you are a first
time user please review Peoples
Online Access Agreement. If you wish to continue, and have
Online Banking Application, please click Log
On and enter your
user name and temporary password. You will be prompted to change
your password at that time. If
you have not submitted your Online Banking Application, please call
us or come in to
register for authorization to use our Internet Banking
You agree that any information or disclosures or notices supplemental
to or under this Agreement or by law or regulation or any amendments
to this Agreement may be sent to you by electronic communication,
including by E-mail to you or by posting on Peoples Bank’s
website at www.peoples-banking.com
Internet Banking Agreement and Disclosure
Introduction: This Internet Banking Agreement and Disclosure governs
your use of Internet Banking. Throughout this web site the Agreement
and Disclosure will be referred to as “Agreement.” By
using Internet Banking, you agree to all of the terms of this
Agreement. Please read it carefully and keep a copy for your
records. Internet Banking consists of a series of components
that make up an on-line web site that provides viewing capabilities
for all the products offered by Peoples Bank.
Fees: There is no charge for Internet Banking.
Definitions: You or Your – The person(s) subscribing to
or using Internet Banking. We, Us, or Our – Refers to Peoples
Bank and any agent, independent contractor, designee, or assignee
Peoples Bank may involve in the provision of Internet Banking.
Business Day – Any calendar day other than Saturday, Sunday,
or any holidays recognized by Peoples Bank.
Virus Protection: Peoples
Bank is not responsible
for any electronic viruses that you may encounter. We encourage
our customers to routinely scan their personal computers and diskettes
using a reliable virus product to detect and remove any viruses.
Undetected or unrepaired viruses may corrupt and destroy your programs,
files and even your hardware. Additionally, you may unintentionally
transmit the virus to other computers..
Log-On and Security: In order to ensure the security of your accounts,
we will end your online session ten (10) minutes after we have
detected no activity . This is to protect you in case you leave
your computer unattended while you are logged on. Simply re-enter
your password and your session will be re-established. Because
your password is used to access your account, you should treat
it as you would any other sensitive personal data. You should carefully
select a password that is hard to guess. (We suggest that you stay
away from names, dates, or information that may be easily guessed.)
Keep you password safe. Memorize your password and never tell it
to anyone. Change your password frequently. This can be done at
the beginning of each Internet Banking session.
Balance Inquiries and Transfers: You may use Internet Banking
to check the balance of your accounts and to transfer funds between
enrolled accounts. According to Federal Regulations, you may not
make more than (6) pre-authorized or automatic transfers from your
Money Market account or Savings account during a given monthly
statement cycle. There are no limits to the number of transfers
from you checking accounts. Shown balances of accounts may include
deposits subject to verification by us. The balance may also differ
from your records due to deposits in progress, outstanding checks
or other withdrawals, payments or charges. A transfer request may
not result in immediate availability because of the time required
to process the request. If you have further questions contact us
at (817) 605-3250. The transfer cut off time is 3:00 PM Central
Stop Payments: You can make stop payment requests through the
system until 3:00 PM Central Time. These requests will be honored
for six (6) months from the date you initiate the request. You
may extend this time frame by requesting another order at the time
is expires. We must have reasonable and sufficient time to honor
your request. You understand and agree that, unless your request
is complete and accurate we may not be able to honor your request,
or stop payment of the item. You are also responsible for verifying
if the check has already been paid. The system allows current and
previous statements only, anything before this period is your sole
responsibility. You agree to hold us harmless from and against
any claim arising in connection with our refusal to pay such item.
You further agree not to hold us responsible should the item be
paid through inadvertence, accident or oversight, or if by reason
of such payment other items drawn by you are returned insufficient.
The appropriate fee will be assessed for each request.
Notice of Your Rights and Liabilities: Notify us immediately if
your password has been lost or stolen. Failure to notify us immediately
could result in the loss of all money accessible by the password.
If we are notified within two (2) business days after you discover
that your password has been lost or stolen, you can lose no more
than $50.00 if someone used it without your permission. If you
do not notify us within two (2) business days, and we can prove
we could have prevented someone from using the password without
your permission you could lose as much as $500.00. If your statement
shows unauthorized transfers, notify us within sixty (60) days
after the statement is mailed to your or viewed on your computer.
After sixty (60) days, if we can prove that we could have stopped
someone from taking the money if we had been informed, lost funds
might not be recovered.
Errors and Questions: In case of errors or questions concerning
transactions completed with Internet Banking, do one of the following
as soon as possible:
We must hear
from you within sixty (60) days after you receive the first statement
or notification in which the error or problem appeared. Please include
your name, as it appears on your account, and a brief description
of the problem. We will tell you the results of our investigation
within ten (10) business days after we hear from you. If we need
more time we may take up to 45 business days to investigate. If we
choose to take up to 45 business days, we will give a provisional
credit to your account within ten (10) business days. If we decide
there was no error, we will furnish you with a written explanation
within three (3) business days after the investigation is complete.
Peoples Bank at (817) 605-3250; or
Peoples Bank at P. O. Box 1644, Colleyville, TX 76034;
an inquiry to us at CustomerCare@peoples-banking.com
Disclosure of Account Information to Third
Parties: Information to third parties about your account(s)
or the transactions(s) you make will only be disclosed if at
least one of the following applies:
You may terminate the use of Internet Banking at anytime by contacting
Peoples Bank in writing either by fax at (817) 656-1528, in person
at 5712 Colleyville Blvd., Colleyville, TX 76034, or by mail at P.
O. Box 1644, Colleyville, TX 76034. If your account is closed or
restricted for any reason, Internet Banking accessibility will automatically
terminate. We may terminate your use of Internet Banking at anytime.
is necessary to complete the transaction.
- To verify
the existence and condition of your account to a third
such as a credit bureau or merchant.
- To comply
with a government agency or court order.
- If permission
to us by you, which we may require in writing.
collect information for internal use, the use of our
and our servicing agents and contractors concerning
our electronic funds transfer service
involves a claim
by or against
us concerning a deposit to, or withdrawal from
otherwise required or permitted under
or federal laws and/or regulations.
Governing Law: This Agreement
shall be governed by and construed in accordance with the laws
of the State of Texas.
Assignment: This agreement may not be
assigned to any other party by you. We may assign or delegate, in part
or whole, to any third party.
Amendments: Terms and conditions of this
agreement may be amended in whole or part any time within 30 days written
notification to the change taking effect. If you do not agree with the
change(s), you must notify us in writing prior to the effective date
to cancel your access. Amendments or changes to term(s) or conditions(s)
may be made without prior notice if it does not result in higher fees,
more restrictive service use, or increased liability to you.
Entire Agreement: This agreement supplements
any other agreements or disclosure related to your account(s), including
the Deposit Account Agreement and Disclosures. If there is a conflict
between this Agreement and any others, or any statement made by employees
or agents, this agreement shall supersede.