Welcome to The Bank of The West’s Online Banking!
We've made signing up easy. To get the process started, please read the
Online Banking Agreement below and continue by clicking on the "Accept"
The Bank of The West
Online Banking Disclosures, Terms and Access Agreement
Welcome to The Bank of The West’s Online Banking!
Now you can bank wherever there is an Internet connection. Whether
you are at home, the office, a hotel room or wherever you travel, you
can access your accounts with The Bank of The West.
All you need is access to the Internet using either Internet Explorer or
Netscape Navigator (the latest versions are highly recommended for your
greatest security) and a 128-bit Secure Sockets layer (SSL) encryption
The following information is provided in addition to your Depository
Agreement, Electronic Funds Transfer Disclosure Statement and your Truth
in Savings Disclosures. All of these agreements were received by you
when you opened your account and by mail when they have been revised.
You agree these remain in effect and are binding on all online
transactions. You should print and keep a copy of this agreement for
Privacy and Confidentiality
The Bank of The West is strongly committed to protecting your security
and confidentiality. To ensure the privacy of your account information
while you are online, you are only able to access your account with high
security browsers. You must also provide both your user ID and your
password. If no action is taken within 15 minutes, you will be
automatically logged off Online Banking.
You agree that The Bank of The West is not responsible for any
electronic virus that you may encounter using Online Banking. Routinely
scan your PC and diskettes using any reliable virus protection product
to detect and remove any viruses found.
From time to time, The Bank of The West plans to expand the services we
offer our Online Banking customers. When such services become available,
we will update this agreement and notify you of the new service. By
using Online Banking after the new services are available, you agree to
be bound by the terms contained in the revised agreement.
Authorization To Charge Accounts
You are responsible for all transfers you or your authorized
representative make using Online Banking. You authorize us to debit your
designated accounts(s) for any transactions completed with Online
Banking. You agree that we may comply with transfer instructions entered
by any one person using an authorized Access Code and Password,
regardless of the restrictions placed at the account level, i.e., two
signatures required or minor no withdrawal, etc.
If you permit another person to use Online Banking or give them your
Access Code and Password, you are responsible for transfers or advances
made from the deposit and loan accounts linked to your online
applications even if that person exceeds your authorization.
Funds must be available in the account from which you wish to transfer
funds on the date you enter the transaction.
Insufficient Funds to Complete Transfer
If your account does not have sufficient funds to complete a transfer,
the transfer will not be completed.
Restrictions on Transfers from Savings and Money Market Accounts
Under Federal Reserve Board Regulation D, you may make an unlimited
number of deposits or transfers into a savings or money market account;
however, you may not make more than six transfers or withdrawals out of
a money market account per calendar month or a savings account per
quarter (not counting transactions made at ATM's, in-person transactions
or automatic transfers). Transfers made by telephone, personal computer
or funds automatically transferred from a savings or money market
account to another deposit account for overdraft protection are counted
toward the six total permitted transfers or withdrawals. If you exceed
the restrictions, after you have been given proper notice, we will have
to change the savings or money market account to a NOW account, where
possible or a non interest bearing account.
Correcting or Canceling Your Transfer
You cannot cancel your transfer after it has been entered into the
Online Banking System and the information has been transmitted to us.
You can correct information concerning a transfer before you send the
information, and you can use Online Banking to reverse a transaction
after it has been made.
Documentation and Verification of Transfers
The date and amount of transfers made through Online Banking will be
shown on your printed statements for the accounts involved in the
Telephone Number for Notification of Unauthorized Use
If you believe your Access Code and/or password have become known by an
unauthorized person or that someone has transferred money without your
permission, call The Bank of The West at: (580) 661-3541, during regular
business hours, as soon as possible.
The Bank of The West does not currently charge a fee for setting up,
maintaining or using our Online Banking service. It is provided to you
free of charge and we will gladly answer your questions or concerns.
Termination or Discontinuation
In the event you wish to discontinue using The Bank of The West’s Online
Banking, contact The Bank of The West in writing at P O Box 160, Thomas,
OK. 73669. We may at any time, for any reason, terminate your Online
Banking service. If you do not use your Online Banking access for 90
days, your access will be discontinued until you contact us.
By clicking on the "Accept" button, I agree that I have read and
completely understand the above Online Banking Disclosures.