Online Access Agreement

Agreement

This Agreement, which includes the Fee Schedule and Enrollment Form, is a contract establishing the rules, which cover your electronic access to your accounts at Citizens Bank ("BANK") through Citizens eBank ("SYSTEM"). By using SYSTEM, you accept all terms and conditions of this Agreement. Please read it carefully. The terms and conditions of the deposit agreements and disclosures for each of your BANK accounts as well as your other agreements with BANK such as loans, continue to apply not withstanding anything to the contrary in this Agreement. This Agreement is also subject to applicable federal laws and the laws of the State of Oregon (except to the extent this Agreement can and does vary such rules or laws). If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. The headings in this Agreement are for convenience or reference only and will not govern the interpretation of the provisions. Any waiver (express or implied) by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or subsequent default or breach. You may not assign this Agreement. This Agreement is binding upon your heirs and BANK's successors and assigns. Certain of the obligations of the parties pursuant to this Agreement that by their nature would continue beyond the termination, cancellation or expiration of this Agreement shall survive termination, cancellation or expiration of this Agreement. This Agreement, together with the Enrollment Form and Fee Schedule, constitutes the entire agreement between you and BANK with respect to the subject matter hereof and there are no understandings or agreements relative hereto which are not fully expressed herein.

 

System Requirements

Computer Requirements:  To use the service, you must have a personal computer equipped with access to the Internet.  You are responsible for the selection, installation, maintenance, and operation of your computer and software.  We are not responsible for any errors, failures, or malfunctions of your computer or software, or for any computer virus or related problems that may occur with your use of this service.  You are responsible for ensuring that your computer and software are compatible with our system.  We reserve the right to change our system requirements from time to time.

 

For the Internet Banking System to work properly we suggest that users have the most current Internet Explorer, Firefox, or Safari.  The browser needs to be Java enabled.

 

To utilize our eBanking system, you must have one active account with us.

 

To utilize our Bill Pay or Cash Management through our eBanking system you must have an active checking account with us

 

Definitions

As used in this Agreement, the words "we", "our", "us" and "BANK" mean Citizens Bank. "You" and "your" refer to the account holder authorized by BANK to use SYSTEM under this Agreement and anyone else authorized by that account holder to exercise control over the account holder's funds through SYSTEM. "Account" or "accounts" means your accounts at BANK. "Electronic fund transfers" means ATM withdrawals, pre-authorized transactions, point of sale transactions and transfers to and from your BANK accounts using SYSTEM including bill payments. "SYSTEM Services" means the services provided pursuant to this Agreement, including the Bill Payment Service. "Business days" means Monday through Friday. Holidays are not included.

 

Internet Security Information

Our Internet Banking service utilizes a comprehensive security strategy to protect accounts and transactions conducted over the Internet. In addition to our login security, we use SSL (secure socket layer) encryption technology for everything done in the system. Your browser automatically activates this technology when it attempts to connect to our system and it will support 128-bit key lengths. Whenever SSL is securing your communications, the browser will typically indicate the "secure session" by changing the appearance of a small padlock icon at the bottom of the screen from open to locked. What this means to you is that your communications are scrambled from your browser to our servers at all times, so no unauthorized party can read the information as it is carried over the Internet. Additionally, our servers have been certified by a "Certificate Authority" to assure you that you are actually talking to our servers instead of someone pretending to be us.

 

During your use of the Internet Banking system, we will pass a "cookie" to your browser to identify you. We do not (and cannot) use our cookies to obtain new information about you. A "cookie" is security data given to a browser by a web server and returned by the browser on subsequent transmissions to identify the user and encryption information. When you log onto the system, this cookie enables us to process multiple transactions during the session without you having to provide your Login ID and password for each individual transaction. After a predetermined amount of time set by our security system or when you log off, the session cookie is no longer accepted. A new cookie is used for each session, so that no one can use the cookie to access your account. For Cash Management users, a cookie may also be used to restrict access to a specific PC for conducting business transactions.

 

Registration Process

The service requires the customer to complete the initial registration process. This involves printing an Enrollment Form and mailing it to our office. The information on the Enrollment Form will identify everything we will need to enable the service. Once we verify the information you submitted for accuracy and authorizations, you will be notified when your account will be activated by mail.

 

Access

To use SYSTEM, you must have at least one active account at BANK, access to Internet service and an email address. Once we have received your signed Enrollment Form and verified your account information, we will send you confirmation of our acceptance of your enrollment, along with your assigned Login ID and temporary password, through the postal system. SYSTEM can be used to access only the BANK accounts designated for access by SYSTEM in your Enrollment Form. You can add or delete any of your BANK accounts from this Agreement by completing a new Enrollment Form. Access to your accounts through SYSTEM will be based upon the identification of users and authority levels specified by you in your Enrollment Form. We undertake no obligation to monitor transactions through SYSTEM to determine that they are made on behalf of the account holder.

 

SYSTEM Services

You can use SYSTEM to check the balance of your BANK accounts, view BANK account histories, transfer funds between your BANK accounts, make stop payment requests, purchase EE and I Bonds, change your address and pay bills from your BANK accounts in the amounts and on the dates you request if you have requested the Bill Payment Service on your Enrollment Form. Balance and activity information are available as of 8:00 a.m. Pacific Time for the previous day.

 

Hours of Access

You can use SYSTEM seven days a week, twenty-four hours a day, although occasionally some or all SYSTEM services may not be available due to emergency or scheduled system maintenance. We agree to post notice of any extended periods of non-availability on the SYSTEM website.

 

Your Password

For security purposes, you are required to change your password upon your initial login to SYSTEM . You will be prompted to change your password every 360 days. Although it is not required, for your safety and security we recommend you change your password every 90 days. You determine what password you will use with a minimum of 8 characters and will need to contain 3 of the 4 following characters: one uppercaser, one lowercase, one number, and/or one special character (such as @, #, $, %); the identity of your password is not communicated to us. Your password should not be associated with any commonly known personal identification, such as social security numbers, address, date of birth or names of children, and should be memorized rather than written down. You agree that we are authorized to act on instructions received under your password. You accept responsibility for the confidentiality and security of your password and agree to change your password regularly. Upon three unsuccessful attempts to use your password, your access to SYSTEM will be revoked. To re-establish your authorization to use SYSTEM, you must contact us to have your password reset or to obtain a new temporary password.

 

PASSMARK SECURITY - authenticates each user to a Web site based on a password and specific positive device forensics - and, at the same time, authenticates the site to the user with visual images, offering both parties assurances that they are taking part in a legitimate transaction. You are required to choose an Image, Pass Phrase, and answer 3 questions upon your initial login to SYSTEM. You determine the Image, Pass Phrase, and answers to the questions; the identity of your Passmark Security is not communicated to us. You accept responsibility for the confidentiality and security of your Image, Pass Phrase, questions and answers. Upon three unsuccessful attempts to access the SYSTEM, your access to SYSTEM will be revoked. To re-establish your authorization to use SYSTEM, you must contact us to have your Passmark Security reset.

 

Security

You understand the importance of your role in preventing misuse of your accounts through SYSTEM, and you agree to promptly examine the paper statement for each of your BANK accounts as soon as you receive it. You agree to protect the confidentiality of your account and account number, and your personal identification information such as your driver's license number and social security number. You understand that personal identification information by itself or together with information related to your account may allow unauthorized access to your account. Your password and Login ID are intended to provide security against unauthorized entry and access to your accounts. Data transferred via SYSTEM is encrypted in an effort to provide transmission security; SYSTEM utilizes identification technology to verify that the sender and receiver of SYSTEM transmissions can be appropriately identified by each other. Notwithstanding our efforts to ensure that the SYSTEM is secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and can potentially be monitored and read by others. We cannot and do not warrant that all data transfers utilizing BANK SYSTEM, or email transmitted to and from us, will not be monitored or read by others.

 

Fees and Charges

You agree to pay the fees and charges as set forth in the current fee schedule for your use of SYSTEM Services. You agree that all such fees and charges will be deducted from the BANK account designated as the "Primary Account" on your Enrollment Form. If you close your Primary Account, you must contact us immediately to designate another account as your Primary Account. You agree to pay any additional reasonable charges for services you request not covered by this Agreement. You are also responsible for telephone and Internet service fees incurred in connection with your use of SYSTEM.

 

Posting of Transfers

Transfers initiated through SYSTEM before 5:00 p.m. Pacific Time on a business day are posted to your account the same day. Transfers completed after 5:00 p.m. Pacific Time on a business day, Saturday, Sunday or banking holiday will be posted on the next business day. SYSTEM identifies a transfer based upon the Login ID of the user who made the electronic transfer. Accordingly, you understand and acknowledge that the View Postings screens in both the Transfer and Bill Payer menu options of SYSTEM will not reflect transfers made by multiple users from the same account if different Login IDs are used. You agree to communicate to any other persons with authorized access to your accounts concerning any transfers or bill payments from your accounts, in order to avoid overdrafts.

 

Overdrafts (Order of Payments, Transfers and other Withdrawals)

If your account has insufficient funds to perform all electronic fund transfers you have requested for a given business day, then: (a) Electronic fund transfers involving currency disbursements, like ATM withdrawals, will have priority; (b) Electronic fund transfers initiated through SYSTEM which would result in an overdraft of your account may, at our discretion, be cancelled and (c) In the event that electronic fund transfers initiated through SYSTEM which would result in an overdraft of your account are not canceled, overdraft charges may be assessed pursuant to the terms of the deposit agreement for that account. Checks will be paid in sequential order based on check number.

 

Limits on Amounts and Frequency of SYSTEM Transactions

The number of transfers from BANK accounts and the amounts that may be transferred are limited pursuant to the terms of the applicable deposit agreement and disclosure for those accounts. If a hold has been placed upon deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.

 

CHECKFREE BILL PAYMENT SERVICE

CheckFree is the Bill Payment Service offered by Citizens Bank. When you enroll for this service there are additional Terms and Conditions you will need to read and agree to.

 

Fees

Please refer to the fee schedule below

 

DISCLOSURE OF INFORMATION TO PARTIES OUTSIDE OF CITIZENS BANK

Citizens Bank recognizes and respects your expectations of privacy. We will take the necessary steps to ensure that information you share with us remains confidential. All Citizens Bank employees recognize the privacy concerns of customers and practice sensible "Privacy safeguards" in their everyday activities. We do not reveal information about our customers, or their accounts, to parties outside the Bank for their independent use unless: 1) to help complete a customer-initiated transaction, 2) to help administer the institution's bona fide business, 3) at the customer's request, 4) the disclosure of information is required, by law (i.e., subpoena), 5) to a reputable information reporting agency (i.e., credit bureau), 6) after the customer has been informed about the possibility of such disclosure through a prior communication and is given the opportunity to decline (i.e., "opt out").

 

Periodic Statements

You will not receive a separate SYSTEM statement. Transfers to and from your accounts using SYSTEM will appear on the respective periodic paper statements for your BANK accounts.

 

Change in Terms

We may change any term of this Agreement at any time. If the change would result in increased fees for any SYSTEM service, increased liability for you, fewer types of available electronic fund transfers or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice at least 21 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer system. We will post any required notice of the change in terms on the BANK SYSTEM website or forward it to you by email or by postal mail. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic fund transfer system, we will notify you of the change in terms within 30 days after the change becomes effective. Your continued use of any or all of the subject SYSTEM Services indicates your acceptance of the change in terms. We reserve the right to waive, reduce or reverse charges or fees in individual situations. You acknowledge and agree that changes to fees applicable to specific accounts are governed by the applicable deposit agreements and disclosures.

 

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

The Electronic Fund Transfer Disclosure does not apply to any accounts other than consumer accounts, as defined by Regulation E.

Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.

 

Preauthorized Credits

You may make arrangements for certain direct deposits to be accepted into your checking or savings account(s).

 

Preauthorized Payments

You may make arrangements to pay certain recurring bills from your checking or savings account(s).

 

Electronic check conversion

You may provide your check to a merchant or service provider who will scan the check for the encoded bank and account information. The merchant or service provider will then use this information to convert the transaction into an electronic funds transfer. This may occur at the point or purchase, or when you proved your check by other means such as by mail or drop box.

 

Electronic returned check charge

Some merchants or service providers will initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds.

 

ATM Transfers - types of transfers, dollar limitations, and charges - You may access your account(s) by ATM using your ATM card and personal identification number or Check Card and personal identification number, to:

 

• Make deposits to checking account(s) with an ATM or Check Card at Citizens Bank locations only

• Make deposits to savings account(s) with an ATM or Check Card at Citizens Bank locations only

• Get cash withdrawals from checking account(s) with an ATM or Check Card

• You may withdraw no more than $300.00 per day

• Get cash withdrawals from savings account(s) with an ATM or Check Card

• You may withdraw no more than $300.00 per day

• Transfer funds from savings to checking account(s) with an ATM or Check Card

• Transfer funds from checking to savings account(s) with an ATM or Check Card

• Get information about:

• The account balance of your checking or savings account(s) with an ATM or Check Card. There is a charge of $1.00 for each withdrawal, transfer, or inquiry made at ATM we do not own or operate.  Some of these services may not be available at all terminals.

 

Types of Check Card Point-of-Sale Transactions

You may access your checking account(s) to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that you can do with a credit card (that a participating merchant will accept with a credit card).

 

Check Card Point-of-Sale Transactions - dollar limitations

Using your card:

• You may not exceed a limit of $1,500.00 in your checking account for purchases in person.

• You may not exceed a limit of $700.00 per card in your checking account on PIN transactions per day.

 

Currency Conversion and International Transactions

When you use your VISAฎ branded debit card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date.

 

Visa USA charges us a .8% International Service Assessment on all international transactions, regardless of whether there is a currency conversion. If there is a currency conversion, the International Service Assessment is 1% of the transaction. In either case, we pass this international transaction fee on to you. An international transaction is a transaction where the country of the merchant is outside the USA.

 

Advisory Against Illegal Use

You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card log by, for example, on online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.

 

Internet Banking

types of transfers, dollar limitations, and charges - You may access your account(s) by computer by logging onto our website at www.citizensEbank.com and using your login ID and password to:

 

Transfer funds from savings to checking accounts(s)

• Transfer funds from checking to savings account(s)

• Transfer funds from checking account(s) to loan

• Transfer funds from savings account(s) to loan

• Get Information about your checking, savings, CD, and loan account(s)

 

Bill Payment Service

You may make arrangements for certain recurring bills from your checking or savings account(s)

 

Payments can be made to anyone, whether they accept electronic payments or not

• Enter bills today and set them to pay at a later date

• Set recurring bills to pay automatically

 

Fees

We do not charge for direct deposits to any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers

 

ATM Operator/Network Fees

When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer.)

 

DOCUMENTATION

• Terminal transfers. You can get a receipt at the time you make any transfer to or from your account using one of our automated teller machines or point-of-sale terminals. However, you may not get a receipt if the amount of the transfer is $15.00 or less.

• Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at (541) 752-5161 to find out whether or not the deposit has been made.

• Periodic statements. You will get a monthly account paper statement from us for your transaction accounts. You will get a monthly account paper statement from us for your statement savings accounts, unless there are no transfers in a particular month. In any case, you will get a paper statement at least quarterly.

 

PREAUTHORIZED PAYMENTS

• Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how:
Call or write us at the telephone number or address listed at the end of this disclosure in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. Please refer to our separate fee schedule for the amount we will charge you for each stop-payment order you give.

• Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)

• Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so we will be liable for you losses or damages.

 

FINANCIAL INSTITUTION'S LIABILITY

Liability for failure to make transfers. If we do not complete a transfer to or from your account, including a bill payment, on time or the correct amount according to our agreement with you when you have properly instructed us to do so, we will be liable for your losses or damages caused as a result. However, there are some exceptions. We will not be liable for instance:

  1. If, through no fault of ours, you do not have enough money in your account to make the transfer.

  2. If you have an overdraft line and the transfer would go over the credit limit.

  3. If the automated teller machine where you are making the transfer does not have enough cash.

  4. If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.

  5. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.

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

  7. If a legal order directs us to prohibit withdrawals from the account

  8. If your account is closed, or if it has been frozen.

  9. If you, or anyone authorized by you, commits any fraud or violates any law or regulation.

  10. If you have not provided us with complete and correct payment information for the Bill Payment Service, including, without limitation, the name, address, your payee-assigned account number, payment date

  11. If you have not properly followed the on-screen instructions for using SYSTEM

UNAUTHORIZED TRANSFERS

(a)Consumer liability.
1) Generally. Tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Tell us AT ONCE if you believe your password has been lost, stolen, or used without your authorization, or otherwise compromised, or if someone has transferred or may transfer money from your accounts without your permission. 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 2 business days, you can lose no more than $50.00 if someone used your card and/or code without your permission.

 

If you do NOT tell us within 2 business days after you learn of the loss or theft of your card, password and/or code, and we can prove we could have stopped someone from using your card and/or code 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 60 days after the statement was mailed to you, you may not get back any money you lost after the 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 shall extend the time periods.

 

2) Additional Limits on Liability for VISAฎ-branded debit cards. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISAฎ-branded debit card. This additional limit on liability does not apply to ATM transactions, to transactions using your Personal Identification Number which are not processed by VISAฎ, or to commercial cards.

 

(b) Contact in event of unauthorized transfer. If you believe your card and/or code or password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed at the end of this disclosure.

 

ERROR RESOLUTION NOTICE

In Case of Errors or Questions About Your Electronic Transfers, including Bill Payments, Call or Write us at the telephone number or address listed at the end of this disclosure, as soon as you can, if you think your paper statement or receipt is wrong or if you need more information about a transfer listed on the paper statement or receipt. We must hear from you no later than 60 days after we sent the FIRST paper statement on which the problem or error appeared.

  1. Tell us your name and account number (if any).

  2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

  3. Tell us the dollar amount of the suspected error.

  4. If the suspected error relates to a bill payment made via the SYSTEM Bill Payment Service, tell us the account number used to pay the bill, payee name, the date the payment was sent, payment amount, and the payee account number for the payment in question (this information appears on the Payment History - Payment Inquiry Screen).

If you tell us orally or by email, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (5 business days for VISAฎ-branded debit card point-of-sale transactions and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for VISAฎ-branded debit card point-of-sale transactions and 20 business days if the transfer involved a new account) 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 may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.
We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

 

Mailing Address, Telephone Number and Business Days Disclosure:

Citizens Bank
PO Box 30
Corvallis, OR 97339-0030
541-752-5161
Contact Us (Please do not send sensitive information via e-mail.)

 

Our business days are Monday through Friday, excluding Federal holidays.
We may revoke your electronic fund transfer privileges at any time without notice, cause, or liability to you and without affect to your obligations under any account agreement. We may change any account agreement by mailing a written notice to your address (as it appears on our records) at least 21 days before the change becomes effective, except that prior notice may not be given to you if the change is necessary to maintain the security of your account or the electronic fund transfer system. If the account is a joint account, each of you, separately, and both of you together are responsible for complying with all account agreements.

 

Disclaimer of Warranty and Limitation of Liability

We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the SYSTEM Services provided to you under this Agreement. We do not and cannot warrant that SYSTEM will operate without errors, or that any or all SYSTEM Services will be available and operational at all times. Except as specifically provided in this Agreement, or otherwise required by law, you agree that our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products provided under this Agreement or by reason of your use of or access to SYSTEM, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty. Further, in no event shall the liability of BANK and its affiliates exceed the amounts paid by you for the services provided to you through SYSTEM.

 

Virus Protection

The BANK is not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their PCs and diskettes using a reliable virus detection product to detect and remove any viruses. Undetected or unrepaired viruses may corrupt and destroy your programs, files and even your hardware. Additionally, you may unintentionally transmit the virus to other computers.

 

Your Right to Terminate

You may cancel your SYSTEM service at any time by providing us with written notice by postal mail or fax. Your access to SYSTEM will be suspended within 3 business days of our receipt of your instructions to cancel the service. You will remain responsible for all outstanding fees and charges incurred prior to the date of cancellation.

 

Our Right to Terminate

You agree that we can terminate or limit your access to SYSTEM Services for any of the following reasons:

  1. Without prior notice, if you have insufficient funds in any one of your BANK accounts; SYSTEM Service may be reinstated, in our sole discretion, once sufficient funds are available to cover any fees, pending transfers and debits;

  2. Upon 3 business days notice, if you do not contact us to designate a new Primary Checking Account immediately after you close your Primary Checking Account and

  3. Upon reasonable notice, for any other reason in our sole discretion.

Communications between BANK and You

Unless this Agreement provides otherwise, you can communicate with us in any one of the following ways:

  1. Email -You can contact us by email at CustomerService@citizensEbank.com (please note that banking transactions through SYSTEM are not made via email);

  2. Telephone - You can contact us by telephone at 541-752-5161 –or 1-800-577-1778 outside the Corvallis calling area.

  3. Facsimile - You can contact us by fax at 541-766-2298

  4. Postal Mail - You can write to us at: Citizens Bank, 275 SW 3rd St., PO Box 30, Corvallis, OR 97339 and

  5. In Person - You may visit us in person at any one of our locations: *
    *Please refer to the Contact Page

Consent to Electronic Delivery of Notices

You agree that any notice or other type of communication provided to you pursuant to the terms of this Agreement, and any future disclosures required by law, including electronic fund transfer disclosures, may be made electronically by posting the notice on the BANK SYSTEM website or by email. You agree to notify us immediately of any change in your email address.

 

Citizens eBank Online Fee Schedule

Service

Fee

• Inquire on account balances

• Transfer between linked Citizens Bank accounts

• Access and print available statements online

• Search for posted checks or deposits into account

• No Charge

• Personal Bill Pay

• Citizens Advantage & Senior Citizens Advantage accounts, $2.00 per month. Includes 15 bill payments per statement cycle; over 15, $0.40 each

• Senior Budget & Shareholder Advantage accounts, $6.00 per month. Includes 15 bill payments per statement cycle; over 15, $0.40 each

• Value Account, no monthly fee. Includes 15 bill payments per statement cycle; over 15, $0.40 each

• Business Bill Pay

• No Charge

• Business Cash Management

• $20.00 per month

• $.50 each ACH transaction

•  $17.00 each domestic wire transfer

• No charge for currency orders online

• Other Services

• $28.95 per stop payment request and $28.95 for each renewal

• Research $20.00 per hour

• No additional fee to order Savings Bonds online

• No fee to change address online

• No fee for use of on line Q-card reminders

 

All charges listed above will be automatically deducted from your designated primary Citizens Bank account and will appear on your account statement.

 

Fees previously disclosed to you in connection with the terms and conditions of each of your Citizens Bank accounts continue to apply when using this online banking service. Please refer to the Citizens Bank Guide to Services for a listing of fees associated with those accounts.

 

All fees associated with installation, maintenance and operation of any software, including fees accessed by your Internet Service Provider or telephone company during connection to Citizens eBank on line Banking System are the sole responsibility of the customer.

 

Fees subject to change.

 

 

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