Other Disclosures

Requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities.

What this means to you: when you open an account or change an existing account, we will ask each person for their name, physical address, mailing address, date of birth, and other information that will allow us to identify them. We will ask to see each person’s driver’s license and other identifying documents and copy or record information from each of them.

This website has been established by the Bank for the sole purpose of conveying information about the Bank’s products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the bank’s agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the bank’s agreements and disclosures, the agreements and disclosures will control.

From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.

The information and materials contained in this website are owned by the Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.

The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate, however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.

This agreement may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time.

This agreement and the use of this website are governed by the laws of the state of Tennessee.

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.

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.

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).

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:

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, 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.  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.

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:

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 electronically. Once enrolled, you will receive your next statement by U.S. mail AND within your online account; and from then on, you will only receive your statement through your online account.  You will receive an email letting you know when it is available each month.  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)*. Download the latest version of Adobe Acrobat Reader®. We also recommend that you use the latest browser version available that supports 128 bit SSL Encryption.

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) go 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 notice of your statement(s)/notice(s). 

User will logs into their online banking to retrieve their statements. 

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 six 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.

In compliance with Federal Reserve Regulation E, First National Bank of Oneida , TN submits this disclosure to its customers who utilize electronic fund transfers. Electronic fund transfers are transfers of funds (debits or credits) to the consumer’s deposit account by electronic means in lieu of conventional paper-based entries such as a check or deposit ticket. All ATM (automated teller machine) and First National Bank CHECKCARD transactions are governed by this regulation. The Regulation has been provided to ensure that the consumer receives proper documentation for deposits or withdrawals made electronically to his/her account.

Tell us AT ONCE if you believe your First National Bank CHECKCARD, ATM card or PIN has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account. If you tell us within two (2) business days after you learn of the loss or theft of your card or PIN you can lose no more than $50.00 if someone uses your card or PIN without your permission. If you DO NOT tell us within 2 business days after your learn of the loss or theft of your card or PIN, and we can prove that we could have stopped someone from using your card or PIN if you had told us, you could lose as much as $500.00.

Also, if your statement shows any transfer that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty days if we can prove that we could have stopped someone from making the transfers if you had told us in time.

You will be responsible for all transactions made by an authorized user. Use of the card by you or anyone for your benefit or with actual, implied or apparent authority is an authorized user.

Upon receipt of your card, file in safekeeping the card carrier that has your card number printed on it. You will need to report this number should your card be lost or stolen.

Telephone Number and Address To Be Notified in the Event of Unauthorized Transfer

If you believe your card or PIN has been lost or stolen or that someone has transferred or may transfer money from your account without permission, call or write:

Telephone Number (423) 663-4044.

If your First National Bank CHECKCARD is lost and our offices are closed, please call, 1-866-546-8273.

Our regular business days are Monday through Friday. Holidays are excluded.

You may use your First National Bank CHECKCARD to card to access your account(s) through our Automated Teller Machine to:

You may use your First National Bank CHECKCARD to access your First National Bank of Oneida, TN account(s) at other financial institutions automated teller machines to:

Some of these services may not be available at all terminal locations. You may also use your First National Bank CHECKCARD to:

NOTE: We have the right to return any check or other item drawn against your account to ensure that funds are available to pay for CHECKCARD transactions. We may, but do not have to, allow transactions that exceed your available account balance. If we do, you agree to pay the overdraft and the overdraft charges in effect at the time of the overdraft.

Charges For Transfers Or Right to Make Transfers

First National Bank CHECKCARD customers may be charged a fee for cash advance transactions made at a teller window at financial institutions other than First National Bank of Oneida, TN.

Terminal transfers: You get a receipt at the time you make any transfer to or from your account using our First National Bank ATM.

Merchant Receipts: You will receive a copy of the transaction receipt at the time the transaction is originated. You will also receive, on a monthly basis, a statement of your account activity.

Periodic Statement: You will get a monthly account statement unless there are no transfers involving your account(s) in a particular month. In any case you will get a statement quarterly.

If we do not complete a transfer to or from your account 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 some exceptions. We will NOT be liable for instance:

We will disclose information to third parties about your account or the transfer you make:

In case of errors or questions about your electronic transfers, you may contact us at Teller Error Resolution, First National Bank, PO Box 950, Helenwood, TN 37755; telephone (423) 663-4044. If you think your statement or receipt is wrong, or if you need more information about a transfer listed on the statement or receipt, 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:

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. For errors involving point of sale transactions or ATM transactions outside the United States, the periods referred to above are 20 business days, instead of 10 business days and 90 calendar days instead of 45 calendar days.

If we decide that there was no error, 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.

The Bank is authorized to debit any account you have with it for funds obtained by authorized use of the First National Bank CHECKCARD.