Hickory Point Bank and
Trust Online Agreement
Welcome to
Hickory Point Bank and Trusts Internet banking product, Hickory Point
and Click. Get ready to enjoy the convenience of banking anytime, from
anywhere! Best of all
its FREE!
Now you can
access your Hickory Point Bank accounts, view balances, transfer funds,
review your activity, make Hickory Point Bank loan payments, export your
account information to money management systems, and much more! You may want
to view a demo
or review the Frequently
Asked Questions (FAQs) before you sign up.
IMPORTANT
INFORMATION TO READ BEFORE YOU SIGN UP
After reading the
following information, please click on the I Agree button at the bottom of
this agreement to continue.
Hickory Point
and Click Services Agreement
This Agreement describes your rights and
obligations as a user of Hickory Point and Click ("Services"). It
also describes the rights and obligations of Hickory Point Bank. Please read
this Agreement carefully. By pressing the I Agree button below, you agree
to comply with the terms and conditions of this Agreement.
Definitions
The following definitions apply in this
Agreement. "Hickory Point and Click" is the Internet-based service
providing access to your account(s) under the terms set forth in this
Electronic Services Agreement; "Online Account" means any Hickory Point Bank
account from which you will be conducting transactions using a Service; and
"Password" is the code communicated to you by Hickory Point Bank for use
during the initial sign-on, or the code you select after the initial
sign-on, that establishes your connection to the Service. "Time of day"
references are to Central Standard Time or Central Daylight Time, as
applicable. "We," "us" or "Hickory Point Bank" refer to Hickory Point Bank
and Trust, which offers the Services, and which holds the accounts accessed
by the Services. You or Your refer to the person(s) or entity
subscribing hereto.
Access to Services
Hickory Point Bank will provide instructions
describing how to use Hickory Point and Click. You will gain access
to your Online Accounts through the use of your Internet-enabled device,
your Internet Service Provider, your User Code, and your Password.
Hours of Operation
The Services are available 24 hours a day,
seven days a week, except during special maintenance periods or any
unforeseen circumstance. For purposes of transactions, Hickory Point Bank's
business days are Monday through Friday, excluding holidays as determined by
Hickory Point Bank. All Hickory Point and Click transaction requests
received after 5:00 p.m. on business days, and all transactions, which are
requested on Saturdays, Sundays, or holidays on which Hickory Point Bank
chooses to remain closed, will be processed on the next Hickory Point Bank
business day. Hickory Point Bank's business day begins at 8:00 a.m.
Use of your Security Password
Hickory Point Bank communicates to you a
Password for use during the initial login; then for security purposes, you
are required to change your Password after the initial login. 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 agree not to allow anyone to gain access
to the Services or to let anyone know your Password used with the Services.
After three (3) unsuccessful attempts at authorization to use the system,
you must contact us to have your Password reset or to obtain a new temporary
Password. You agree to assume responsibility for all transactions up to the
limits allowed by applicable law.
Lost or Stolen Password
If your Password has been lost or stolen,
call Hickory Point Bank immediately at 866-242-6262, 8:00 a.m. to 5:00 p.m.,
Monday through Friday. Telephoning Hickory Point Bank is the best way of
minimizing your losses. If you believe your Password has been lost or stolen
and you telephone or write us within two business days after you learn of
the loss or theft, you can lose no more than $50.00 if someone uses your
Password without your permission. If you do not telephone or write us within
two business days after you learn of the loss or theft of your Password, and
we can prove we could have stopped someone from using your Password without
your permission if you had told us, you could lose as much as $500.00.
Banking Transactions with Hickory Point
and Click
The following Hickory Point and Click
transactions may be performed:
- Funds Transfers. You may use Hickory
Point and Click to perform unlimited funds transfers from your Hickory
Point Bank checking accounts or savings accounts to other Hickory Point
Bank checking accounts or savings accounts. You may also transfer from
your Hickory Point Bank checking or savings account to make loan payments.
Note: This Agreement imposes no restrictions on the number of transactions
from Hickory Point Bank accounts or the amounts which may be transferred,
but certain limits and restrictions on the frequency of transfers may be
applicable with respect to the particular types of accounts subject to
this Agreement, particularly Savings and Money Market Accounts. Please
refer to the disclosure documents you received at the time these accounts
were established for more detailed information on limitations and
restrictions applicable hereto.
- Balance Inquiries. You may use Hickory
Point and Click to check the current balance and other account
information on deposit accounts and loan accounts.
- Customer Service. You may communicate with
Hickory Point Bank by using your personal computer to send and receive
written messages electronically. Please refer to the "Send Us A Message"
option to send us your comments, questions, or concerns.
New services may be introduced for Hickory
Point and Click from time to time. Hickory Point Bank will notify you of
the existence of these new services. By using these services when they
become available, you agree to be bound by the rules that will be made
available to you concerning these services.
Statements
You will continue to receive your regular
account statement either monthly or quarterly, depending on the type of
account. If your statement shows transfers that you did not make, notify
Hickory Point Bank immediately by calling us at 866-242-6262, Monday through
Friday from 8:00 a.m. to 5:00 p.m. or writing us at:
Hickory Point Bank
Attention: Internet Customer Service
P.O. Box 2548
Decatur, Illinois 62525
If you do not notify Hickory Point Bank
within sixty (60) days after such statement that you question was mailed to
you, you will not recover any money lost which would not have been lost if
Hickory Point Bank had been notified in time.
Errors and Questions
In case of errors or questions regarding a Hickory Point and Click
transaction, call Hickory Point Bank at
866-242-6262, or write us at:
Hickory Point Bank
Attention: Internet Customer Service
P.O. Box 2548
Decatur, Illinois 62525
We must hear from you at the specified
telephone number or address no later than sixty (60) days after we sent you
the first statement on which the problem or error appeared. We will need:
- Your name and account
number (if any)
- A description of the
error or the transfer in question, and an explanation concerning why you
believe it is an error or need more information
- The dollar amount of the
suspected error
- The date on which it
occurred.
If the report is made orally, we may require
that you send the complaint or question in writing within ten (10) business
days from your initial contact. We will notify you with the results of the
investigation within ten (10) business days and will correct any error
promptly. If more time is needed, however, we may, at our sole discretion,
take up to forty-five (45) days to investigate a complaint or question. If
this occurs, we will credit your account within ten (10) business days for
the amount you think is in error. This will allow you to use the money
during the time it takes us to complete our investigation. If your complaint
or question is not received in writing within ten (10) business days from
your original contact, we may not credit your account until the
investigation is completed.
If we determine that no error occurred, we
will send you a written explanation within three business days after the
investigation is complete. You may request copies of the documents that were
used in the investigation.
Limit of Hickory Point Bank and Other
Provider's Responsibility
Hickory Point Bank agrees to make reasonable
efforts to ensure full performance of Hickory Point and Click.
Hickory Point Bank will be responsible for acting only on those instructions
sent through Hickory Point and Click, which are actually received,
and cannot assume responsibility for malfunctions in communication
facilities not under its control, which may affect the accuracy or
timeliness of messages you send. Hickory Point Bank is not responsible for
any losses should you give incorrect instructions, or if your payment
instructions are not given sufficiently in advance to allow for timely
payment.
Any information you receive from Hickory
Point Bank or Other Information Providers is believed to be reliable.
However, it can only be provided on a best-efforts basis for your
convenience and is not guaranteed. Hickory Point Bank is not liable for any
deficiencies in the accuracy, completeness, availability, or timeliness of
such information, or for any investment or other decision made using this
information.
Neither Hickory Point Bank nor Other
Information Providers are responsible for any computer virus or related
problems, which may be attributable to services provided by any Access
Service Provider.
You are responsible for obtaining,
installing, maintaining, and operating all computer hardware and software
necessary for performing Hickory Point and Click functions. Hickory
Point Bank will not be responsible for any errors or failures from the
malfunction or failure of your hardware or software. The limit of Hickory
Point Bank liability shall be as expressly set forth herein. Under no
circumstances will Hickory Point Bank be liable in contract, tort, or
otherwise for any special, incidental, or consequential damages, whether or
not foreseeable. By consenting to use the Services, you agree to waive any
and all right to any of the aforesaid, and you acknowledge that the limit of
your remedy is as otherwise expressly set forth herein.
Hickory Point Bank Responsibility to Its
Customers
Hickory Point Bank will be responsible for
your actual losses if they were directly caused by our failure to:
- Complete an Electronic Funds Transfer as
properly requested.
- Cancel an Electronic Funds Transfer as
properly requested.
However, we will not be responsible for your
losses if:
- Through no fault of Hickory Point Bank,
you do not have enough money in your account to make the transfer
- Through no fault of Hickory Point Bank,
the transaction would have caused you to exceed your available credit
- Circumstances beyond our control (e.g.,
fire, flood, power outage, equipment or technical failure or breakdown)
prevent the transfer, despite reasonable precautions that we have taken
- There is a hold on your account, or if
access to your account is blocked in accordance with banking policy
- Your funds are subject to legal process or
other encumbrance restricting the transfer
- Your transfer authorization terminates by
operation of law
- You believe someone has accessed your
accounts without your permission and you fail to immediately notify the
bank
- You have not properly followed the
scheduling instructions on how to make a transfer included in this
Agreement
- We have received incomplete or inaccurate
information from you or a third party involving the account or transfer
- We have a reasonable basis for believing
that unauthorized use of your Password or account has occurred or may be
occurring, or if you default under this Agreement, the Deposit Account
Agreement, a credit agreement, or any other agreement with us, or if we or
you terminate this Agreement.
There may be other exceptions stated in this
agreement and in other agreements with you. In no event shall we be liable
for damages in excess of your actual loss due to our failure to complete a
transfer, and we will not be liable for any incidental or consequential
damages. If any of the circumstances listed above shall occur, we shall
assist you with reasonable efforts in taking appropriate corrective action
to reprocess the transactions that may not have been completed or to correct
incorrect transactions that have been processed.
Electronic Mail
If you send Hickory Point Bank an electronic
mail message, Hickory Point Bank will be deemed to have received it on the
following business day. Hickory Point Bank will have a reasonable time to
act on your e-mail.
You should not rely on electronic mail if you
need to communicate with Hickory Point Bank immediately (e.g., if you need
to report an unauthorized transaction from one of your accounts, or if you
need to stop a payment that is scheduled to occur).
You agree that Hickory Point Bank may respond
to you by electronic mail with regard to any matter related to the Service,
including responding to any claim of unauthorized electronic funds transfer
that you make. Any such electronic mail sent to you by Hickory Point Bank
shall be considered received within three (3) days of the date sent by
Hickory Point Bank, regardless of whether or not you sign on to the Service
within that time frame.
Other Agreements
In addition to this Agreement, you and
Hickory Point Bank agree to be bound by and comply with the requirements of
the agreements applicable to each of your Online Accounts. Your use of the Hickory Point and Click service is your acknowledgment that you have
received these agreements and intend to be bound by them. You should review
other disclosures received by you when you open your accounts at Hickory
Point Bank, including the charges that may be imposed for electronic funds
transfers or the right to make transfers listed in the fee schedules
accompanying those disclosures.
Modifications to this Agreement
Hickory Point Bank may modify the terms and
conditions applicable to the Service from time to time upon mailing or
delivering a notice of the modifications to you at the address shown on our
account records, and the revised terms and conditions shall be effective at
the earliest date allowed by applicable law. We reserve the right to
terminate this Agreement and your use of the Services in whole or in part at
any time without prior notice.
Disclosure of information to Third Parties
We will disclose information to third parties
about your account or the transfers you make:
- Where it is necessary
for completing transfers
- To verify the existence
and condition of your account for a third party, such as a credit bureau
or merchant
- To comply with
government or court orders, or other reporting requirements
- If you give us your
written permission
Information concerning your account history
with Hickory Point Bank will be shared within the Hickory Point Bank
organization.
Inactivity/Termination
You are responsible for complying with all
the terms of this Agreement and with the terms of the agreement governing
the deposit accounts which you access using electronic banking services. We
can terminate your Hickory Point and Click privileges under this
Agreement without notice to you for any reason; or if you do not pay any fee
required by this Agreement when due, if you do not comply with the Agreement
governing your deposit or loan accounts, or your accounts are not maintained
in good standing. We will promptly notify you if we terminate this Agreement
or your use of the services for any other reason.
We may convert your account to inactive
status if you do not sign on to the Service or have any transaction
scheduled through the Service during any consecutive ninety (90) day period.
If your account is considered inactive, you must contact us to have the
Service activated before you will be able to schedule any transaction
through the Service.
To cancel Hickory Point and Click, you
must notify Hickory Point Bank and provide your name and the effective date
to stop the service. You may notify Hickory Point Bank by one of the
following methods:
- By initiating a customer
inquiry through our web site
- By calling toll free,
866-242-6262, 8:00 a.m. to 5:00 p.m., Mon - Fri
- By writing a letter and
sending it to the following address:
Hickory Point Bank & Trust
Attention: Internet Customer Service
P.O. Box 2548
Decatur, Illinois 62525
Governing Law
This Agreement is governed by the laws of the
State of Illinois and applicable federal law.
Fee Schedule
Hickory Point Bank offers the benefits and
convenience of Hickory Point and Click to you free of charge. Account
research and stop payment charges will be assessed at the rates published in
Hickory Point Banks Schedule of Service Fees.
These fees are subject to change. Hickory
Point Bank will notify you in writing regarding any fee changes at least
thirty (30) days in advance of the effective date of these changes.
|
