North Valley Bank
Your Casual E-Banker
Access Agreement for Businesses
II. Accessing Your North Valley Bank
Accounts through Your Casual E-Banker
B. Electronic Mail (E-mail)
D. New Services
E. Benefits of Using Your Casual E-Banker
III. Terms and Conditions
A. Your Online Password
B. Payment Account
C. Our Liability
D. Overdrafts: Order of Payments, Transfers, Other Withdrawals
E. Hours of Accessibility
F. Additional Terms and Conditions
IV. Your Casual E-Banker Payment
A. Using the Service
B. Bill Pay Fees
V. General Terms
A. Changes to Charges, Fees or Other Terms
B. Disclosure of Account Information
C. Questions or Error Correction on Your Casual E-Banker Transactions
D. Other General Terms
VI. Protecting Your Account
A. Preventing Misuse of Your Account
B. Unauthorized Transactions in Your Casual E-Banker Accounts
This Online Access Agreement ("Access
Agreement") for accessing North Valley Bank accounts through Your Casual
E-Banker explains the terms and conditions governing the online banking
services and bill pay offered through Your Casual E-Banker. By using the Your
Casual E-Banker Services, you agree to the terms and conditions of this Access
Agreement. Please read this Access Agreement carefully and in its
entirety. This Access Agreement will be
governed by and interpreted in accordance with the laws of the State of Ohio and the Federal laws and regulations of the United States. Each of your accounts at North Valley Bank is
also governed by the applicable account disclosure statement ("Deposit
Agreement and Disclosure") that was provided to you when you opened your
account(s). Please contact us for
additional copies of your applicable Deposit Agreement and Disclosure.
The terms "we,"
"us," "our," "Your Casual E-Banker,"
and "Bank" refer to North
Valley Bank. "You" "your"
and “user” refer to each person or
entity in whose name an account is maintained with the Bank or who holds an
ownership interest therein or exercises signing authority thereon.
The term "business
days" means Monday through Saturday, excluding Federal holidays.
Your Casual E-Banker can be used to access your North
Valley Bank account(s).
Accessing Your North Valley Bank Accounts through Your Casual E-Banker
To access your account(s) through Your Casual E-Banker,
you must have a North Valley Bank account and a password to access your account
online. See Section III A of this Access
Agreement for more information regarding your online password.
Electronic Mail (E-mail)
Sending electronic mail (E-mail) through Your Casual
E-Banker is a way to communicate with the Bank. E-mail is provided for you to
ask questions about your account(s) and provide general feedback. E-mail is
accessible after you sign on with your online password to a session of Your
Casual E-Banker. Be advised that we will
not immediately receive an e-mail message sent by you. No action will be taken with respect to an e-mail
message sent by you until we actually receive it and have a reasonable
opportunity to act on it.
Be advised also that you cannot use E-mail to initiate
transactions on your account(s). For banking transactions, please use the
appropriate functions within Your Casual E-Banker or call 1-740-450-2265 or toll free 1-888-347-4355.
Internet Banking for Small
charge of $10.00.
service will include access to: Balance Reporting
among North Valley Bank accounts including loans
Incoming wire reporting
E-statements and check images
additional modules that can be added to Your Casual E-Banker:
Account Reconciliation - $5.00/month; and $2.00/month
for each additional user.
note that fees may be assessed by your internet service provider, cable or
phone company, or other third parties with respect to your accessing the
internet, which fees will be your responsibility.
Internet Banking with Cash
charge of $10.00.
service will include access to: Balance Reporting
Transfer Funds among North Valley Bank
accounts including loans
Incoming wire reporting
E-statements and check images
additional modules that can be added to Your Casual E-Banker;
Reconciliation - $5.00/month, Wire Transfer Module*(additional activity fees
apply) - $5.00/month, ACH Origination Module**(additional activity fees apply)
- $5.00/month; and $2.00/month for each additional user per service.
monthly and transaction fees set forth in your Deposit Agreement and Disclosure
will apply. See also Section IV for a
description of Bill Pay fees.
note that fees may be assessed by your online service provider or other third
parties, which fees will be your responsibility
Wire Transfer Module *
addition to Monthly Module Fee
Per Wire Originated
addition to Monthly Module Fee
Per file originated
Per ACH transaction
Per ACH NOC transaction
Per Incoming ACH addenda
Per Incoming ACH EDI
Per ACH Return
Valley Bank may, in its sole discretion, from time to time, introduce
new online or internet-based services. We will notify you of any new online
services and the rules governing those services. By using these services when
they become available, you agree to be bound by the rules communicated to you
concerning these services.
Benefits of Using Your Casual E-Banker
With Your Casual E-Banker, you can manage your personal or
small business accounts from your home or office on your personal computer. You
can use Your Casual E-Banker to:
View account balances and review transaction
Transfer money between accounts (subject to the
applicable account Deposit Agreement and Disclosure).
Pay bills to merchants, institutions or
Communicate with North Valley Bank through E-mail.
III. Terms and Conditions
The first time you access your
North Valley Bank account(s) through Your Casual E-Banker, you will be required
to acknowledge your agreement to be bound by all the terms and conditions of
this Access Agreement and to also acknowledge your receipt and understanding of
this Access Agreement and the disclosures set forth herein. Please review this Access Agreement
You will be given an online Password that is required for
you to access your North Valley Bank accounts for Your Casual E-Banker. This
password can be changed within Your Casual E-Banker using the options button. We recommend that you immediately change
your password when you first log in,
and changing your password every
forty-five (45) days thereafter. North Valley Bank will act on instructions
received under your password. For security purposes, it is recommended that you
memorize this online password and do not write it down. Your password is a
minimum length of eight (8), which will contain letters and at least one number
and one special character (examples of special characters include !, $, &,
and *) excluding >, < and ‘.
Examples of appropriate types of passwords: cfi8adg$, 8nor&val and
brd7$bbd. You would never want to use
the word “password” as your password. If
you change it to p@7sw0rd!, you’ve got something that would take some time to
crack but is fairly simple to remember. You are responsible for keeping your password,
account numbers and other account data confidential. Failure to do so could result in unauthorized
access and use of, and/or loss to, your account(s).
Although there are no additional fees for accessing your
accounts through Your Casual E-Banker, you may be asked to designate a payment
account for selected services such as Bill Pay. You agree to pay promptly all
fees and charges for services provided under this Agreement, and authorize us
to charge the account that you have designated as the payment account or any
other account for the fees.
If you close the payment account, you must notify North
Valley Bank and identify a new payment account for the selected services.
Additionally, if you close all North Valley Bank accounts, you must notify
North Valley Bank Customer Service to cancel the Your Casual E-Banker services.
Your online access may be canceled at any time without
prior notice due to insufficient funds in one of your accounts. After
cancellation, Your Casual E-Banker services may be reinstated, once sufficient
funds are available in your accounts
to cover any fees and other pending transfers or debits. In order to reinstate
your services, you must call North Valley Bank Customer Service at 1-740-450-2265 or toll free at
If you do not access your North Valley Bank accounts
through Your Casual E-Banker for any (1) one year period, North Valley Bank
reserves the right to disconnect your service without notice. Please note that
your bill payment information will be lost if you are disconnected.
You are responsible for any cost, charge or expense
incurred by you in accessing your North Valley Bank accounts through Your
Casual E-Banker, including without limitation any cost, charge or expense
imposed by your internet service provider.
If you wish to cancel any of the North Valley Bank
services offered through Your Casual E-Banker, please contact North Valley Bank
Customer Service at 1-740-450-2265 or
toll free at 1-888-347-4355 or send us cancellation instructions in writing
to North Valley Bank, PO Box
1115, Zanesville OH. 43702-1115.
If we do not complete a transfer
or other transaction initiated through Your Casual E-Banker from your consumer
account on time or in the correct amount according to our agreement, then we will
be liable to you for your losses or damages incurred as a direct result of our
failure. However, there are exceptions
to our liability. WE SHALL NOT BE LIABLE
FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES IN ANY
WAY RELATING TO OUR CASUAL E-BANKER. We
will also not be liable for the following:
* If any transfer or transaction would be in
excess of the credit limit for the account.
* If your account is closed or if
it has been frozen.
* If your equipment or ours was not working
properly and the breakdown should have been apparent to you when attempting to
initiate the transaction.
* If any electronic terminal,
telecommunication device or any part of the electronic fund transfer system is
not working properly.
* If you have not given us complete, correct or
current account numbers or information or other identifying information so that
we can complete the transaction.
* If you do not properly follow our
instructions or if you provide us with wrong or inaccurate information or fail
to correct or inform us of any inaccuracy of which you are aware.
* If you do not instruct us soon enough for
your transfer or transaction to be timely received and credited.
* If the funds in the account from which a
transfer or transaction is to be made are subject to legal process or other
claim restricting the transfer or transaction.
* If you, or anyone you allow to
access your account, commits any fraud or violates any law or regulation.
* If circumstances or persons beyond our
control prevent, delay, intercept or alter the transaction, despite reasonable
precautions that we have taken.
Overdrafts: Order of Payments, Transfers, Other Withdrawals
If your account has insufficient funds to perform all
electronic funds transfers (ATM withdrawals, pre-authorized transactions, Your
Casual E-Banker transfers and bill payments, etc.) that you have requested for
a given business day, then:
electronic funds transfers involving currency disbursement, like ATM
withdrawals, will have priority, and
electronic funds transfers initiated through Your Casual E-Banker may result in
an overdraft of your account and may, at North Valley Bank's discretion, be
In addition, you will be charged the same overdraft
charges that apply to your account.
You can access your North Valley Bank accounts through
Your Casual E-Banker seven days a week, 24 hours a day. However, at certain
times, some or all of Your Casual E-Banker may not be available due to system
maintenance. You will be notified through Your Casual E-Banker when this
A transfer initiated through Your Casual E-Banker before
7:00 P.M. Monday through Friday or 2:00 P.M. on Saturday is posted to your
account the same day. All transfers completed after these times on a business
day or on Sunday or on a Federal holiday, will be posted on the next business
Our business days are Monday through Saturday. Sunday and Federal holidays are not included
as a business day.
Additional Terms and Conditions
Obtaining Account Balance and Transaction History - You
can obtain balance and transaction history on all eligible accounts through
Your Casual E-Banker. Current balance
and activity information is available as of the time of your logon to Your
Casual E-Banker and is up-to-the-minute with the bank’s records.
Transferring Funds - The number of transfers from a
savings account is limited as described in the applicable Deposit Agreement and
Disclosure. If a hold has been placed on deposits made to an account from which
you wish to transfer funds, you cannot transfer the portion of the funds held
until the hold expires.
Your Casual E-Banker Payment Service allows you to
schedule bill payments through Your Casual E-Banker. You can schedule, at your
option, for the payment of your current, future and recurring bills from any of
your North Valley Bank checking accounts. There is no limit to the number of
payments that may be authorized. You may pay any merchant or individual through
the use of Your Casual E-Banker. We are unable to process any payment of taxes,
court-directed payments such as alimony, child support, speeding tickets, etc,
or payments to payees outside the United States through Your Casual
E-Banker Bill Payment Services.
By furnishing us with the names of payees/merchants, you
authorize us to follow the payment instructions to these payee/merchants that
you provide us through Your Casual E-Banker. When we receive a payment
instruction (for the current or a future date), we will remit funds to the
payee on your behalf from the funds in your selected checking account. When
Your Casual E-Banker receives a payment instruction, you authorize it to charge
your checking account and remit funds on your behalf so that the funds arrive
as close to the business day designated by you as reasonably possible. While it
is anticipated that most transactions will be completed on the exact day
designated, you agree that due to circumstances beyond the control of Your
Casual E-Banker, particularly delays in handling and posting payments
slow-responding companies or financial institutions, some transactions may take
a day or even a few days longer.
The Casual E-Banker allows you the convenience to make payments
to over 500 payees that will post on the same day. Payments are guaranteed to post on the same
day and are funded via ACH. Each payee
has a cutoff time for which all payments must be remitted in order for them to
be posted to your account. When you
select a payee and the cutoff time has passed, you will be warned that the
payment will not be posted on the same day.
You may decide to continue, the payment will be posted on the next
business day and you will be charged the same fee amount for the service. There are specific limits set with this
The maximum dollar amount for an individual payment
is $5,000.00. The maximum total dollar
amount a consumer can make in one day is $10,000.00.
The minimum dollar amount for an individual payment
The maximum number of payments you can make in one
day is (2) two.
Valley Bank’s Bill Pay service is provided to you by Online Resources Company
(ORCC). ORCC is committed to delivering
the same high quality service you have come to know and expect from North
Valley Bank. ORCC is under contractual
agreements with North Valley Bank in which they guarantee payments. ORCC’s Payment Guarantee
policy and terms are presented below in red:
If for reasons beyond your control or North Valley Bank’s control, a properly
scheduled payment is posted late through Your Casual E-Banker, ORCC will ensure
that late fees and finance charges are removed by the merchant (or paid by ORCC) and that your account at the merchant
is appropriately noted.
The Payment Guarantee provides unlimited
coverage for payments up to $25,000. It
is important to note, that the Payment Guarantee applies to late fees and
finance charges only. The Guarantee does
not cover losses incurred due to late payment or posting beyond standard late
fees and/or finance charges. For
example, if you submit a payment for a securities trade that was not paid or
posted on time, ORCC shall not be liable for the unrealized transaction.
The Payment Guarantee applies to late fees
and/or finance charges associated with late posting of a payment, provided the
following conditions are met:
1. The payment was
scheduled to be paid at least two or five business days prior to the due date,
excluding any grace periods. (The one
exception to this guideline is that mortgage payments should be scheduled to be
paid on or before due date. For example,
a mortgage payment due on July 1st, with a 15-day grace period, must
be scheduled for processing no later than July 1st). Two-day payments are remitted to electronic
merchants, and five-day payments are remitted to check merchants. Please note, “Today” payments are not
actually processed/remitted until the following business day. The “today” payment date is Day 0 (this is
the debit date). The payment processing
date (the next business date when the credit is remitted) is actually Day 1.
2. The information supplied is by you is correct
(payee name and address, user name and account name as it appears on the
In cases where ORCC assumes
responsibility for a late payment, late fees and/or applicable finance charges will be paid on
behalf of the user if the merchant is unable or unwilling to remove these
charges from the account.
Please note that this Payment Guarantee does not imply that
payments will be delivered, posted and credited to your account by the merchant
within two or five business days, since the post office controls the deliver
date and the merchant controls the actual posting date. Although ORCC cannot control these actions, ORCC does take responsibility for
paying late fees or finance charge penalties:
Reason for Late Payment
Responsibility for Paying Fees &
Lost, cannot determine reason
Not sent to payee as scheduled
Sent to wrong location
Posting delay by merchant
Intervention by BANK
Incorrect entry by BANK
Scheduled incorrect number of
days before due date
Incorrect account information
supplied by user
We will use our best efforts to process all your payments
properly. However, we shall incur no liability if we are unable to complete any
payments initiated by you through Your Casual E-Banker because of the existence
of any one or more of the following circumstances:
account does not contain sufficient funds to complete the transaction or the
transaction would exceed the credit limit of your overdraft protection account.
2. The Your
Casual E-Banker processing center is not working properly and you know or have
been advised by the service about the malfunction before you execute the
3. You have
not provided Your Casual E-Banker with the correct names or account information
for those persons or entities to whomever you wish to direct payment.
beyond the Your Casual E-Banker's control such as, but not limited to, fire, flood, or interference from an
outside force that would prevent the proper execution of the transaction, provided
Your Casual E-Banker has taken reasonable precautions to avoid those
Terminating the Service
You have the right to stop or change any scheduled
payment. You must cancel the payment by no later than 12 midnight (Eastern
Standard Time), the day prior to the Payment Date, by using the DELETE function
on the Your Casual E-Banker "Pending Payment" screen.
North Valley Bank reserves the right to terminate
or suspend your use of Your Casual E-Banker bill payment service in whole or
part, at any time without prior notice.
If, for any reason, you should ever wish to cancel Your
Casual E-Banker bill payment services, we strongly suggest that you cancel all
future bill payments at the same time that you cancel your service, either by
deleting those payments yourself using Your Casual E-Banker or calling North
Valley Bank's Customer Service at 1-888-347-4355
toll free or 1-740-450-2265. This will ensure that future payments and
transfers made by you will not be duplicated. We will automatically delete all
outstanding payment orders (all individual payments and all recurring payments)
once we have been notified that your service has been terminated. We will
continue to maintain your accounts until you notify us otherwise.
You agree to the fees and charges for your use of Your
Casual E-Banker BillPay as set forth in the current fee schedule. Fees will be charged to your payment account,
whether or not bill payments are made out of that account, or any other account
linked to Your Casual E-Banker payment services.
Additionally, you agree to pay any special charges in
effect as announced by the Bank from time to time. These charges are in
addition to the fees and service charges specified in your applicable checking,
savings, and overdraft protection account agreements (for example, uncollected
or overdraft charges on your checking account).
You agree to pay any additional charges for services you request, which
are not covered by this agreement. You
further agree to pay all taxes and governmental assessments now or hereafter
applicable to this Agreement, including, but not limited to, sales, use and
If the payment account has insufficient funds to cover
fees, the Bank may deduct the fee from any other account linked to Your Casual
E-Banker or any other account you hold with us (in any order we may choose). If
the fee cannot be paid, we may cancel your Bill Pay service. After
cancellation, your Bill Pay service may be reinstated by contacting North
Valley Bank Customer Service once sufficient funds are available in your
payment account to cover the bill payment fees and any other pending transfers
Changes to Charges, Fees or Other Terms
We reserve the right to change the charges, fees or other
terms described in this Agreement. However, when changes are made to any fees
or charges, we will notify you through Your Casual E-Banker, or send a notice
to you at the address shown on our records, or send you an electronic mail
message (E-mail). The notice will be posted or sent at least thirty (30) days
in advance of the effective date of any additional fees for online
transactions, or of any stricter limits on the type, amount or frequency of
transactions or any increase in your responsibility for unauthorized
transactions, unless an immediate change is necessary to maintain the security
of the system. If such a change is made, and it can be disclosed without
jeopardizing the security of the system, we will provide you with electronic or
written notice within thirty (30) days after the change. As always, you may
choose to accept or decline changes by continuing or discontinuing the accounts
or services to which these changes relate. We also reserve the option, in our
business judgment, to waive, reduce or reverse charges or fees in individual
situations. Changes to fees applicable to specific accounts are governed by the
applicable Deposit Agreement and Disclosure.
Disclosure of Account Information
You understand that in addition to information furnished
pursuant to legal process, some information about your accounts may
automatically be disclosed to others. For example, the tax laws require
disclosure to the government of the amount of the interest you earn, and some
transactions, such as certain large currency and foreign transactions, must be
reported to the government. The Bank may also provide information about your
account(s) to persons or companies the Bank believes would use the information
for reasonable purposes, such as when a prospective creditor seeks to verify
information you may have given in a credit application or a merchant calls to
verify a check you have written. In addition, the Bank routinely informs a
credit bureau when accounts are closed by the Bank because they were not
handled properly. The Bank may also seek information about you from others,
such as a credit bureau, in connection with the opening or maintaining of your
reviewed within the Casual E-Banker. For
additional information click on Privacy Link.
Questions or Error Correction on Your Casual E-Banker Transactions
In case of questions or errors about funds transfers
through Your Casual E-Banker involving your account(s), here is what you should
Contact North Valley Bank by:
Electronic mail (E-mail) at firstname.lastname@example.org;
Fax North Valley Bank at 1-740-450-2120;
Telephone North Valley Bank at 1-888-347-4355 toll free or 1-740-450-2265;
Write North Valley Bank at PO Box 1115, Zanesville OH 43702-1115,
as soon as you can if you think your statement
or transaction record is wrong, or if you need more information about a
transaction listed on the statement or transaction record
We must hear from you no later than sixty (60) days
after we have sent the first paper statement or electronic statement (if
enrolled) on which the problem or error appeared. If you notify us verbally, we
may require that you send us your complaint or question in writing within ten
(10) business days.
Tell us your name and account number
Describe the error or the transaction you are
unsure about, and explain why you believe it is in error or why you need more
Tell us the dollar amount of the suspected error.
For a bill payment, tell us the checking account
number used to pay the bill, payee name, date the payment was sent, payment
amount, reference number, and payee account number for the payment in question.
Here's what we
We will tell you the results of our investigation within
ten (10) business days, or twenty (20) business days in the case of point of
sale purchases, after we hear from you and will correct any error promptly. If
we need more time, however, we may take up to forty-five (45) days, or ninety
(90) days in the case of point of sale or international transactions, to
investigate your complaint or question. If we decide to take additional time,
we will credit your account within ten (10) business days, or twenty (20)
business days in the case of point of sale or international transactions, for
the amount you think is in error, so that you will have the use of the money
during the time it takes us to complete our investigation. If we ask you to put
your complaint or question in writing and we do not receive it within ten (10)
business days, we will not credit your account. If we determine that there was
no error, we will send you a written explanation within three (3) business days
after we finish our investigation and debit the amount of the error that we
previously credited, if applicable. You
may request copies of the documents that we used in our investigation.
Other Agreements - In addition to this Access Agreement
you agree to be bound by and will comply with the requirements of the
applicable Deposit Agreement and Disclosure, the Bank's rules and regulations,
the rules and regulations of any funds transfer system to which the Bank
belongs, and applicable State and Federal laws and regulations. We agree to be
bound by them also.
North Valley Bank Reserves the Right to terminate
this Agreement - The Bank reserves the right to terminate this Agreement and
your access to Your Casual E-Banker, in whole or in part, at any time without
Protecting Your Account
Preventing Misuse of Your Account
Your role is extremely important in the prevention of any
wrongful use of your account. You must promptly examine your statement upon
receipt. If you find that your records and ours disagree, or otherwise suspect
fraud or some other problem, you must immediately call North Valley Bank
Customer Service at 1-888-347-4355 toll
free or 1-740-450-2265.
Protecting Personal Information - In
addition to protecting your account information, you should also take
precautions to protect your personal identification information, such as your
driver's license number, Social Security Number, etc. This information by
itself or together with information on your account may allow unauthorized
access to your account(s). It is your responsibility to protect personal information
with the same level of care that you protect your account information.
Taking Care of Your Online Password - The
password that is used to gain access to Your Casual E-Banker should also be
kept confidential at all times. For your protection we recommend that you
change your online password at least every forty-five 45 days. It is
recommended that you memorize this online password and do not write it down.
You are responsible for keeping your password, account
numbers and other account and personal information confidential. If you believe
that your online password may have been lost or stolen, or that someone has
transferred or may transfer money from your account without your permission,
notify North Valley Bank Customer Service at once at 1-888-347-4355 toll free or 1-740-450.2265.
Unauthorized Transactions in Your North Valley Bank Accounts
Notify us immediately if you believe another person has
improperly obtained your online password. Also notify us if someone has
transferred or may transfer money from your account without your permission, or
if you suspect any fraudulent activity on your account. Only reveal your
account number to a legitimate entity for a purpose you authorize (such as your
insurance company for automatic payments). To notify us, call North Valley
Bank Customer Service at 1-888-347-4355
toll free or 1-740-450-2265, or write North Valley Bank, PO Box 1115, Zanesville
If your online password has been compromised and you tell
us within two (2) business days after you learn of the loss or theft, you can
lose no more than $50 if someone used your online password without your
permission to access a North Valley Bank deposit account. If you do NOT
tell us within two (2) business days after you learn of the loss or theft, and
we could have stopped someone from taking money without your permission had you
told us, you could lose as much as $500.
Also, if your statement shows withdrawals, transfers or
purchases that you did not make or authorize, please notify us immediately. If
you do not notify us within sixty (60) days after the paper statement was
mailed to you, and we could have stopped someone from taking money if you had
told us in time, you may not get back any money lost after the sixty (60) days.
If extenuating circumstances, such as a long trip or hospital stay, kept you
from telling us, the time periods in this section may be extended.
You agree to all of the provisions of this Access Agreement
by any of the following means: (i) clicking “I Accept” below, (ii) using Your
Casual E-Banker to access your account or perform any transaction, (iii)
physically signing this Access Agreement, or (iv) causing your company
representative to physically sign this Access Agreement, if you are a business