National Bank of Nassau County Internet Banking Disclosure
Please read the following information before continuing.
you for your interest in First National Bank of Nassau County's
Internet Banking product. Our primary goal is to provide quality
products and services to accommodate our customers. Please review
the following disclosure information and click "I Accept" to begin
the process of Banking Online.
First National Bank of Nassau County has expanded its banking services
to utilize the convenience and efficiency of Internet technology.
Customer understands that the terms and conditions set forth below
are in addition to those that apply to any other accounts that Customer
has with the Bank or any other service customer thereafter obtains
from the Bank. Customer further understands that any additional
instructions and procedures applicable to the services covered by
this Agreement provided by the Bank must also be followed.
Now, therefore, in consideration of the mutual promises and covenants
contained herein, and for the other good and valuable consideration,
the receipt and sufficiency of which are hereby acknowledged, First
National Bank of Nassau County ("FNBNC") and Customer hereby agree
1. Initial access: To activate your Internet Banking service,
you must have a least one active account with FNBNC. To
access FNBNC Internet Banking, customers will initially use
a temporary Log on ID and password number as established by the
Bank. In an effort to enhance security, customers
will also be asked to select an image and create a pass phrase,
as well as provide answers to three challenge questions. This
added security featue identifies you based on the specific computer
used. If the customer logs on using a different computer,
several or all three challenge questions will be asked to verify
that FNBNC is talking to its customer, then customer verifies
the image which insures that customer is talking
with FNBNC. Customer will enter a new Log
on ID and password during the first connection online with banking
2. Using your Customer log on ID and password, you may use
an Internet connection to:
· View balance inquiries
· View account transaction information.
· Transfer of funds between FNBNC accounts (subject to government
· Establish automatic transfers between FNBNC accounts
· Communicate with FNBNC via Email.
3. Hours of Accessibility: You may access your account information
seven days per week, 24 hours per day. Necessary system maintenance
may be scheduled for hours during which system traffic is normally
at a minimum. FNBNC will make every effort to notify you via Email
of expected down time. The balance and account history will show
the current balance of the account including any transactions received
by FNBNC prior to the inquiry. In-progress returns due to non-sufficient
funds or stop payments may not be reflected. Each customer banking
session will be limited to 20 minutes for security purposes.
4. Customer Liability: Customer shall immediately notify
FNBNC in person or by telephone at (904) 321-0400 if Customer believes
their ID, password, or other means of access has been lost or stolen.
You must also notify FNBNC if some one has transferred or may transfer
money from your bank account without authorization, or if you suspect
The bank must receive written notice within two business
days after Customer learns of the event. In this case, Customer
shall be responsible for no more than $50.00 in losses resulting
from unauthorized access. If Customer does not notify FNBNC within
2 business days after Customer learns of the loss or theft of Customer's
password, ID, or other means of access, Customer shall be responsible
for the full amount of losses resulting from unauthorized access
until the bank received notification by the Customer. If Customer's
statement shows transfers covered by this agreement that Customer
did not make or authorize, Customer must notify Bank at once. If
Customer does not notify FNBNC within 60 days after the statement
was mailed to them, FNBNC shall have no liability to Customer for
such payments or transfers. If extenuating circumstances such as
a long trip or hospital stay may be taken into account.
5. In Case of Errors or Questions: Customers may call FNBNC at
(904) 321-0400, or write to
1891 South 14th Street Fernandina Beach, FL 32034. If
you notify us verbally, we will require that you send us the problem
in writing within 10 days. We must hear form Customer no
later than 60 days after we send the first statement on which the
problem or error appeared. Please include the following information:
name and account number
and Dollar amount of the transaction in question
the error or the transaction and explain as clearly as possible
the error or the need for further information.
will communicate the results of our investigation within 10 business
days after we hear from Customer and promptly correct any error.
If we need more time, however, we may take up to 45 days to investigate
the complaint or question. If the additional time is needed we will
credit your account within 10 business days for the amount Customer
thinks is in error, so that Customer will have the use of the money
during the time it takes us to complete our investigation. If Customer
tells us of the suspected error orally and does not put the complaint
or question in writing, and we do not receive it within 10 business
days, we may not credit Customer's account. If FNBNC determined
that there was no error, we will send Customer a written explanation
within three business days after we finish our investigation. Customer
may ask for copies of the documents that we used in our investigation.
If a notice of error involves a transaction that was not initiated
in any state, territory, or possession of the United States, the
initial investigation period is 20 days rather than 10, and the
extended investigation periods is 90 rather than 45.
6. Internet Transfer of funds:
A. Customer must maintain sufficient funds
accounts to cover any request for transfers. If FNBNC completes
a payment transfer that Customer makes or authorizes and FNBNC subsequently
learns that Customer has insufficient funds for the transaction,
Customer agrees that FNBNC may receive the transaction or offset
the shortage with funds from any other account Customer has with
FNBNC. In any case, customer is fully obligated to provide sufficient
funds for any payments or transfers Customer makes or authorizes.
B. Transfers are final at the time FNBNC receives
Customers instructions. FNBNC will make transferred funds immediately
available to the affected accounts.
C. Each transfer initiated on a non-business day will be considered
initiated on the following business day.
7. Liability for failure to complete payments or transfers: If
FNBNC does not complete a transfer on time in the correct amount
to Agreement with Customer, FNBNC will be liable for: · The amount
of that payment or transfer. · Consequential or punitive damages
or other losses whatsoever incurred by Customer, if an only if,
FNBNC willfully or intentionally fails to complete transfer, or
fails to complete a transfer due to gross negligence on the part
of FNBNC or any of its agents or employees.
8. Canceling the Service: To cancel FNBNC Internet Banking,
customer must contact FNBNC in writing to notify us of Customer's
decision to cancel.
FNBNC reserves the right to cancel or suspend Customer's service
at any time without notice due to non-sufficient funds or improper
usage of the service. After cancellation, service may be reinstated
at the discretion of the bank provided that funds are available
to cover the cost of any fees or pending transfers.
FNBNC may cancel your service if your accounts have not been accessed
for a period of three months
9. Limitations on Bank Liability: FNBNC will not be responsible
for the following incidents or errors:
A. Access: FNBNC will not be responsible for failure to provide
access or for interruptions in access due to a system failure or
due to other unforeseen acts or circumstances.
B. Customer's Computer Equipment or Software: We will not
be responsible for any errors or failures from any malfunction of
your computer or any computer virus or other problems related to
your computer equipment used with our services. We are not responsible
for any error, damages or other losses you may suffer due to the
malfunction or misapplication of any system you use, including your
browser (Microsoft Explorer®, Netscape Navigator®, or otherwise),
your Internet service provider (ISP), your personal financial management
or other software, (such as Quicken®, or Microsoft Money®), or any
equipment you may use (including your telecommunications facilities,
computer hardware and modem) to access or communicate with.
10. Other Provisions:
A. Electronic Notice: With your consent, we may send notices
to you by electronic mail (e-mail). You may use e-mail to contact
us about inquiries, maintenance, and/or some problem resolution
issues. E-mail may not be a secure method of communication. We therefore
recommend that you do not send confidential personal or financial
information by e-mail. There may be times when you need to speak
with someone immediately, especially to report a lost or stolen
PIN, or to stop a payment. In these cases, do not use e-mail.
Instead, call our bank office at (904) 321-0400. Our office lobby
is open Monday through Thursday from 9:00 AM to 4:30PM, Friday from
9:00 AM to 5:30 PM, and Saturday from 9:00 AM to 12:00PM.
B. Ownership of Website: The content, information and offerings
on our website are owned by First National Bank of Nassau County,
and the unauthorized use, reproduction, linking or distribution
of any portions are strictly prohibited.
C. Geographic Restrictions: The services available on our
website are solely offered to citizens and residents of the United
States. Access may not be available outside of the United States.
D. Laws: Regardless of where Customer lives or works or where
Customer is accessing FNBNC Internet Banking services, this Agreement
is subject to the laws of the State of Florida and the Federal Law
of the United States of America, with, in either event, consideration
of conflicts of law principles. If any of the terms of the agreement
cannot be legally enforced, they will be considered changed to the
extent necessary to comply with applicable laws.
E. Excusable Delay: No party to this Agreement shall be liable
to the other for loss, costs, or damages arising out of or resulting
from any failure to perform in accordance with the terms of this
Agreement where such failure shall be beyond the reasonable control
of such party. Failure beyond reasonable control shall be deemed
to mean, but not limited to, acts of God, strikes, lockout, or other
industrial disturbances, wars, whether declared or undeclared, blockades,
insurrections, riots, governmental actions, explosions, fire, flood,
or other causes not within the reasonable control of either party.
F. Amendments: The terms and conditions governing FNBNC Internet
Banking, including cost and fees, may be amended by FNBNC at anytime
upon 30 days advance notice. Customer's continued use of this service
is acceptance of any amendment(s) of this Agreement, including any
instructions on the use of this service will be sent to Customer
at FNBNC's choice, via either E-mail or standard mail, and will
be considered delivered at the time sent by the FNBNC.
©2005 First National Bank of Nassau County, Inc. All rights