City National Bank & Trust - CityNET Terms & Conditions

Obtaining Account Balance and Transaction History
You can obtain balance and transaction history on all accounts that are enrolled in CityNET banking. Account balance is a ‘real-time’ balance while Transaction History reflects activity through the close of the previous business day.

Transferring Funds
Transfers can be made for amounts up to $10,000. The number of transfers from accounts may be limited as described in the applicable portions of the Deposit Account Information brochure. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires. You agree that you will only make transfers when a sufficient balance is or will be available in your account. If your account becomes overdrawn because one or more other transactions posted on the same day a transfer is made, we reserve the right to impose a non-sufficient funds or overdraft fee pursuant to our current fee schedule. A transfer initiated through CityNET before 6:00 PM (Central Time) on a business day is posted to your account the same day. All transfers completed after 6:00 PM (Central Time) on a business day or on a Saturday, Sunday or banking holiday, may be posted on the next business day. Our business days are Monday through Friday, except for banking holidays. "Banking holidays" shall mean all federal banking holidays.

CityNET Bill Pay Service.

Using the Service.
You may use a personal computer to electronically direct the Bank to make payments from your account(s) to third parties ("payees") to receive payment by means of CityNET Bill Pay Service. To gain access to Bill Pay, you will sign on to your online account using your password and complete the Bill Payment enrollment form. Once you have successfully scheduled a payment on the Bill Payment system, a confirmation number will be provided. If anything unexpected were to happen and there is a discrepancy of any sort, we will research the problem using the confirmation number. If you encounter any problems please call CityNET Customer Service at 1-580-355-3580 or toll free 1-866-385-3444. If the date you want the payment to be debited from your account is not a business day, your account will be debited the next business day. By using CityNET Bill Pay option, you agree that, based upon instructions received under your Password, we can charge your designated account(s) by electronic transfer or by debiting and remitting funds on your behalf. We reserve the right to refuse to pay any payee designated by you. If we do so, we will notify you immediately.

Bill Payment Payees and Scheduled Payments.
When adding a payee to your individual payee list a predetermined listing of payees will be displayed in alphabetical order. You may select payees from this list to be added to your individual payee list. The Bill Payment Service will pay these payees electronically. If the payee that you want to add is not located on the listing displayed, then you will add the payee manually by entering the complete name of the payee, the payee-assigned account number, and the payee's remittance address, all exactly as shown on your billing statement or invoice. These payees that you have added manually will be paid by paper check delivered to the designated payee by the US Postal Service. If the payee is to be paid electronically, you understand and agree that the payee may not receive the payment until 3-5 business days after the date the payment is debited from your account. If the payee is to be paid by paper check, you understand and agree that paper checks are mailed to the payee and the payee may not receive the payment until 7 to 10 business days after the date the payment is debited from your account. You understand and agree that we are not responsible for the timely delivery of mail or the improper transmission or handling of payments by a third party such as the failure of the bill payment payee to properly post a payment to your account.

Modifying or Cancellation of a Bill Payment.
To modify or cancel a bill payment that you have scheduled and is pending, you must modify or cancel the payment using the bill payment system following the onscreen instructions before 3:00 p.m. (Central Time) on the date the payment is scheduled for payment and debited from your account.

Bill Payment Stop Payment Requests.
Stop payment of a check is different from the cancellation of a bill payment. Once a bill payment has been debited from your account, you CANNOT cancel or stop a bill payment, which has been paid electronically. You may be able to stop a bill payment paid by paper check by contacting us by telephone before the paper check has cleared. You must contact us by telephone to determine if the paper check has cleared. If the paper check has not cleared, we will immediately process your stop payment request and a fee will be assessed. We will notify you immediately if the paper check has already cleared. To be effective, this type of stop payment request must precisely identify the name of the payee, the payee-assigned account number, the amount and scheduled date of the payment, and the confirmation number from the Bill Payment History Screen. We shall not be responsible for any charges imposed or any other action taken by a payee resulting from a payment that you have not scheduled properly, including any applicable finance charges and late fees. In addition, we will not be liable if any third party through whom any bill payment is made fails to properly transmit the payment to the intended payee. We will also not be liable if there are insufficient funds or credit availability in your designated payment account and/or overdraft protection plan; if a legal order directs us to prohibit withdrawals from the payment account; if the payment account is closed or frozen; or if any part of the electronic funds transfer system is not working properly. We will not be liable for indirect, special, or consequential damages arising out of the use of Bill Pay. CityNET reserves the right to terminate your use of Bill Pay at any time. If, for any reason, you should ever wish to cancel CityNET, you must cancel all future bill payments at the same time that you cancel your service by deleting those payments yourself using CityNET. This will ensure that future payments and transfers made by you will not be duplicated. If you fail to delete all future payments at the time you request cancellation of your CityNET service, we will not be liable for any fees or charges incurred by you as a result of the Bank having to settle or stop such payments (e.g. bad check fees, overdraft fees, non-sufficient funds fees). We will continue to maintain your accounts until you notify us otherwise.

Changes to Charges, Fees or Other Terms.
City National Bank & Trust reserves the right to change the charges, fees or other terms described in this Online Agreement. When changes are made to any fees, charges, or other material terms, we will update the Online Agreement and either send a notice to you at the address shown on our records, or send you an electronic mail message (E-mail). The notice will be posted or sent at least thirty (30) days in advance of the effective date of any additional fees for online transactions, or of any stricter limits on the type, amount or frequency of transactions or any increase in your responsibility for unauthorized transactions, unless an immediate change is necessary to maintain the security of the system. If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with electronic or written notice within thirty (30) days after the change. You may choose to accept or decline changes by continuing or discontinuing the accounts or services to which these changes relate. We also reserve the option, in our business judgment, to waive, reduce or reverse charges or fees in individual situations. Changes to fees applicable to specific accounts are governed by the applicable Depositor Contract and the Deposit Account Information brochure.

Disclosure of Account Information.
You authorize the Bank and each of its affiliates to disclose to third parties, agents, and affiliates, such as independent auditors, consultants or attorneys, information you have provided or that we or our affiliates have obtained about your accounts and the transfers you make to comply with government agency , court orders or requests, to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, where it is necessary for completing transfers, to provide services relating to your account and/ or if you give us your further permission.

Questions or Error Correction on CityNET Online Banking and Bill Pay Transactions.
If we do not complete a transfer to or from your Bank 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 if, through no fault of ours, you do not have enough money in your account to make a transfer or bill payment, if a legal order directs us to prohibit withdrawals from the account, if your account is closed or if it has been frozen, if the transfer or bill payment would cause your balance to go over the credit limit for any credit arrangement set up to cover overdrafts, if you, or anyone you allow, commits any fraud or violates any law or regulation, if any electronic terminal, telecommunication device or any part of the electronic fund transfer system is not working properly, if you have not provided us with complete and correct payment information, including without limitation the name, address, account number and payment amount for the payee on a bill payment, if you have not properly followed the instructions for using CityNET, and/or if circumstances beyond our control (such as fire, flood or improper transmission or handling of payments by a third party) prevent the transfer or bill payment, despite reasonable precautions taken by us. We must hear from you no later than sixty (60) days after we have sent the first paper or online statement on which the problem or error appeared. If you notify us verbally, we may require that you send us your complaint or question in writing within ten (10) business days.

Other General Terms.
Other Agreements - In addition to the Online Agreement, you agree to be bound by and will comply with the requirements of the applicable portions of the Deposit Account Information brochure, the Bank's rules and regulations, the rules and regulations of any funds transfer system to which the Bank belongs, and applicable state and federal laws and regulations. We agree to be bound by them also. Bank's Right to Terminate this Agreement - The Bank reserves the right to terminate the Online Agreement and your access to Online Financial Services through CityNET, in whole or in part, at any time. No Third Party Access - You further agree to not permit any third parties to have access to your account at CityNET. Assignment - The Bank may assign the Online Agreement to its parent corporation or to any now-existing or future direct or indirect subsidiary of its parent corporation. The Bank may also assign or delegate certain rights and responsibilities under this Online Agreement to independent contractors or other third parties.

Protecting Your Account

Preventing Misuse of Your Account.
Your role is extremely important in the prevention of any wrongful use of your account. You must promptly examine your statement upon receipt. If you find that your records and ours disagree, you must immediately call CityNET Customer Service at 1-580-355-3580 or 1-866-385-3444. Protecting Personal Information - In addition to protecting your account information, you should take precautions to protect your personal identification information, such as your driver's license, Social Security Number, etc. This information by itself or together with information on your account may allow unauthorized access to your account(s). It is your responsibility to protect personal information with the same level of care that you protect your account information. Safeguard Your Online Password - The password that is used to gain access to Online Financial Services through CityNET should be kept confidential. For your protection we recommend that you change your online password regularly. We recommend that you memorize this online password and do not write it down. You are responsible for keeping your password, account numbers and other account data confidential. If you believe that your online password may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, notify CityNET Customer Service at once at 1-580-355-3580.