Welcome to Iowa State
Bank's Internet Banking!
Now you can have a branch wherever there is an Internet connection. Whether
you are at home, the office, a hotel room or wherever you travel, you can
visit your Iowa State Bank (ISB) accounts.
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 protocol. If your browser is
not using the latest 128-bit encryption, you will be prompted to upgrade before
accessing your accounts.
The following services are currently available through ISB's Internet
View any of your ISB Checking, Savings, Money Market Accounts, Certificates
of Deposits, IRAs, Safe Deposit Box, ATM Card, ShazamChek
Card and Loans.
View specific transactions for previous day, current day, previous statement
or current statement.
Transfer funds among certain of your ISB accounts. Make a one-time transfer
or set up a scheduled transfer.
Make loan payments and draws among certain of your ISB loans. Make a one-time
loan payment or set up a scheduled loan payment.
View images of checks that have been paid on your account.
Online bill pay is a
convenient way for you to pay all of your bills from on secure website.
Electronic Statements and Notices
No more paper
statements! Electronic statements (e-statements) can be accessed through our
web site anytime; from anywhere you have internet access.
You may contact a Customer Support Representative by phone at 515-288-0111 or
toll free at 888-824-0111 with any questions regarding your accounts.
Iowa State Bank 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 provide your access ID and your password. If no action is
taken within 15 minutes, you will be automatically logged off Internet
You are also assured
that we will guard your information from third parties except for the
- When it is necessary to
complete a transfer as requested by you.
- In order to verify the
existence and condition of your account for a third party, such as a
credit bureau or merchant when you have authorized the disbursement of
- In order to comply with laws,
government agency rules or orders, court orders, subpoenas or other
- In order to give information
to any government agency or official having legal authority to request
- If you give us written
You agree that Iowa State Bank is not responsible for any electronic virus
that you may encounter using Internet Banking. Routinely scan your PC using
any reliable virus protection product to detect and remove any viruses found.
Customers can send us inquiries concerning their accounts as well as other
issues via our secure Contact Us Form located at www.iowastatebanks.com. You should not use our feedback form or
regular e-mail to initiate any banking transactions. Electronic mail will be
used to send you notices, disclosures and other information required under
the Electronic Funds Transfer Act and Regulation E of the Federal Reserve
Board of Governors as well as informing you when your electronic statements
or notices are ready. We may send this information to you by posting it on
our Web site or by e-mail. We may also send it to you by regular postal mail
in writing at the address shown in our records. If you have given us an
e-mail address or postal address, we are entitled to rely on that address and
assume that messages sent to that address are received by you, until you give
us notice in writing or by e-mail that the address is no longer valid. You
agree that information we post to our website or send by e-mail or regular
postal mail will be deemed delivered at the time it is posted or sent.
Information you send to us is deemed delivered when we receive and review it.
If we send you a notice, disclosure or other message electronically and you wish
to print it and are unable to do so, contact us at 515-288-0111 or toll free
at 888-824-0111 or send us an e-mail and we will provide you with a paper
From time to time, Iowa State Bank plans to expand the services we offer our
Internet Banking customers. When such services become available, we will
update this agreement and notify you of the new service. By using Internet
Banking after the new services are available, you agree to be bound by the
terms contained in the revised agreement.
You are responsible for all transfers you or your authorized representative
make using Internet Banking. You authorize us to debit your designated
account(s) for any transactions completed with Internet 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.
If you permit another
person to use Internet Banking or give them your Access Code and Password,
you are responsible for transfers or advances that person makes from the
deposit and loan accounts linked to your online application 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
If your account does not have sufficient funds to complete a transfer, the
transfer will not be completed.
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 make no more than six transfers or withdrawals out of such an account per
calendar month (not counting transactions made at ATMs, 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 monthly transfers or withdrawals. If you
exceed the restrictions more than three times during a 12-month period, we
will close the savings or money market account and transfer the funds to a
Canceling Your Transfer
You cannot cancel your transfer after it has been entered into the Internet
Banking System and the information transmitted to us. You can correct
information about a transfer before you send us the information, and you can
use Internet Banking to reverse a transaction after it has been entered.
Verification of Transfers
The date and amount of transfers made through Internet Banking will be shown
on the Internet Banking screen and will also be shown on your printed
statements for the accounts from which and to which the transfer is made.
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 Iowa State Bank's Customer Support Department immediately
at: 515-288-0111 or 888-824-0111.
Your Liability for
You are responsible for keeping your password and account information secret.
If you allow others to access your accounts, you are responsible for any
transactions they authorize from your accounts.
Tell us immediately if
you believe your Access I.D. or Password has become known to an unauthorized
person or if an unauthorized transaction has occurred involving your account.
Telephoning is the best way to keep your possible losses to a minimum.
If you tell us within
two business days after you learn that your Access Code and Password have
become known by an unauthorized person, you can lose no more than $50.00 if
an unauthorized person used your personal codes without your permission to
process a transaction. If you do NOT tell us within two business days, and we
can prove that we could have stopped someone from using your Access Code or
Password without your permission if you had told us, you could be liable for
as much as $500.00.
Also, if your
statement shows electronic funds transfers that you did not make or
authorize, 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 may extend the time period.
Iowa State Bank's
Liability for Failure to Make Transfers
If we do not make a transfer on time, or in the correct amount according to
your instructions, we will be liable for your
proximately caused damages. However, there are some exceptions. We will not
be liable, for instance, if:
- Through no fault of ours,
your account does not contain enough money to make the transfer.
- The transfer would exceed the
balance in the deposit account you use for overdraft protection, or the
credit limit on your overdraft checking line of credit, or the line has
- Your computer, the software,
phone lines, or the bank's computer systems were not working properly or
were temporarily unavailable, and this problem should have been apparent
to you when you attempted the transfer.
- Circumstances beyond our
control prevented the transfer, despite reasonable precautions that we
have taken. Such circumstances include telecommunication outages, postal
strikes, fires, floods and other natural disasters.
- We have placed a
"hold" on funds in your account or remitted funds to another
party with your knowledge, pursuant to reasonable business procedures,
or in compliance with legal process such as a garnishment, tax levy,
court order, etc.
- We have received incomplete
or inaccurate information from you or a third party involving the
account or transfer.
- We have a reasonable basis
for believing that unauthorized use of your User Code, Password, or
Account has occurred or may be occurring; or
- You or we have terminated
your Online Banking Agreement or closed the account.
In case of errors or questions about your electronic transfer transactions,
call the Customer Support Department at Iowa State Bank immediately at
1-515-288-0111, toll free at 1-888-824-0111 or write to:
Iowa State Bank
Attention: Customer Support Department
627 East Locust
Des Moines, IA 50309
In case of errors or
questions about your electronic loan transactions, call the Loan
Administration Department at Iowa State Bank immediately at 1-515-288-0111,
toll free at 1-888-824-0111 or write to:
Iowa State Bank
Attention: Loan Administration
627 East Locust
Des Moines, IA 50309
If you think your
statement is wrong or if you need more information about an electronic
transaction listed on the statement, contact us as soon as possible. We must
hear from you no later than 60 days after we sent the FIRST statement on
which the problem or error appeared, and you must:
(a) Tell us your name
and account number;
(b) Describe the electronic transaction you are unsure about, and explain why
you believe an error has occurred or why you need more information;
(c) Tell us the dollar amount of the suspected error.
If you tell us
verbally, we may require that you send your complaint or question in writing
within ten business days. We may require you to provide your complaint in the
form of an affidavit.
We will tell you the
results of our investigation within ten business days and will correct any
error promptly. If we need more time, however, we may take up to 45 days to
investigate your complaint or question. If we decide to do this, we will provisionally
credit your account within ten business days for the amount you think is in
error, so that you will have the use of your money during the time it takes
us to complete our investigation. If we ask you to put your complaint or
question in writing and we do not receive it within ten days, we may not
credit your account.
If you are a new customer, for electronic funds transfer occurring during the
first 30 days after the first deposit is made to your account, the applicable
time periods for action by us are up to 20 business days (instead of ten) and
90 calendar days (instead of 45).
If we determine that there is no error, we will send you an explanation
within three business days after we finish our investigation. You may ask for
copies of the documents that we used in our investigation.
Iowa State Bank does not charge a fee for setting up, maintaining or using
our Internet Banking service. It is provided to you free of charge and we
will gladly answer your questions or concerns.
In the event you wish to discontinue using Iowa State Bank's Internet
Banking, contact ISB in writing or send us an electronic mail message. We may
at any time terminate your Internet Banking service. We will mail notice of
termination to you at your address as shown on Iowa State Bank's records.