Online Banking Disclosures, Terms, and Access Agreement

All you need is access to the Internet using one of the following browsers: Microsoft Internet Explorer 11.0, Microsoft Edge, Google Chrome, Mozilla Firefox, or Safari 7.0 or higher (the latest versions are highly recommended for your greatest security, and older browser support may be discontinued at any time). Browsers must support at least a 128-bit Secure Sockets layer (SSL) encryption protocol.

The following information is provided in addition to your Depository Agreement, Electronic Funds Transfer Disclosure Statement, Funds Availability Policy, and your Truth in Savings Disclosures. All of these agreements were received by you when you opened your account and notice is given when they have are 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 future reference. This Agreement shall be governed by and construed in accordance with the laws of the State Oklahoma, without regard to its conflicts of laws provisions. To the extent that the terms of this Agreement conflict with applicable state or federal law, such state or federal law shall replace such conflicting terms only to the extent required by law
Privacy and Confidentiality The Bank of The West is strongly committed to protecting your security and confidentiality. Our Privacy Policy is located at https://www.thebankofthewest/Privacy-Policy.aspx. 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.

Virus Protection

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.
New Services 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 applicable agreements 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 agreements.

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.

Availability

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 statement cycle or a savings account per calendar month (not counting transactions made from a savings account in-person at one of our branch locations). Transfers made by telephone, personal computer via online banking, 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 express transfer after it has been entered into the Online Banking System and the information has been transmitted to us. You may cancel a scheduled transfer up to 3 days before the transfer date. 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 transaction.

eStatement Electronic Statements

You may receive your periodic account statements as electronic statements online instead of receiving paper statements through the mail. If you elect to receive eStatements, we will discontinue your paper statements and we will email you notification when your statement is available. There is no cost to sign up for or receive eStatements, and you can cancel at any time simply by writing to us and asking to resume paper statements on one or all of your accounts. To sign up for eStatements, it's as easy as following the directions provided to you when you log on to online banking. If you wish to continue to receive paper statements, you only need to click "decline" when prompted by the website. You can view up to the past 12 months of account statements from within online banking by clicking the "Documents" tab while viewing any account. For more information regarding eStatements, please contact your local branch office of The Bank of The West.

Mobile Banking and Mobile Capture

The Bank of The West now offers Mobile Banking and Mobile Capture Services. You must sign up for and maintain an online banking account in order to sign up for an use mobile banking. See the Mobile Banking Agreement for more information.

Card Valet

Card Valet gives you the ability to have more control over where your The Bank of The West Debit Card is used, and to receive alerts when a transaction is authorized. You even have the ability to “turn off” the card completely when you are not using it. Please see the Card Valet agreement for more information.

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.

Fees

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, please contact The Bank of The West in writing at PO 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 60 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.

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