To apply for Internet Banking - read through
this disclosure and click the "I Agree" link at the bottom to continue
to the application.
Internet Banking Agreement And Disclosure Statement
This agreement states the terms and conditions that apply when you
use Bank of Wausau "NetTeller" service. These terms and
conditions are in addition to those that apply to any accounts you
have with us or any other services you obtain from us. You must also
follow all of our instructions and procedures applicable to the service
covered by this agreement.
"You" and "Your" mean each person who establishes
an Internet Banking Customer Account with us or who uses or is authorized
to use an Internet Banking identification number and password or
other means of access we establish or approve. The term "Internet
Banking" means our service that allows transactions over the
Internet by use of a personal computer and modem and/or other means
we authorize or allow.
Identification Number and Password
To access our Internet Banking service, you must use the identification
number and/or other means of access we establish or provide for your
Internet Banking Customer Account, together with a password. Anyone
to whom you give your Internet Banking identification number and
password or other means of access will have full access to your accounts
even if you attempt to limit that person's authority.
You may not designate any account that requires more than one signature
for withdrawals. You must be the owner of this account.
You, or someone you have authorized by giving them your Internet
Banking identification number and password or other means of access
(even if that person exceeds your authority), can instruct us to
perform the following transactions.
- Make transfers between your qualifying accounts to the extent
- Obtain information that we make available about your
qualifying accounts, and
- Obtain other service or perform other transactions
that we authorize.
Limits on Internet Banking Transactions
You must have enough available money or credit in any account from
which you instruct us to make a payment or transfer. If any of your
qualifying accounts are money market savings accounts, certain types
of withdrawals from those accounts, including payments and transfers,
are limited to a total of no more than 6 in any specified period.
The specified period for money market accounts is the monthly statement
period. The kinds of withdrawals covered by this limitation are those
made by means of preauthorized or automatic transfer and payments
or telephone agreement. A total of only 3 of these kinds of withdrawals
may be by check, draft, debit card, or similar order payable to third
parties. You also agree to the "Terms and Conditions of Your
Deposit Account" that you received when you opened your deposit
account. You can request another one of these at the time you fill
our your "NetTeller" application.
Our Liability for Failure
to Complete Payments or Transfers
If we do not complete a payment or transfer on time or in the correct
amount according to our agreement with you, we will be liable for
your losses or damages. However, there are exceptions. We will NOT
be liable, for instance:
- If, through no fault of ours, you do not have enough available
money in the account from which a payment or transfer is to be
made, or if the account has been closed or is not in good standing,
or if we reverse a payment or transfer because of insufficient
- If any payment or transfer would go over the credit limit
of any account.
- If your equipment or ours was not working properly
and the breakdown should have been apparent to you when you attempted
to conduct the transaction.
- If you have not given us complete, correct
or current account numbers or other identifying information so
that we can properly credit your account or otherwise complete
- If you do not properly follow our instructions
or if you provide us with wrong or inaccurate information or fail
to correct or tell us about any inaccuracy of which you are aware.
you do not instruct us soon enough for your payment or transfer
to be received and credited by the time it's due.
- If the money in
the account from which a payment or transfer is to be made is subject
to legal process or other claim restricts the transaction.
- If circumstances
or persons beyond our control prevent, delay, intercept or alter
the transaction, despite reasonable precautions that we have taken.
Our Internet Banking service is generally available 24 hours a day,
7 days a week. However, we only process transactions and update information
on business days. Our business days are Monday through Friday. Transfers
made after 6:00 p.m. will be processed on the next business day. Holidays
are not included.
Your Internet Banking payments and transfers will be indicated on
the monthly or quarterly statements we provide or make accessible
to you for the Internet Funding Accounts. You agree to notify us
promptly if you change your address or if you believe there are any
errors or unauthorized transactions on any statement, or statement
Each of you agrees for yourself to the terms of this account
schedule of charges as accrued directly from the account balance.
You are liable for all transactions that you or any of you make or
authorize, even if the person you authorize exceeds your authority.
If you have given someone your Internet Banking number and password
or other means of access and want to terminate that person's authority
you must change your identification and password or other means of
access or take additional steps to prevent further access by such
Unauthorized Transactions or Loss or Theft of your Internet
Banking Identification Number or Password
If you believe your Internet Banking identification number or password
or other means of access have been lost or stolen or that someone
has used them without your authorization, call us immediately at
(715) 845-8680 during normal business hours.
After hours you may
contact us via our
secured online feedback form, or write to us at P O Box 1406 Wausau,
Quickly telephoning us is the best way of reducing
your possible losses. And we do not recommend
using email because it is not secure.
However, if you do use an email, please
do not include any of your account or social security numbers. Your name, address, and a brief message as to what the
problem might be is all we will need.
I Agree to the
Disclosure and want to apply for Internet Banking