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Internet
Banking
If you would
like to talk with us about your enrollment,
please
call (307) 721-9100.
We are available Monday – Friday 9:00 a.m. to 5:00 p.m.
(Mountain Standard Time)
Thank you for your interest in the
Wyoming State Bank Online Banking Service.
Please read this agreement and print
it for your records before clicking on the "I Understand
and Agree" button at the bottom of this page.
This Internet Banking Service Agreement (“the Agreement”) explains the terms
and conditions governing the use of basic Internet
Banking Services offered by
Wyoming State Bank. All Internet Banking Services
offered by Wyoming State Bank (including, but not
limited to funds transfers)
will be referred to collectively as “Internet Banking
Services” in this Agreement. By using any of the
Internet Banking Services, you agree to abide by the
terms and conditions of this Agreement as well as the
Deposit Account Terms and Conditions, a copy of which
may be accessed by calling your branch. All Internet
Banking Services offered by Wyoming State Bank are
governed by this Agreement, as well as applicable
Federal Regulatory disclosures and the Deposit Account
Terms and Conditions of Wyoming State Bank.
INTERNET BANKING AGREEMENT
I agree that my use of
the Internet Banking Services will confirm that I have
completed and reviewed this Agreement and applicable
disclosures, both of which Wyoming State Bank may amend
from time to time. My initial use of any Internet
Banking Service in connection with my account(s) at
Wyoming State Bank constitutes my acceptance and
agreement to be legally bound by all of the terms and
conditions of the Agreement and of the Deposit Account
Terms and Conditions.
1.Internet Banking
Services
I have the Checking
and/or Savings account(s) with you set forth on my
application form. I hereby request that you issue to me
Login Codes to be used in connection with such accounts
as described in the Agreement. I understand I may use
Internet Banking to (1) transfer funds between accounts;
(2) obtain available balances on accounts; (3) obtain
the current balances on accounts; (4) obtain transaction
history on accounts. Internet Banking Services requires me to
have Internet access established.
2.
Identification Number and Password
I understand that my
Password or PIN can be used to expend funds from my
account and that this code must be safeguarded. I
authorize Wyoming State Bank and its agents to follow
any instructions transmitted by use of this code, and I
agree to be bound thereby. If accessing a business or
non-commercial account, I certify that I am authorized
to use the PIN or Password. Wyoming State Bank is
entitled to act upon instructions received through any
Internet Banking Service under my PIN or Password
without inquiring into the identity of the person using
the PIN or Password. However, I agree that I will not,
under any circumstances, disclose my PIN or Password to
any person. I acknowledge that no employee of Wyoming
State Bank needs or should ever ask for my PIN or
Password. I am liable for all transactions made or
authorized using my PIN or Password. Wyoming State Bank
has no responsibility for establishing the identity of
any person determining the validity of any transaction
received using my PIN or Password. If I provide my PIN
or Password to anyone, I authorize any transactions
carried out by that person. Wyoming State Bank assumes
all transactions authorized by my PIN or Password are
legitimate. I hereby indemnify and release Wyoming State
Bank from any and all liability and agree not to make
any claim against Wyoming State Bank or bring any action
against Wyoming State Bank in honoring or allowing any
actions or transactions where I have authorized the
person performing the action or transaction to use my
account or when I have provided my PIN or Password to
that person.
3. Liability for Unauthorized
Transactions
I agree to contact you
at once if I believe the Login Codes issued to me have
been lost or stolen. At any time, I may ask you to
disable my Access ID or Password and issue a new one to
me. I also agree that if my monthly statement shows
transactions which I did not make, and I do not contact
you within 60 days after the statement was mailed to me,
I risk the return of lost funds. I understand that if I
believe an unauthorized transfer from any of my accounts
has occurred, I will contact you by writing, calling or
e-mailing you at:
Wyoming State Bank
PO Box 700
3430 East Grand Avenue
Laramie, Wyoming 82073-0700
(307) 721-9100
4. Business Accounts
If I have a business account I am
liable for all transactions that occur on the account.
As the owner of the business account, I authorize all
transactions made by any other persons. As the owner of
the business account I agree to be liable for any other
parties designated (by being given the PIN or Password)
to conduct business on the account(s).
5. Multiple Accounts
For multiple accounts, each person
on a multiple party account will be liable for all
transactions that are made on that account. Each person
on a multiple party account authorizes all transactions
made by any other signer(s) on the account(s). Each
owner(s) on a multiple party account(s) agrees to be
liable for the actions of the other owner(s) on the
account. The limitations of liability set forth in this
Agreement are subject to, and limited by any state or
federal law to the contrary.
6. Charges
I agree to pay the
charges or transaction fees which are charged by you for
these services or for services which may later be
offered as such fees or charges may be imposed or
changed from time to time. Further, I agree to pay all
telephone charges or fees incurred by me in accessing
Internet Banking Services.
7.
Amendment of this Agreement
Wyoming State Bank has the right to modify or
terminate this Agreement or the Deposit Account Terms
and Conditions at any time. When making changes, Wyoming
State Bank will comply with all legal notice
requirements. Once this Agreement is terminated Wyoming
State Bank will not allow any additional transactions on
the account, nor will additional Internet Banking
Services be permitted. If this Agreement is modified, my
continued use of the Account will represent my
acceptance of the changes.
8. Disclosure
I hereby acknowledge that I
reviewed the Internet Banking Service
Disclosure & Agreement, informing me of my rights under
the Electronic Funds Transfer Act.
Internet Banking Disclosure Statement
The
purpose of this Disclosure Statement is to inform you of
certain rights that you have under the Electronic Funds
Transfer Act.
Please Note: In this
statement, the words "you" and "your" each refer to the
person who uses or is authorized to use Internet Banking
services. The words "we", "our" and "us" refer to The
Wyoming State Bank.
1. Internet Banking Services
You may access our Internet Banking service using
the personal Login Codes that we issue to you and
conduct the following transactions:
Transfer
funds between:
-
Checking account(s)
-
Savings account(s)
Make payments to:
Obtain the available balance(s) in:
Obtain the current balance(s) in:
Obtain transaction history from:
View
images of selected transactions from:
-
Checking account(s)
-
Savings account(s)
2. Banking Services
Our Internet Banking Service is available 24 hours a
day, 7 days a week. However, we only process
transactions and update information on business days.
Our Internet Banking transfer
business days are Monday through Friday, 8:00 p.m. MST.
Transfers made on weekends, holidays, scheduled in
advance or after 8:00 p.m. MST, will be processed on the
next business day.
3. Identification Number
and Password
Access to Internet Banking may be made
by personal computer. Access requires the use of a
unique Login and Personal Identification Number
(collectively, the "Login Codes") assigned by us. Your
use of Internet Banking with the Login Code authorized
by us will be deemed by us to be valid and authentic,
and you agree that any communications to us under your
Login Code will be given the same legal effect as
written and signed paper communications. You agree that
electronic copies of communications are valid and you
will not contest the validity of the originals, absent
proof of altered data or tampering.
4. Lost or
Stolen Login Codes
If you believe your Password or
other means of access have been lost or stolen or that
someone has used them without your authorization,
immediately change your Internet Banking Password. This
is done by accessing the Change Password option. To
change the Access ID you will have to contact us
immediately by writing, calling or E-mailing us at:
Wyoming State Bank
PO Box 700
3430 East Grand Avenue
Laramie, Wyoming 82073-0700
(307) 721-9100
Include in the message your name, address, telephone
number and a brief description of the problem. All
E-mail requests will be answered by close of the next
business day.
5. Charges for Transactions.
There is a charge to use bill pay for
any customers with a Basic Checking account.
Customers with a Basic Checking account will be charged
$.25 for each Bill Pay Transaction generated.
Please speak to a Wyoming State Bank Customer Service
Representative if you are unsure of the type of account
you are in or would like to switch accounts. Bill
Pay services are free to all other types of personal
checking accounts. Fees are subject to change.
We reserve the right to change our
fee schedule from time to time and to charge your
account, in accordance with the fee schedule that will
be provided to you, prior to assessment.
6. Record of Transaction
You will receive a monthly statement showing the
status of your account(s), transactions made during the
past month, and any charges, which we may impose for
such services or transactions.
7. Liability for
Unauthorized Transfers/Transactions
CONTACT THE BANK
IMMEDIATELY if you believe your Login Codes have been
lost or stolen. Change your password and contact us.
If you notify us of a loss, your liability for
unauthorized transfers or payments will be as follows:
If you contact us within two business days of
the loss or your discovery of the loss, you can lose no
more than $50.00 if someone used your Login Codes
without your permission.
If someone used your
Login Codes without your permission, you could lose as
much as $500 if you do not contact us within two
business days after you learn of the loss and we can
prove that we could have prevented the loss if you had
contacted us.
If your monthly statement shows
transfers or payments that you did not make and you do
not contact us within 60 days after the statement was
mailed to you, you may not get back any funds lost after
the 60 days, if we can prove that your contacting us
would have prevented those losses.
8. Your
Liability
You agree to the terms of this Internet
Banking Disclosure and the schedule of fees that may be
imposed. You authorize us to deduct these fees as
accrued directly from your account balance. You are
liable for all transactions that you authorize. If you
have given someone your Internet Banking Login Codes or
other means of access and want to terminate that
person's authority you must change your identification
number and password and make the Bank aware of your
intentions in writing. At any time, you may ask us to
disable your Access ID or Password and issue you a new
one.
9. Account Restrictions
Your name must
appear in the legal title to make transfers between
accounts. You may not transfer between accounts with
legal or signature restrictions. However, an account(s)
may be viewed if you are an authorized signer on the
account(s).
10. Limits on Internet Banking
Transactions
All transactions performed through our
Internet Banking Service will be considered a
Pre-authorized Electronic Funds Transfer.
11.
Our Liability for Failure to Complete Payments or
Transfers
If we fail to complete a transaction on
time or in the correct amount, when properly instructed
by you, we will be liable for damages caused by our
failure unless:
The account has been closed or is
not in good standing.
Your equipment or ours was
not working properly and the breakdown should have been
apparent to you when you attempted to conduct the
transaction.
You have not given us complete,
correct or current account numbers or other identifying
information so that we can properly credit your account
or otherwise complete the transaction.
You do
not properly follow our instructions or if you provide
us with wrong or inaccurate information or fail to
correct or tell us about any inaccuracy of which you are
aware.
You do not instruct us soon enough
for your payment or transfer to be received and credited
by the time it's due.
The funds in the account from which a payment or
transfer is to be made is subject to legal process or
other claims restrict the transaction.
Circumstances or persons beyond our control
prevent, delay, intercept or alter the transaction,
despite reasonable precautions that we have taken.
There are insufficient funds in your account to
complete the transaction.
We have reason to
believe that the transaction requested is unauthorized.
The failure was caused by an act of God, fire,
or other catastrophe, or by an electrical or computer
failure or by other causes beyond our control.
In any case, we shall only be liable for actual
proven damages if the failure to make the transactions
resulted from a bona fide error despite our procedures
to avoid such error.
12. Change of Terms
We reserve
the right to amend or terminate the services offered
from time to time and we will notify you a minimum of 30
days prior to any change by written notice to your last
known address.
13. Waiver of Agreement
Any
waiver of any term of this Agreement by us on occasion
will not prevent us from asserting our rights to these
terms in the future.
14. Termination
We will
disclose information about your account or the
transactions you make to third parties:
Where it is necessary to complete
transactions.
To verify the existence and
standing of your account with us upon the request of a
third party, such as a credit bureau.
In accordance with your written permission.
In order to comply with court orders or government or
administrative agency summonses, subpoenas, orders,
examinations and escheat reports.
And/or on receipt of certification
from a federal agency or department that a request for
information is in compliance with the Right to Financial
Privacy Act of 1978.
15. Our Policy and Pricing Guide and
Terms and Conditions on Deposit Accounts are available
at our banking office upon request.
16. In Case of Errors or
Questions About Your Electronic Transfers.
Telephone us or e-mail us at the number or e-mail listed
above as soon as possible, if you think you statement is
wrong or if you need more information about a transfer
listed on the statement. We must hear from you no
later than 60 days after we sent the FIRST statement on
which the error or problem appeared. You should:
(1) Tell us your name and account number (if any).
If using e-mail, please only give the last three digits
of you account number for security reason.
(2) Describe the error or transfer in question,
and explain as clearly as you can why you believe it is
an error or why you need additional information.
(3) Tell us the dollar amount of the suspected
error.
If you tell us orally, we may require
that you send us your complaint or question in writing
within 10 business days. We will determine whether
an error occurred within 10 business days (20 business
days if the error involves an EFT made during the first
thirty (30) days after the first deposit to the account
was made) after we hear from you and will correct any
error promptly. If we need more time, however, we
may take up to 45 days (90 days if the transfer involved
an EFT made during the first thirty (30) days after the
first deposit to the account was made) to investigate
your complaint or question. If we decide to do
this we will credit your account within 10 business days
(20 business days if the error involves an EFT made
during the first thirty (30) days after the first
deposit to the account was made) for the amount you
think is in error, so that you will have the use of
money during the time it takes us to complete our
investigation. If we ask you to put your compliant
or question in writing and we do not receive it within
10 business days, we may not credit your account.
We will tell you the results within
three (3) business days after completing our
investigation. If we decide that there was no
error, we will send you a written explanation. You
may ask for copies of the documents that we used in our
investigation.
A FULL
SERVICE BANK - ACCOUNTS INSURED TO $100,000.00 BY FDIC
Before agreeing, please Print This Page for your
records
By submitting this agreement, I acknowledge that
I have read and unequivocally accept these terms. This agreement as
written is the sole, exclusive and final agreement between the two
parties.
*Please note that it will take 3-5 business
days to receive your information in the mail after enrolling.
We are an
Equal Opportunity Employer
Copyright © 2006, Wyoming State Bank
Wyoming State Bank will not be held liable for typographical or
technical mistakes on this website. |
