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1st Choice NetTeller is FREE!
Special Promotions are offered exclusively for NetTeller users!
(But You've Got to Sign Up... Here's How)

Banking online is fast, convenient and free...but you've got to sign up. All the conveniences of banking without lines, late hours and more are right at your fingertips, so print this form and fill it out. Then just FAX it to us, drop it off at your favorite FNB branch or drop it in the mail to the address below or click submit online below.

Submit online or Print this form and bring the completed form to one of our offices or mail it to:

First National Bank
P.O. Box 950
Helenwood, TN 37755
Attn: Valerie Botts

or FAX it to: (423) 663-4049, Attn: Tracey Miller

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Agreement and Disclosure Statement

This agreement states the terms and conditions that apply when you use First National Bank of Oneida 's "1st Choice NetTeller." These terms and conditions are in addition to those that apply to any accounts you have with us or any other services you obtain from us. You must follow all of our instructions and procedures applicable to the services covered by this agreement.

"You" and "Your" mean each person who establishes an internet banking customer account with us or who uses or is authorized to use an internet banking identification number and password or other means of access we establish or approve. The term "1st Choice NetTeller" service means our service that allows you to make payments, transfer funds, access accounts, obtain information and perform other transactions over the internet by use of a personal computer and modem and/or other means we authorize or allow.

Business Days

Our "1st Choice NetTeller" service is generally available 24 hours a day, 7 days a week. However, we only process transactions and update information on business days. Our business days are Monday through Friday. Transfers made after 4:00 p.m. will be processed on the next business day. Holidays are not included.

Identification Number and Password

To access our "1st Choice NetTeller" service, you must use the identification number and/or other means of access we establish or provide for your internet customer account, together with a password. Anyone to whom you give your internet banking identification number and password or other means of access will be presumed by the bank to be authorized by you to have full access to your accounts. We strongly discourage allowing others access to your accounts and your account information. All risk of unauthorized access to your accounts through the use of your internet banking identification number and password shall be borne by you. The customer(s) will protect the password and hold the bank harmless from unauthorized use. Any information downloaded by the customer(s) becomes property and responsibility of the customer(s).

Internet Banking Transactions

You, or someone you have authorized by giving them your internet banking identification number and password or other means of access (even if that person exceeds your authority), can instruct us to perform the following transactions:

Make transfers between your qualifying accounts to the extent authorized;

Obtain information that we make available about your qualifying accounts; and

Obtain other services or perform other transactions that we authorize.

Limits on Internet Banking Transactions

You must have enough available money or credit in any account from which you instruct us to make a payment or transfer. If any of your qualifying accounts are money market or savings accounts, certain types of withdrawals from those accounts, including payments and transfers, are limited to a total of no more than 6 in any specified period. The specified period for a money market account is 6 transfers in a month - which can be debits, debit cards, automatic transfers, internet transfers, or only 6 may be checks payable to third parties. The specified period for savings accounts is limited to 6 withdrawals in a statement cycle, which is semi-annually. You also agree to the "Terms and Conditions of Your Deposit Account" that you received when you opened your deposit account. You can request another one of these at the time you submit your "1st Choice NetTeller" application.

Our Liability for Failure to Complete Payment or Transfers

If we do not complete a payment or transfer on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are exceptions. We will NOT be liable, for example,

  1. If, through no fault of ours, you do not have enough available money in the account from which a payment or transfer is to be made, or if the account has been closed or is not in good standing, or if we reverse a payment or transfer because of insufficient funds.
  2. If any payment or transfer would go over the credit limit of any account.
  3. If your equipment or ours was not working properly and the breakdown should have been apparent to you when you attempted to conduct the transaction.
  4. If you have not given us complete, correct or current account numbers or other identifying information so that we can properly credit your account or otherwise complete the transaction.
  5. If you do not properly follow our instructions or if you provide us with wrong or inaccurate information or fail to correct or tell us about any inaccuracy of which you are aware.
  6. If you do not instruct us soon enough for your payment or transfer to be received and credited by the time it's due.
  7. If the money in the account from which a payment or transfer is to be made is subject to legal process or other claim restricts the transaction.
  8. If circumstances or persons beyond our control prevent, delay, intercept, or alter the transaction, despite reasonable precautions that we have taken.

OPTIONAL BILL PAY SERVICE

You authorize us to deduct payment transactions generated by the Bill Pay service from the primary checking account designated. Payments may be made only to Payees with a U. S. payment address. You may not make a payment of alimony, child-support, taxes or other governmental fees or court-directed payments through the Bill Pay service. First National Bank does not recommend using online Bill Pay service to fund brokerage or investment services. Payments for these payees will be your sole responsibility if delayed or improperly processed or credited. First National Bank reserves the right to restrict types of payees to whom payments may be made using the Bill Pay services from time to time. Loan payments sent electronically through the Bill Pay service, other than the amount due, cannot be designated as principle, interest or payoff. If at any time, you decide to discontinue this service, you must provide written notification to us. First National Bank reserves the right to terminate your use of Bill Pay at any time, without prior notice.

The optional Bill Pay service is free. There is no monthly service fee and no per transaction fee. We are not liable for any service fees or late charges incurred by you if you do not provide timely, complete and accurate information, or if you do not properly follow our instructions. You also understand that you are responsible for any loss or penalty incurred due to insufficient funds or other conditions that may prevent the posting of payment from your account. If you do not actively use the Bill Pay service on a monthly basis, you may be subject to fees and/or cancellation of service.

NetTeller Only (Free) - Online Banking access allows you the ability to view account information, view and download statement information and transfer monies between accounts.

NetTeller with Bill Pay (Free) - Bill Pay access allows you the ability to view account information, view and download statement information, transfer monies between accounts and unlimited Bill Pay. Bill Pay is free. There is no monthly service fee and no per transaction fee.

RIGHT TO STOP PAYMENT OF PRE-AUTHORIZED TRANSFERS/BILL PAY STOP PAYMENT

If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here's how:

Call your local office, call bookkeeping at (423) 663-4044 or write to us at First National Bank, P. O. Box 950, Helenwood TN 37755 in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after your call.

Bill Pay Stop Payment - For electronic payments - you cannot place a stop payment on electronic payments, however you can delete the payment from the Bill Pay system before 11:00 a. m. EST, the day before the scheduled payment date. For Bill Pay checks - you can place stop payment orders on these payments by call bookkeeping at (423) 663-4044.

ACCOUNT OWNERSHIP
You agree that the provisions of joint account ownership apply to the Online Banking service if the account(s) being accessed is jointly owned. ANY ACCOUNT THAT REQUIRES MORE THAN ONE SIGNATURE CANNOT BE DESIGNATED FOR BILL PAY

Statements

Your "1st Choice NetTeller" payments and transfers will be indicated on the monthly statements we provide or make accessible to you. You agree to notify us promptly if you change your address or if you believe there are any errors or unauthorized transactions on any statements, or statement information.

Your Liability

Each of you agrees, for yourself, to the terms of this account. You are liable for all transactions that you make or authorize, even if the person you authorize exceeds your authority. If you have given someone your internet banking number and password or other means of access and want to terminate that person's authority, you must change your identification number and password to other means of access or take additional steps to prevent further access by such person.

Unauthorized Transactions or Loss or Theft of Your Internet Banking Identification Number or Password

If you believe your internet banking identification number or password or other means of access have been lost or stolen or that someone has used them without your authorization, call us immediately at (423) 663-4044 during normal business hours. After hours you may e-mail us at Support@fnboneida.com. Quickly telephoning us is the best way of reducing your possible losses. Not all e-mail may arrive at their destinations. We will send an e-mail back to you as your confirmation that we did receive it. Because the internet is not secure from mail being read by someone else, do not include any of your account or social security numbers with your e-mail. Your name, address, and a brief message as to what the problem might be is all we need.

In case of errors or questions about your 1st Choice NetTeller, you may contact us at 1st Choice NetTeller Error Resolution, First National Bank, PO Box 950 , Helenwood , TN 37755 , Telephone (423) 663-4044. If you think your statement is wrong, or if you need more information about a transfer listed on the statement, notify us immediately. We must hear from you no later than sixty (60) days after we first sent the statement on which the problems or error appeared. When notifying us, please:

  1. Tell us your name and account number;
  2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information;
  3. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.

We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will re-credit your account within ten (10) business days, for the amount you think is in error so that you will have the use of the 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 (10) business days, we may not re-credit your account.

We will send you a written explanation of our findings within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

First National Bank of Oneida
Electronic Statement(s)/Notice(s) of Delivery
Terms and Conditions

This agreement is made between you and First National Bank of Oneida and provides your request and consent to receive statements and notices for your demand deposit account(s) by electronic delivery. These electronic statements and notices are called "eDocs".

By enrolling for eDocs, you are electing to receive your statement by email. Once enrolled, you will receive your next statement by U.S. mail AND by email; and from then on, you will only receive your statement by email. Although you are opting out from receiving your statement(s)/notice(s) by U.S. mail, you have the option to receive a paper statement, at any time, by request.

There are currently no service charge fees for the use of eDocs. However, you agree that First National Bank of Oneida has the right to institute or change the fees for eDocs upon ten days prior written notice to you. In addition, First National Bank of Oneida has the right to amend these terms and conditions from time to time by providing you with written notice of the amended terms and conditions.

You agree to waive and release any claims against First National Bank of Oneida arising out of or that may in any way be related to the use of eDocs, except for those claims resulting solely from the negligent acts or omissions of the Bank. You agree that you are solely responsible for any loss due to use of eDocs by you, any authorized user, or any unauthorized user or recipient who gains access to eDocs through your computer or information obtained directly or indirectly from you.

You must be a First National Bank of Oneida customer to enroll for eDocs and have at least one First National Bank of Oneida demand deposit account. Adobe Acrobat Reader® version 6.0 or higher is required to open and view your statement(s)/notice(s)*. To download the latest version of Adobe Acrobat Reader®, click here. We also recommend that you use the latest browser version available that supports 128 bit SSL Encryption.

*Acrobat and Reader are registered trademarks of Adobe Systems Incorporated in the United States and in other countries. THIS PRODUCT IS NOT ENDORSED OR SPONSORED BY ADOBE SYSTEMS INCORPORATED, PUBLISHER OF ACROBAT READER.

You will need email access with at least 1MB of free space to receive your statement(s)/notice(s). Your statement(s)/notice(s) will be sent to the email address that’s on file with First National Bank of Oneida. It is your responsibility to keep your email address updated on NetTeller Internet Banking. You have the option to have your statement(s)/notice(s) emailed to one additional recipient. It is your responsibility to maintain the ID, Password, and email addresses for these additional recipients.

With eDocs, you receive next day delivery of your statement(s)/notice(s). The delivery method used is a 'Push' method meaning your statement(s)/notice(s) are emailed to you as a secure .pdf (Portable Document Format) attachment.

Statement(s)/notice(s) are sent as a "shell" .pdf without customer data. Once the user logs into eDocs, the ID and Password are authenticated and the data fills the PDF document. The data included in the statement(s)/notice(s) is streamed via a secure 128-bit SSL encryption.

Your NetTeller Internet Banking ID and Password are your keys to eDocs. It takes both identification keys to gain access. No one representing First National Bank of Oneida will ask for your Password. You should never give your Password to anyone who asks for it in an email or by phone or anyone else who you do not want to have access to your account.

Statement(s)/Notice(s) can be printed or saved to a file on your computer for easy storage. The past two months’ statement(s)/notice(s) will be available on NetTeller Internet Banking for your convenience.

You have the option to receive check images with your electronic statement.
You have the right to terminate eDocs at any time by logging into NetTeller and changing your eDocs settings from the Document Settings tab. First National Bank of Oneida has the right to terminate its obligation to provide electronic statement(s)/notice(s) services to you upon ten days prior written notice.

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