BILL PAY CUSTOMER
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.
Means a checking account that you have with
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.
Payment Account" means the Account you have authorized us to debit for payments
made to Merchant(s) in connection with the Internet Banking Service.
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.
Day" means Monday through Friday, during regular business hours (see locations)
means electrical, digital, magnetic, wireless, optical or electromagnetic
technology that entails similar capabilities.
Banking Service" means collectively Online Banking and Bill Payment services.
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.
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.
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
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
Fitness and Merchantability
NEITHER WE, NOR ANY
INFORMATION PROVIDERS MAKE ANY WARRANTY, EXPRESS OR IMPLIED, TO YOU CONCERNING
THE SOFTWARE, EQUIPMENT, BROWSER OR OTHER SERVICES INCLUDING, BUT NOT LIMITED
TO, ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR PARTICULAR PURPOSE OR
NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, UNLESS DISCLAIMING SUCH WARRANTY IS
PROHIBITED BY LAW.
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
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
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.
YOU SHOULD ALLOW 2
– 10 BUSINESS DAYS FOR EACH BILL PAYMENT (RECURRING OR VARIABLE) TO REACH THE
MERCHANT. (IT IS THE RESPONSIBILITY
OF THE SUBSCRIBER TO SCHEDULE/ACTIVATE RECURRING PAYMENTS)
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
Payment can be changed or canceled, provided you change your payment prior to
7:00 p.m. MST cut-off time on the date scheduled for payment.
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
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.
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
Responsibilities of the Consumer
use of the Service by Other Persons
responsible for keeping your Bill Pay account data confidential.
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
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
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
limitations of liability set forth in this Agreement are subject to, and limited
by any state or federal law to the contrary.
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:
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.
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.
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.
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
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).
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:
Bank and Trust
PO Box 190
Ryegate Montana 59074
PO Box 847
Big Timber, Montana 59011
PO Box 247
Harlowton, MT 59036
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.
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
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
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.
of the paragraphs of this Agreement are for convenience and reference and shall
not affect its construction or interpretation.
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