The Carver State Bank Online Banking Service is available to all of
our customers at no monthly charge for the account information and transfer
services. The Bill Payment feature is an optional service for checking
accounts. You must specifically request this service on the Enrollment
Form. If you do not choose the Bill Payment service at this time, you may
add it at any time by sending us authorization through the mail or by calling
us at (912) 233-9971.
General Information: This Online Banking Terms and Conditions Agreement
is a contract between you and Carver State Bank, that outlines and governs
the Terms an Conditions for accessing your personal accounts via Carver State
Bank’s Online Banking service. This Agreement explains the terms
and conditions which govern the following Online Banking Services:
- Account and Balance Inquiries
- Account Transfers
- Transaction Downloads
Bill Pay Transfer:
This Agreement also includes and incorporates the disclosures
required by the Electronic Fund Transfers Act (15 USC 1693 et seq.) This
Agreement applies only to the Carver State Bank Online Banking Service.
Other electronic funds transfers to or from your accounts at Carver State
Bank are governed by the Electronic Fund Transfer Disclosure provided to
you when you established your account or when you requested other electronic
funds transfer services.
In order to use Carver State Bank’s Online Banking service, you must
accept these terms and conditions. By clicking on the “I Agree” button
at the end of this Agreement, you agree to abide by all the terms and conditions
of this Agreement and acknowledge your receipt and understanding of this
Agreement. Please read this Agreement carefully and print a copy for your
records. This agreement is governed by federal laws and regulations and,
to the extend not preempted by federal laws and regulations of the State
Some of the terms set forth in this Agreement, as specified
in this Agreement apply only to Consumer Accounts. A “Consumer Account” is
an account held by a natural and is used primarily for personal, family,
or household purposes.
Business Days: The term “Business Day” means Monday through Friday,
excluding federal banking holidays.
Accessing Your Accounts, Security and Your Responsibilities
Password and Login Security:
Security is very important to Carver State Bank.
In order to activate your Online Banking service, you must have at least
one checking, savings, certificate of deposit, or loan account with Carver
State Bank. When you login to the service for the first time, you will use
your Access Code and your temporary password which will be issued to you
when we receive your Enrollment Form. You will then be prompted to choose
a new password. 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 any one. You should not, under
any circumstances disclose your password by telephone, or to any one claiming
to represent Carver State Bank. Bank employees do not need and should not
ask for your password.
Carver State Bank is entitled to act on instructions received through Online
Banking under your password and without inquiring into the identity of the person
using that password. Any person having access to your Carver State Bank Online
Banking password will be able to access the Online Banking services and perform
all transactions, including reviewing account information and making transfers
to other accounts which have mutual ownership. You are liable for all transactions
made by persons authorized to use your password.
If, despite the Bank’s advice, you give your password to any one, you do
so at your own risk, since any one to whom you give your password or other means
of access will have full access to your account(s) even if you attempt to limit
that person’s authority.
Once you log in as a first time user: you will be required to change the initial
access ID and password and select an access ID and password known only to you.
- The Access ID you select may be any combination of alpha/numeric
characters, from six (6) to sixteen (16) digits.
- The password criteria is as follows:
- Minimum password length is 6
- Maximum password length is 16
- Passwords are case-sensitive (must be entered exactly as inputted
with upper and/or lower case characters).
- Passwords can be changed at any time by the accountholder,
and by any other person to whom the accountholder provides the password,
through the Carver State Bank Online Banking Service.
If you suspect that an unauthorized person has access to your password
or believe your password has been lost or stolen, or that someone may attempt
to use the service without your consent, or has transferred funds without
your permission, you must notify Carver State Bank immediately. See Part
VI of this Agreement for additional information relating to liability for
unauthorized transactions and error resolutions.
Your session time is unlimited, but 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 15 minutes. This is to protect you in case you accidentally leave
your computer unattended after you log in. When you return to your computer,
you will be prompted to re-enter your password and your session will continue.
Your Rights and Responsibilities: In addition to this Agreement, you agree to
be bound by and comply with the Account Agreement and Account Disclosure, the
rules and regulations of the electronic transfer system, and state and federal
laws and regulations. You, the consumer, are responsible for keeping your online
password and account data confidential. We are entitled to act on transaction
instructions received using your password, and you agree that the use of your
password will have the same effect as your signature, authorizing the transaction(s).
If you authorize other persons to use your password in any manner, your authorization
will be considered unlimited in amount and manner until you have notified us
in writing, that you have revoked the authorization, changed your password, and
that you are responsible for any transactions made by such persons until such
time as we receive and have time to act upon the notification that transfers
by that person, or instructions regarding your accounts, are no longer authorize.
Online Services and Limitations
Available Services: You may use your personal computer to
- View account balances and transaction history;
- Transfer funds from your Carver State Bank checking and savings
- Other Carver State Bank checking and savings accounts that
belong to you;
- Loan accounts
- Establish automatic transfers from one of your Carver State
Bank accounts to another
- (from checking and savings to checking, savings or loans);
- Through Options at Online Bill Payment, pay bills to any merchant,
institution, or individual with a U. S. mailing address; and
- Communicate directly with Carver State Bank via e-mail.
Other services may be added to Carver State Bank’s Online Banking
service and will be communicated to our customers as the additions are
Hours of Accessibility: You may access Carver State Bank’s Online Banking
service seven days a week, 24 hours per day. Necessary system maintenance
will be scheduled for hours during which system traffic is normally at a
minimum. If the system is unavailable due to an unanticipated problem, you
may use the automated telephone voice response system (Telebanc), or one
of our ATM machines during regular business hours, to conduct transactions.
Balance and Transaction Information: Account balances and activity is current
information. Funds transferred between related accounts initiated on your
computer using Carver State Bank Online banking and received by the bank
before 2:00 p.m. EST on a Business Day will be effective on that Business
Day, or on any non-Business Day, will be effective the following Business
Unavailable, Delayed, or Inaccurate Account Information: We strive to provide
complete, accurate and timely account information through Carver State Bank
Online Banking; However, unless otherwise required by aw, we will not be
liable to you if any such information is unavailable, delayed or inaccurate.
With respect to electronic funds transfers, the extent of our liability is
described in Part VI of this Agreement.
Limits on Frequency and Amount of Transfers: Federal regulations require
us to limit either by contract or in practice the number of certain types
of transfers from Money Market deposit accounts and savings accounts. Under
these regulations, you are limited to six (6) pre-authorized electronic funds
transfers each month, including telephone transfers, Online Bill Payment,
checks, and point-of-sale transactions. Of these transactions, you are limited
to no more than three transactions per month by check or point-of-sale. Payments
to your Carver State Bank loan accounts are not counted toward this limit.
Subject to availability of funds in your designated accounts.
Service Cancellation: Carver State Bank reserves the right to cancel your
online service at any time without notice due to insufficient funds one or
more of your accounts. After cancellation, service may be reinstated at the
discretion of the bank provided that funds are available to cover the cost
of any fees and/or pending transfers. To reinstate your service, contact
one of our Customer Service Representatives at (912) 233-9971.
If you wish to cancel your Carver State Bank Online Banking services, please
contact one of our Customer Service Representatives or send us cancellation
instructions in writing, to: Carver State Bank, Attention: Customer Service,
P. O. Box 2769, Savannah, GA 31402.