Protecting Your Account. Digital Banking will allow Business Customers to establish individual Login IDs, passwords, and privileges for each Sub-User Administrator. Transaction history is maintained for each Login ID. Business Customer(s) will be solely responsible for designating its Sub-User Administrator, assigning privileges, and disclosing the identity of said users to Atmos and all changes thereof in writing. BUSINESS CUSTOMER REPRESENTS AND WARRANTS THAT ITS SUB-USER ADMINISTRATOR HAVE THE APPROPRIATE AUTHORITY TO INITIATE TRANSFERS AND BILL PAYMENTS THROUGH DIGITAL BANKING. BUSINESS CUSTOMER AUTHORIZES US AND OUR SERVICE PROVIDERS TO ACT UPON, AND YOU AGREE TO BE BOUND BY, ANY TRANSACTION, WHETHER OR NOT AUTHORIZED, THAT IS INITIATED WITH YOUR LOGIN ID AND PASSWORD AND/OR THE LOGIN ID AND PASSWORD OF A SUB-USER ADMINISTRATOR. FURTHERMORE, ANY INSTRUCTIONS, DIRECTIONS, OR OTHER INFORMATION PROVIDED BY THE BUSINESS CUSTOMER, OR ANY OF ITS SUB-USER ADMINISTRATORS, WILL BE DEEMED TO HAVE BEEN AUTHORIZED BY THE BUSINESS CUSTOMER. WE AND OUR SERVICE PROVIDERS WILL NOT BE RESPONSIBLE FOR VERIFYING THE IDENTITY OR AUTHENTICITY OF ANY PERSON CLAIMING TO BE A SUB- USER ADMINISTRATOR OF THE BUSINESS CUSTOMER. BUSINESS CUSTOMER ASSUMES ANY AND ALL LIABILITY ARISING FROM THE USE OR MISUSE OF THE SERVICE OR COMPANY ACCOUNTS BY ITS SUB-USER ADMINISTRATOR. BUSINESS CUSTOMER AGREES TO INDEMNIFY AND HOLD HARMLESS US AND OUR SERVICE PROVIDERS FOR ANY LIABILITY AND DAMAGES RESULTING FROM OUR ACTING UPON ANY DIRECTION, INSTRUCTION, OR INFORMATION THAT IS INITIATED WITH A LOGIN ID AND PASSWORD OF A SUB-USER ADMINISTRATOR. You agree that we may send notices and other communications, including emails, to the current address shown in our records, whether or not that address includes a designation for delivery to the attention of any particular individual. You further agree that we and/or our Service Providers will not be responsible or liable to you in any way if information is intercepted by an unauthorized person, either in transit or at your place of business. In addition, you agree to require all Sub-User Administrators to keep passwords secure and strictly confidential; Immediately notify us and select a new password if you or your Sub-User Administrator believe your passwords may have become known to an unauthorized person. We may disable passwords of Sub-User Administrators even without receiving such notice from you, if we suspect passwords are being used in an unauthorized or fraudulent m...
Protecting Your Account. It is your obligation to establish and implement policies, procedures and a system of controls over the use of E-Moneyger®, and to perform such internal and external audits as you believe appropriate to assure that the services are only used in an appropriate and proper fashion. In that regard, we strongly recommend that:
i. Identifying Information, Authentication Passcodes, and Digital Tokens are specific to each Authorised Representative and should never be shared.
ii. Identifying Information, Authentication Passcodes, Digital Tokens or any other security devices should never be displayed in an area accessible by others.
iii. Digital Tokens including on mobile devices should never be left unlocked and unattended.
iv. PC’s or other devices used to access E-Moneyger® should never be left unattended whilst a session is active.
v. E-Moneyger® Services should only be accessed from a non-public (personal or corporate owned) PC or device on which virus protection software and the latest Operating System, Browser and Security updates have been installed and continue to be promptly maintained when they become available from the manufacturer.
vi. PC’s or other devices used to access E-Moneyger® should be routinely scanned using your virus protection software to detect and remove any viruses found. Undetected or unrepaired, a virus may corrupt and destroy programs, files and even hardware. You agree that the Bank is not responsible for and shall have no liability for any virus that you may encounter using E-Moneyger® Services.
vii. Users should always exit the system by clicking the Logout button from the menu after using E- Moneyger®.
viii. If your BCSA, and/or Security Contacts and/or CSAs have access to the E-Moneyger® Services purely for administrative purposes, do not give them the authority to use the system to transfer funds or execute other transactions.
ix. You should notify the Bank immediately if you suspect that Identifying Information, Authentication Passcodes, or Digital Tokens may have been compromised and become known to any unauthorised individual. Such Identifying information, Authentication Passcodes or Digital Tokens should be terminated immediately by the BCSA or CSAs.
Protecting Your Account. 2.1 You must take reasonable steps to keep your account information, Security Information and details of any security procedures secret and to prevent their unauthorised use. For example:
(a) if you receive paper statements or notices from us, store these securely or dispose of them safely;
(b) do not choose Security Information that is easy to guess, or write down or store any Security Information in a way that someone else might understand;
(c) you should not disclose your Security Information to anyone, or allow anyone to use any card or security device we give you, even a joint account holder, additional cardholder; and
(d) when using computer equipment, make sure you have up to date antivirus software installed and a firewall enabled, and that you do not leave your computer unsupervised when you are logged in.
2.2 From time to time we will give you more information about keeping your accounts and your use of banking services safe. You should follow any reasonable instructions we give you.
2.3 You must call us as soon as possible on 0330 123 1966 or +00 (0)00 0000 0000 (if calling from outside the UK) if:
(a) you believe someone else knows your Security Information;
(b) you believe that someone has accessed your account without your authority; or
(c) any chequebook, debit card or any security device we give you is lost or stolen.
2.4 If you find a debit card after reporting it as being lost or stolen, you must not use it.
2.5 You should check your account statements, notices and electronic messages when you receive them, and you must tell us as soon as possible if you believe that there are any errors.
2.6 You must ensure that the information you have given us is up to date. We will rely on this information when checking your identity, giving you access to banking services, keeping in touch with you, and processing applications for additional accounts. You must notify us of any change to your information as soon as possible and you must give us evidence of the change if we ask you to. If you do not tell us about a change, we will not be liable if you do not receive any important information from us, or if we send confidential information to an out of date address.
2.7 In order to comply with legal or regulatory requirements, we may, from time to time, request additional information from you. You must provide us with any information that we reasonably request.
2.8 We can report unauthorised access to your account, unauthorised use of any banking service...
Protecting Your Account. The Service will allow Business Customers to establish individual Access IDs, passwords, privileges for each Authorized User. Transaction history is maintained for each Access ID. Additional fees maybe assessed for each Access ID. Business customer(s) will be solely responsible for designating its authorized users, assigning privileges, and disclosing the identity of said users to this institution and all changes thereof in writing. Business customer represents and warrants that its authorized users have the appropriate authority to initiate transfers and bill payments through the service. Business customer authorizes this institution and its service providers to act upon, and you agree to be bound by, any transaction, whether or not authorized, that is initiated with your access id and password and/or the access id and password of an authorized user. Furthermore, any instructions, directions, or other information provided by the business customer, or any of its authorized users, will be deemed to have been authorized by the business customer. This financial institution and its service providers will not be responsible for verifying the identity or authenticity of any person claiming to be an authorized user of the business customer. Business customer assumes any and all liability arising from the use or misuse of the service or company accounts by its authorized users. Business customer agrees to indemnify and hold harmless this financial institution and its service providers for any liability and damages resulting from our acting upon any direction, instruction, or information that is initiated with an access id and password of an authorized user. You agree that we may send notices and other communications, including emails, to the current address shown in our records, whether or not that address includes a designation for delivery to the attention of any particular individual. You further agree that financial institution name and/or its service providers will not be responsible or liable to you in any way if information is intercepted by an unauthorized person, either in transit or at your place of business. In addition, you agree to • Require all authorized users to keep passwords secure and strictly confidential; • Immediately notify us and select a new password if you or your authorized users believe your passwords may have become known to an unauthorized person. We may disable passwords of authorized users even without receiving such notice from you...
Protecting Your Account. A. Preventing Misuse of Your Account B. Unauthorized Transactions in Your Casual E-Banker Accounts
Protecting Your Account. Your role is extremely important in the prevention of unauthorized activity on your Account. In the event you discover that your Account records disagree with ours, please contact us AT ONCE at (000) 000-0000 (Bask Bank Customer Support) or notify us via online banking or email. In the event you fail to notify us in a timely and expeditious manner, you acknowledge and agree that your rights may be limited. Notwithstanding the foregoing, you acknowledge that the risk of fraudulent transactions is significant. We offer various products and services designed to minimize this risk. To learn more about these products and services, you may contact a Bask Bank representative.
Protecting Your Account. By giving you online access to your account, you assume joint responsibility, with the Bank, for the protection of your account and personal information. We will do the following to protect your account and personal information: • Access to your account(s) online will require the use of a valid password selected by you. • Access to the Online Banking portion of TrustTexas Bank web site requires the use of a web browser capable of supporting encryption of data transmitted between the computer you are using and our web site. • If you are logged onto the Online Banking Service and no activity occurs for 10 minutes, you will be automatically logged off. • We will adhere to the privacy principles detailed in our Privacy Statement, which is available online or at any of our banking locations. • Details of any online transactions will appear on your next periodic statement. As a TrustTexas Bank, SSB Online Banking user, you agree to do the following: • The first time you use TrustTexas Bank’s Online Banking Service, you will be required to select a username and password. • You will safeguard your password, as it is the access device to your account and information online. Our recommendations regarding care of your password appear below under the heading "Preventing Unauthorized Access to Your Account." • You are authorizing TrustTexas Bank, SSB to act on instructions received under your password. • Never leave your account information displayed where it is accessible to others. • When your Online Banking session is complete, you will sign, or log, off of the system. • You will contact us immediately if you suspect an unauthorized person has knowledge of your password or if you think your account has been compromised in any other manner. The instructions for notifying us, and your liability for unauthorized transactions, appear below. • You will examine your periodic statement promptly upon receipt and notify us immediately if there are any errors or unauthorized activity.
Protecting Your Account. A. Preventing Misuse of Your Account Your role is extremely important in the prevention of any wrongful use of your account. You must promptly examine your statement upon receipt. If you find that your records and ours disagree, you must immediately call YNB Customer Service at 1-405-350- 1335. Protecting Personal Information - In addition to protecting your account information, you should also take precautions to protect your personal identification information, such as your driver's license, Social Security Number, etc. This information by itself or together with information on your account may allow unauthorized access to your account(s). It is your responsibility to protect personal information with the same level of care that you protect your account information. Taking Care of Your Online Password - The password that is used to gain access to e- Banker should also be kept confidential. For your protection we recommend that you change your Online password regularly. It is recommended that you memorize this Online password and do not write it down. You are responsible for keeping your password, account numbers, and other account data confidential. If you believe that your Online password may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, notify YNB Customer Service at once at 1-405-350-1335.
B. Unauthorized Transactions in Your YNB Accounts
Protecting Your Account. 13.1. By agreeing to these terms and conditions you give us your permission to provide the police or financial crime agencies with any information they need during any investigation.
13.2. We may suspend or refuse to carry out transactions on your account if we identify adverse information, we are ordered to do so by an appropriate legal or regulatory body or authority, or if we have reasonable grounds to believe that: • you are not acting in accordance with these terms and conditions; • your account is being used for illegal purposes (whether by you or a third party); • your security information has been, or we reasonably believe it has been, compromised either by loss or theft; • the relationship between us has broken down for whatever reason and cannot be repaired; • we have reason to believe there is a dispute as to your ownership or entitlement to the money in your account; • you are insolvent or a bankruptcy order has been made against you; and/or • circumstances beyond our control prevent us from offering a normal service.
13.3. If we take action to suspend your account or a transaction, we will inform you as soon as possible unless we are unable to do so by law. As soon as the issue is resolved we will reinstate your account.
13.4. We will never: • ask you for your full username or password by phone, email, via our mobile app, through online banking or in person. You should consider any request via any means for this information fraudulent; • ask you to email or text banking information; or • send you an email with a link asking you to enter your bank account details.
13.5. If you are physically or mentally incapacitated we may take legal instructions to allow someone else to operate the account.
13.6. We will also allow someone else to access your account under a valid power of attorney or court- appointed deputy under a court order or under an equivalent registered authority.
13.7. If you do not make any transactions or contact us within a three-year period and you try to access the account after this period we will ask you to confirm your identity.
13.8. You retain the right to reclaim your money at all times.
Protecting Your Account. It is your obligation to establish and implement policies, procedures and a system of controls over the use of our cash management services, and to perform such internal and external audits as you believe appropriate to assure that the services are only used in an appropriate and proper fashion. In that regard, we strongly recommend that you: • Never give out your identifying information, passwords, Digital Token or Digital Token Codes to any other person. • Never leave your identifying information, passwords, Digital Tokens, or account information displayed in an area accessible by others. • Never leave your PC unattended while using our cash management services. • Always exit the system by clicking the Logout button on the bottom of your menu after using our cash management services. • Notify SMBCE at +00-00-0000-0000 immediately if you suspect that identifying information, passwords concerning BCSA or CSAs have become known to any unauthorized person. • Ensure that our online banking services are utilized only from a personal computer on which virus protection software has been installed and to update virus signature files promptly when they become available from the manufacturer. • Immediately install updates to browser software as they become available from the manufacturer. • Not authorize your BCSA, your Security Contacts or your CSAs to act as Authorized Users.
