wish to transfer funds on
the date you enter the transaction.
Insufficient Funds to Complete Transfer
If your account does not have sufficient funds to complete a transfer, the
transfer will not be completed.
Restrictions on Transfers from Savings and Money Market Accounts
Under Federal Reserve Board Regulation D, you may make an unlimited number of
deposits or transfers into a savings or money market account; however, you may
not make more than six transfers or withdrawals out of such an account per
calendar month (not counting transactions made at ATM's, in-person transactions
or automatic transfers). Transfers made by telephone, personal computer or funds
automatically transferred from a savings or money market account to another
deposit account for overdraft protection are counted toward the six total
permitted monthly transfers or withdrawals. If you exceed the restrictions more
than three times during a 12-month period, we will close the savings or money
Correcting or Canceling Your Transfer
You cannot cancel your transfer after it has been entered into the Online
Banking System and the information has been transmitted to us. You can correct
information concerning a transfer before you send the information, and you can
use Online Banking to reverse a transaction after it has been made.
Documentation and Verification of Transfers
The date and amount of transfers made through Online Banking will be shown on
your printed statements for the accounts involved in the transaction.
Telephone Number for Notification of Unauthorized Use
If you believe your Access Code and/or password have become known by an
unauthorized person or that someone has transferred money without your
permission, call Ameristate Bank at: (405) 794-5511, during regular business
hours, as soon as possible.
Ameristate Bank does not currently charge a fee for setting up, maintaining or
using our Online Banking service. It is provided to your free of charge and we
will gladly answer your questions or concerns.
Termination or Discontinuation
In the event you wish to discontinue using Ameristate Bank's Online Banking,
contact Ameristate Bank in writing at P O Box 6309, Moore, OK 73153. We
may at any time, for any reason, terminate your Online Banking service. If you
do not use your Online Banking access for 90 days, your access will be
discontinued until you contact us.
By clicking on the "Accept" button, I agree that I have read and completely
understand the above Online Banking Disclosures.