Please read carefully thisInternet Banking Access User Agreement for Nebraska State Bank & Trust Co. The agreement includes disclaimers of liability and other matters of interest to users. By pressing the "I Agree" button, you agree to the terms and conditions of the User Agreement which includes a consent to future amendments of the Agreement. By pressing "I Disagree", you will be returned to the initial log on screen.
If you wish to have a hardcopy of this agreement, either print a copy now, or call NSB&T at 1-308-872-2466.
TABLE OF CONTENTS
WHAT THIS AGREEMENT COVERS
NSB eBank ONLINE BANKING SERVICE
NSB ePay ONLINE BANKING SERVICE
ELECTRONIC FUNDS TRANSFERS
You understand that by using NSB eBank you have agreed to the terms and conditions of this Agreement and that no signature by you is required on this Agreement. You agree to use NSB eBank solely as provided in this Agreement and the applicable online instructions. When any transfer, payment or online service generates items to be charged to your NSB&T Account, you agree that we may debit your Account without requiring your signature on the item and without prior notice to you.
We may, from time to time, introduce new NSB eBank services. When this happens, we will update the Website to include them. By using any NSB eBank service, you agree to be bound by the terms contained in this Agreement at that time.
We may change the NSB eBank services and the terms, including fees, set forth in this Agreement at any time. You will be notified of any such change as required by applicable law, either by mail or by an electronic message. You understand that by using NSB eBank after a change becomes effective, you have agreed to it.
You agree to properly maintain your NSB&T Accounts, to comply with the rules governing your NSB&T Accounts, and to pay any fees associated with the use or maintenance of your NSB&T Accounts. Any issue relating to a NSB&T Account or service with NSB&T or any NSB&T affiliate which you access through NSB eBank shall be governed by the law(s) specified in the agreement for that NSB&T Account or service.
You may access NSB eBank and your NSB&T Accounts through NSB eBank to check balances, transfer funds, view transaction history, and to pay bills. To access your NSB&T Accounts or use NSB eBank you must have a USER CODE and a PASSWORD and the required hardware and software. You are solely responsible for having the required hardware and software and for securing an Internet service provider. Subject to the terms of this Agreement, you will generally be able to access your Accounts at WWW.NESB.NET Internet site seven days a week, 24 hours a day. A transfer requested through NSB eBank before the transfer cutoff time on a business day will generally be posted to your NSB&T Account the same day. All transfers requested after the posted transfer cutoff time on a business day or on a day that is not a business day, will be posted on the next business day. Every day is a business day except Saturdays, Sundays, and banking holidays.
You will be given an ACCESS I.D and a temporary PASSWORD that will give you access to NSB eBank. During your first logon session, you are required to change both your User Code and Password. Going forward, you can change your password online at any time for NSB eBank. Your online password is case sensitive and must be at least 6 to 12 characters, using at least one alpha and one numeric characters. We recommend that you change your password regularly.
We are entitled to act on instructions received under your PASSWORD. For security purposes, we recommend that you memorize the PASSWORD and do not write it down. You are responsible for keeping your PASSWORD and USER CODE confidential. NSB&T will not know your password, so if you forget it a new password will need to be assigned by NSB&T.
You can communicate with us via e-mail at firstname.lastname@example.org . Please remember, however, that we will not immediately receive an electronic message sent by you. If you need to contact us immediately, please call 1-308-872-2466. No action will be taken on any electronic message you send to us until we actually receive your message and have a reasonable opportunity to act on it. You cannot use e-mail to make a bill payment, account balance inquiry or funds transfer. You cannot use e-mail to cancel a transfer, loan payment or bill payment. Never send us your NSB eBank USER CODE or your PASSWORD or other sensitive NSB&T Account information via e-mail.
All of your daily transactions, payments, and funds transfers will appear on NSB eBank and on your Account statement(s). You can download your statement into your Quicken, Quickbooks or Money manager software. You can access transactional information for your current and previous bank statement. You generally have up to 30 days after the last day of your previous statement (or 30 days after your previous statement is prepared) to export the information.
By accessing NSB eBank, you may obtain balance information, review transaction history and transfer funds between your NSB&T Accounts. In some instances, balances and transaction history may only reflect activity conducted through the close of the previous business day.
All your NSB&T Accounts within an individual NSB&T portfolio will be linked by means of the Social Security Number of all individual owners or Authorized Representatives authorized to access those NSB&T Accounts. Linked NSB&T Accounts will appear together in NSB eBank. Each owner and Authorized Representative will be able to access, view and conduct transactions in all of the linked NSB&T Accounts. If you do not have access to all of the accounts you believe you should, please contact us.
Our business days ("Business Days") are Monday through Friday, except bank holidays. Although transfers and bill payments are processed by NSB&T on business days only, you can initiate a transfer or payment through NSB ePay 24 hours a day, seven days a week, except during maintenance periods; however, the transfer or bill pay may not be completed on that day. Bill Payments
NSB ePay allows you to make bill payments through NSB eBank. You can arrange for the payment of your current, future and recurring bills from your NSB&T checking account. Accounts that require two or more signatures or authorizations to withdraw or transfer funds may not be used as NSB ePay Account.
There is no limit to the number of payments that may be authorized. However, only one, one-time payment and one recurring payment may be sent to each payee on the same day. You may pay almost anyone within the United States through NSB ePay providing you input complete and reliable information.
A Payee can be either a Business Payee or a Non-business Payee. A Business Payee, may, for example, be a business, merchant, or other professional who provides goods or services to you. A Non-business Payee is an individual, family member, or friend. The mailing address of any Payee must be in the United States. You are responsible for ensuring that you provide us with a correct address. You may not pay alimony, child support, taxes or other governmental fees or court-directed payments or make payments to anyone outside the United States through NSB ePay. By furnishing us with the names of your payees and their addresses, you authorize us to follow your payment instructions to these Payees that you provide us.
In addition to your Payee names and addresses, we will need the account number for each Business Payee (name, address and account number together are "Payee Information") to properly credit your payments. Please note that your Business Payee may require that payments be sent to a specific address; this mailing address may be different than other addresses that appear on your invoice or billing statement. You may need to contact the Business Payee to obtain their payment mailing address.
IMPORTANT: The "Date Check is to be Issued" is NOT when the payment is due. Be sure to read the instructions on the NSB ePay "Add Payment" web page for handling information.
We will not be obligated to make a payment unless your NSB&T Account has sufficient funds to pay the bill on the Date Check is to be Issued. Funds for ALL bill payments (whether we make these payments electronically or by check) will be withdrawn from your NSB&T Account on the scheduled Date Check is to be Issued.
There will be a delay between the Date Check is to be Issued (the date your payment is sent) and the date the payee receives that payment. Any payments made through NSB ePay require sufficient time for your payee to receive your payment and credit your payment properly. To avoid incurring finance or other charges, you must schedule your payment sufficiently in advance of the due date. When you schedule payments, YOU MUST SCHEDULE RECURRING PAYMENTS AT LEAST FIVE (5) FULL BUSINESS DAYS PRIOR TO THE DATE THE PAYMENT IS DUE AT YOUR PAYEE. INITIAL PAYMENTS TO A PAYEE SHOULD BE ISSUED AT LEAST SEVEN (7) FULL BUSINESS DAYS PRIOR TO THE DUE DATE
Stop or Change Instructions
NSB eBank Accounts Accessible by More
than One Person
NSB eBank enables you to transfer funds to or from your NSB&T Accounts. The Electronic Funds Transfer Act provides you with certain rights and responsibilities with respect to certain of these transfers, called "Electronic Funds Transfers" ("EFT") Your Rights and Responsibilities are fully described in our Electronic Fund Transfers disclosures that have been separately provided to you.
Tell us AT ONCE if you believe your user code and/or password has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two (2) business days, you can lose no more than $50.00 if someone used your user code and password without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your user code and/or password, and we can prove that we could have stopped someone from using your user code and/or password without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (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 will extend the time periods. If you believe that your user code and/or password has been lost or stolen or that someone has transferred money from your account without your permission, call or write us at the telephone number or address set forth below.
Call us IMMEDIATELY if you believe that your USER CODE or your PASSWORD has been lost or stolen, or if you believe someone has transferred or may transfer money from your NSB&T Account without your permission, or if you suspect any fraudulent activity on your NSB&T Account.
Our liability to you is limited to the extent stated in any other Account and/or loan agreements, notices, and disclosures that are separately provide to you from time to time regarding your NSB&T Accounts and/or this Agreement. This section explains the complete extent of our liability to you to only to the extent that it has not been separately disclosed to you by any of these agreements, notices, or disclosures.
NEITHER NEBRASKA STATE BANK & TRUST CO., NOR ANY OF ITS DIRECTORS, EMPLOYEES OR AGENTS MAKES ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND REGARDING THE PERFORMANCE OR QUALITY OF THE NSB eBank SERVICES OR THE RESULTS THAT MAY BE OBTAINED FROM USING THE NSB eBank SERVICES. NSB&T SPECIFICALLY DISCLAIMS ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, WARRANTIES OF MERCHANTABILITY OR WARRANTIES AGAINST INFRINGEMENT.
NEITHER NSB&T, NOR ANY OF ITS DIRECTORS, EMPLOYEES OR AGENTS SHALL BE LIABLE FOR ANY DAMAGES OR LOSSES, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL OR PUNITIVE DAMAGES, RESULTING FROM OR CAUSED BY THE USE, OR ATTEMPTED USE, OF THE NSB eBank SERVICE, OR ITS CONTENT, INCLUDING, WITHOUT LIMITATION, LOSSES RELATED TO: YOUR USE, OR INABILITY TO USE, THE NSB eBank SERVICE; ANY ERRORS, OMISSIONS OR DEFECTS IN ANY CONTENT; ANY INTERRUPTIONS OR DELAYS IN TRANSMISSION NOT TO THE NSB eBank SERVICE; OR COMPUTER VIRUSES RECEIVED BY YOU AS A RESULT OF YOUR USE OF THE NSB eBank SERVICE. IN ANY EVENT, ANY LIABILITY OF NSB&T, ITS EMPLOYEES, AGENTS, CONTENT PROVIDERS AND LICENSORS SHALL NOT EXCEED THOSE AMOUNTS SPECIFICALLY PROVIDED FOR IN THIS AGREEMENT.
Further, we will not be obligated to honor, in whole or in part, any transaction or instruction which:
You agree to indemnify and hold us, our directors, officers, employees and agents harmless from any and all loss, liability, claims, demands, judgments and expenses (including attorney’s fees) arising out of, or in any way connected with, your use or misuse of NSB eBank. This indemnification is provided without regard to whether our claim for indemnification is due to the use of NSB eBank by you, or your authorized representative.
Unless otherwise required by applicable law, NSB&T may terminate this Agreement and/or your access to NSB eBank, in whole or in part, at any time. We may terminate or reinstate your access to NSB eBank, in whole or in part, at our discretion, at any time. If reinstated, the current terms of this Agreement will control. You may request reinstatement of NSB eBank by calling Nebraska State Bank & Trust Co. at 1-308-872-2466.
We may assign our rights and delegate our duties under this Agreement to a company affiliated with us or to any other party. We may also assign or delegate certain of our rights and responsibilities under this Agreement to independent contractors or other third parties.
You agree that we may obtain and review your credit report from a credit bureau. You also agree that we may obtain information regarding your Payee accounts in order to facilitate proper handling and crediting of your payments.
With the exception of those fees mentioned below in connection with NSB ePay, there are currently no monthly or transaction fees for using NSB eBank. The Consumer Account Fee Schedule applies to your Accounts. Other fees may be assessed and billed separately by your online service provider. NSBePay
Bill payments made through ePay have no transaction fees.