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Personal Disclaimer

In order to use County National Bank’s online banking, mobile banking and bill pay services, you will need to agree to the terms and conditions set forth in the Hillsdale County National Bank Electronic Banking Agreement, which is below. You will need an access ID and password to use County National Bank’s online banking, mobile banking and bill pay services. You must log into online banking at least once before you will be allowed to use mobile banking or bill pay.

If you would like immediate access to these services, please call 1-888-322-1088 or 517-439-4300 during County National Bank’s normal business hours, and County National Bank will provide you with an activation code to access online banking. After you use the activation code to access online banking, you will be required to create an access ID or password for future use with online banking, mobile banking and bill pay.

If you do not require immediate access to the services, County National Bank will mail you a temporary access ID and password that you must use to access online banking. You will not need a separate activation code. After your initial log in, you will be required to create a new access ID and password for future use of online banking, mobile banking and bill pay.

If you agree to the terms and conditions contained in the Hillsdale County National Bank Electronic Banking Agreement, please read the following two pages of terms and conditions. At the end of the second page, click the “I Agree” button. If you click “I Agree,” you will be able to use County National Bank’s online banking, mobile banking and bill pay services after your receipt of an activation code or temporary access ID and password. Use of County National Bank’s online banking, mobile banking, or bill pay service will be subject to the Hillsdale County National Bank Electronic Banking Agreement.

If you do not agree to these terms and conditions, please click the “I Disagree” button. You will not be able to use County National Bank’s online banking, mobile banking or bill pay services and will be returned to the homepage.

Please read the entire Hillsdale County National Bank Electronic Banking Agreement before clicking “I Agree.”

HILLSDALE COUNTY NATIONAL BANK ELECTRONIC BANKING AGREEMENT

This Hillsdale County National Bank Electronic Banking Agreement (“Agreement”) contains the terms and conditions that govern your use of Online Banking, Mobile Banking, and Bill Pay. The terms and conditions in this Agreement are in addition to those that apply to any Account or other service you have with us. You should print this Agreement or contact us for a copy. The current version of this Agreement can be viewed through Online Banking.

Before using Online Banking, Mobile Banking or Bill Pay you must: (a) consent to electronic delivery of disclosures, and (b) agree to the terms and conditions in this Agreement by clicking “I Agree” above. In addition, you automatically renew your acceptance of this Agreement each time you log in as a user of Online Banking or Mobile Banking and each time you use Online Banking, Mobile Banking or Bill Pay.

Each Authorized User will have a unique access ID and password and will be able to access and conduct transactions with Online Banking, Mobile Banking, and Bill Pay without the consent of any other Authorized User. Except as otherwise provided in this Agreement, you agree that we are authorized to act on instructions received through Online Banking, Mobile Banking or Bill Pay under any Authorized User’s access ID and password. Any owner of an Account can terminate Online Banking, Mobile Banking, and Bill Pay services with respect to that Account.

I. Definitions.

The terms “we,” “us,” “our,” “Bank” and “County National Bank” refer to Hillsdale County National Bank.

The terms “you” and “your” refer to the Bank customer who is entering into this Agreement.

“Account” or “Accounts” means your account or accounts enrolled for use with Online Banking, Mobile Banking or Bill Pay. In order to be enrolled for use with Online Banking or Mobile Banking, an account must be an open and active Bank checking, savings, certificate of deposit, or line of credit account. In order to be enrolled for use with Bill Pay, an account must be an open and active Bank checking account.

“Authorized User” means each owner of an Account and each individual who is an authorized signer for an Account.

“Bill Pay” means the service that we make available pursuant to this Agreement and that   allows you and other Authorized Users to make payments to designated third party payees from an Account that is a checking account. You can initiate Bill Pay transactions through Online Banking or Mobile Banking only.

“Business Day” is any day Monday through Friday, excluding federal public holidays.

“Electronic Funds Transfer” means a transfer that is initiated through Mobile Banking or Online Banking to debit or credit an Account that is a deposit account used primarily for personal, family or household purposes. The term does not include any transfer made through Fedwire or a similar wire transfer service, any transfer of funds between your Accounts, or any transfer between any of your Accounts and any of your family member’s accounts with us.

“Mobile Banking” means the service that we make available pursuant to this Agreement and that enables you and other Authorized Users to conduct banking transactions with user receive mobile alerts from us by using a Mobile Device.

“Mobile Device” means a cellular telephone or similar wireless communications device on which you or another Authorized User has installed Mobile Banking Software, or that is capable of conducting Mobile Banking transactions or receiving mobile alerts by using other protocols we may choose to permit.

“Mobile Banking Software” means the software downloaded in order to use Mobile Banking. We reserve the right to change the Mobile Banking Software and other protocols that we allow for Mobile Banking at any time without prior notice.

“Online Banking” means the service that we make available pursuant to this Agreement and that enables you and other Authorized Users to conduct banking transactions with us by using a personal computer.

II.Online Banking Terms and Conditions.

A. Access to Online Banking.

An Authorized User will need a personal computer and access to the Internet to use Online Banking. You are responsible for the installation, maintenance and operation of any software and computer. We will not be responsible for any errors or failures involving any telephone service, Internet service, software installation or your computer.

Occasionally, Online Banking may not be available. If we reasonably anticipate that Online Banking may be unavailable for an extended period of time, we will post a message on our website. However, we do not guarantee the availability of Online Banking on all computers, on all networks, or at all times. In no event, shall we be liable for any damages due to the inability to access Online Banking, any particular Online Banking function, to execute transactions through Online Banking, or to receive information through Online Banking.

B. Password and Access ID.

An Authorized User must use his or her access ID along with his or her password to access Online Banking. Each Authorized User is required to create a new access ID and password upon his or her initial login to Online Banking. The new password and access ID must contain no fewer than six (6) and no more than seventeen (17) characters. The new password shall use both upper and lower case characters as well as both alpha and numeric characters. Passwords and access IDs are case sensitive.

An access ID and password should not be associated with any commonly known personal identification such as social security number, address, date of birth, or names of relatives. The password should be memorized, not written down.

Authorized User will need to remember passwords and access IDs in order to access Online Banking. Passwords are not communicated to us. Upon three unsuccessful attempts to log in, access to Online Banking will be suspended until an Authorized User contacts us to have the password reset or to obtain a new temporary password. An Authorized User may contact a customer service representative at custserv@countynationalbank.com or call our Electronic Banking Department at 517-439-4300 or 888-322-1088 for assistance.

You agree not to disclose or otherwise make your access ID or password available to anyone, and you agree to ensure that other Authorized Users do not disclose or make their access IDs and passwords available to anyone. Except as otherwise provided in this Agreement, you agree that we are authorized to act on instructions received under any Authorized User’s access ID and password. You accept responsibility for the confidentiality and security of all access IDs and passwords. You agree that you will change your password regularly, that all other Authorized Users will change passwords regularly, and that all future passwords will comply with the requirements set forth above.

C. Types of Transactions.

An Authorized User may use Online Banking to:

·         Transfer funds between Accounts, except that funds cannot be transferred to or from an Account that is a certificate of deposit;

·         Review balances, transaction histories and tax information for Accounts;

·         Download Account information to financial management software programs that you have obtained separately from a third party (i.e., Quicken® or Microsoft® Money, QuickBooks®, or Microsoft Excel®);

·         Initiate payments through Bill Pay; and

·         Stop payment on checks written on and an automated clearing house (ACH) transaction from an Account that is a checking account or a savings account.

Transactions involving a deposit account, including checking account stop payment requests, will be subject to the terms of the applicable deposit account agreement and disclosures. Transactions involving a line of credit account will be subject to the terms of the applicable loan agreement and the disclosures we previously provided to you.

D. Posting of Transfers.

Transfers, other than Bill Pay transfers, received through Online Banking before 4:00 p.m. (Eastern Time) on a Business Day are posted to the Account the same day. Transfers, other than Bill Pay transfers, received after 4:00 p.m. (Eastern Time) on a Business Day or on a day that is not a Business Day, will be posted on the next Business Day. You agree that Authorized Users will communicate with one another concerning any transfers from the Accounts in order to avoid overdrafts or exceeding an applicable credit limit. See Section IV.C for information regarding the processing of Bill Pay transfers.

E. Limitation on Number and Amount of Transactions.

Transfers from an Account that is a savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month or statement cycle. Online Banking cannot be used for transfers to or from a certificate of deposit. Online Banking may only be used to initiate a Bill Pay transaction from an Account that is a checking account.

F. Stop Payments.

An Authorized User may initiate a stop payment request for checks written on and ACH transactions from an Account that is a checking account or a savings account. This stop payment service is not available to cancel transfers scheduled through Bill Pay. See Section IV.D for information regarding canceling or stopping payment on a transfer scheduled through Bill Pay. Online stop payment requests are processed on the same Business Day for a request received by 4:00 p.m. (Eastern Time) on a Business Day. Online stop payment requests received on a Business Day after 4:00 p.m. (Eastern Time) or received on a day that is not a Business Day will be processed on the next Business Day following the date we received the stop payment request. Stop payment requests initiated through Online Banking shall be binding once we receive them. A signature is not required.

Also, if you or another Authorized User has used Online Banking to tell us in advance to make regular Electronic Funds Transfers out of an Account that is a deposit account, such as by establishing a series of recurring transfers, you or another Authorized User can stop any of these Electronic Funds Transfers by calling us at 1-888-322-1088 or writing us at County National Bank, One South Howell Street, P.O. Box 283, Hillsdale, Michigan 49242. We must receive the request to stop payment three (3) Business Days or more before the Electronic Funds Transfer is scheduled to be made. If you or another Authorized User requests us to stop one of these Electronic Funds Transfers three (3) Business Days or more before the Electronic Funds Transfer is scheduled to be made and we do not stop or cancel the Electronic Funds Transfer, we will be liable for your losses and damages.

G. Fees and Charges.

Currently, we do not charge fees for Online Banking. However, we may charge the fees set forth in agreements, disclosures or fee schedules for particular banking products or Accounts (e.g. overdraft fee), even if the fee results from the use of Online Banking.

For Bill Pay fees, see Section IV.E. We reserve the right to add or change the fees for Online Banking after sending you notice in accordance with this Agreement and any applicable law. You agree that we may deduct all such fees from any Account that is a deposit account. You are responsible for Internet service fees you incurred in connection with use of Online Banking.

III. Mobile Banking Terms and Conditions.

A. Access to Mobile Banking.

To access Mobile Banking, an Authorized User must have a Mobile Device that supports 256-bit encryption and is connected to the Internet through a mobile communications service provider. In order to use Mobile Banking, an Authorized User must download, install and use the Mobile Banking Software. Our provider and licensor will require an Authorized User’s agreement to additional terms and conditions in order to download the Mobile Banking Software and to use Mobile Banking. We are not responsible for any damage to any Mobile Device resulting from downloading, installing or using the Mobile Banking Software. To download the Mobile Banking Software, please follow the instructions found in the Mobile Banking section of our website. Depending on its make and model, a Mobile Device may need to be capable of receiving an SMS text message to initiate the download. You agree that each Authorized User who no longer wants to be able to access Mobile Banking with a particular Mobile Device will delete the Mobile Banking Software from that Mobile Device and that each Authorized User will delete the Mobile Banking Software if he or she is no longer authorized to access Mobile Banking.

Mobile Banking is available only to Authorized Users who have accessed Online Banking. The access ID and password used to access Online Banking shall also be used to access Mobile Banking.

When accessing Mobile Banking, an Authorized User will see a menu of available Mobile Banking functions (e.g., view balances, view or search for transactions, locate branches, execute transfers, etc.). From time to time we may add, modify or delete particular Mobile Banking functions or geographic areas served by Mobile Banking. Unless otherwise prohibited by law, we may make such changes in functionality or geographic service without prior notice.

We do not guarantee the availability of Mobile Banking on all Mobile Devices, on all communications networks, in all geographic regions, or at all times. In no event, shall we be liable for any damages due to the inability to access Mobile Banking or any particular Mobile Banking function, to execute transactions through Mobile Banking, or to receive information through Mobile Banking.

If an Authorized User obtains a different Mobile Device, he or she will be required to download and install Mobile Banking Software to that different Mobile Device under the same terms set forth in this Agreement. You agree that all Authorized Users shall delete all Mobile Banking Software from Mobile Devices promptly if this Agreement or any license granted under it or another agreement terminates for any reason. We reserve the right to change, add to, or terminate services with third-party Mobile Banking Software providers and licensors, to substitute different Mobile Banking Software, and to enter into or arrange for the provision Mobile Banking Software by other licensors and third-parties.

B. Types of Transactions.

An Authorized User may use Mobile Banking to:

·         Review the balances and transaction histories for Accounts;

·         Transfer funds between Accounts, except that funds cannot be transferred to or from an Account that is a certificate of deposit;

·         Set up and receive mobile alerts regarding Accounts;

·         Track expenses paid from Accounts; and

·         Initiate a transfer through Bill Pay.

·         Add new payee

Transactions involving a deposit account will be subject to the terms of the applicable deposit account agreement and disclosures. Transactions involving a line of credit account will be subject to the terms of the applicable loan agreement and the disclosures we previously provided to you.

C. Posting of Transfers.

Transfers, other than Bill Pay transfers, received through Mobile Banking before 4:00 p.m. (Eastern Time) on a Business Day are posted to the Account the same day. Transfers, other than Bill Pay transfers, received after 4:00 p.m. (Eastern Time) on a Business Day or on a day that is not a Business Day will be posted on the next Business Day. You agree that Authorized Users will communicate with one another concerning any transfers from the Accounts in order to avoid overdrafts or exceeding an applicable credit limit. See Section IV.C for information regarding the processing of Bill Pay transfers.

D. Limitation on Number and Amount of Transactions.

Transfers from an Account that is a savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month or statement cycle. Mobile Banking cannot be used for transfers to or from a certificate of deposit. Mobile Banking may only be used to initiate a Bill Pay transaction from an Account that is a checking account.

E. Mobile Alerts.

Mobile Banking may provide automatic, Account-related alerts to a Mobile Device. Account alerts may be turned on or off as part of Mobile Banking. Each Authorized User may customize, deactivate or reactivate alerts. We may add new types of alerts periodically, or cease to provide certain types of alerts at any time at our sole discretion. Mobile Banking alerts will be sent through Mobile Banking to the specific notification system or the phone number or email address you have provided as the primary email address for Mobile Banking. If an email address or Mobile Device’s email address changes, you are responsible for informing us of that change.

You understand and agree that any alerts provided through Mobile Banking may be delayed or prevented for a variety of reasons. We attempt to provide alerts in a timely manner with accurate information. However, we do not guarantee the delivery or the accuracy of the content of any alert. You also agree that we shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert, for any errors in the content of an alert, or for any actions taken or not taken by you, another Authorized User or any third party in reliance on an alert.

F. Export Controls.

Mobile Banking Software and related programs, materials, tools, and technical data may be subject to U.S. export controls or the trade laws of other countries. You agree that you and all other Authorized Users will comply with all export control regulations. You also agree that no Authorized User shall attempt to obtain licenses to export, re-export or import or export or re-export to entities on the most current U.S. export exclusion lists or to any country subject to U.S. embargo or terrorist controls as specified in the U.S. export laws.

G. Fees.

Currently, we do not charge fees for Mobile Banking. However, we may charge the fees set forth in the agreements, disclosures or fee schedules for particular banking products or Accounts (e.g. an overdraft fee), even if the fee results from the use of Mobile Banking. For Bill Pay fees, see Section IV.E. We reserve the right to add or change fees for Mobile Banking after sending notice in accordance with this Agreement and any applicable law. You agree that all such fees can be deducted from any Account.

You are responsible for obtaining a mobile communications service provider and for any amount that a service provider may charge for Internet-related use and for SMS text messages. You are responsible for all fees and charges that may be charged by any mobile communications service provider or any other third parties while using Mobile Banking.

H. Stop Payment.

If you or another Authorized User has used Mobile Banking to tell us in advance to make regular Electronic Funds Transfers out of an Account that is a deposit account, such as by establishing a series of recurring transfers, you or another Authorized User can stop any of these Electronic Funds Transfers by calling us at 1-888-322-1088 or writing us at County National Bank, One South Howell Street, P.O. Box 283, Hillsdale, Michigan 49242. We must receive the request to stop payment three (3) Business Days or more before the Electronic Funds Transfer is scheduled to be made. If you or another Authorized User requests us to stop one of these Electronic Funds Transfers three (3) Business Days or more before the Electronic Funds Transfer is scheduled to be made and we do not stop or cancel the Electronic Funds Transfer, we will be liable for your losses and damages.
 

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