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Free Online Banking > Agreement
& Disclosure
 Online
Banking Agreement
This Agreement provides information about the Tulsa National Online service
and contains the disclosures required by the Electronic Funds Transfer
Act. By subscribing to the Service or using the Service to make any payments
to a third party, the Customer agrees to the terms of this Agreement.
For the purpose of this document, "Customer," "you," or "your" shall
refer to each Customer who signs up for Tulsa National Online. "Bank,"
"we," or "us" shall refer to Tulsa National Bank. All references to time
of day in this Agreement refer to Central Standard Time.
A. Tulsa National Online Service
Tulsa National Online is a consumer electronic banking service. You may
access Tulsa National Online using a personal computer through Tulsa National
Bank's web page on the Internet.
B. Banking Day
Tulsa National Bank's business days are Monday through Friday, 9:00 A.M.
to 5:00 P.M.
C. Service Available through Tulsa National Online
Through Tulsa National Online you may use a personal computer through
an Internet connection to:
- obtain account balances and transaction information;
- transfer funds electronically between accounts;
- obtain account statements;
- obtain certain Tulsa National Bank product and service information;
- electronically direct the Bank to make Bill Payments from your account
to third parties ("Payees") that you have selected to receive payments
through this service. You may make payments through the use of the Bill
Payment service to any business, professional, merchant, family member,
or friend.
Collectively, these are referred to as the "Service".
D. General Information about Tulsa National Online
You may use Tulsa National Online virtually any time, day or night, 7
days a week. However, Tulsa National Online may be temporarily unavailable
due to Tulsa National Bank record updating, or technical difficulties.
To utilize the services, you will need to enter your Access ID and Password
and otherwise satisfy the system's security procedures. You cannot use
an e-mail to make a Bill Payment or transfer funds.
E. Bill Payment Procedures
- Account Designation and Payees.
The payee list is a list of all utility companies,
merchants, financial institutions, insurance companies, individuals,
etc. to whom you make payments through Bill Payments. To be processed
correctly, you must include a complete mailing address, telephone number
and account number for each Payee. Any payee you wish to pay through
Tulsa National Online must be payable in U.S. Dollars and located in
the United States.
- Scheduling and Delivery of Bill Payments
You may schedule Bill Payments to be initiated
on the current business day, on a future date, or on the same date of
each month, subject to the restrictions in the Agreement. Although you
can enter payment information through the Service 24 hours a day, 7
days a week, payments can be initiated only on business days. Funds
will be deducted from your Account on the business day on which a payment
is to be "initiated." This date is referred to in this Agreement as
the "Transaction Date." Funds must be available on the Transaction Date.
If you direct the initiation of a payment to occur on a day other than
a business day, it will be initiated on the following business day.
You cannot cancel a Bill Payment for any reason once you have submitted
the transaction and received a confirmation number, as funds are immediately
deducted from your designated account.
After funds are withdrawn from your Account, we
may remit your payments by mailing your payee a check, by electronic
funds transfer, including ACH, or by other means as appropriate. Because
of the time it takes to send payments, your payee will generally not
receive payment on the Transaction Date. This applies regardless of
whether the payment is a next-day payment, a future payment, or a recurring
payment. Therefore, in order to provide sufficient time for Bill Payments
to be received by your payee, the Transaction Date should be at least
5 business days prior to the date the payment is due, excluding any
applicable grace periods. It is helpful to allow additional time for
a payment to be completed the first time a payment is sent to a payee
through the Service. This allows the payee to adjust to the new form
of payment. Payments must be scheduled by the electronic cut-off of
6:00 p.m. CST on any business day in order for the payment to be initiated
for that business day.
You agree that we may obtain information regarding your account with
any payee in order to facilitate proper handling and crediting of your
Bill Payments.
The number of Bill Payments that you may make may be limited by law
or government regulation, for example the limits on payments to a third
party from Savings accounts and Money Market accounts to no more than
3 per month or statement cycle. The Bank may establish restrictions
on Bill Payments that may exceed those limits.
- Recurring Bill Payments
Recurring payments are those made for the same
amount scheduled on a weekly, bi-monthly, monthly basis or some other
consistent interval. Once started, recurring payments will be made automatically
until the Bank is notified to stop or cancel the service and the bank
has sufficient time to cease the recurring payment(s).
- Canceling Bill Payments
You may use a PC to cancel a payment up to 6:00
p.m. CST on the business day the payment is scheduled to be initiated.
If you are canceling a recurring payment using the Bill Payment service,
all future payments to that Payee will cease unless you specifically
instruct the Bank to continue future recurring payments. There is no
fee for canceling a payment online.
F. Our Liability for Failure to Complete Transactions
Tulsa National Bank is responsible only for exercising ordinary care
in making payments upon your authorization and for mailing or sending
a payment to the designated payee. If we do not complete a payment on
time or in the correct amount according to this Agreement, we might be
liable for some losses or damages. The Bank is not liable in any way:
- if through no fault of the Bank, you do not have sufficient funds
in your account to make the payment on the processing date
- if the estimate of time to allow for delivery to the payee is inaccurate
- if due to delays in mail delivery, changes of merchant address or
account number payment is not made in a timely manner
- for the failure of any merchant to account correctly for or credit
the payment in a timely manner, or otherwise mishandle or delay the
payment
- if the money in your account is subject to legal process or other
encumbrances restricting the transaction
- if the system was not working properly when you started the transaction
- if circumstances beyond our control (such as fire or flood or systems
failure) prevent the transaction, despite reasonable precautions that
we have taken
- if the payment would go over the credit limit on your overdraft line
(CheckMate loan)
- if you incorrectly type required information such as account number,
amount or other necessary information.
There may be other exceptions not specifically mentioned above.
G. Transfers
- Transfers Between Accounts
You may schedule transfers to be initiated on
the current business day, on a future date, or on the same date of each
month, subject to the restrictions in the Agreement. Although you can
enter transfer information through the Service 24 hours a day, 7 days
a week, transfers can be initiated only on business days. Funds will
be deducted from your account on the business day on which a transfer
is to be "initiated." This date is referred to in this Agreement as
the "Transaction Date." Funds must be available on the Transaction Date.
If you direct the initiation of a transfer to occur on a day other than
a business day, it will be initiated on the following business day.
You cannot cancel a transfer for any reason once you have submitted
the transaction and received a confirmation number, as funds are immediately
deducted from your designated account. Transfers must be scheduled by
the electronic cut-off of 6:00 p.m. CST on any business day in order
for the payment to be initiated for that business day.
The number of transfers that you may make may be limited by law or government
regulation, for example the limits on transfers from Savings accounts
and Money Market accounts to no more than 6 per month or statement cycle.
The Bank may establish restrictions on transfers that may exceed those
limits.
- Recurring Transfers
Recurring transfers are those made for the same
amount scheduled on a weekly, bi-monthly, monthly basis or some other
consistent interval. Once started, recurring transfers will be made
automatically until the Bank is notified to stop or cancel the service
and the bank has sufficient time to cease the recurring payment(s).
- Canceling Transfers
You may cancel a payment online up to 6:00 p.m.
CST on the business day the transfer is scheduled to be initiated. If
you are canceling a recurring transfer, all future transfers will cease
unless you specifically instruct the Bank to continue future recurring
transfers. There is no fee for canceling a payment online.
H. Statements
You will have the capability of viewing up to two month's worth of account
history for checking and savings accounts. Certificates of deposit and
loans will display lifetime history. All payments, transfers and/or fees
associated with the Service will appear on your monthly account statement.
The payee name, payment amount, and date of the payment will be shown
for each payment made through the Service during that month. If you enter
a transaction description, this will also appear on the monthly account
statement.
I. Security Procedures
Each individual who has access to Online Banking, including each individual
named on joint accounts, must have a unique Access ID and Password. Your
Password must be a minimum of 8 characters, up to a maximum of 12 characters,
which must consist of at least 1 alpha character, 1numerical character
and 1 symbol. Your Password is your confidential code for accessing your
account and it should not be shared with anyone. It should be easily remember
by you, but not too easily guessed by someone else. Therefore, you should
not use: your name, spouse's name, child's name, pet's name, social security
number, account number, etc. You may change your Password online and we
encourage you to change your Password periodically for security purposes.
If a Password is lost or forgotten, please call (918)494-4884 during
normal business hours. The Bank may require that you verify your identity
by providing personal information such as social security number, mother's
maiden name, security question, date of birth, home telephone number or
other information.
You agree to keep your Password secret and notify us immediately if your
Password is lost, stolen or if you believe someone else has discovered
your Password. It is agreed that if your Password is given to someone
else, you have authorized them to act on your behalf and the Bank may
accept instructions given to make transfers or otherwise use the Service.
We may be liable for certain breaches to the extent required by applicable
law and regulation. We do not assume other liability or otherwise guarantee
the security of information in transit to or from our facilities. We reserve
the right to
- monitor and/or record all communications and activity related to the
Services, and
- require verification of all requested transfers in the manner the
Bank deems appropriate before making the transfer (which may include
written verification by you).
You agree that our records will be final and conclusive as to all questions
concerning whether or not your Password was used in connection with a
particular transaction. If any unauthorized use of your Password occurs
you agree to
- cooperate with the Bank and appropriate law enforcement authorities
in identifying and prosecuting the perpetrator, and
- provide reasonable assistance requested by the Bank in recovering
any unauthorized transfer of funds.
Tell the Bank AT ONCE if you believe your Password has been lost or stolen.
Quick notification is the best way of keeping losses down. You could lose
all the money in an account (plus your maximum overdraft line, if applicable).
If you tell us within 2 business days, you can lose no more than $50.
If you do NOT tell us within 2 business days after you learn of the loss
or theft of your Password and we can demonstrate that we could have prevented
the unauthorized use of your Password if you had told us, you could lose
as much as $500.
Also, if your statement shows electronic transfers (transfers and/or
payments) that you did not make you must tell us immediately. You may
be required to provide your complaint in the form of an affidavit of forgery
for unauthorized transactions. If you do not tell us within 60 days after
the statement was sent to you, you may not get back any money you lost
after the 60 days if we can demonstrate that we could have prevented the
unauthorized transaction if you had told you in a timely manner. A statement
is considered sent to you when it is first made available. If a good reason
(such as a long trip or a hospital stay) kept you from telling us, we
will extend the time periods.
WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN PASSWORDS OR UNAUTHORIZED
TRANSFERS VIA E-MAIL.
J. Errors or Questions
In case of errors or questions about your electronic transactions, telephone
us at (918) 494-4884 during normal banking hours or write:
Tulsa National Bank
Attention: Online Banking
PO Box 1051
Tulsa, OK 74101-1051
Contact the Bank if you believe your statement or receipt is wrong, or
if you need more information about a transaction listed on your statement
or receipt. You must:
- tell us your name and account number
- describe the error or payment you are unsure about, and explain as
clearly as you can why you believe it is an error or why you need information.
- tell us the dollar amount of the suspected error.
If you tell you verbally, we will require that you send your complaint
or question in writing within 10 business days following the date you
notified us verbally. You may be required to provide your complaint in
the form of an affidavit.
Within 10 business days after we hear from you in writing, we will determine
whether an error occurred and will correct any error promptly - 20 business
days if the suspected error involves an electronic fund transfer to or
from the account within 30 days after the first deposit was made. If we
need more time, however, we may take up to 45 calendar days to investigate
your complaint or question. If we decide to do this, we will re-credit
your account within 10 business days so that you will have use of the
money during the time it takes us to complete our investigation - 20 business
days if the suspected error involves an electronic fund transfer to or
from the account within 30 days after the first deposit was made. If we
ask you to put your complaint or question in writing and we do not receive
it within 10 days, we may not re-credit your account.
If we determine that there is no error, we will reverse any previously
credited amount. We will send you a written explanation within 3 business
days after we finish our investigation. You may ask for copies of the
documents that we used in our investigation.
Other Problems
If you believe an error other than those initiated through Tulsa National
Online has occurred concerning a deposit account, refer to your monthly
statement for instructions regarding how to resolve your question or correct
an error.
K. Account Information Disclosure
We will disclose information to third parties about your account and
the payments or transfers you make:
- when it is necessary for verifying or completing payments or transfers,
or resolving a problem relating to a payment or transfer;
- in order to verify the existence and the condition of your account
for a third party, such as a credit bureau or merchant;
- in order to comply with government agency or court orders, or other
applicable law or regulation;
- if you give us your written permission; or
- as otherwise permitted in Tulsa National Bank's Deposit Agreement
and Disclosures, Tulsa National Bank's Privacy Policy, by law, or as
required by government regulations.
L. Other Conditions
You are responsible for complying with all terms of this Agreement and
the regulations governing the deposit accounts which you access using
Tulsa National Online. The regulations governing your deposit account
are set forth in your Deposit Agreement and Disclosures, a copy of which
is available from Tulsa National Bank.
Customer, in consideration of being allowed access to the Service, agrees
to indemnify and hold the Bank harmless for any losses or damages to the
Bank resulting from the use of the Service, to the extent allowed by applicable
law.
Except as otherwise provided in this Agreement or by law, we are not
liable for any loss, injury, or damage, whether direct, indirect, special,
incidental or consequential, caused by the Service or the use thereof
or arising in any way out of the use of the Service, including but not
limited to any damage to your equipment.
No waiver of the terms of this Agreement will be effective unless in
writing and signed by an authorized officer of the Bank.
You may not assign or transfer your rights or duties under this Agreement.
The laws of the state of Oklahoma shall govern this Agreement and all
transactions hereunder. Customer acknowledges that he/she has reviewed
this Agreement, understands the terms and conditions set forth herein,
and agrees to be bound hereby.
M. Change in Terms
We can change a term or condition of this Agreement, including change
in fees, by mailing or delivering to you a written notice at least 30
days before the effective date of any such change. We do not need to provide
you with any prior notice where an immediate change in the terms or conditions
of this Agreement is necessary to maintain or restore the security of
our system or an account. However, even in those cases, if the change
is to be made permanent, we will provide you with a notice of the change
with the next regularly scheduled periodic statement we send you if practicable,
or within 30 days, unless disclosure would jeopardize the security of
our system or an account. Notices mailed or delivered to you under this
paragraph will be considered effective if mailed to the most recent address
we show for you in the account records or the e-mail address which you
authorized to receive such notices and/or disclosures.
N. Termination
To terminate access to the Service, call (918) 494-4884 during regular
business hours. After receipt of your call, a written termination authorization
for signature and return will be sent. In order to avoid imposition of
the next monthly fee, the written authorization to terminate must be received
5 days before the service is scheduled to assess. RECURRING TRANSFERS
WILL NOT NECESSARILY BE DISCONTINUED BECAUSE YOU TERMINATE ACCESS TO THE
SERVICE. IF YOU WANT TO TERMINATE RECURRING TRANSFERS BETWEEN ACCOUNTS
YOU MUST SPECIFICALLY STATE ON THE TERMINATION AUTHORIZATION THAT YOU
WANT ALL RECURRING TRANSFERS TO CEASE. The Bank reserves the right to
terminate the Service, in whole or in part, at any time with or without
prior written notice. In that event, or in the event that the Customer
provides a termination authorization, the Bank may (but is not obligated
to) immediately discontinue making previously authorized transfers, including
recurring transfer and other transfers that were previously authorized
by not yet made. We also reserve the right to temporarily suspend the
Service in situations deemed appropriate by us, in our sole and absolute
discretion, including when we believe a breach of system security has
occurred or is being attempted. We may consider repeated incorrect attempts
to enter your Password as an indication of an attempted security breach.
Termination of the Service does not affect your obligations under this
Agreement with respect to occurrences before termination.
O. Schedule of Service Charges
There is no service charge to use Tulsa National Online for the following
banking services (Applies to Personal Online Banking only):
- Access accounts 24 hours a day
- Transfer between accounts
- Contact customer service
- Unlimited bill payment
- Check balances
- Export to Money & Quicken
- View statements & history information
Transaction Fees
If the deposit account from which the Bill Payment or transfer is made
is charged per-item fees for excess debit transactions, such as Money
Market accounts or Savings, Tulsa National Online transactions will be
included to determine excess transactions. The amount of this fee, and
specific types of accounts in which per-item fees are applicable are set
forth in the Tulsa National Bank Personal Accounts and Service Schedule
of Fees.
Applicable To All Fees and Charges
Service charges will post to your account, regardless of whether or not
there are sufficient funds in your account on the date the fee is payable.
You agree to provide sufficient funds to cover any service charges.
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