ONLINE BANKING AGREEMENT. The undersigned ("I" or "we"), in consideration of Stockmens Bank ("you" or "your") issuing me Login Codes for access to Internet Banking, hereby agrees to be legally bound by the following terms and conditions.
ONLINE BANKING AGREEMENT. You agree that we are not liable for paying a check over a stop payment request if the request is incomplete or incorrect. You agree to indemnify, defend, and hold us harmless for all claims, actions, and damages related to or arising from our action in stopping payment of any check pursuant to your request. You have the burden of establishing the fact and amount of loss resulting from payment contrary to a binding stop payment request. You may not stop payment on completed electronic point-of-sale transactions, cashier’s checks, certified checks, or any other checks issued or guaranteed by us. responsible for forgeries, alterations, or unauthorized use committed later by the same person(s). If you did not maintain proper controls over your account, we may deny a claim for money you lost because of forged, altered, or unauthorized checks. If you fail to report any unauthorized item one (1) year or more after your statement or the item has been made available to you, you cannot recover from us even if we failed to exercise ordinary care in paying the item. If you report to us that a forgery, alteration, or other unauthorized transaction has occurred on your account, you agree to cooperate with us in the investigation of your claim. This includes giving us an affidavit containing whatever reasonable information we require concerning your account, the transaction, and the circumstances surrounding the loss. You also agree to file a crime report against any suspected wrongdoer, if we request that you do so. Failure to do so may result in a denial of your claim. You agree to pursue all rights you may have under any insurance coverage you maintain before making a claim against us in connection with any transaction involving your account or your checks, and to provide us with all reasonable information about your coverage. Our liability, if any, is reduced by the amount of all insurance proceeds you receive, or are entitled to receive. You agree that we have a reasonable period of time to investigate the facts and circumstances surrounding any loss you claim, and that we have no obligation to provisionally credit your account during our investigation. We are not liable for any items that are forged or altered in such a way that we cannot reasonably detect the forgery or alteration. In the case of a forgery, alteration, or other unauthorized withdrawal, our maximum liability is the lower of your actual damages proved or the amount of the forgery, alteration, or ot...
ONLINE BANKING AGREEMENT. In the following Agreement, Electronic Funds Transfer Disclosure and Electronic Records Consent Agreement:
