Disclosure Agreements

Internet Banking Service Agreement/Disclosure

Toll-free telephone support is available 24 hours a day, seven days a week at 1-866-900-6550. You may also contact customer service through "Contact Us" in the Message Center of Peoples Online or you may send an electronic mail to customer.support@peoplesnationalbank.com.  This is not a secure email. Do not include personal information such as account numbers, social security numbers or any personally identifiable information.  We generally respond to electronic mail within one business day of receipt. 

Please print a copy of this disclosure to retain for your records

Processing Days

Processing days are Monday through Friday except for federal holidays. Federal holidays are generally those ten holidays observed by the Federal Reserve Bank. Transactions initiated on Saturday, Sunday or any federal holiday will be processed by Peoples National Bank on the next business day.

Transfers

Transfers may be made between your Peoples National Bank accounts. All transfer relationships need to be setup by the bank prior to transfers being available. Our guaranteed processing cutoff time for transfers is 7pm CST.

Stop Payments

You can use the Stop Payment Service to place a stop payment request for any check written on the account. (You cannot use this method to stop payment on transactions you have requested through any of the Online Banking Services.) When a stop payment request is made via Peoples Online, this request shall be considered to be a written request and shall be effective for 6 months. Our guaranteed processing cutoff time for stop payments is 5pm CST. Stop Payments made after 5pm CST will be effective the next processing day. Standard stop payment fees apply to all Stop Payment Requests. 

Termination of Service

For security purposes, online banking access may be terminated after 6 months of inactivity.

Recommended Browsers

To properly display and provide the utmost security for your Peoples Online Internet Banking, the following browsers are recommended for usage:

  • Microsoft Internet Explorer
    Windows XP SP3 - Versions 7.0, 8.0
    Windows Vista - Versions 8.0, 9.0
    Windows 7- Version 8.0, 9.0
  • AOL Browsers
    Windows XP SP3 – Versions AOL 9.1, AOL Desktop for Windows 10.x
    Windows Vista – Versions AOL 9.1 AOL Desktop for Windows 10.x
    Mac OS X 10.5, 10.6 - AOL Desktop for Mac 1.5
  • Safari Browsers
    Windows XP SP3 – Versions 4.0 and higher
    Windows Vista - Versions 4.0 and higher
    Mac OS X 10.5 – Versions 4.0 and higher
    Mac OS X 10.6- Version 4.0 and higher
  • Firefox Browsers
    Windows XP SP3, Windows 7 & Vista – Versions 3.6.3 and higher
    Mac OS X 10.5, 10.6 – Versions 3.6.3 and higher
  • Camino Browsers
    Mac OS X 10.5 - Version 2.0
    Mac OS X 10.6- Version 2.0
  • Chrome Browsers
    Windows XP SP3, Windows 7 & Vista- Version 3.0 and higher

Maintenance Timeframes

From time to time, maintenance must be completed for Peoples Online. You may experience the inability to log into Peoples Online for Internet Banking maintenance on Sundays from 2am till 4am. Additionally, you may experience the inability to use Bill Payment on Thursdays from 1am till 3am. These timeframes are reserved for maintenance as needed.

Bill Payment Service Agreement/Disclosure

Toll-free telephone support is available 24 hours a day, seven days a week at 1-866-900-6550. You may also contact customer service through "Contact Us" in the Message Center of Peoples Online or you may send an electronic mail to customer.support@peoplesnationalbank.com. This is not a secure email. Do not include personal information such as account numbers, social security numbers or any personally identifiable information.  We generally respond to electronic mail within one business day of receipt.

Please print a copy of this disclosure to retain for your records

Fees

Our Bill Payment Service through Peoples Online is free if you make one Bill Payment per month. A $5.00 inactivity fee will be charged to your account if you do not pay at least one bill during the month. (waived the first 3 months after enrollment.) Peoples National Bank may change the above rates with at least 30 days prior notice.

Business Days

Business days are Monday through Friday except for federal holidays. Federal holidays are generally those ten holidays observed by the Federal Reserve Bank. Transactions initiated on Saturday, Sunday or any federal holiday will be processed by Peoples National Bank on the next business day.

Bill Payments

You may electronically schedule payments in any amount not less than $1, or exceeding $24,999 through this system to any payee that generates a bill or invoice to you and that has an address. You may not make a payment of alimony, child support, taxes or other governmental fees or court directed payments through the system.

Recommended Browsers

To properly display and provide the utmost security for your Peoples Online Internet Banking, the following browsers are recommended for usage:

  • Microsoft Internet Explorer
    Windows XP SP3 - Versions 7.0, 8.0
    Windows Vista - Versions 8.0, 9.0
    Windows 7- Versions 8.0, 9.0
  • AOL Browsers
    Windows XP SP3 – Versions AOL 9.1, AOL Desktop for Windows 10.x
    Windows Vista – Versions AOL 9.1 AOL Desktop for Windows 10.x
    Mac OS X 10.5, 10.6 - AOL Desktop for Mac 1.5
  • Safari Browsers
    Windows XP SP3 – Versions 4.0 and higher
    Windows Vista – Versions 4.0 and higher
    Mac OS X 10.5 – Versions 4.0 and higher
    Mac OS X 10.6 – Versions 4.0 and higher
    Firefox Browsers
    Windows XP SP3, Windows 7 & Vista – Versions 3.6.3 and higher
    Mac OS X 10.5, 10.6 – Versions 3.6.3 and higher
  • Camino Browsers
    Mac OS X 10.5 - Version 2.0
    Mac OS X 10.6- Version 2.0
  • Chrome Browsers
    Windows XP SP3, Windows 7 & Vista- Version 3.0 and higher

Maintenance Timeframes

From time to time, maintenance must be completed for Peoples Online. You may experience the inability to log into Peoples Online for Internet Banking maintenance on Sundays from 2am till 4am. Additionally, you may experience the inability to use Bill Payment on Thursdays from 1am till 3am. These timeframes are reserved for maintenance as needed.

User Terms and Conditions

  • User agrees to accurately follow product use instructions provided in the online help.
  • User agrees to schedule bill payments (payment transaction date) at least five business days before the due date, not including any grace period.
  • User agrees to provide correct payee name, address, account information and payment amounts.
  • User agrees to maintain sufficient funds in funding account on the transaction date required. Before a payment is processed, we verify the balance of the funding account, including any funds from your Overdraft Arrangement. If the user does not have sufficient funds in the account on the date the payment is scheduled, the payment may be delayed or cancelled.
  • User agrees to notify Peoples National Bank or its authorized agent no later than 60 days after User receives the first statement on which User believes a problem or error occurred.
  • User acknowledges that Peoples National Bank or its authorized agent may require up to 45 days to investigate a complaint or question. Peoples National Bank or its authorized agent will use all reasonable efforts to resolve an issue within 3 business days. If an issue is reported orally, the User may be required to send the complaint or question in writing within 10 business days. If Peoples National Bank or its authorized agent needs more time, they will credit the User's account within 10 business days for the amount the User believes is in error. If we ask the User to put the complaint or question in writing and we do not receive it within 10 business days, we may not credit the account. If we determine there was no error, we will send a written explanation within 3 business days after the investigation is finished.
  • This service may not be used to transmit alimony, child support or other courtdirected payments or tax payments.

Estatements Agreement/Disclosure

Toll-free telephone support is available 24 hours a day, seven days a week at 1-866-900-6550. You may also contact customer service through "Contact Us" in the Message Center of Peoples Online or you may send an electronic mail to customer.support@peoplesnationalbank.com. This is not a secure email. Do not include personal information such as account numbers, social security numbers or any personally identifiable information.  We generally respond to electronic mail within one business day of receipt.

Please print a copy of this disclosure to retain for your records

Peoples National Bank Online Service E-Sign Disclosure and Consent

This Online Service E-Sign Disclosure and Consent ("Disclosure") applies to all Communications for those products, services and accounts offered or accessible through the Peoples Online service, or a mobile application used to access the Peoples Online service, that are not otherwise governed by the terms or conditions of an electronic disclosure and consent.  Please note that consenting to receive Communications under this Disclosure will not automatically enroll you in Paperless Statements.  You will be given the option to receive Peoples National Bank eStatements for each eligible Account.  You will receive one more paper statement after electing to receive eStatements, and you will begin accruing a 24-month history of eStatements online.  For combined statements, the primary account must be activated to allow eStatements.  Your primary account is the first account presented on your combined statement.

The words "we," "us" and "our" mean Peoples National Bank, and the words "you" and "your" mean you, the individual who is identified on the Account as the owner or authorized signer on the Account(s) listed on the Customize Your Accounts screen. As used in this Agreement, "Account" means any account statement, authorization, agreement, disclosure, notice, or other information related to your Account including, but not limited to, information that we are required by law to provide in writing.

COMMUNICATIONS WE WILL PROVIDE TO YOU ELECTRONICALLY

You agree that we may provide you with any Communications relating to your Account(s) in electronic format, and that we may discontinue sending paper Communications to you.  We will only provide Communications to you electronically unless and until you withdraw your consent as described below.  Your consent to receive Communications electronically includes, but is not limited to:

  • account statements and related Communications;
  • notices or disclosures about a change or amendments in the terms of your Account(s) and
  • privacy policies and privacy statements.

HOW WE WILL PROVIDE COMMUNICATIONS ELECTRONICALLY

All Communications will be proviced to you electronically by one of the ollowing ways:

  • by Peoples Online message center or e-mail at the most current address we have on record;
  • by access to a Web site that we will identify in a Peoples Online message center message;
  • by e-mail notice we send to you at the time the information is available; or
  • to the extent permissible by law, by access to a Web site that we will idenify in advance for such purpose.  Youmay view the e-mai address we have on file within the Change E-mail Address screen found in the Customer Service tab.

HOW YOU CAN WITHDRAW CONSENT

You may withdraw your consent to receive Communications electronically for any of your Accounts by contactin us at 1-877-378-1909 or, for eStatements, by changing your Receive SeStatements preferences found iwthin your Peoples Online Change Statement Delivery Method screen.  We may treat an invalid e-mail address or the subsequent malfunction of a previously valid address as a withdrawal of your consent to receive electronic Communications.  We will not charge you a fee to process the withrdrawal of your consent.  If you withdraw your consent to receive electtronic Communications, the withdrawal will become effective only after we have a reasonable time to process your request.

If you close your primary account or uncheck Receive eStatements for your primary account, all Accounts included on that combined statement will revert to delivery of the Communications by the U.S. Postal Service. If you change an account's statement delivery method from "Online" to "Paper,"you will lose access to any statements previously delivered online. You may want to save your online statements before making this change.

HOW TO REMOVE CONSENT ONLINE

If you no longer wish to receive eStatements for your account(s), you may revert to paper statements in Peoples OnLine via one of these methods. 1 - Click on the Customer Service tab. Under the Account Maintenance menu, click on Change Statement Delivery Method, and choose "paper" from the drop-down menu. 2 - On the Statement Menu page, click on Change the Statement Delivery Method, and choose "paper" from the drop-down menu.

HOW YOU CAN UPDATE YOUR RECORDS

It is your responsibility to provide us with an accurate and complete e-mail address, contact, and other information related to this Disclosure and your Account(s). You must maintain and promptly update this information with any changes. You may update your e-mail address in the Customer Service tab of Peoples Online. (Please see "How We Will Provide Communications Electronically" above.) To update all other information, please use the secure message center located in Peoples Online or call us at 1-877-378-1909.

HARDWARE AND SOFTWARE REQUIREMENTS

In order to access, view, and retain electronic Disclosures, you must have:

  • a personal computer, operating system and telecommunications connections to the Internet capable of receiving, accessing, displaying and either printing or storing Disclosures you receive from us electronically via a plain text formatted e-mail;
  • by access to our Web site using one of the browsers specified below;
  • an internet browser that meets our minimum requirements; and
  • an e-mail account with an Internet service provider and the appropriate software.
  • Adobe  Reader  installed on your computer to allow you toview files in PDF.
  • a browser that supports the Secure Sockets Layer (SSL) protocol and 128-bit encryption.

To properly display and provide the utmost security for your Peoples Online Internet Banking, the following browsers are recommended for usage:

  • Microsoft Internet Explorer
    Windows XP SP3 - Versions 7.0, 8.0
    Windows Vista - Versions 8.0, 9.0
    Windows 7- Versions 8.0, 9.0
  • AOL Browsers
    Windows XP SP3 – Versions AOL 9.1, AOL Desktop for Windows 10.x
    Windows Vista – Versions AOL 9.1 AOL Desktop for Windows 10.x
    Mac OS X 10.5, 10.6 - AOL Desktop for Mac 1.5
  • Safari Browsers
    Windows XP SP3 – Versions 4.0 and higher
    Windows Vista – Versions 4.0 and higher
    Mac OS X 10.5 – Versions 4.0 and higher
    Mac OS X 10.6 – Versions 4.0 and higher
    Firefox Browsers
    Windows XP SP3, Windows 7 & Vista – Versions 3.6.3 and higher
    Mac OS X 10.5, 10.6 – Versions 3.6.3 and higher
  • Camino Browsers
    Mac OS X 10.5 - Version 2.0
    Mac OS X 10.6- Version 2.0
  • Chrome Browsers
    Windows XP SP3, Windows 7 & Vista- Version 3.0 and higher

HOW TO REQUEST PAPER COPIES

To request a paper copy, contact us at 1-877-378-1909. You may incur a service charge for the delivery of paper copies of any Communications provided to you electronically pursuant to your authorization. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication. We will not send you a paper copy of any Communication unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of a Communication provided to you electronically either by printing it yourself or by requesting that we mail you a paper copy. Such request must be made no later than seven years after we first provided the Communication to you electronically.

DISCLOSURES IN WRITING

All Communications we provide to you, regardless of the format, will be considered "in writing." You should print or download for your records a copy of this Disclsure and any other Communications you consider important.

APPLICATION OF FEDERAL LAW

You acknowledge and agree that your consent to receive Communications electronically is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act ("Act"), and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

TERMINATION/CHANGES

We reserve the right, at our sole discretion, to discontinue providing Communications to you electronically, or to change or terminate the terms and conditions under which we provide Communications electronically. We will provide you with notice of any such termination or change as required by law.

Electronic Fund Transfers - Your Rights & Responsibilities

Please read this disclosure carefully because it tells you your rights and obligations for these transactions. You should keep this notice for future reference.

TRANSACTION TYPES AND LIMITATIONS

Internet Banking Transactions

Access your accounts 24 hours a day, seven days a week, using your User ID and Password to:

  • pay bills (recurring or otherwise) from your checking account in the amount and on the days you request to third parties.
  • to transfer funds between checking and savings accounts
  • to transfer funds from your home equity line of credit to your checking or savings account
  • to make payments from checking or savings to loan accounts with us

Get information about:

  • account balance and transactional information on your checking or savings accounts
  • account balance information on your CD, IRA or loan accounts
  • activity statement on your checking or savings accounts
  • deposits posted to your checking or savings accounts
  • checks written that have cleared your checking account
  • withdrawal from your savings account
  • pending bill payments not yet cleared

Limitations on Frequency of Transfers

Transfers from a money market deposit account or a savings account to another account or to third parties by preauthorized, automatic transfer, telephone transfer, computer transfer, or by check, debit card or similar order to a third party are limited to six per month or statement cycle.

Limitations on Withdrawals

You cannot exceed the maximum bank limit of $24,999 in bill payments paid per day. l Funds transferred after 7:00 p.m. CST may be processed the following day. Before transferring, verify available funds in your account. Please verify "transfer on date" before submitting your transfer.

FEES

  • Direct deposits to any type of account are free.
  • The right to access your accounts through Peoples Online Internet Banking is free.
  • Our Bill Payment Service through Peoples Online is free if you make one Bill Payment per month. A $5.00 inactivity fee will be charged to your account if you do not pay at least one bill during the month. (waived the first 3 months after enrollment.) Peoples National Bank may change the above rates with at least 30 days prior notice.

FINANCIAL INSTITUTION'S LIABILITY

Liability for failure to make transfers

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. However, there are some exceptions. 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 transfer would go over the credit limit on your overdraft line.
  • If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
  • If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
  • There may be other exceptions stated in our agreement with you.

CONFIDENTIALITY

We may disclose information to third parties about your account or the transfers you make:

  • Where it is necessary for completing transfers; or
  • In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
  • In order to comply with government agency or court orders; or
  • If you give us written permission.

UNAUTHORIZED TRANSFERS

Consumer Liability

  • 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 will extend the time periods.

Contact in event of unauthorized transfer

If you believe your card and/or code 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 in this disclosure.

ERROR RESOLUTION NOTICE

In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed in this disclosure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

  • Tell us your name and account number (if any).
  • 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.
  • Tell us the dollar amount of the suspected error.
  • If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
  • We will tell you the results of our investigation within 10 business days 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 for new accounts, point-of-sale or foreign-initiated transfers) 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. For new accounts, we make take up to 20 business days to credit your account for the amount you think is in error. 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. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

PEOPLES NATIONAL BANK OPERATIONS DEPARTMENT
520. S. 42nd STREET
MT. VERNON, ILLINOIS 62864
Business Days: Monday through Friday - Excluding Federal Holidays
Phone: 618-241-6500

MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST