CNB Online Electronic Banking Agreement
I. Introduction
II. Electronic Privacy Statement
III. Accessing Your Account Through CNB Online
IV. Terms and Conditions
V. General Terms
VI. Protecting Your Account
I. Introduction
This internet banking agreement (CNB Online Electronic Banking Agreement), governs your use of Citizens National Bank's internet banking service, CNB Online. CNB Online can be used to access certain Bank accounts and initiate certain electronic transactions. By enrolling in Online Banking, you agree to all the terms of this Agreement and to be bound by electronic communications that comply with the terms and procedures outlined herein. Each of your accounts at Citizens National is also governed by the terms of an Account Disclosure you received when you opened your account (Account Disclosure Statement). By enrolling in Online Banking, you acknowledge receipt of this disclosure(s) and agree to the terms and conditions of this account specific disclosure(s). To the extent there is a conflict between the terms of an account disclosure and this agreement, the CNB Online Electronic Banking Agreement will prevail.
You are being provided with this agreement and disclosure electronically. This agreement provides that in the future you may be provided other disclosures electronically. The terms "we," "us," "our" and "Bank" refer to Citizens National Bank. "You" refers to each signer on an account. The term "business days" includes everyday except Saturday, Sunday, and holidays recognized by Citizens National Bank.
II. Electronic Privacy Statement
Citizens National understands how important privacy is to our customers. We have taken numerous steps to insure your security and privacy as you use Online Banking. Our Electronic Banking Privacy Statement can be obtained by going to the following link: http://www.yourcnb.com/privacy
III. Accessing Your Account ThroughCNB Online
To access your accounts through CNB Online, you must have an account at Citizens National Bank, an assigned user ID (which will be your social security number/tax id number for your first log in) and an online password which you will select during the online enrollment process. You must also have internet access and a secured browser. Once enrolled, you will be able to view account information for only those accounts related to your social security number or tax payer identification number (in the case of a business relationship). Information made available will include:
You can also:
If you desire to access an account which does not use your social security number but on which you are a joint owner and/or authorized signer, you must contact the Bank to make a request. We will review your request and verify your relationship to the account. If your request is approved, the requested account will be activated in about one week.
A. Enrollment
The CNB Online service requires that you complete the Online electronic application. This involves completing the secure online application form on this page. You will be asked to provide your primary checking account number and your social security number (or taxpayer identification number for business relationships). To protect your accounts we must make every effort to ensure that you are the owner of the account you are using as your ID number, so we will also ask you to submit the amount of your last deposit into this checking account. You will also be asked to choose and submit your own unique password. Once you submit this information electronically, this information will be verified by our Customer Service Representatives who will link all account relationships using the social security number (or taxpayer identification number) you have provided. Once complete, you will simply go to our Lobby page each time you wish to view your account information and enter your user identification number and your password.
B. Fees
There are no monthly or transaction fees for accessing your account(s) through CNB Online.
C. Electronic Mail (E-mail)
Sending E-mail through CNB Online is a way to communicate with the Bank. We have provided you with an E-mail form for you to ask questions about your account(s) or give comments on your banking service. To ensure the security of your account, we recommend that you use only this E-mail when asking specific questions about your account(s). Generally, requests received from the system will be processed within one business day using procedures similar to those procedures that we would use to handle a request received by mail or fax. If urgent action is required, we recommend that you contact Citizens National directly by telephone or in person. Additional terms of acceptance or disclosure will also apply to certain Electronic Cash Management Services. You must either come by our office or contact us by email to receive these disclosures and initiate the activation of these services. There will be additional fees associated with these services.
For security reasons, you cannot use E-mail to initiate transactions on your account(s). For banking transactions such as transferring funds between accounts or electronically transferring funds outside of the Bank, please use the appropriate functions within CNB Online or call your nearest Citizens National Bank office.
D. Balance Inquiries and Transfers
You may use CNB Online to check the balance of your account(s) and to transfer funds between your accounts. Balances shown in your accounts may include deposits subject to verification by us. The balance may also differ from your records due to deposits in process, outstanding checks or other withdrawals, payments or charges.
According to federal regulations, you may not make more than six (6) pre-authorized or automatic transfers from your money market or savings accounts (includes our Money Market Plus, Money Market Cash Management, Silver Savings, and Premier Savings accounts) during a given monthly statement period. There are no limits to the number of transfers from your checking account to another checking or savings account you have with the Bank. A transfer may not result in immediate availability because of the time required to process the request. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of funds held until the hold expires. If you have questions, contact your local Citizens National Bank office.
IV. Terms and Conditions
Enrolling for access to your accounts through CNB Online confirms your agreement to be bound by all the terms and conditions of this Online Agreement and acknowledges your receipt and understanding of this disclosure.
A. Your Online Password
In the Enrollment process, you will be asked to fill out an online, electronic application, and choose a password. For your protection, your password will expire periodically and you will be prompted to change it. We are entitled to act on instructions received under your password. For security purposes, it is recommended that you memorize this online password and do not write it down. You are responsible for keeping your password and account data confidential.
B. Canceling Your Access
If you wish to cancel any of your CNB Online service, please contact the nearest Citizens National Bank office or call (601) 693-1331 or (866) 333-4CNB use the secure e-mail feature within CNB Online. You may also send us cancellation instructions in writing to: Citizens National Bank, CNB Online Customer Service, P.O. Box 911, Meridian, MS 39302.
C. Our Liability
If we do not complete a transfer to or from your account on time or in the correct amount, according to our agreement with you, we will be liable for your losses or damages. Except as specifically provided in this Agreement or where the law requires a different standard, you agree that we shall not be responsible for any loss, property damage or bodily injury, whether caused by the equipment, the software, the Bank, or by Internet browser providers, such as Netscape (Netscape Navigator browser) or Microsoft (Microsoft Explorer browser), or by internet access providers or by online service providers or by an agent or subcontractor of any of the forgoing. Nor shall we be responsible for any direct, indirect, special, or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the equipment, the software, the Online Banking services, or internet browser, or access software.
D. Hours of Accessibility
You can access your Bank accounts through CNB Online seven days a week, 24 hours a day. However, at certain times, some or all of CNB Online may not be available due to system maintenance or update. During these times, you may use ReadyLine, our touch-tone telephone service, Ready Banker, one of our ATMs, or a Citizens National Bank office to conduct your transactions.
To post to your account the same day, a transfer initiated through CNB Online should be made before 6 p.m. Transfers completed on a Saturday, Sunday or holiday recognized by Citizens National Bank, will be posted on the next business day.
E. Disclosure of Account Information
You authorize the Bank and each of its affiliates to disclose to third parties, agents, and affiliates, such as independent auditors, consultants or attorneys, information you have provided or that we or our affiliates have obtained about your accounts and the transfers you make:
F. Periodic Statements
You will get a monthly account statement from us for your checking and money market accounts. You will get a semi-annual account statement from us for your savings account, unless there is electronic activity in a particular month. In any case, you will get a statement semi-annually.
G. Questions or Error Correction on Online Banking
In case of questions or errors about online funds transfers or bill payments made through CNB Online involving a Bank account, you should do one of the following:
We must hear from you no later than sixty (60) days after we have sent the first statement on which the problem or error appeared. If you notify us verbally, we may require that you send us your complaint or question in writing (not e-mail) within ten (10) business days.
When you tell us about the problem, please:
We will tell you the results of our investigation within 10 business days after we hear from you, and we will correct any error promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the 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 10 business days, we do not need to credit your account while we complete our investigation. If we determine that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents used in our investigation.
Transfers may be incomplete if ANY of the following conditions exist. We will not be liable:
V. General Terms
A. Changes to Charges, Fees or Other Terms
We reserve the right to change the charges, fees or other terms described in this CNB Online Agreement. When changes are made to any fees, charges, or other material terms we will update this CNB Online Agreement, and either send a notice to you at the address shown on our records, or send you an electronic mail message (E-mail). The notice will be posted or sent at least thirty (30) days in advance of the effective date of any additional fees for online transactions, or of any stricter limits on the type, amount or frequency of transactions, or any increase in your responsibility for unauthorized transactions, unless an immediate change is necessary to maintain the security of the system. If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with electronic or written notice within thirty (30) days after the change. As always, you may choose to accept or decline changes by continuing or discontinuing the accounts or services to which these changes relate. We also reserve the option, in our business judgement, to waive, reduce or reverse charges or fees in individual situations. Changes to fees applicable to specific accounts are governed by the applicable Account Disclosure Statement.
B. Other Agreements
In addition to this Agreement you agree to be bound by and will comply with the requirements of the applicable Account Disclosure Statement, the Bank's rules and regulations, the rules and regulations of any funds transfer system to which the bank belongs and applicable state and federal laws and regulations. We agree to be bound by them also.
C. Bank's Right to Terminate this Agreement
The Bank reserves the right to terminate this CNB Online Agreement and your access to CNB Online, in whole or in part, at any time.
D. Assignment
The Bank may assign this CNB Online Agreement to its parent corporation or to any now-existing or future direct or indirect subsidiary of its parent corporation. The Bank may also assign or delegate certain of its rights and responsibilities under this CNB Online Agreement to independent contractors or other third parties.
VI. Protecting Your Account
A. Preventing Misuse of Your Account
Your role is extremely important in the prevention of any wrongful use of your account. You must promptly examine your statement upon receipt. If you find that your records and ours disagree, you must immediately call Citizens National Bank Online Banking Customer Service at (601)693-1331 or (866) 333-4CNB.
Protecting Personal Information - In addition to protecting your account information, you should take precautions to protect your personal identification information, such as your driver's license, Social Security Number, etc. This information by itself or together with information on your account may allow unauthorized access to your account(s). It is your responsibility to protect personal information with the same level of care that you protect your account information.
Taking Care of Your Online Password - The password that is used to gain access to CNB Online should be kept confidential. For your protection, your password will expire periodically and you will be prompted to change it. We recommend that you memorize this online password and do not write it down. You are responsible for keeping your password, account numbers and other account data confidential. If you believe that your online password may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, change your password at once and notify Citizens National Bank's Online Banking Customer Service at once at (601)693-1331 or (866) 333-4CNB or your local Citizens National Bank office.
B. Unauthorized Transactions in Your Bank Accounts
Notify us at once if you believe another person has improperly obtained your online password. Also notify us if someone has transferred or may transfer money from your account without your permission, or if you suspect any fraudulent activity on your account. Only reveal your account number to a legitimate entity for a purpose you authorize (such as your insurance company for automatic payments). Telephoning is the best possible way to keep your losses down. To notify us, call Citizens National Bank's Online Banking Customer Service at (601)693-1331 or (866) 333-4CNB or the nearest Citizens National Bank office (see the Hours & Locations page within this web site for local telephone numbers and mailing addresses). If the Bank is not open, (i.e. after banking hours, weekend or holidays) call us during business hours at the number listed above or the number for your local branch.
If your online password has been compromised and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your online password without your permission to access a Bank deposit account. If you do NOT tell us within two (2) business days after you learn of the loss or theft, and we could have stopped someone from taking money without permission had you told us, you could lose as much as $500.
Also, if your statement shows withdrawals, transfers or purchases that you did not make or authorize, please notify us at once. If you do not notify us within sixty (60) days after the statement was sent to you, and we could have stopped someone from taking money if you had told us in time, you may not get back any money lost after the sixty (60) days. If extenuating circumstances, such as a long trip or hospital stay, kept you from telling us, the time periods in the section will be extended.
Citizens National Bank
Bill Payment Agreement and Disclosure Statement
This Agreement states the terms and conditions that apply when you use our Bill Payment Service (the "Service") to perform bill payment functions using your personal computer. By subscribing to the Service to pay bills, you agree to the terms of this Agreement. These terms and conditions are in addition to those that apply to any accounts you have with 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 signs the Bill Payment Application or who uses or is authorized to use your account and User ID and Password. "We", "us", and "our" mean Citizens National Bank of Meridian. The terms Merchant or Payee mean any business, company, individual or third-party that you establish as a payee, and includes us when you are making payments to us.
When you instruct Citizens National Bank to pay a bill through "CNB Online" Internet Banking, you authorize Citizens National Bank to withdraw the necessary funds from the Citizens National Bank account you designated. You agree that you will instruct Citizens National Bank to make a withdrawal only when a sufficient balance, including overdraft protection devices, is or will be available in your designated account at the time of withdrawal. Citizens National Bank will not be obligated to act on any withdrawal instruction from you if sufficient funds, including overdraft protection devices, are not available in the account you designated.
Bill payments are processed in one of two ways. Most payments are made through electronic funds transfer. The other method of processing payments is with an individual check. Regardless of the payment method, the funds will be withdrawn from your account electronically.
If you schedule a payment to be processed on a date which falls on a Saturday, Sunday or holiday, the money will be taken out of your account and mailed on the following business day.
The money will be taken out of your account 1-2 business days before the payment is to be processed. The day you would like the payment to be processed is the date you specified when you gave us your instructions. If, however, you specify a date which falls on a Saturday, Sunday, or holiday, we will take the money out of your account and transmit it to the payee on the following business day.
You may confirm that a bill payment was sent in accordance with your instructions by viewing the Payment History screen of Bill Pay and clicking on the confirmation number, or by emailing the Citizens National Bank Electronic Banking Department at [email protected] or by calling them at 601-484-5242. Citizens National Bank is not responsible for postal delays or processing delays by the payee.
There is a per transaction limit of $9,999.99 on Citizens National Bank's "CNB Online eBill Pay Service". Payments must be for at least $1.00. There is a daily limit of $19,999.99 per user.
You must have enough available funds in the designated account on the date you specified the bill payment to be processed. Citizens National Bank will not process a bill payment if there are insufficient funds available in the designated account on the date the bill payment is scheduled to be made. In which case you will be notified by electronic message to your CNB Online internet banking account. If your account does not have sufficient funds to cover the bill pay item, your bill pay account may be immediately blocked and no more bills will be paid or set up until the NSF has been resolved. The account will remain blocked for 5-10 days. The bill pay account may be closed if collection of debit returns is unsuccessful or if fraudulent activity is identified. Your account may be debited up to three times for a payment, and an NSF fee may be charged each time.
You can cancel a future payment from your Citizens National Bank account by using "CNB Online" Internet Banking Bill Pay. You must cancel your payment by 8:00 p.m. of the business day prior to the payment send on (process) date you specified when you set up the payment. A Stop Payment may be placed on an item. A stop payment fee may be imposed in this case. Placing a stop payment on a bill pay item may result in your bill pay account being blocked for future use.
FinanceWorks & Debit Rewards Offers -- End User License Agreement
In addition to the above content, if you decide to use either FinanceWorks or the Debit Rewards Offers application, you acknowledge and agree to the following terms and conditions of service.
LICENSE GRANT AND RESTRICTIONS. You are granted a personal, limited, non-exclusive, non-transferable license, to electronically access and use the FinanceWorks Service (the "Service") solely to manage your financial data, and the Cick for Cash rewards application ("Debit Rewards Offers") to benefit from your debit card purchases.
In addition to the FinanceWorks Service and the Debit Rewards Offers, the terms "Service" and "Debit Rewards Offers" also include any other programs, tools, internet-based services, components and any "updates" (for example, Service maintenance, Debit Rewards information, help content, bug fixes, or maintenance releases, etc.) of the Service or Debit Rewards Offers if and when they are made available to you by us or by our third party vendors. Certain Service and Debit Rewards Offers may be accompanied by, and will be subject to, additional terms and conditions.
You are not licensed or permitted to do any of the following and you may not allow any third party to do any of the following: (i) access or attempt to access any other systems, programs or data that are not made available for public use; (ii) copy, reproduce, republish, upload, post, transmit, resell or distribute in any way the material from the FinanceWorks site or from the Debit Rewards Offers program; (iii) permit any third party to benefit from the use or functionality of the Service or Debit Rewards Offers, or any other services provided in connection with them, via a rental, lease, timesharing, service bureau, or other arrangement; (iv) transfer any of the rights granted to you under this license; (v) work around any technical limitations in the Service, use any tool to enable features or functionalities that are otherwise disabled in the Service, or decompile, disassemble, or otherwise reverse engineer the Service except as otherwise permitted by applicable law; (vi) perform or attempt to perform any actions that would interfere with the proper working of the Service or Debit Rewards Offers or any services provided in connection with them, prevent access to or the use of the Service, Debit Rewards Offers or any or services provided in connection with them by other licensees or customers, or impose an unreasonable or disproportionately large load on the infrastructure while using the Service; or (vii) otherwise use the Service, Debit Rewards Offers or any services provided in connection with them except as expressly allowed under this Section 1.
OWNERSHIP. The Service and Debit Rewards Offers are protected by copyright, trade secret and other intellectual property laws. You do not have any rights to the trademarks or service marks.
YOUR INFORMATION AND ACCOUNT DATA WITH US. You are responsible for (i) maintaining the confidentiality and security of your access number(s), password(s), security question(s) and answer(s), account number(s), login information, and any other security or access information, used by you to access the Service, Debit Rewards Offers or any services provided in connection with them, and your accounts with us (collectively, "Licensee Access Information"), and (ii) preventing unauthorized access to or use of the information, files or data that you store or use in or with the Service, Debit Rewards Offers or any services provided in connection with them (collectively, "Account Data"). You are responsible for providing access and assigning passwords to other users, if any, under your account for the Service, Debit Rewards Offers or any services provided in connection with them, and ensuring that such authorized users comply with this Agreement. You will be responsible for all electronic communications, including account registration and other account holder information, email and financial, accounting and other data ("Communications") entered using the Licensee Access Information. It is assumed that any Communications received through use of the Licensee Access Information were sent or authorized by you. You agree to immediately notify us if you become aware of any loss, theft or unauthorized use of any Licensee Access Information. We reserve the right to deny you access to the Service, Debit Rewards Offers or any services provided in connection with them (or any part thereof) if we reasonably believe that any loss, theft or unauthorized use of Licensee Access Information has occurred. You must inform us of, and hereby grant to us and our third party vendors permission to use, Licensee Access Information to enable us to provide the Service, Debit Rewards Offers or any services provided in connection with them to you, including updating and maintaining Account Data, addressing errors or service interruptions, and to enhance the types of data and services we may provide to you in the future.
We may use anonymous, aggregate information, which we collect and store, or which is collected and stored on our behalf by third party vendors, to conduct certain analytical research and help us to create new offerings and services for our customers. As we make additional offerings and online banking services available to you, some of which may rely on banking information maintained in your accounts, you will have the opportunity to participate in the services if you choose. If you choose not to participate, you do not need to notify us. We may also use anonymous, aggregate information which we collect and store, or which is collected and stored on our behalf by third party vendors, to (i) conduct database marketing and marketing program execution activities; (ii) publish summary or aggregate results relating to metrics comprised of research data from time to time; and (iii) distribute or license such aggregated research data to third parties. Additionally, automated technology may be used to tailor messages or advertisements that best reflect your interest and needs.
YOUR INFORMATION AND ACCOUNT DATA WITH OTHER FINANCIAL INSTITUTIONS. Our financial management tools allow you to view accounts that you may have outside our financial institution (this is a process called "aggregation"). When you choose to use online financial services which are applicable to data that you have transacted with other financial institutions or card issuers, you are consenting to us accessing and aggregating your data from those outside financial institutions. That data includes your financial institution account access number(s), password(s), security question(s) and answer(s), account number(s), login information, and any other security or access information used to access your account(s) with other financial institutions, and the actual data in your account(s) with such financial institution(s) such as account balances, debits and deposits (collectively, "Financial Account Data"). In giving that consent, you are agreeing that we, or a third party vendor on our behalf, may use, copy and retain all non-personally identifiable information of yours for the following purposes: (i) as pertains to the use, function, or performance of the services which you have selected; (ii) as necessary or useful in helping us, or third parties on our behalf, to diagnose or correct errors, problems, or defects in the services you have selected; (iii) for measuring downloads, acceptance, or use of the services you have selected; (iv) for the security or protection of the services you have selected; (v) for the evaluation, introduction, implementation, or testing of the services you have selected, or their upgrade, improvement or enhancement; (vi) to assist us in performing our obligations to you in providing the services you have selected.
If we make additional online financial services available to you which are applicable to data that you have transacted with other financial institutions or card issuers, and which we will aggregate at this site, we will separately ask for your consent to collect and use that information to provide you with relevant offers and services. If you give us your consent, you will be agreeing to permit us to use Financial Account Data to help us suggest savings opportunities or additional products and services to you.
If you select services that are offered by third parties or merchants through such offers or on our behalf, you will be agreeing that we have your consent to give such third parties or merchants your geographic location, and other data, collected and stored in aggregate, as necessary for such third parties or merchants to make their offerings and services available to you and to permit us to use Financial Account Data to help us suggest savings opportunities or additional products and services to you. Except as specified here, we and the third parties or merchants acting on our behalf shall not use or keep any of your personally identifiable information.
USE, STORAGE AND ACCESS. We shall have the right, in our sole discretion and with reasonable notice posted on the FinanceWorks site and/or sent to your email address provided in the Registration Data, to establish or change limits concerning use of the Service and any related services, temporarily or permanently, including but not limited to (i) the amount of storage space you have available through the Service at any time, and (ii) the number of times (and the maximum duration for which) you may access the Service in a given period of time. We reserve the right to make any such changes effective immediately to maintain the security of the system or Licensee Access Information or to comply with any laws or regulations, and to provide you with electronic or written notice within thirty (30) days after such change. You may reject changes by discontinuing use of the Service and any related services to which such changes relate. Your continued use of the Service or any related services will constitute your acceptance of and agreement to such changes. Maintenance of the Service or any related services may be performed from time-to-time resulting in interrupted service, delays or errors in such Service or related services. Attempts to provide prior notice of scheduled maintenance will be made, but we cannot guarantee that such notice will be provided.
THIRD PARTY SERVICES. In connection with your use of the Service, Debit Rewards Offers, or any other services provided in connection with them, you may be made aware of services, products, offers and promotions provided by third parties, ("Third Party Services"). If you decide to use Third Party Services, you are responsible for reviewing and understanding the terms and conditions governing any Third Party Services. You agree that the third party is responsible for the performance of the Third Party Services.
THIRD PARTY WEBSITES. The Service may contain or reference links to websites operated by third parties ("Third Party Websites"). These links are provided as a convenience only. Such Third Party Websites are not under our control. We are not responsible for the content of any Third Party Website or any link contained in a Third Party Website. We do not review, approve, monitor, endorse, warrant, or make any representations with respect to Third Party Websites, and the inclusion of any link in the Service, Debit Rewards Offers or any other services provided in connection with them is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by us of any information contained in any Third Party Website. In no event will we be responsible for the information contained in such Third Party Website or for your use of or inability to use such website. Access to any Third Party Website is at your own risk, and you acknowledge and understand that linked Third Party Websites may contain terms and privacy policies that are different from ours. We are not responsible for such provisions, and expressly disclaim any liability for them.
EXPORT RESTRICTIONS. You acknowledge that the Service may contain or use software that is subject to the U.S. Export Administration Regulations (15 CFR, Chapter VII) and that you will comply with these regulations. You will not export or re-export the Service, directly or indirectly, to: (1) any countries that are subject to US export restrictions; (2) any end user who has been prohibited from participating in US export transactions by any federal agency of the US government; or (3) any end user who you know or have reason to know will utilize them in the design, development or production of nuclear, chemical or biological weapons. You further acknowledge that this product may include technical data subject to export and re-export restrictions imposed by US law.
DEBIT REWARDS OFFERS. If you decide you wish to participate in the Debit Rewards Offers application, you acknowledge and agree to the following terms and conditions of service.
Debit Rewards. You will earn rewards for your participation in the Debit Rewards Offers program based on total purchases. If you participate in the Debit Rewards Offers, we will credit all cash or point rewards earned to your rewards balance and send you a lump sum of all rewards due to you. For any qualifying purchases during the current month, we will distribute the lump sum amount to you during the following calendar month. For example, if the payment date of all rewards end user disbursements is August 30, the applicable Measurement Period would be the calendar month ended July 31. Cash rewards will be deposited in the Debit Rewards Offers deposit account which is associated with the Debit Rewards Offers program.
Debit Rewards Offers Account. You must use the debit card associated with the Debit Rewards Offers account in order to receive the offers which qualify for the rewards. Rewards will not be earned for any portion of your purchase that you pay for with store credit, gift certificates or other payment types.
Purchases must be made as indicated in the offers made available under the Debit Rewards Offers program. Each offer will specify whether the purchase can be made online, at a store location, or by telephone to be eligible for rewards. You must also comply with any guidelines included with the offer, such as offer expiration dates, minimum purchase amounts, purchase limits, etc. You must also pay using the debit card associated with the account that received the Debit Rewards offer in order for the purchase to qualify.
While we and the merchants work hard to properly track and credit all eligible purchases, there may be times that we are unable to do so because of problems with your internet browser, the merchant's web site or our system. Please contact our support team if you believe you have made a qualifying purchase for which you did not receive Rewards.
Please note that you will not earn rewards as part of this program if you use a debit card not issued by us or do not have the designated deposit account opened with us at the time of disbursement.
You understand and agree that we make no warranties and have no liability as to:
Citizens National Bank
Bill Payment Agreement and Disclosure Statement
This Agreement states the terms and conditions that apply when you use our Bill Payment Service (the "Service") to perform bill payment functions using your personal computer. By subscribing to the Service to pay bills, you agree to the terms of this Agreement. These terms and conditions are in addition to those that apply to any accounts you have with 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 signs the Bill Payment Application or who uses or is authorized to use your account and User ID and Password. "We", "us", and "our" mean Citizens National Bank of Meridian. The terms Merchant or Payee mean any business, company, individual or third-party that you establish as a payee, and includes us when you are making payments to us.
When you instruct Citizens National Bank to pay a bill through "CNB Online" Internet Banking, you authorize Citizens National Bank to withdraw the necessary funds from the Citizens National Bank account you designated. You agree that you will instruct Citizens National Bank to make a withdrawal only when a sufficient balance, including overdraft protection devices, is or will be available in your designated account at the time of withdrawal. Citizens National Bank will not be obligated to act on any withdrawal instruction from you if sufficient funds, including overdraft protection devices, are not available in the account you designated.
Bill payments are processed in one of two ways. Most payments are made through electronic funds transfer. The other method of processing payments is with an individual check. Regardless of the payment method, the funds will be withdrawn from your account electronically.
If you schedule a payment to be processed on a date which falls on a Saturday, Sunday or holiday, the money will be taken out of your account and mailed on the following business day.
The money will be taken out of your account 1-2 business days before the payment is to be processed. The day you would like the payment to be processed is the date you specified when you gave us your instructions. If, however, you specify a date which falls on a Saturday, Sunday, or holiday, we will take the money out of your account and transmit it to the payee on the following business day.
You may confirm that a bill payment was sent in accordance with your instructions by viewing the Payment History screen of Bill Pay and clicking on the confirmation number, or by emailing the Citizens National Bank Electronic Banking Department at [email protected] or by calling them at 601-484-5242. Citizens National Bank is not responsible for postal delays or processing delays by the payee.
There is a per transaction limit of $9,999.99 on Citizens National Bank's "CNB Online eBill Pay Service". Payments must be for at least $1.00. There is a daily limit of $19,999.99 per user.
You must have enough available funds in the designated account on the date you specified the bill payment to be processed. Citizens National Bank will not process a bill payment if there are insufficient funds available in the designated account on the date the bill payment is scheduled to be made. In which case you will be notified by electronic message to your CNB Online internet banking account. If your account does not have sufficient funds to cover the bill pay item, your bill pay account may be immediately blocked and no more bills will be paid or set up until the NSF has been resolved. The account will remain blocked for 5-10 days. The bill pay account may be closed if collection of debit returns is unsuccessful or if fraudulent activity is identified. Your account may be debited up to three times for a payment, and an NSF fee may be charged each time.
You can cancel a future payment from your Citizens National Bank account by using "CNB Online" Internet Banking Bill Pay. You must cancel your payment by 8:00 p.m. of the business day prior to the payment send on (process) date you specified when you set up the payment. A Stop Payment may be placed on an item. A stop payment fee may be imposed in this case. Placing a stop payment on a bill pay item may result in your bill pay account being blocked for future use.