• Online Banking Agreement

Online Banking Agreement

Term and Conditions of Online Banking

Access
To use 21st Century Bank Online Banking, you must have at least one (1) Eligible Account with the Bank, access to internet services and an active e-mail address. Online Banking can be used to access only the Eligible Accounts for which you are a signer.

Hours of Accessibility
21st Century Bank Online Banking is available seven (7) days a week, twenty-four (24) hours a day. Some or all Online Banking services may be unavailable periodically for testing or installation of upgrades.

Transferring of Funds
You are responsible for ensuring that transfers are executed based on the “available balance”. The number of electronic transfers from a savings account is limited to (6) per statement cycle as described in our most recent Terms and Conditions of your account document.

Honoring of Transfers
21st Century Bank Online Banking does not require any intervention on the Bank’s part to process transfers. It is your responsibility to ensure that transfers are executed completely and that the transfers are valid. You control security password access to Online Banking, therefore, the Bank assumes the holder of the password has authorized all transfers. The Bank shall assume no liability for unauthorized transfers.

Protecting your Account
Your role in preventing misuse of your account information is extremely important. In addition to protecting your account information, you should also take precautions to protect your password. You are responsible for keeping your password and account data confidential. If you believe your password has become known to others, you should change it immediately.

Termination
21st Century Bank reserves the right to terminate your Online Banking privileges under this Agreement without notice to you for any reason, including but not limited to, your failure to comply with the applicable agreements governing your checking, savings or loan accounts or your failure to maintain your accounts in good standing. You may terminate use of 21st Century Bank Online Banking at any time by notifying the branch location nearest to you.