This Online Banking Access Agreement contains the terms and conditions that govern your use of Online Banking. By accessing your accounts through Texas Traditions Bank using the services described below or future services offered by the Texas Traditions Bank Online Banking Site, you agree to be bound by the terms of this agreement. If you have any questions or do not understand this agreement, please contact us prior to your use of the service.
The terms and conditions of the deposit agreement and disclosures for each of your Bank accounts, as well as your other agreements with Texas Traditions Bank, such as loans continue to apply notwithstanding anything to the contrary in this Agreement.
This Agreement is subject to applicable federal laws and laws of the State of Texas. (Except to the extent this Agreement can and does vary such rules and laws). If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. The headings in this Agreement are for convenience or reference only and will not govern the interpretation of the provisions. Any waiver (express or implied) by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or subsequent default or breach. You may not assign this Agreement. This Agreement is binding upon your heirs and Bank’s successors and assigns. This Agreement constitutes the entire agreement between you and Texas Traditions Bank with respect to the subject matter hereof and there is no understandings or agreements relative hereto which are not fully expressed herein.
As used in this Agreement, the words “we”, “our”, “us”, and “Bank” mean Texas Traditions Bank “You”, and "your" refer to the account holder authorized by Texas Traditions Bank to use Texas Traditions Bank’s Online Banking System under this Agreement and anyone else authorized by that account holder to exercise control over the account holder’s funds through Texas Traditions Bank’s Online Banking System. “Account” or “accounts” means your accounts at Texas Traditions Bank. “Electronic Funds Transfers” means any transfer of funds initiated through Texas Traditions Bank’s Online Banking Services for the purpose of ordering, instructing, or authorizing Bank to debit or credit any of your accounts. “Business Days” means Monday through Friday. Holidays are not included.
Access to Banking Services
In order to activate your Online Banking Services, you must complete and electronically return an Online Banking Application. Only Authorized Users may access Online Accounts. At the time of your initial access to Online Banking Services, you will be prompted for several key pieces of information that allow the Online Banking System to authenticate you. When we commence your ability to access the System, we will establish access for you using a temporary Password. You will be required to change your Password upon your first login. You will then be allowed to define an Access ID and Password. In your electronic communications with us, you must use your Access ID and Password to initiate a secure System session with us. In the event after you enter your Access ID your computer device is not recognized; you may be prompted with additional security measures requesting a one-time passcode to be entered which will be sent by voice or text. You may then use the tools provided by us within the System. You agree that you will not under any circumstances disclose your Password to anyone, including anyone claiming to represent the Bank. Any person having access to your Online Banking Services ID and Password will be able to access the Online Banking Services and perform all transactions, including reviewing Online Account information and making payments to other persons, for all accounts you have Online Account Access to.
To use Online Banking, you must have at least one account established at Texas Traditions Bank and access to Internet Service with a browser that supports 128-bit encryption. You must complete an Online Banking Application and agree to the terms and conditions set forth in the Online Banking Access Agreement. Texas Traditions Bank reserves the right to decline any applicant who does not meet our internet banking requirements. Business customers must complete and sign a Treasury Management Services Authorization as well as agree to the terms in the Treasury Management Services Agreement, and depending on the services they request, may have to sign additional Agreements.
Online Banking can be used to access only the Bank accounts that you have authorization to access. We undertake no obligation to monitor transactions through Online Banking to determine that they are made on behalf of the account holder.
Subject to the terms of this Agreement, you should be able to access your accounts through our website (referring to www.txtraditionsbank.com) 24 hours a day, 7 days a week. At certain times this service may not be available due to system maintenance or uncontrollable circumstances. Texas Traditions Bank will still have services available through ATM and by phone during normal business hours at our banking facilities assuming no major disaster has occurred.
Your Password must be at least eight characters in length and consist of both alpha and numeric characters as well as a special character for purposes of security. We recommend that you create a Password that utilizes both upper- and lower-case characters (at least one upper case character is required). Your Password should not be associated with any commonly known personal identification, such as social security numbers, address, date of birth, names of children, and should be memorized rather than written down.
We are entitled to act upon instructions we receive with respect to any Service under your Access ID and Password. You are liable for all transactions made or authorized with the use of your Password. We have no responsibility for establishing the identity of any person who uses your Password. You agree that if you give your Password to anyone or fail to safeguard its secrecy, you do so at your own risk since anyone with your Password will have access to your accounts.
You agree to indemnify and release Bank from all liability and agree not to make any claim against Bank or bring any action against Bank, relating to its honoring or allowing any actions or transactions that were conducted under your Password or acting upon messages or authorizations provided to us using your Password.
You agree that we shall not be responsible for any loss, property damage or bodily injury arising out of or resulting from the failure of any person to provide you with access to System, whether caused by the equipment, software, the Bank, Internet service providers, Internet browsers, or the parties providing communication services to or from us to you. We are not liable for war, acts of government that may restrict or impair use of System services, hurricanes, floods or other disasters, nor shall we be responsible for any direct, indirect, special or consequential, economic or other damages relating in any way to the foregoing.
By directing us, using the Online Banking System, any Services initiated with your Access ID and Password, you authorize Bank to complete the transaction. Any requests or instructions we receive from you through the System using your Access ID and Password shall constitute writings with your signature as provided under all applicable law and shall have the same force and effect as a writing signed by you. This includes, but is not limited to, requests with respect to funds in your account; transferring money, stop payment orders, changes to accounts or services or any other communication you provide us with through the System using your Access ID and Password. You understand the importance of your role in preventing misuse of your accounts through the Online Banking System, and you agree to promptly examine the statement for each of your Bank accounts as soon as you receive it.
Your access to the System will be blocked in the event your Access ID and Password is entered incorrectly on three consecutive attempts. If this happens, please call us at (281) 505-9500. You acknowledge and agree that you have approved and will abide by the security procedures set forth in this agreement and any other security procedures established by Texas Traditions Bank that have and/or will be presented to you in the future. You also acknowledge and agree that these procedures are commercially reasonable and adequate for the purpose intended. It is your responsibility to protect your computer from all computer threats, such as viruses.
Bill Payment Service
The Bill Payment Service permits you to use your Internet-enabled device to direct payments from your designated Bill Payment Account to third parties you wish to pay. Your Bill Pay Account must be a checking account. Through the Bill Payment Service, you can pay bills from your Bill Pay Account to businesses or individuals.
All payments you make will be deducted from the account that you designated as your Bill Pay Account for the Bill Payment Service. Any payments you wish to make through this service must be payable in U.S. dollars to a payee located in the continental United States. We reserve the right to restrict types of payees to whom payments may be made using the Service from time-to-time.
You should not use the Bill Payment Service to make payments to settle securities purchases, payments to interest bearing accounts, tax payments (county, state or federal), or court ordered payments. Payments for these payees will be your sole responsibility if delayed or improperly processed or credited.
Funds must be available in your Bill Payment Account on the scheduled payment date. If the date you schedule a payment to be initiated falls on a non-business day (Saturday, Sunday or a holiday), funds must be available in your Bill Payment Account the following Business Day. We may make the payment either by transferring funds electronically to the payee or by mailing the payee a check. In either case, the Bill Payment Account is debited on the date the payment is scheduled to be sent, which will be earlier than the date the payment is received by the payee.
You may choose to schedule payments to recur in the same amount at regular weekly, semi-monthly or monthly intervals. When you create a new payee in the Bill Payment Service, the payee has a temporary status until we have had sufficient time to set up the account, and for your business payees, verify information about your account. You should schedule a payment to a new payee at least ten (10) Business Days before any payment due date, to allow us time to set up the payee and verify information about your account with the payee.
For all subsequent payments, you agree to allow at least seven (7) Business Days between the date you schedule a payment to be initiated and the payment due date (that is, the due date shown on your invoice or provided in your agreement with the payee, not considering any applicable grace period). If you do not, you will be fully responsible for all late fees, finance charges or other action taken by the payee. If you schedule your payment and follow all instructions provided, but the payment is not received by the payee in a timely manner, we will work with the payee on your behalf to attempt to have any late fees or charges reversed.
We are only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this Agreement. We will not be liable in any way for damages you incur if you do not have sufficient funds in your Bill Payment Account to make the payment on the processing date, for delays in mail delivery, for changes to the payee's address or account number unless you have advised us of the change sufficiently in advance, for the failure of any payee to correctly account for or credit the payment in a timely manner, or for any other circumstances beyond our control.
If the session during which you schedule a payment or transfer ends by 3:00 PM (CST) on a Business Day, we will consider having received it on that day. Otherwise, it will be considered received on the following Business Day. For all entries made using the Bill Payment Service the time recorded by the Bill Payment Service controls when an entry is considered received.
If your Bill Payment Account does not have sufficient funds to make a payment as of the date the transfer or payment is made, we are under no obligation to make a payment or transfer on your behalf, and we shall have no liability if we do not complete a transfer or payment because there are insufficient funds in your account to process a transaction.
If we do make a payment at a time when your Bill Payment Account does not have sufficient funds, we reserve the right to exercise any collection efforts deemed necessary in order to recover payments made on your behalf.
We may place a block on your Bill Payment Service, which means that no further bill payments will be processed until you make funds available to pay for the item.
If we do not process a bill payment because of insufficient funds in your Bill Payment Account, a system generated email will notify you by the next Banking Day after the payment was scheduled. In the event of recurring insufficient funds your Bill Payment Service will be terminated.
If you wish to change or cancel a pending payment, you must do so using the Service. If you ask us to cancel a payment after we have issued a check and we agree to do so, we may charge you a stop payment fee. However, you should be aware that your initiation of certain electronic transfers will effectively eliminate your ability to stop payment of the transfer. UNLESS OTHERWISE PROVIDED IN THIS AGREEMENT, YOU MAY NOT STOP PAYMENT OF ELECTRONIC FUND TRANSFERS. THEREFORE, YOU SHOULD NOT EMPLOY ELECTRONIC ACCESS FOR PURCHASES OR SERVICES UNLESS YOU ARE SATISFIED THAT YOU WILL NOT NEED TO STOP PAYMENT.
The fee for the Bill Payment Service is Free. Additional Charges do apply for Subscriber requested Services and Other Items. For information on additional charges for requested services and other items please refer to the Bill Payment Service Terms and Conditions.
We process the payments you make through Bill Pay Service in one of the following ways:
We may send payments through an electronic transmission to the Payee. Payees who receive electronic delivery will receive your payment information, including your account number, through a computer link. Payments made electronically are generally received and credited by most payees within three business days.
We may send payments by check mailed to the Payee. When more than one customer schedules a payment to the same Payee on the same date (which frequently happens), we may issue a consolidated check to the Payee with an accompanying paper list of each customer by name, of each account number to be credited, and of the amount of each payment. We send all checks through the U.S. mail. Payments made with a bank check are generally received and credited by most Payees within five business days.
From time to time, we may receive instructions from a Payee that direct us, in order to ensure the timely processing of your payment, to send your payment to an address other than the one that you provided us, or that direct us to make your payment electronically rather than by check, to an account owned by the Payee at another financial institution. When we receive such payment instructions from the Payee, we may follow those instructions, to help ensure that our payment is received by the Payee and promptly credited to your account.