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WARNING: Sometimes unscrupulous people attempt to get personal or private financial information from our customers by claiming to be Citizens Bank or even a government agency. We urge you to be extremely careful. Please know that this Bank will NOT ask for any personal or private information over the telephone or internet. We will never ask you to send personal or confidential information via email.


This Customer Agreement (Agreement) sets forth the terms and conditions governing the provision of Internet Banking services to you or anyone authorized by you (collectively, you, your, or yours) and describes your and our rights, responsibilities and obligations. By using the Internet Banking service, you agree to the terms and conditions of this Agreement, which are in addition to those that apply to any accounts you have with Citizens Bank and Trust.

Definitions :

"Account" Means a checking account that you have with us;

"Account Agreement" means the agreement between you and us that governs the use of your Account, including the deposit account agreement, any funds availability agreement, electronic funds transfer agreement or disclosure, line of credit agreement, and our schedule of fees and charges.

"Bill Payment Account" means the Account you have authorized us to debit for payments made to Merchant(s) in connection with the Internet Banking Service.

"Bill Payment Service" means our service that allows you to pay or transfer funds to designated Merchants based upon your instructions to us via a personal computer.

"Business Day" means Monday through Friday, during regular business hours (see locations)

"Electronic" means electrical, digital, magnetic, wireless, optical or electromagnetic technology that entails similar capabilities.

"Internet Banking Service" means collectively Online Banking and Bill Payment services.

"Merchant" means any individual, financial institution, educational institution, company, merchant, or other entity you and Citizens Bank and Trust accepts as a payee using Bill Payment Services.

"Transfer" means any electronic banking transaction, including a deposit, withdrawal or bill payment request submitted electronically.

Setup and Use of Internet Banking Services


In order to activate your Internet Banking Services, you must have at least one Account with us, and you must have Internet Access established.


Internet Banking Services are generally accessible 24 hours a day, seven days a week, except that they may be inaccessible for a reasonable period on a daily basis for system maintenance. We are not liable for failure to provide access due to system failure or other unforeseen acts.. We may modify, suspend, or terminate access to the Internet Banking Services at any time and for any reason without notice.

Equipment Requirements

To use the Internet Banking Services, you need a computer with a modem and a current version web browser (MS Internet  Explorer 5.0 or higher).You are responsible for the setup and maintenance of your computer and modem.  We are not responsible for any errors or failures from any malfunction of your computer or any virus or other problems related to the use of the Internet Banking Services.

Limitation of Liability

Warranties of Fitness and Merchantability


 Computer-related Warranties

Neither we nor any information provider is liable for any computer virus or software-related problems which may be attributable to the services provided in connection with the Internet Banking Services.

Bill Payment Service

When you schedule a bill payment using the Bill Payment Service, you authorize us to withdraw the necessary funds from your Bill Payment Account with us.  We may refuse to act on your instruction if sufficient funds are not available in your Bill Payment account on the date of payment.  You are responsible for any non-sufficient funds (“NSF”)  and overdraft charges that may apply.  To ensure that the payments reach the vendor on time, set payments up several days before due.  The day selected online is the day your account is charged.  If you do not have sufficient funds in your account, the online transfer will not be processed.

Citizens Bank and Trust will process variable payments on the business day (generally Monday through Friday, except holidays) you designate the bill is to be processed, provided the payment request is received prior to the cut-off time set by Citizens Bank and Trust which is currently 7 p.m. MST.  Variable bill request received after the business day cut-off time or at any time on a non-business day will be processed on the next business day.  Citizens Bank and Trust reserves its right to change the cut-off time by giving you notice if it changes.  Recurring payment requests will be processed on the dates you have designated, unless such date falls on a non-business day resulting in your payment being processed the next business day.


Bill payments are processed by Electronic Fund Transfers (EFT).  Please see the Electronic Fund Transfer Disclosure Statement on Citizens Bank and Trust website under the online banking tab at the bottom of the first page.

Any Bill Payment can be changed or canceled, provided you change your payment prior to the  7:00 p.m. MST cut-off time on the date scheduled for payment.

Please note that if you do not schedule or process a payment in your Citizens Bank and Trust Bill Pay account for any 180 day period, Citizens Bank and Trust reserves the right to disconnect your service.  Please note that your online bill payment information will be lost if you are disconnected.

Citizens Bank and Trust reserves the right to charge you for research time involving bill payments no longer available in your screen history. You will be informed of any such charges before they are incurred.

You should note that you might incur other charges depending on how you access the Internet Banking Service.  These include charges for normal checking account fees and service charges.  These fees are described in your Account Agreement and related documents

Parties Responsibilities

Responsibilities of the Consumer

 Authorized use of the Service by Other Persons 

You are responsible for keeping your Bill Pay account data confidential.  Any person having access to your Online Banking Service and Bill Payment Access ID and Password at a computer you have registered will be able to access the Internet Banking Services and perform all transactions, including reviewing account information and making transfers to other accounts.  

Loss or Theft of Access ID and Password

If you make your Access ID and Password readily available for discovery and you do not tell us within 2 business days after you learn of the loss or theft of your Password and/or Access ID, and we can prove we could have stopped someone from using your Bill Pay Account without your permission if you had told us, you could lose as much as $500.00.  Your ID and Password can be used to expend funds from your account so they must be safeguarded. We are entitled to act on transaction instructions received using your Access ID and Password, and you agree that the use of your Password and Access ID will have the same effect as your signature authorizing the transaction.

If you authorized other persons to use your Access ID and Password in any manner, your authorization will be considered unlimited in amount and manner until you have notified us in writing that you have revoked the authorization and changed your Access ID and Password, and you are responsible for any transactions made by such persons until you notify us that transfers by that person are no longer authorized and we have a reasonable opportunity to act upon the change of your Access ID and Password.

If you have a business account, you are liable for all transactions that occur on the account. The owner of the business account authorizes all transactions made by any other persons. The owner of the business account is liable for any parties designated (by being given a User ID/and Password to conduct business on the account(s).

For multiple party accounts, each person on a multiple party account will be liable for all transactions made by any other signer(s) on the account(s). Each owner(s) on multiple party accounts(s) are liable for the actions of the other owner(s) on the account(s).

The limitations of liability set forth in this Agreement are subject to, and limited by any state or federal law to the contrary.

Reporting Unauthorized Transactions

You should notify us immediately if you believe your access ID and/or password has been compromised or someone has transferred or may transfer money from your account without your permission or if you suspect any fraudulent activity on your account.  To notify us, call Citizens Bank and Trust at  (406) 932-5311 in Big Timber, (406) 568-2405 in Ryegate, or (406) 632-4373 in Harlowton, send a message from our website service (PLEASE DO NOT INCLUDE CONFIDENTIAL INFORMATION SUCH AS YOUR ACCOUNT NUMBERS, PASSWORD OR ACCESS ID IN YOUR EMAIL) or write:

Citizens Bank and Trust

PO Box 190
Ryegate Montana  59074

PO Box 847
Big Timber, Montana  59011

PO Box 247
Harlowton, MT  59036

 as soon as possible.  At any time you may choose to change your Access ID and Password.

 Our responsibilities for Processing Transactions.

If we do not complete a transfer to or from your Account (or cancel a transfer properly requested) on time or in the correct amount according to our agreement with you, we may be liable for consequential losses or damages.

Limitations of Our Responsibility for Processing Transactions.

There are some exceptions to our liability for processing transactions on your Accounts. We will not be liable, for instance:

        If, through no fault of ours, you do not have enough money in your Account to make the transfer;

        If the funds in your account were attached or the transfer cannot be made because of legal restrictions affecting your account;

        If the systems were not working properly and you knew about the breakdown when you started the transfer;

        If circumstances beyond our control (such as interruption of telephone service or telecommunication facilities, or natural disaster such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken;

        If you have not provided us with complete and correct payment information, including without limitation the name, address, account number and payment amount for the Merchant on a bill payment;

        If you have not properly followed the instructions for using the Internet Banking Services;

        If your operating system or software was not properly installed or functioning properly; or;

        There may be other exceptions stated in our agreement with you.

Our sole responsibility for an error in a transfer will be to correct the error, but in no case will we be liable for any indirect, special, incidental, or consequential damages. In states, which do not allow the exclusion or limitation of liability for indirect, special incidental, or consequential damages, our liability is limited to the extent permitted by applicable law.

Changes in Terms and other Amendments

We may amend this agreement (including changes in fees and charges) by notice mailed to you at the last address shown for the Account on our records or as otherwise permitted by law. Your continued use of the Internet Banking Services constitutes your agreement to the amendment(s).


Your Internet Banking Services remain in effect until terminated by you or us. You may cancel your Internet Banking Services at any time by notifying us of your intent to cancel in writing to:

Citizens Bank and Trust

PO Box 190
Ryegate Montana  59074

PO Box 847
Big Timber, Montana  59011 

PO Box 247
Harlowton, MT  59036

This cancellation applies only to your Internet Banking Services and does not terminate your other relationships with us.  Citizens Bank and Trust is not responsible for any fixed payment made before Citizens Bank and Trust has a reasonable opportunity to act on your termination notice.  You remain obligated for any payments made by Citizens Bank and Trust on your behalf.

Other Provisions

Governing Law

This Agreement shall be governed by and construed in accordance with the laws of Montana without regard to conflict of law provisions. Your existing Account relationships shall continue to be governed by and construed in accordance with the laws as disclosed in such Account agreements.

Scope of Agreement

This Agreement represents our complete agreement with you relating to our provision of the Internet Banking Bill Pay Services. No other statement, oral or written, including language contained in our website, unless otherwise noted, is part of this Agreement.

Assignment and Delegation

The Customer may not assign this Agreement.  The Bank may assign this Agreement to any affiliate of the Bank.  The Bank may delegate its duties under this Agreement to third parties.


The headings of the paragraphs of this Agreement are for convenience and reference and shall not affect its construction or interpretation.

Your Privacy is Important to Us

Trust is the basis of each customer’s relationship at Citizens Bank and Trust.  As a customer of Citizens Bank and Trust you provide us with important information about yourself.  We believe it is our responsibility to safeguard your personal and financial information.

See our privacy policy  | Bill Pay Demo

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