Our Agreement

1. "We," "us," "our" and "ours" or "Bank" refer to First Security Bank, the depository institution that holds one or more accounts accessed by the Service. "You" and "your(s)" refer to (i) any individual who registers with the Service and each person who uses the Service with the permission of an applicant; or (ii) any corporation, partnership, limited liability company or other organization that registers with the Service.
2. "Business Day" means Monday through Friday, except banking holidays set aside by the Federal Reserve.
3. "Card Number" refers to your First Security Bank ATM or Visa CheckCard Number.
4. "PIN" refers to your Personal Identification Number.
   
   

First Security Bank is strongly committed to protecting the security and confidentiality of our customer account information. The following are several different methods used to protect your account information:
You can only access the Service by using your valid First Security Bank ATM Card or Visa CheckCard Number and PIN or its equivalent.
Social Security Numbers and Employer Identification Numbers are not displayed.
If no action is taken once you are logged on to the Service, after 10 minutes you will be automatically logged off.
Information will be encrypted at 40 bits to 128 bits, depending on what your browser supports.

You Agree. . .

Not to give out your Online Banking PIN. We do not have record of your PIN. If you forget your PIN the bank can reset your PIN. Once a bank employee has verified your identity, your PIN may be reset.

Never to leave your PC unattended while using the Service; always fully exit the Service before leaving the work area.
To notify the Bank immediately if you suspect that your Card Number and/or PIN has become known to an unauthorized individual.

Your Online Account

There is no fee for accessing your online accounts either for personal use or business use. However, other transactions such as stop payments and the Bill Payment option will maintain the stated monthly fees and transaction fees. For transactions that require additional fees you may be required to designate a payment account to assume the fees. 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 us and identify a new payment account for the selected services. Additionally, if you close all your accounts, you are responsible for notifying First Security Bank to cancel your online service.

All primary accounts in which you are legal signer are automatically linked to FSB Online. Business accounts may not be linked to a personal account unless the business is a sole proprietorship or DBA. For all other business accounts, they will require a separate online account.

You may transfer funds between accounts that are linked. FSB Online is a "real-time" system; therefore, as soon as the transfer is made the funds will memo post to the appropriate account. Please be advised that transfers made online will be included in any transfer limits you may have for certain accounts. Under Federal Reserve Board Regulation D, you may make an unlimited number of deposits or transfers into a savings or money market account; however, you may make no more than six transfers or withdrawals out of such an account per monthly statement cycle. If your transactions exceed the legal limit, we will charge you a fee for each such transaction in excess of the legal limit. The amount of these fees and the minimum balances necessary to avoid these fees, where applicable, are set forth in the Schedule of Fees provided with your account, and any subsequent amendments. If your account does not have sufficient funds to complete a transfer, the transfer may not be completed, but if we do complete the transfer as an accommodation to you, you are responsible for any overdraft created.

You will be able to access account statements from your online account. FSB Online will keep your account transaction information for a "rolling sixty (60) day period".

You may use a personal computer to electronically direct the Bank to make payments from your checking account to third parties ("payees") to receive payment by means of FSB Online Bill Pay. To gain access to Bill Pay, you will sign on to your online account using your Card Number and PIN and complete the Bill Payment enrollment form. Once you have successfully scheduled a payment on the Bill Payment system, a confirmation number will be provided. If anything unexpected were to happen and there is a discrepancy of any sort, we will research the problem using the confirmation number. If you encounter any problems please call First Security Bank Customer Service at (405) 424-4341. If the date you want the payment to be debited from your account is not a business day, your account will be debited the next business day. By using the FSB Online Bill Pay option, you agree that, based upon instructions received under your PIN, we can charge your designated account by electronic transfer or by debiting and remitting funds on your behalf. We reserve the right to refuse to pay any payee designated by you. If we do so, we will notify you immediately.

When adding a payee to your individual payee list a predetermined listing of payees will be displayed in alphabetical order. You may select payees from this list to be added to your individual payee list. The Bill Payment Service will pay these payees electronically. If the payee that you want to add is not located on the listing displayed, then you will add the payee manually by entering the complete name of the payee, the payee-assigned account number, and the payee's remittance address, all exactly as shown on your billing statement or invoice. These payees that you have added manually will be paid by paper check delivered to the designated payee by the U.S Postal Service. If the payee is to be paid electronically, you understand and agree that the payee may not receive the payment until 72 hours after the date the payment is debited from your account. If the payee is to be paid by paper check, you understand and agree that paper checks are mailed to the payee and the payee may not receive the payment until 5 to 8 business days after the date the payment is debited from your account. You understand and agree that we are not responsible for the timely delivery of mail or the improper transmission or handling of payments by a third party such as the failure of the bill payment payee to properly post a payment to your account.

To modify or cancel a bill payment that you have scheduled and is pending, you must modify or cancel the payment using the bill payment system following the onscreen instructions before 6:00 p.m. (Central Standard Time) on the date the payment is scheduled for payment and debited from your account.

Stop payment of a check is different from the cancellation of a bill payment. Once a bill payment has been debited from your account, you CANNOT cancel or stop a bill payment, which has been paid electronically. You may be able to stop a bill payment paid by paper check by contacting us by telephone before the paper check has cleared. You must contact us by telephone to determine if the paper check has cleared. If the paper check has not cleared, we will immediately process your stop payment request. We will notify you immediately if the paper check has already cleared. To be effective, this type of stop payment request must precisely identify the name of the payee, the payee-assigned account number, the amount and scheduled date of the payment, and the confirmation number from the Bill Payment History Screen.

You may only initiate stop payment requests online utilizing FSB Online for paper checks that you have written on your First Security Bank accounts (not FSB Online Bill Pay paper checks). Online stop-payment requests are processed at 9:00 a.m. (Central Standard Time) on the business day following the date the stop payment has been requested online. To be effective, this type of stop payment request must precisely identify the name of the payee, the check number, the amount, and the date of the check. If you make your stop payment request online or by telephone, we may also require you to put your request in writing and deliver it to us within 14 days after the request. You will incur stop payment charges as disclosed in the current fee schedule for the applicable account. Stop payment charges for FSB Online Bill Pay paper checks will be assessed in addition to the stop payment charges for the applicable account.

You agree to pay the Bank a service fee of $5.95 each month for up to 10 payments using the Bill Payment Service. Each additional payment in excess of 10 will cost $0.50 each. You authorize the Bank to deduct the service fee from your checking account.

You agree to pay the Bank a service fee of $5.95 each month for up to 10 payments using the Bill Payment Service. Each additional payment in excess of 10 will cost $0.50 each. You authorize the Bank to deduct the service fee from your checking account.

First Security Bank may terminate FSB Online services in whole or in part at any time without prior notice. The Bank reserves the right to limit or suspend your access to FSB Online at any time. The Bank is not responsible for any loss, injury or damages, whether direct, indirect thereof or arising in any way out of the installation, use or maintenance of your personal computer hardware or any software.