I-Bank OnLine Agreement
This OnLine Banking Agreement for accessing your accounts via BancCentral National Association's I-Bank explains
the terms and conditions governing the following online services: account access, bill pay and other services offered through
BancCentral National Association's I-Bank. By using BancCentral National Association's I-Bank you agree to abide by the terms
and conditions of this Agreement. This Agreement will be governed and interpreted in accordance with all applicable federal laws
Security and Protection of Your Account
BancCentral National Association is committed to protecting the security and confidentiality of our customer account
information. The following are several different methods used to protect your account information:
- Case sensitive passwords requiring, a minimum of 8 characters with at least one upper case letter, one lower case letter, and
- Social Security Numbers and Employer Identification Numbers are not displayed.
- If you surf into a different area of the Internet for more than 2 minutes, you will be required to log in again.
- Information will be encrypted using 40-128 bit encryption, depending on what your browser supports.
- Not to give out your I-Bank PIN. We do not have a record of your PIN after your first log on. If you forget your PIN the bank can
reset your PIN. Once a bank employee has verified your identity, your PIN must 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 an unauthorized individual has obtained your PIN.
Your OnLine Account
There is no fee for accessing your online accounts either for personal use or business use. This includes Central Bill Pay
All primary accounts in which you are a legal signer are automatically displayed on BancCentral National Association's I-Bank.
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 displayed. BancCentral National Association's I-Bank 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 the Federal Reserve Board's
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.
Account Inquiries and Statements
You will be able to access account statements from your online account. BancCentral National Association's I-Bank will keep your account
transaction information for the current and previous statement cycles.
Central Bill Payment Service
You may use a personal computer to electronically direct the Bank to make payments from your checking account
to third parties to receive payment by means of BancCentral National Association's Central Bill Pay Service. Once
you have successfully scheduled a payment on the Bill Payment system, a confirmation number will be provided.
If anything unexpected happens and there is a discrepancy of any sort, we will research the problem using the
confirmation number. If you encounter any problems please call BancCentral National Association's Customer
Service Department at 580-327-1122, 580-256-5523 or 1-800-256-4653. 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 Central Bill Payment Service 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.
Bill Payment Payees and Scheduled Payments
If the payee will 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.
Modifying or Cancellation of a Bill Payment
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 4:00 p.m. (Central Standard Time)
on the day before the payment is scheduled for payment and debited from your account.