Internet Banking Agreement & Disclosure
Please read this agreement carefully before following the link at the bottom of this page.
This Online Banking Agreement and Disclosure governs your use of Online Banking. Throughout this web site the Agreement and Disclosure will be referred to as "Agreement." By using Online Banking, you agree to all of the terms of this Agreement. Please read it carefully and keep a copy for your records.
You or Your - The person(s) subscribing to or using Online Banking.
We, Us, or Our - Refers to Talmer Bank and Trust and any agent, independent contractor, designee, or assignee Talmer Bank and Trust may involve in the provision of Online Banking.
Business Day - Any calendar day other than Sunday, or any holidays recognized by Talmer Bank and Trust. Bill payments are processed on all business days that both the Federal Reserve Bank and the US Postal System are operating and open for business.
Business Day Cut-Off - Talmer Bank and Trust's Internet Processing Center is located in Brookfield, Wisconsin, and we base our business day on the Eastern Time zone. For posting purposes, the bank will process all transactions completed by 5:00PM on that business date. Transactions completed after 5:00PM, including transfers, will be processed on the following business day.
Privacy Statement - Talmer Bank and Trust understands how important privacy is to our customers. We have taken steps to insure your security and privacy for your personal and financial dealings with the bank. Our customer privacy statement can be obtained by clicking on the following link - Privacy Statement.
About Online Banking
Your Talmer Bank and Trust's Online Banking consists of an online banking website that provides a complete array of financial services to its customers 24 hours a day, 7 days a week. Talmer Bank and Trust allows customers to access their data with up to 12 months of full statements and complete transaction detail.
The Online Banking system that is accessible by Talmer Bank and Trust customers currently consists of:
- Account Inquiries, Balances, Rates, etc.
- Up to 12 Months of Historical Transactions
- File Transfers
- Transaction Downloads
- Account Transfers
- Check Images
- View Detailed Transactions
- Text DDA or Savings Statements
- Various Bookkeeping Services
- Payments to our Loan Accounts
For customers who select Bill Payment, payments may be scheduled as follows:
- On Demand
* Note: All choices other than On Demand will be automatic recurring payments.
- Transfer funds using Popmoney® to individuals (available through personal online banking only.) Popmoney® and the Popmoney logo are registered trademarks of CashEdge, a division of Fiserv.
Online Security Information
Talmer Bank and Trust's Online Banking system is part of the Fiserv network that utilizes a comprehensive security strategy to protect your accounts and transactions conducted over the Internet. In-depth information on many of the techniques and features employed by the system can be viewed or printed from our website where the system's consumer or commercial features are explained under the link for "Security." In addition to our log-on security, we use the SSL (secure socket layer) encryption technology for everything you do in the Online Banking system. This technology is automatically activated by your browser when it attempts to connect to our system and it will support either the 40 or 128 bit key lengths, although we will warn you when your browser is set to use the lower security level encryption of 40 bits. Whenever SSL is securing your communications, the browser will typically indicate the "secure session" by changing the appearance of a small icon of a padlock 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. In addition, our servers have been certified by a "Certificate Authority" that will assure you that you are actually talking to our servers instead of someone pretending to be us. (If you are using an older browser, such as anything prior to versions 4.7 on Netscape or Internet Explorer, the "Certificate Authorities" key may be expired and you may need to update it on your browser. You can obtain instructions on how to do this by clicking on the 3x Browser SSL Update link located here or above the "Enter" icon on the Online Banking system login page.)
During your use of the Online Banking system, we will pass a "cookie" to your browser for identifying you during the session. We do not (and can not) use our cookies to obtain new information about you. A "cookie" is security data that is given to a browser by a web server that is 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 Access ID and Password for each individual transaction. When you log off, or after ten minutes, the cookie is no longer accepted and must be renewed by requiring the Password to be reentered. A new cookie is used for each session. That way, no one can use the cookie to access your account.
In addition to the security measures described above, there may be other security notices posted on the website regarding security issues. It is your responsibility to read all applicable notices. One of the main security features guarding the use of the Online Banking system is the unique combination of your Access ID and Password. It is important that you keep your Password secret. We will not be liable for any losses resulting from your permitting other persons to use your Access ID and Password to access the system.
If you have more questions about our security systems for conducting transactions safely over the Internet, contact our Online Banking Department.
The Online Banking service requires that the customer complete the initial registration process. This involves completing an online application that will identify your Talmer Bank and Trust location and all the information that we will need to enable the service. The Online Banking Department will verify the information you submitted for accuracy and authorizations. Within 1 business day of receiving your application you will be notified that your account has been activated.
Security is very important to the Online Banking system. At the time you request the service, you will select an Access ID and a security question and answer. Prior to activation, the Online Banking Department will verify your identity and authorization to information associated with the accounts that you requested to have access to through the service. You will then receive a temporary password via email.
To help prevent unauthorized access and ensure the security of your accounts, we will end your online session if we have detected no activity for 10 minutes. This is to protect you in case you accidentally leave your computer unattended after you logged on. When you return to your computer, you will be prompted to re-enter your Password and your session will continue where you left off.
Because your Password is used to access your accounts, you should treat it as you would any other sensitive personal data. You should carefully select a Password that is hard to guess. Keep your Password safe. Memorize your Password and never tell it to anyone. You may consider changing your Password occasionally, such as every 90 days. This can be done at any time after you have logged on from the options menu.
You may access any account on which you are a signer or owner providing those accounts are all in the same portfolio at Talmer Bank and Trust. If you desire services that allow you to initiate payments or transfers from the account, you will need the required withdrawal authority over the account to be able to complete the transaction. By using the service, you agree to maintain one or more accounts with us and to keep sufficient balances in any account to cover any transaction and fees that are ultimately approved by or related to the system. If the accounts are jointly held or have multiple signers, you agree that access to the information and all transactions initiated by the use of your Access ID and Password are authorized unless we have been notified to cancel the service.
Fees for the Online Banking Service
The Online Banking service is available to our customers at no monthly charge for all of the account information services, transfers, and bill payments. The bill payment feature is an optional service for checking accounts. You must specifically request to have this service. There is a $0.50 fee per transaction when sending money with Popmoney.
Cancellation of Online Banking
Your Online Banking access may be canceled at any time by Talmer Bank and Trust without prior notice. You will remain responsible for all transactions approved by the system prior to the cancellation. After cancellation, service may be reinstated if circumstances negate. In order to reinstate services, you must call the Online Banking Department listed below in the Errors and Questions section.
If account access remains inactive for 120 days, your online account will be deactivated. You will need to call the Online Banking Department for re-activation.
Balance Inquiries, Bill Payments, and Transfers Limitations
You may use Online Banking to check the balance of your accounts and to transfer funds among your accounts. According to Federal regulations, you may not make more than six (6) pre-authorized or automatic transfers or bill payments from your Money Market Deposit Account or Savings Account during a given monthly statement period. There are no limits to the number of transfers you make from your checking accounts. Talmer Bank and Trust currently limits the bill payment service to Checking Accounts only. However, any payments that are sent out by paper check will count toward your total number of checks written in the statement period.
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 progress, outstanding checks or other withdrawals, payments or charges. A transfer request may not result in immediate availability because of the time required to process the request. If you have further questions, contact the Online Banking Department.
The balances are updated each business day and the system will display the most current "as of" date on the current day transactions tab. There may be situations that cause a delay in an update of your balances. The system will use the most current balance available at the time of a transaction to base our approval.
Special Information about the Stop Payment requests. Generally, requests received through the system will be processed within one business day using procedures that would be used to handle similar requests received by mail or fax. If urgent action is required, we recommend that you contact Talmer Bank and Trust directly by telephone or in person. Additional terms of acceptance or disclosures may apply on the Stop Payment service and these terms will be disclosed at the time you complete the request. The Stop Payment feature is designed to submit a request to stop payment on checks you have written .There may be additional fees associated with some of these services. This service is not available to cancel the payments scheduled through the bill payment service. If you have a problem or need to cancel a bill payment, you will need to contact the Online Banking Department .
Bill Payment Service
You can enroll in our bill payment service using our Online Banking enrollment form by placing a check mark in the "Bill Pay" column next to the checking account(s) you want to use with the service.
It is easy to pay bills online. Simply set up your Payees by clicking on the payments tab and entering the necessary information to schedule a payment. We are able to process payments to payees that have a US Postal address. The Bill Payment service will also allow you to see a history of all the payments made from your accounts.
The payments you schedule will be debited from your account the following business day of the scheduled date if the payment is being sent out electronically. If the payment is being sent out as a paper check, it will debit your account once the check has been cashed by the payee and clears the bank.
If at the time your account is debited for the payments, there are not sufficient funds, the payment may be returned and not credited to the payee and you will be charged an NSF fee from us and possibly from your payee. Also, your online bill payment access will be suspended for five business days.
Although payments may be scheduled for the current business day or any date in the future at any time, they will only be processed once a day at our cut-off time, usually around 5:00PM ET on any business day. (If you attempt to schedule a payment for that day after 5:00PM ET, the system will automatically change the date to the following business day). Anything scheduled on a non-business day, or after the cut-off time, will not be sent out until the following business day. Since we must forward the funds and billing information to the payee, some lead-time for payments is necessary. In general, the system will attempt to tell you if the payment went electronically or as a paper check. The estimated payment arrival date is 2 business days for electronic payments and 5 to 7 business days for paper checks. By using this service, you authorize us, and any third-party payment-processing agent we may use, to choose whatever method we feel is the most effective method to process your transaction.
If your bill payment account has not been used for 90 days, it will be deactivated.
Our Liability for Incomplete Transactions
It is our responsibility to process all bill payments properly initiated through the Online Banking system in accordance with this Agreement. We will be liable for damages, as defined in this Agreement, where the system caused a payment delay or failed to process a payment to be received by the payee/vendor by the tenth business day following the date your account was charged for the payment. Transfers will be processed within one business day of the completed transfer transaction. We will not be liable if any of the following occurs:
- Funds are not available at the time the payment is presented to debit your account, or if there are not sufficient funds available when scheduling a transfer.
- Funds are subject to legal process or other encumbrances restricting the payment or transfer.
- You had knowledge of or questions about the possible malfunction of the system when you initiated the transaction.
- Any information provided by you about the Payee is incorrect.
- There are any delays in the handling of the payment by the Payees.
- Natural disasters (fire, flood, tornado, etc.) or other uncontrollable circumstances (mail delays, power failures, etc.) prevent proper completion and delivery of transactions.
- Other applicable laws and/or regulations exempt us from liability.
- It can be shown that the merchant or payee received the payment within the normal delivery time frame and failed to process the payment through no fault of Online Banking or our service providers.
- It can be shown that the delay was caused by unusual mailing delays by the US Post Office.
Notice of Your Rights and Liabilities
Notify us immediately if your Access ID and Password have been compromised, lost, stolen, or used without your authorization Failure to notify us immediately could result in the loss of all money accessible by the Password. Telephoning us at the number listed below in the Errors and Questions section is the best way of limiting your possible loss. You could lose all the money in your account (plus your maximum overdraft line of credit, if you have one).
Errors and Questions
In the event of errors or questions concerning transactions completed with Online Banking, do one of the following, as soon as possible:
- Telephone the Online Banking Department toll-free at 800.456.1500.
- Write to the Online Banking Department at 2301 West Big Beaver Road, Troy, MI 48084; or
- Initiate a payment inquiry on your PC through e-mail to firstname.lastname@example.org
We must hear from you within 60 days after you receive the first statement or notification in which the error or problem appeared. Please include the following information:
- Account Number and your Access ID (not your Password)
- Description of the error or what you are unsure about, plus an explanation of why you believe it is an error or why you need more information.
- Tell us the amount of the error.
- For a Bill Payer error, please have ready the following information and then call our bill payment support line at 1-888-817-8308
- Checking account number used to pay the bill
- Payee name
- Date the payment was sent
- Confirmation number
- Payment amount
- Payee account number for the payment in question.
We will tell you the results of our investigation within ten (10) business days after we hear from you (20 business days if the transaction involved a new account). If we need more time we may take up to 45 business days to investigate (90 business days if the transaction involved a new account). If we choose to take up to 45 business days, we will give you a provisional credit to your account within ten (10) business days (20 business days if the transaction involved a new 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 was opened. If we decide there was no error, we will furnish you with a written explanation within three (3) business days after the investigation is complete.
Disclosure of Account Information to Third Parties
Information to third parties about your account(s) or the transaction(s) you make will only be disclosed if at least one of the following applies:
- It is necessary to complete a transaction.
- To verify the existence and condition of your account to a third party such as a credit bureau or merchant.
- To comply with a governmental agency or court order.
- If permission is given to us by you, which we may require to be in writing.
- To collect information for internal use, the use of our service providers, and our servicing agents and contractors concerning our electronic funds transfer service.
- It involves a claim by or against us concerning a deposit to or withdrawal from your account.
- Where otherwise required or permitted under state or federal laws and/or regulations
When any payment or other on-line service generates items to be charged to your account, you agree that we may debit the designated account, or the account on which the item is drawn, without requiring your signature on the item and without any notice to you.
Talmer Bank and Trust is not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their PC and diskettes using a reliable virus product to detect and remove any viruses. Undetected or un-repaired viruses may corrupt and destroy your programs, files and even your hardware. Additionally, you may unintentionally transmit the virus to other computers.
Wide Text Statements and other Special Printing Instructions
For certain accounts, our statement format may be wider than your browser's default printer setting support and may not automatically print correctly or cut off the right-hand side of the page. Our "help" section will explain how to change the browser's printer settings to show the entire statement. Additionally, many of our pages actually contain several areas of information. To print the section that you want, you may want to click once in the area with the left mouse button to let the browser know which "frame" section you want to print.
Talmer Bank and Trust in writing by mail, e-mail, or personal delivery to Talmer Bank and Trust. If your account is closed or restricted for any reason, Online Banking accessibility will automatically terminate.
This Agreement shall be governed by and construed in accordance with the laws of the State of Michigan .
This Agreement may not be assigned to any other party by you. We may assign or delegate, in part or whole, to any third party.
Ownership of Material
Talmer Bank and Trust is a member of the Fiserv network and Talmer Bank and Trust's Online Banking is a product of Fiserv.
Terms and conditions of this agreement may be amended in whole or part at any time within 30 days written notification prior to the change taking effect. If you do not agree with the change(s), you must notify us in writing prior to the effective date to cancel your access. Amendments or changes to term(s) or condition(s) may be made without prior notice if it does not result in higher fees, more restrictive service use, or increased liability to you.
This Agreement supplements any other agreements or disclosures related to your account(s), including the Deposit Account Agreement and Disclosures. If there is a conflict between this Agreement and any others, or any statements made by employees or agents, this agreement shall supersede.