State Bank of Hamburg
Online Banking

Enroll

Online Banking
Enrollment Disclosure

Please read the following agreement and click on “I Agree” if you agree with the information contained herein.
 
INTRODUCTION
This Agreement is a contract that establishes the rules that govern the electronic access to your accounts at State Bank of Hamburg through State Bank of Hamburg’s OnLine Banking System. By using the system, you accept all the terms and conditions of this agreement. Please read it carefully or print out for your records. The terms and conditions of the deposit agreements and disclosures for each of your Bank accounts as well as other agreements with State Bank of Hamburg, such as loans, safe deposit boxes, etc., continue to apply notwithstanding anything to the contrary in this Agreement. This Agreement will be governed by and interpreted in accordance with Federal laws and regulations, or to the extent there is no applicable Federal law or regulation, by the laws of the State of Minnesota.  By accepting below or otherwise using the service, you agree to use the service only for bona fide and lawful purposes permitted under this Agreement.
 
ACCESS
To use this service you must have access to the Internet using an Internet browser with 128-bit encryption. Secure e-mail is provided through the OnLine Banking service and is accessible after you log on to the service. Please be aware that general or public e-mail transmissions are not secure. Therefore, to ensure the security of your account information you are required to use the secure e-mail within the OnLine Banking system when asking specific questions about your account(s). E-mail cannot be used to initiate transactions on your account(s). For banking transactions, you must use the appropriate functions within the service or call State Bank of Hamburg customer service.
 
DEFINITIONS
As used in this agreement, the words we, our, us, and Bank mean State Bank of Hamburg. You and your refer to the accountholder(s) authorized by the Bank to use the system under this agreement, and anyone else authorized by accountholder to exercise control over accountholder(s) funds through the use of the system. The word system refers to State Bank of Hamburg’s OnLine Banking System. Account or accounts mean your account(s) at State Bank of Hamburg. Electronic Funds Transfers means any ATM withdrawals, pre-authorized transactions, point of sale transactions, and transfers to and from your bank account(s) using the system. Business day means any Monday through Friday, excluding Federal Holidays.
 
ENROLLMENT
Once we have received your OnLine enrollment form and verified your account information, we will send to you, by postal mail, confirmation of acceptance of your enrollment, along with your temporary User ID and temporary Password. The system initially allows access to accounts on which you are a primary or secondary owner. If you have other accounts that are not initially viewable you must contact the Bank if you would like access to them. We will then review the account to determine what access you are allowed based upon that account’s agreement.
 
USER ID / PASSWORDS
X785 _ _ _ _ (last 4 digits of your SSN/TIN) will be your initial User ID and you will be given a temporary password. For security purposes, you are required to change your User ID and password upon your initial log-in to the system. You determine the User ID and password you will use. Your User ID must contain at least 6 characters. It must have at least 1 alpha and at least 1 numeric or 1 special character. User ID’s are not case sensitive. Your Password must contain at least 9 characters. It must have at least 6 alpha, at least 2 numerics and at least 1 special character. Passwords are case sensitive and cannot contain any part of your name. The identity of the password is not communicated to us. Your password should not be associated with commonly known personal identification such as birth date, social security number, address, etc. Your password should be memorized, not written. You agree that we are authorized to act on instructions received under your password. You accept responsibility for the confidentiality and security of your password. You agree to change your password regularly. You agree to notify us immediately upon theft or compromise of your password or upon discovery of any transactions that you did not authorize. Upon three unsuccessful log-on attempts, your access to the system will be revoked. To re-establish access, you must contact us to have your password reset.  You can receive your new password at the bank or we can mail it to you.
 
SECURITY
You understand the importance of your role in preventing the misuse of your accounts through the system and agree to promptly examine your paper statement for each of your Bank accounts as soon as you receive it. You agree to protect the confidentiality of your account, account number and personal identification information such as your driver’s license number and social security number. You understand that identification information by itself, or along with account information, may allow unauthorized access to your account. Your User ID and password are intended to provide security against unauthorized entry and access to your accounts. We undertake no obligation to monitor transactions through the system to determine that they are made on behalf of the account holder. Data transferred via the system is encrypted to provide transmission security. The system utilizes identification technology to verify that the sender and recipient of any system transmissions can be appropriately identified by each other.
 
VIRUS PROTECTION
The Bank is not responsible for any electronic viruses that you may encounter. We encourage users to routinely scan their personal computers and diskettes using a reliable virus detection product. Viruses should be isolated and removed. Undetected and/or un-repaired viruses may lead to corrupted files, programs and even your hardware.
 
SYSTEM SERVICES
You can use the system to check the balance in your bank accounts, view bank account histories, order checks, download your history, transfer funds between accounts, make loan payments, and change your address, phone number or e-mail address.  Transactions initiated through the system before 2:00 PM Central Time on a business day will be posted to your accounts the same day. Transfers completed after 2:00 PM or on a non-business day (Saturday or Sunday, or Federal Holiday) will be posted to your account the next business day. You may use the system seven (7) days per week, twenty-four (24) hours per day. However, some or all system functions and services may not be available occasionally due to emergency or scheduled maintenance. Scheduled maintenance may occur on Wednesdays from 3:30 a.m. to 5:30 a.m. Central Standard Time. We agree to post notices on the system website or send you an e-mail if your e-mail address has been provided, if the system will be unavailable for any extended period of time.
 
FEES AND CHARGES
There is no charge to you for use of the OnLine Banking system. All other regular account service fees apply and will be deducted from the account you designated in your original account agreement. You are responsible for Internet and telephone service fees you incur in connection with your use of the system.
 
OVERDRAFTS (Posting Order of Transactions)
If your account has insufficient funds to perform all electronic transfers you have requested on a given business day, then:  Electronic funds transfers involving currency disbursements such as ATM withdrawals will have priority.  Electronic funds transfers through the OnLine Banking system that would result in an overdraft may be cancelled by us at our sole discretion (an NSF charge may be applied).  In the event that electronic funds transfers initiated through the system are not cancelled, and an overdraft results, overdraft charges will be assessed pursuant to the terms of the agreement on your accounts.  OnLine transactions may not take priority over checks posting on the account or on other ACH debits.  It is at the Banks discretion if an OnLine transaction will be accepted if insufficient funds would result.
You also authorize State Bank of Hamburg to charge any or all of your accounts to cover uncollected funds or overdrafts in your designated account(s). Refer to our Truth in Savings Disclosures (received when the account was opened) for further information.
 
LIMITS ON THE FREQUENCY AND AMOUNT OF TRANSACTIONS
The number of transfers, types of transfer from Bank accounts, and the amounts that may be transferred are limited pursuant to your applicable deposit agreement and disclosures for those accounts. Please see your disclosures for details (you received these disclosures when you opened the account). If a hold has been placed on the funds in your account, you cannot transfer any of the funds subject to the hold.
 
DISCLOSURE OF ACCOUNT INFORMATION
Information about your accounts and the transactions that you make will be disclosed to third parties only:
If it is necessary to complete the transaction.
It is necessary to verify the existence and condition of your account to a third party such as a merchant or credit bureau.
To comply with a governmental agency and/or court order.
If permission is given to us by you.
To collect information for internal use, the use of our service providers, and servicing agents and contractors for electronic funds services.
If involved in a claim by or against us concerning a deposit or withdrawal from your account.
Where otherwise required or permitted under state and federal laws.
 
PRIVACY STATEMENTS
State Bank of Hamburg  understands how important privacy is to our customers. We have taken steps to ensure the privacy and security of your personal and financial dealings with us. Our customer privacy statement may be obtained by clicking on the “Privacy Policy” link.
 
OTHER AGREEMENTS
In addition to this OnLine Banking Services Agreement, you agree to be bound by and will comply with the requirements of the applicable Deposit Account Agreement and Disclosure including your signature card and any change of terms notices, the Bank’s rules and regulations, the rules and regulations of any funds transfer system to which the Bank belongs, the terms of any credit agreements you have with the Bank and all applicable state and federal laws and regulations. We also agree to be bound by these terms.
 
PERIODIC STATEMENTS
You will not receive a separate OnLine Banking system statement. Transfers to and from your account will appear on your respective periodic paper statements for your Bank accounts.
 
CHANGE IN TERMS
We may change any term of this agreement at any time. If the change would result in an increased fee, increased liability to you, fewer types of transactions, or stricter limitations on the frequency or dollar amount of the transfers, we agree to give you notice at least 30 days before making the change. We need not give you notice if the change is necessary to maintain the security of your account or our electronic funds transfer system. We will post any required notice of change on our website, or forward it to you by e-mail or postal mail. If advance notice of the change is not required, we will notify you of the change in terms within 30 days after the effective date of the change. Your continued use of any or all of the system services subject to the change indicates your acceptance of the change in terms. We reserve the right to waive, reduce, or reverse charges and fees in individual situations. Any prior waiver, reduction of or reversal does not bind us to make a similar waiver, reduction or reversal in the future. You agree that applicable deposit agreements and disclosures govern any changes in fees applicable to specific accounts.
 
State Bank of Hamburg  may, from time to time, introduce new OnLine Banking services. We shall update this OnLine Banking Services Agreement to notify you of these new services. By using these services when they become available, you agree to be bound by the rules contained in this Agreement.
 
LIABILITY FOR FAILURE TO MAKE A TRANSFER
If we fail to make a transfer on time and/or in the correct amount, we will be liable to you for your losses or damages caused as a result. However, there are some exceptions. We will not be liable if, for instance: Through no fault of ours, you do not have enough money in your account to make the transfer.
If a legal order directs us to prohibit withdrawals from your account(s).
If your account(s) have been frozen or closed.
If the transfer will allow you to exceed your credit limit set up to cover overdrafts.
If you, or anyone authorized by you, commits fraud or violates any law or regulation.
If the electronic terminal, telecommunication device, or any other part of the system is not working properly, and you knew about the problem prior to making the transfer.
If you have provided us with incomplete or inaccurate information for the transfer.
If you have not properly followed the on screen instructions for use of the system.
If circumstances beyond our control, such as fire, flood, interruption in telephone service, interruption of electrical service, etc. prevent the transfer despite reasonable precautions we have made.
 
YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS
CONTACT US AT ONCE if you think your password has been lost, stolen, used without your authorization or otherwise compromised. Also contact us at once if someone has or you believe will transfer money from your account without your consent. An immediate telephone call to us is the best way to reduce any possible losses. You could lose all of the money in your account(s) plus your maximum line of credit, if any. If you contact us within two (2) business days after you learn of the loss of your PIN, password or other access device, you can lose no more than $50 if someone accesses your account without your permission. If you do not contact us within two (2) business days after discovery of the loss, theft, compromise, or unauthorized use of your password, User ID, PIN and/or other access device, and we prove that we could have stopped the unauthorized access to your account had we learned the information, your loss could be as much as $500. Also, if your paper statement shows transfers you did not make, contact us at once. If you do not notify us within sixty (60) days after the paper statement is mailed to you, you may not get back any money you lost through transactions made after the sixty (60) day time period, if we can prove that we could have prevented the loss if you had told us in time. If a good reason, such as a hospital stay or long trip, keeps you from notifying us, we may extend the time period.
 
DISCLAIMER OF WARRANTY AND LIMITATION OF LIABILITY
We make no warranty of any kind, express or implied, including warranty of merchantability, or fitness for a particular purpose, in connection with the system services provided to you under this agreement. We do not and cannot warrant that the system will operate without errors and/or that the system will be operational and available at all times. Except as specifically provided in this agreement, or otherwise required by law, you agree that our officers, directors, employees, agents, or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of your use of the system. Our officers, directors, employees, agents, or contractors shall not be liable for loss of profits, revenue, data or use by you or any third party, whether in an action in contract, tort or based upon a warranty, unless provided for in this agreement or required by law. Further, in no event shall the liability of the Bank and its affiliates exceed the amount paid by you for services provided you through the use of the system.
 
TERMINATION
You may cancel your system service at any time by providing us with written notice by mail or fax. Your access to the system will be suspended within three (3) business days of receipt of your instructions to cancel the service. You will be responsible for all fees and services outstanding and incurred prior to the date of cancellation. In the event that you close your account, you will also be responsible for ensuring that you have sufficient funds to cover any transactions incurred prior to termination of your service agreement and/or account closing. You agree that we can terminate or limit your access to system services under the following conditions:
Without prior notice, if you have insufficient funds in any one of your bank accounts. System service may be reinstated at our sole discretion once sufficient funds are available to cover any fees, pending transfers and debits.
Upon three (3) business days prior notice, if you have not contacted us to designate a new Primary Account immediately after you close your Primary Account.
Upon reasonable notice for any other reason under our sole discretion.
 
ELECTRONIC DELIVERY OF NOTICES
You agree that any notice or other type of communication provided to you pursuant to the terms of this agreement and any future disclosures required by law, including electronic funds transfer disclosures, may be made electronically by posting the notice on the OnLine Banking website or by e-mail. You agree to notify us immediately of any change in your e-mail address. I have read the attached OnLine Banking Services Agreement and Disclosure, and will abide by the terms and conditions of said Agreement.
 
CONTACT INFORMATION
State Bank of Hamburg
591 Park Ave
Hamburg, MN 55339
Phone: 952.467.2992
Fax: 952.467.2369

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