The biggest little bank in your neighborhood just got bigger! Now you can have a branch wherever there is anInternet or telephone connection. Whether you are at home, the office, a hotel room or wherever you travel, you can visit your Guthrie County State Bank (GCSB) accounts.
All you need is access to the telephone or Internet using either Internet Explorer or Netscape Navigator (the latest versions are highly recommended for your greatest security) and a 128-bit Secure Sockets Layer (SSL) encryption protocol. If your browser is not using the latest 128-bit encryption, you will be prompted to upgrade before accessing your accounts.
Before starting enrollment, please read the Access Agreement and Disclosures.
After reading and accepting the terms of this agreement, please sign and return the document to the bank.
Upon receiving, we will issue a temporary username and password that you will use to access
your account online. Upon accessing your account the first time, you will be asked to change your password. The password must be a minimum of eight characters with at least two alphas and two numbers. Keep your password secret. You will also be able to change the username if you so desire. The username must be 6 characters. You are responsible for keeping your password and account information secret. If you allow others to access your accounts, you are responsible for any transactions they authorize from your accounts.
The following services are currently available through Internet Banking
Account Balance Information
View any of your GCSB Checking, Savings, Money Market accounts, Certificates of Deposits, IRAs, Safe Deposit Box, ATM, ShazamChek, and Loans.
View specific transactions for previous day, current day, previous statement or current statement.
Transfer funds among your GCSB accounts. Make a one-time transfer or set up a scheduled transfer.
Make loan payments on your GCSB loans. Loan advances may be made on home equity loans only. Make a one-time loan payment or set up a scheduled loan payment.
E-mail the bank at firstname.lastname@example.org for any questions regarding your accounts.
Check Imaging – Internet Only
You will be able to view images of your checks after they have posted to your account. There will be no charge for this service.
You will be able to receive statements via email and stop paper statements. There will be no charge for this service.
If you elect to subscribe to Bill Payer, you may use it to electronically direct us to make payments from your checking account on your behalf to third parties that you have selected in advance. You may make payments through Bill Payer to any business, merchant, etc., that generates a bill or invoice or to an individual on your behalf that has an address and telephone number that we can verify. Payments may only be made to Payees with a U.S. postal address. We reserve the right to decline to make certain payments to certain individuals or entities.
Personal Payee List. You must provide sufficient information about each Payee as we may request from time to time, to properly direct a payment to that Payee and permit the Payee to identify the correct account to credit with your payment. This information may include, among other things; the name and address of the Payee and your Payee account number. We will provide you with an online list of the Payees you have authorized when you use Bill Payer.
Scheduling Payments. You may use the Internet Banking Service to electronically schedule payments with Bill Payer. You will need to access internet banking to electronically schedule a payment. Upon selecting the Bill Payer option you will be required to enter Payee’s name and address, the amount of the payment, and the payment date, which is the date you would like the payment deducted from your account. Also if applicable the frequency and number of remaining payments. It is recommended the payment date be entered 5 to 7 business days before the actual due date of the bill on non-recurring payments. Guthrie County State Bank will not be responsible for any loss you may incur as a consequence of late payment if your actual payment date is not at least 5 business days prior to the due date of your payment.
Delivery of payments. You may schedule payments to be deducted from your account on the day you enter the payment information, on a future date, or on the same date each month. Although you can enter payment information through Bill Payer 24 hours a day, 7 days a week, payments can be deducted from your account only on business days. After funds are withdrawn from your account, we will remit payment by mailing your Payee a check drawn on an account maintained by the bank.
Re-presentment of Payments. If your account has insufficient funds to cover payment of the bill, you will be sent a notice and your requested bill payment will automatically be re-presented for up to four business days following the original payment date.
Same Day Payments. You may schedule a payment to be initiated on the same day that you enter the payment information on Bill Payer. Same day payments must be scheduled by the normal cut off time of 6:00 p.m. on any business day in order for the payment to be initiated for that day.
Recurring Payments. You may schedule payments to particular Payees to be automatically initiated in a fixed amount on a weekly, bi-weekly, monthly, quarterly, semi-annual or annual basis. If the payment date falls on a day other than a business day, your payment will not be initiated until the next business day. For example, if you schedule a payment to be initiated on the 5th of each month and January 5th is on a Saturday, your payment for January would not be initiated until the 7th. Due to the difference in days of the week, which can reduce the number of business days between your scheduled payment, we recommend that you schedule a recurring payment seven to ten days prior to your payment date. The bank will not guarantee a recurring payment, if the payment date is not at least five business days prior to the due date.
Payment Guarantee. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement, we will reimburse you for any late payment fees or penalties you are charged if notified within 60 days from the date the transaction occurred.
Bill Payer Fees. This service will be provided to you, our customer at no cost.
The following provisions constitute an amendment to the Terms and Conditions of Guthrie County State Bank concerning electronic delivery of statements and notices concerning accounts. To the extent there is a conflict between any statement made in this disclosure and in the terms, this disclosure shall control.
Truth in Savings Act
Electronic Funds Transfer Act
Truth in Lending Act
Fair Credit Reporting Act
Home Mortgage Disclosure Act
Fair Housing Act
Equal Credit Opportunity Act
Other Federal and State statutes may be enacted or amended in the future to provide for electronic delivery of account statement and notices. My signature on the internet banking agreement also authorizes you, at your sole discretion, to provide electronic delivery of such statements and notices pursuant to these statutes after they become effective. If there is more than one Depositor that is a party to the account, notice to any one Depositor will be effective for all.
If I have a joint account as defined in the Terms and Conditions, my e-mail address may be changed using the procedure described above by any authorized party to my account if the e-mail address is changed using the procedures set forth above.
Guthrie County State Bank is strongly committed to protecting your security and confidentiality. To ensure the privacy of your account information while you are online, you are only able to access your account with high security browsers. You must also provide both your user name and your password. If no action is taken within 15 minutes, you will be automatically logged off your account online. You are also assured that we will guard your information from third parties except for the following situations:
You agree that Guthrie County State Bank is not responsible for any electronic virus that you may encounter using Internet Banking. Routinely scan your PC and diskettes using any reliable virus protection product to detect and remove any viruses found.
Customers may send us inquiries concerning maintenance and other issues through regular e-mail. However, a high level of encryption does not protect sending electronic messages to us through regular e-mail. You should not use regular e-mail to initiate any banking transactions. Electronic mail will be used to send you notices, disclosures and other information required under the Electronic Funds Transfer Act and Regulation E of the Federal Reserve Board of Governors. We may send this information to you by posting it on our Web site or by e-mail. We may also send it to you by regular postal mail in writing at the address shown in our records. If you have given us an e-mail address or postal address, we are entitled to rely on that address and assume that messages sent to that address are received by you, until you give us notice in writing or by e-mail that the address is no longer valid. You agree that information we post to our website or send by e-mail or regular postal mail will be deemed delivered at the time it is posted or sent. Information you send to us is deemed delivered when we receive and review it. If we send you a notice, disclosure or other message electronically and you wish to print it and are unable to do so, contact us at 1-877-755-2400 (Panora Toll Free) or 1-866-747-2218 (Guthrie Center Toll Free) or send us an e-mail at email@example.com and we will provide you with a paper copy.
From time to time, Guthrie County State Bank plans to expand the services we offer our Internet Banking customers. When such services become available, we will update this agreement and notify you of the new service. By using Internet Banking after the new services are available, you agree to be bound by the terms contained in the revised agreement.
You are responsible for all transfers you or your authorized representative make using Internet Banking. You authorize us to debit your designated account(s) for any transactions completed with Internet Banking. You agree that we may comply with transfer instructions entered by any one person using an authorized Access Code or Password, regardless of the restrictions placed at the account level, i.e., two signatures required or minor no withdrawal.
If you permit another person to use Internet Banking and/or give them your Access Code orPassword, you are responsible for transfers or advances that person makes from the deposit and loan accounts linked to your application even if that person exceeds your authorization.
Funds must be available in the account from which you wish to transfer funds on the date you enter the transaction. Transfers initiated prior to 6:00 p.m. on a business day will be posted to your account that day. Anything after 6:00 p.m. will be posted the next business day.
If your account does not have sufficient funds to complete a transfer, the transfer will not be completed.
Under Federal Reserve Board 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 calendar month (not counting transactions made at ATMs, in-person transactions or automatic transfers). Transfers made by telephone, personal computer or funds automatically transferred from a savings or money market account to another deposit account for overdraft protection are counted toward the six total permitted
monthly transfers or withdrawals. If you exceed the restrictions more than three times during a 12-month period, we will close the savings or money market account and transfer the funds to a checking account.
You cannot cancel your transfer after it has been entered in Internet Banking and the information transmitted to us. You can correct information about a transfer before you send us the information, and you can use Internet Banking to reverse a transaction after it has been entered.
The date and amount of transfers made through Internet Banking will be showed on the Internet Banking screen and will also be shown on your printed statements for the accounts from which and to which the transfer is made.
If you believe an unauthorized person has know your Access Code and/or password, or that someone has transferred money without your permission, call Guthrie County State Bank immediately at:
1-877-755-2400 (Panora Toll Free) or 1-866-747-2218 (Guthrie Center Toll Free), e-mail us at firstname.lastname@example.org or write to:
Guthrie County State Bank
P.O. Box 757
Panora, Iowa 50216
Guthrie County State Bank
P.O. Box 8
Guthrie Center, IA 50115
Tell us immediately if you believe your Access ID or Password has become known to an unauthorized person or if an unauthorized transaction has occurred involving your account. Telephoning is the best way to keep your possible losses to a minimum.
If you tell us within two business days after you learn that your Access ID and Password have become known by an unauthorized person, you can lose no more than $50.00 if an unauthorized person used your personal codes without your permission to process a transaction. If you do NOT tell us within two business days, and we can prove that we could have stopped someone from using your Access ID or Password without your permission if you had told us, you could be liable for as much as $500.00.
Also, if your statement shows electronic funds transfers that you did not make or authorize, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time period.
If we do not make a transfer on time, or in the correct amount according to your instructions, we will be liable for your proximately caused damages. However, there are some exceptions. We will not be liable, for instance, if
In case of errors or questions about your electronic deposit or loan transactions, call Guthrie County State Bank immediately at 1-877-755-2400 (Panora Toll Free) or 1-866-747-2218 (Guthrie Center Toll Free), email us at email@example.com or write to:
Guthrie County State Bank
P.O. Box 757
Panora, Iowa 50216
Guthrie County State Bank
P.O. Box 8
Guthrie Center, IA 50115
If you think your statement is wrong or if you need more information about an electronic transaction listed on the statement, contact us as soon as possible. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared, and you must:
(a) Tell us your name and account number;
(b) Describe the electronic transaction you are unsure about, and explain why you believe an error has occurred or why you need more information;
(c) Tell us the dollar amount of the suspected error.
If you tell us verbally, we may require that you send your complaint or question in writing within ten business days.
We may require you to provide your complaint in the form of an affidavit. We will tell you the results of our investigation within ten business days and will correct any error promptly. If we
need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provisionally recredit your account within ten business days for the amount you think is in error, so that you will have the use of your money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten days, we may not provisionally recredit your account.
If you are a new customer, for electronic funds transfer occurring during the first 30 days after the first deposit is made to your account, the applicable time periods for action by us are up to 20 business days (instead of ten) and 90 calendar days (instead of 45).
If we determine that there is no error, we will send you an explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.
In the event you wish to discontinue using Guthrie County State Bank Internet Banking contact GCSB in writing or send us an e-mail at firstname.lastname@example.org. We may at any time terminate your Internet Banking service. We will mail notice of termination to you at your address as shown on the GCSB’s records.