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Consumer Internet Banking Agreement & Disclosure

Please read this Blackhawk Bank Online Banking Agreement carefully.  By using any of Blackhawk Bank's Online Banking Services, you agree to the provisions of this Agreement. 

After reading the Agreement, close this page and return to the Online Banking Application.  Click 'I Agree' to continue enrollment in NetTeller.

This Agreement states the terms and conditions that apply when you use NetTeller Online Banking and Bill Payment Service. These terms and conditions are in addition to those that apply to any accounts you have with us or any other services you may obtain from us. You must also 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 user identification number and password or other means of access we establish or approve. The term “Internet Banking” 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 computer, by mobile access device such as a telephone and/or other means we authorize or allow.

VIRUS PROTECTION
Blackhawk Bank is not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their PC and other mobile devices using a reliable anti-virus product to detect and remove any viruses found. An undetected or un-repaired virus may corrupt and destroy your programs, files, and even your hardware. Additionally, you may unintentionally transmit the virus to other computers.

Supported Browsers - NetTeller Online Banking Only Supports the Current and Prior Major Release:
  • Microsoft Internet Explorer  - IE
  • Firefox
  • Safari: Mac / Apple Users Only
    Effective August 8, 2013, the current and prior major release of Safari will be supported for Apple/Mac users only.  Safari will no longer be a supported browser for Windows users.  This is a security based change to the policy as a result of Apple's decision to not allow Windows users to update beyond the 5.1.7 version of Safari.  At this time, Windows Safari users are exposed to at least 121 unpatched items.     
  • Google Chrome

Utilizing older browsers may result in disabled functionality or limited access to services.

If you are using a non-supported browser, an embedded browser or a browser add-in, you may experience functionality issues with Internet Banking. If this occurs, please download one of the browsers listed above or remove the add-in and attempt the action again.

We do not recommend using a Beta version of any browser. When new versions of browsers are fully tested and deemed compatible with the Internet Banking product, they will be updated on the supported browsers list.

The following types of browsers and tools are not recommended or supported for use with Internet Banking: Embedded browsers contained within Personal or Commercial Financial Management Software (Quicken, Quickbooks, Money, etc.), browser bars within AOL, Yahoo, Google, etc., Internet Portal access within gaming systems such as XBox, use of browser Add-Ins (Emoticons, FunWeb Services, etc.)

PLEASE NOTE: Your browser MUST accept “Cookies” to utilize this service. Each browser handles Cookies uniquely. Please check with your browser software manufacturer to determine how to verify that your settings will accept Cookies.

ACCOUNT AGREEMENTS 
The terms and conditions in this Agreement are in addition to any deposit account agreements you have with Blackhawk Bank, including, but not limited to, your Signature Card, Electronic Funds Transfer Disclosure, Funds Availability Disclosure, Account Deposit Rules, any loan agreement you have with Blackhawk Bank and any change in terms and notices.

IDENTIFICATION NUMBER AND PASSWORD 
To access our Internet Banking service, you must use the user identification number and/or other means of access we establish or provide for your Internet Banking Customer Account, together with a Password. Anyone to whom you give your Internet Banking User ID and Password will have full access to your accounts even if you attempt to limit that person’s authority.

Because your Password is used to access your accounts, you should treat it as you would any other sensitive personal data. You should carefully select a Password that is hard to guess. (We suggest you stay away from dates and any other information that may easily be deciphered.) Keep your Password safe. Memorize your Password and never tell it to anyone. Change your Password frequently. This can be done at any time when you enter an Internet Banking session by accessing the Options tab within NetTeller.

Your NetTeller ID and online banking Password were issued to you for your security purposes.  The numbers are confidential and should not be disclosed to third parties.  You are responsible for safekeeping this information.  You agree not to disclose or otherwise make your NetTeller ID and online banking Password available to anyone not authorized to sign on your accounts.

INTERNET ACCESS ACCOUNT(S) 
You may not transfer funds from any account that requires more than one signature for withdrawals. You must be an owner or authorized signer on each account you wish to access/view.

NO SIGNATURE REQUIRED 
When using the service to conduct banking transactions or to pay bills, you agree that we may debit your account to complete the banking transactions, pay bills, or honor debits you have not signed.

NO DUTY TO MONITOR PAYMENTS
The Bank has no duty to monitor payments made through its Bill Payment service.  If you are a business and an authorized representative of yours uses the Bill Payment service to pay bills which are not yours, you assume the entire risk of loss and indemnify and hold the Bank, its directors, officers, employees, and agents harmless from all loss, liability, claims, demands, judgments, and expenses arising out of or in any way connected with such use.

JOINT ACCOUNTS 
The provisions of this “Joint Accounts” section apply if your accounts subject to the services with us are joint accounts.  Each of you is jointly and severally obligated under the terms of this Agreement as well as the original Account Agreement(s) governing your joint accounts. Each of you acting alone may perform transactions, obtain information, terminate this Agreement or otherwise transact business, take actions, or perform under this Agreement. We are not required to obtain the consent of, or notify either of you of actions taken by the other. However, each of you will only be permitted to access accounts for which you are an owner or authorized user. Each of you individually releases us from any liability and agrees not to make any claim or bring any action against us for honoring or allowing any actions or transactions where the person performing the action or transaction is one of you or is otherwise authorized to use your Blackhawk Bank Online or Bill Payment Accounts. Each of you agrees to indemnify us and hold us harmless from and against any and all liability (including, but not limited to, reasonable attorney fees) arising from any such claims or actions.

SYSTEMS AND SOFTWARE 
We shall not be responsible to you for any loss or damages suffered by you as a result of the failure of systems and software used by you to interface with our systems or systems and software utilized by you to initiate or process banking transactions, whether such transactions are initiated or processed directly with our systems or through a third party service provider. You acknowledge that you are solely responsible for the adequacy of systems and software utilized by you to process banking transactions and the ability of such systems and software to do so accurately.

INTERNET BANKING TRANSACTIONS 
Our Internet Banking service is generally available 24 hours a day, 7 days a week. We only process transactions and update information on business days. Our business days are Monday through Friday. Holidays when the bank is closed are not considered business days.  Any account transfers made via Internet Banking before 7:00 p.m. Monday through Friday will be posted on the same business day. Internet Banking services will allow you to perform the following transactions:

  • Transfer funds from checking to checking
  • Transfer funds from checking to savings
  • Transfer funds from savings to savings
  • Transfer funds from savings to checking
  • Transfer funds from Equity Line of Credit to checking
  • Make payments from checking to loan accounts with us
  • Make payments from savings to loan accounts with us

You will also be able to:

  • View account information
  • View the current balance
  • View account history since your last statement
  • Download account information
  • Pay bills online
  • Receive e-statements

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 savings or Money Market accounts, certain types of withdrawals from those accounts, including payments and transfers, are limited. Federal law requires that an Account Holder make no more than six (6) transfers or withdrawals during any statement cycle from these types of accounts. The kinds of withdrawals covered by this limitation are those made by means of preauthorized transfers, automatic transfers, telephone transfers, and withdrawals made by check, draft, debit card, or similar order payable to third parties. You also agree to the “Terms and Conditions of Your Deposit Account Agreement” that you received when you opened your deposit account. You can request another one of these at the time you fill out your Blackhawk Bank Internet Banking application.

Account balances may also differ from your records due to deposits, outstanding checks or other withdrawals, payments, or charges in process. A transfer request may not result in immediate availability because of the time required to process. If you have further questions please contact Blackhawk Bank’s Client Services Department at 608.364.8924 (toll free 866.771.8924), your Personal Banker at any of our convenient locations, or email us at nethelp@blackhawkbank.com. Please note: Email is not a secure method of communication over the Internet. We recommend that you do not include any personal information (like your account number or social security number) in your email.

OUR LIABILITY FOR FAILURE TO COMPLETE PAYMENTS 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 instance:

  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 you have an overdraft line of credit and the payment or transfer would go over the credit limit.
  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. Natural disasters (fire, floods, tornadoes, etc.) or other uncontrollable circumstances prevent proper completion and delivery of the transaction.
  5. If the money in the account from which a payment or transfer is to be made is subject to legal process, or other claims restrict the transaction.
  6. If circumstances or persons beyond our control prevent, delay, intercept or alter the transaction, despite reasonable precautions that we have taken.
  7. Other applicable laws and/or regulations that exempt us from liability.

Electronic Bill Payments are verified for funds availability during processing. If the funds are not available with the 2 a.m. processing, we will try again at the 12:00 p.m. (Noon) processing. You will receive a message after processing informing you that the payment could not be processed due to insufficient funds. The system will continue to try to process the payment until either your account has the funds, or you delete the payment.

DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES 
We will disclose information to third parties about your account(s) or the transaction(s) you make if at least one of the following applies:

  1. Where it is necessary for completing the transaction;
  2. In order to verify the existence and condition of your account for a third party such as a credit bureau or merchant;
  3. If written permission is given to us by you; or
  4. In order to comply with a government agency or a court order

COLLECTION OF INFORMATION 
Where website security is concerned, we employ state-of-the-art technology to keep your information secure. With regard to information collection, our software also requires that your browser accept cookies. A “cookie” is a way for web sites to recognize whether or not you have visited the site before, by obtaining a small piece of information that a web server can store on your web browser. This is useful for having your browser remember some specific information, which makes your online experience easier and more personalized. Cookies cannot be used to obtain data from your hard drive, get your email address or steal sensitive or personal information about you that you have not already explicitly revealed.

LIABILITY FOR UNAUTHORIZED TRANSFERS 
Tell us AT ONCE if you believe your password has been lost or stolen or if you believe that an electronic funds transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You will not be liable to us for any unauthorized electronic transfers to or from your account if reported within 2 business days of discovering the loss. However, you may lose no more than $50.00 if someone has used your password without permission. If you believe your password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call, email, or write us at the telephone number and address below.  

Also, if your statement shows transfers that you did not make, 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 will extend the time periods.

ERROR RESOLUTION NOTICE 
In case of errors or questions concerning transactions completed using Internet Banking, please do one of the following as soon as possible:

  1. Telephone Blackhawk Bank’s Client Services Department at 608. 364.8924 (toll free 866.771.8924) or your Personal Banker at any of our convenient locations;
  2. Write to Blackhawk Bank at P.O. Box 719, Beloit, WI 53511; or
  3. Email us at nethelp@blackhawkbank.com. Please include your name, address, and a brief message as to what the problem might be. Because email is not a secure method of communication over the Internet, we recommend that you do not include personal information (like your account number or social security number) in your email.

We must hear from you within 60 days after you receive the first statement or notification in which the error or problem appeared. Please include the following information:

  • Tell us your name and account number (if applicable).
  • Describe the error you are unsure about and explain why you believe it is an error or why you need more information.
  • 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 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 45 days (90 days if the transfer involved a point-of-sale transaction, foreign-initiated transfer, or a new account) to investigate your complaint or question. If we decide to do this, we will re-credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have use of the money during the time it takes to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your account.

If we determine that there was no error, we will send you a written explanation of our findings within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

PREAUTHORIZED PAYMENTS, RIGHT TO STOP PAYMENT AND PROCEDURE FOR DOING SO
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 or write our Client Service Department at 608.364.8924 (toll free 866.771.8924), P.O. Box 719, Beloit, WI 53511 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.  We will charge you $30.00 for each stop-payment order you give and it will be in force for either one payment or for all future payments based on your request.  You may release your stop payments at any time by contacting Client Services at the numbers/address above.

These regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be.  (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)

If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

SPECIAL INFORMATION ABOUT THE ONLINE BANKING STOP PAYMENT SERVICE
The online banking system includes an option to securely enter stop payment information.  This stop payment feature is designed to submit a request to stop payments on checks you have written.  Blackhawk Bank does not guarantee the ability to successfully stop a payment within the first 24 hours from the time of the request due to timing issues.  The stop payment order is effective for only six months, unless it is renewed in writing.  Once a stop payment order expires, the Bank may pay the item.  A charge of $30.00 will be assessed for each stop payment order received via this method.  This service is not available to cancel the electronic payments scheduled through the bill payment service.  If you have a problem with a bill payment, please contact Client Services at the number above.

STATEMENTS, NOTICES AND AGREEMENTS
Your Internet Banking transactions will be indicated on the monthly or quarterly statements we provide or make accessible to you for your accounts. You agree to notify us promptly if you change your address or if you believe there are any errors or unauthorized transactions on any statement. You may elect to receive your statements electronically.  An electronic statement is called an eStatement.  If you have chosen to receive an eStatement, you are electing to receive your statements and other selected notices by email.  Any legal notices that normally accompany your mailed statement will be delivered to you electronically. 

You may cancel eStatements and notices at any time by logging into NetTeller Online Banking, selecting the eStatement tab and unchecking the boxes or by contacting us in one of the following ways:

  • Send us a message through Online Banking by clicking on the Contact button;
  • Contact us by phone; or
  • Write to us with your name, mailing address and signature

Blackhawk Bank     
Client Services Department 
P.O. Box 719
Beloit, WI  53511 

Phone:  608. 364.8924 (toll free 866.771.8924)

If you withdraw your consent, we will send all future statements/notices to you in paper form to the address on file at no additional charge. 

By enrolling online, you agree that we do not need to provide you with an additional paper (non-electronic) copy of this Agreement unless specifically requested.  The Bank reserves the right to modify these terms and conditions at any time, effective upon publication.  Your use of Blackhawk Bank’s NetTeller Online Banking services constitutes agreement to these terms and conditions, and any modification thereof.

All notices from us will be effective when we have emailed or mailed them to your last known address as indicated in our records.  Notices from you will be effective when received by us at the address specified in this Agreement.  We reserve the right to change the terms and conditions upon which this service is offered.  We will either mail or email notice to you at least 21 days before the effective date of any change, as required by law.  Use of this service is subject to existing regulations governing your account and any future changes to those regulations.

NOTICE OF YOUR RIGHTS AND LIABILITIES 
Each of you agrees, for yourself, to the terms of this account and the schedule of charges that may be imposed. You authorize us to deduct these charges as accrued directly from the account balance. You are liable for all transactions that you or any of you make or authorize, even if the person you authorize exceeds your authority. If you have given someone your Internet Banking User ID and Password or other means of access and want to terminate that person’s authority you must change your Password or other means of access or take additional steps to prevent further access by such person.

BILL PAYMENT SERVICES 
(Subject to NetTeller Application Approval) It’s easy to pay bills online. Simply set up your Payees by choosing from the database of vendors (Payees) that already exist, or by entering necessary information to schedule a payment. When you create a new payee in the Bill Payment Service, it has a temporary status until we have had sufficient time to set up the account. You should schedule a payment to a new payee at least 14 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. The payment amounts will automatically be debited from your account plus any fees assessed by the bank if applicable.

When you schedule a funds transfer or bill payment using NetTeller, you authorize us to withdraw the necessary funds from your account with us. We deduct the amount of your funds transfer or bill payment from your account on the date we process your instruction. Each instruction to us to withdraw or transfer from an account is an order to us to pay from that account at that time or on a later date, if any, indicated in the instruction. We may charge payments against the account even though the charge creates an overdraft, or we may refuse to make payments if the charge creates an overdraft. If you overdraw your account, you agree to immediately pay us the overdrawn amount, together with any applicable fees. If the account is maintained in connection with an overdraft protection plan, any overdraft will be made in accordance with the agreement or rules governing that account rather than this Agreement.

Electronic Bill Payments are verified for funds availability during processing. If the funds are not available with the 2 a.m. processing, we will try again at the 12:00 p.m. (Noon) processing. You will receive a message after processing informing you that the payment could not be processed due to insufficient funds. The system will continue to try to process the payment until either your account has the funds, or you delete the payment.

Sufficient time for payments is necessary. Payments should be scheduled seven (7) business days prior to the due date for a “check” payment to be posted with your payee, and five (5) business days for an “electronic” payment.

If the date you request for a future transfer or payment is not a business day, the transaction will be processed on the next business day. If you schedule a recurring funds transfer or bill payment and the payment date does not exist in a month, the payment will be processed on the last business day of that month.

If you follow all of the procedures described in the Agreement and help screens and instructions accurately and completely, and a bill payment has not arrived at the payee within the allowable number of days described on the screen at the time you scheduled the payment, we will reimburse you for all penalties and associated late fee charges incurred due to such a late payment. Situations in which you are responsible for failing to follow procedures and instructions include, without limitation, your failure to schedule the payment a correct number of days before the due date, incorrectly scheduling the payment or supplying incorrect account information.

TERMINATION OF NETTELLER ONLINE BANKING/BILL PAYMENT SERVICES 
Your NetTeller Online Banking and/or Bill Payment Services may be terminated at any time without prior notice due to:

  • Insufficient funds in your account;
  • If your account has been closed or restricted for any reason;
  • You or any authorized user of your NetTeller ID and online banking Password breach this or any other agreement with us;
  • We have reason to believe that there has been an unauthorized use of your NetTeller ID and online banking Password;
  • We notify you or any other party to your account that we have cancelled or will cancel this agreement.

You or any other party to your account may terminate the use of NetTeller Online Banking or Bill Payment Service by contacting Blackhawk Bank in writing by mail, email, or personal delivery to the Bank.

Termination of service will be effective the first business day following receipt of your written notice.  Termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination.

Your online account must be accessed at least once every 365 days in order to keep the account active.  If you allow your online account to become inactive, your privileges may be revoked without further notice.

OTHER PROVISIONS
There may be a delay between the time a deposit is made and when it will be available for withdrawal.  We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account.

FEES 
There are no fees currently for accessing your accounts through Blackhawk Bank’s NetTeller Online Banking or Bill Payment Service (for businesses, a fee will apply.) However, fees, as described in the applicable product or account disclosure or Blackhawk Bank Fee Schedule, may apply to services ordered online and to transfers from a loan account. You authorize us to automatically deduct all applicable charges and fees from your account. Please note that your Internet Service Provider and/or phone company, depending on the arrangement you have established with them, may assess fees.

GOVERNING LAW 
This Agreement is governed by the laws of the State of Wisconsin, including the applicable provisions of the Uniform Commercial Code and all applicable federal laws and regulations.

ENFORCEMENT
In the event either party brings a legal action to enforce this Agreement or collect amounts owing as a result of any account transaction, the prevailing party shall be entitled to reasonable attorney’s fees and costs, including fees on any appeal, subject to any limits under applicable law.

CHILDREN’S ONLINE PRIVACY PROTECTION ACT OF 1998 
We do not knowingly solicit data from children, and we do not knowingly market to children. We recognize that protecting children’s identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.

AMENDMENTS 
Terms and conditions of this agreement may be amended in whole or part at any time with 30 days written notification prior to the change taking effect. If you do not agree with the change(s), you must notify us in writing prior to the effective date to cancel your access. Amendments or changes to the term(s) or condition(s) may be made without prior notice if it does not result in higher fees, more restrictive use of service, or increased liability to you.