Transmission of confidential business and sensitive personal information
is at your sole risk for access by third parties.
The Bank reserves the right to monitor and review transmissions online
and in storage, and to remove or reject any material that the Bank, in
its sole discretion, believes may be unlawful or objectionable, without
prior notice to you.
The policy of United
Community Bank about gathering and using
customer information provided by you, by using these
services, is posted on our Web site and may be amended from
time to time. By use of the services
you agree to the policy
Limitations and Liabilities:
United Community Bank and its suppliers make no warranties
or representations of any kind with respect to the Online Banking Services,
whether express or implied, including but not limited to merchantability
or fitness for particular purpose and neither the Bank nor the Bank’s
suppliers nor anyone else who has been involved in the creation, production
or delivery of the Online Banking Services assumes any responsibilities
with respect to your use thereof. No oral or written information or advice
given by the Bank, the Bank’s suppliers, or any of the Bank’s
agents or employees shall create or increase the scope of a warranty
or in any way decrease this limitation, and you may not rely on any such
information or advice.
You explicitly agree that any liability of
United Community Bank arising from the provision of Online
Banking Services is limited
to the fee you paid the Bank for the transaction which
gave rise to the alleged liability. You expressly waive any
claims for additional, consequential,
incidental, compensatory or punitive damages and agree
that the damage provisions set forth herein are commercially
reasonable in light of the
value of such Online Banking Services (including the
possibility that the fees you paid hereunder may not be sufficient
to fully compensate
for all losses, but such fees are in an amount as to
make it unfeasible for us to be responsible for greater damages).
Any cause of action concerning the Online Banking Services under this
agreement must be commenced within one year after such cause of action
has occurred and be filed in the Circuit Court of the State of Illinois.
Fees and Charges
United
Community Bank will provide this service at no
charge. We will not change these rates without at least
30 days prior notice.
Security Procedures
Standard security Log On procedures are to request your Online
Banking access ID Code and password. You may change your password at
anytime while online. You agree that any use of the Online Banking
Services indicates your acceptance of the Bank’s security procedures.
You agree that any request acted upon in good faith by the Bank in
compliance with these security procedures, whether or not authorized
by you, shall be treated as your authorized request.
Recording and Records
You authorize the Bank to record electronic transmissions between
the Bank and you, or any person acting on your behalf, to keep those
records as long as we consider it necessary. If the Bank’s records
about a payment are different than your records, our records will govern.
The Bank’s records include written or electronic records, recordings,
including, but not limited to any payment instructions received by
the Bank.
Error Resolution Notice
In case of errors or questions about your electronic
transfers, call or write us at the telephone number or
address listed below, 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 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 determine whether an error
occurred within 10 business days (5 business days
for United Community Bank 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 United
Community Bank 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 three 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.
UNITED COMMUNITY BANK
BOOKKEEPING
106 SOUTH OAKWOOD STREET, P.O. BOX 159
OAKWOOD, ILLINOIS 61858
Business Days: Monday through
Saturday
Excluding Federal Holidays
Phone: (217) 354-2161
For lost or stolen card 1-800-554-8969
MORE DETAILED
INFORMATION IS AVAILABLE ON REQUEST
Governing Law
This agreement shall be governed by the law of the State of Illinois
and where applicable by federal law.
Privacy Statement
This Statement is a privacy notice to you, our customer.
United Community Bank respects the privacy expectations and
rights of its customers regarding financial business.
United Community Bank collects, retains, and uses information
about individual customers only when we believe it would be useful (and
allowed by law) in administering our business and to provide products,
services, and other opportunities to customers. This information is obtained
from application information, transaction information and consumer report
information.
United Community Bank will use a customer’s personally
identifying information in our normal course of business. Personal information
will not be sold or distributed to other parties for marketing purposes.
United Community Bank does not disclose any nonpublic personal
information about our customers or former customers except as permitted
by law.
We restrict access to nonpublic personal information about you to those
employees who need to know that information to provide products or services
to you. We maintain physical, electronic, and procedural safeguards that
comply with bank regulations to guard your nonpublic personal information.
Definition of Nonpublic Personal Information:
Nonpublic Personal Information means information about you that we collect
in connection with providing a financial product or service s to you.
Nonpublic personal information does not include information that is available
from public sources, such as telephone directories or government records.
This disclosure applies to all customers who have a continuing relationship
with us, such as:
