Personal Internet Banking
the Personal Internet Banking Application, the Customer of Reliance
Bank FSB(referred to as you or yours) agrees to the following
terms and conditions of enrollment in the Internet banking network maintained
by Reliance Bank FSB:
- The following services
will be available:
may be available from time to time in the future. By using these services
as they become available, you agree to be bound by the terms and conditions
contained in the Agreement. Notification of the availability of these
services will be sent to you at the address shown in our records or
posted on Reliance Bank FSB's web site www.reliancebankfsb.com.
- View check images
and deposit slips
- Balance inquiry
- Transfer of funds
- Account history
- Email to Reliance
- Ability to export
- Bill payment
- Online stop payments
- You will allow Reliance
Bank FSB a reasonable time in which to complete your enrollment once
you submit the necessary forms, including the Enrollment Form and Internet
Banking Resolution form. You will also allow Reliance Bank FSB
a reasonable time in which to process any service requests you make
through the Internet banking network.
- Once you have completed
the Personal Internet Banking Application and you have selected a password
for access to the Internet banking network, you will be solely responsible
for the use of the Internet banking system by anyone who utilizes your
correct password. Reliance Bank FSB will have no duty to further
verify the identity of any Internet banking system user with a valid
password. Reliance Bank FSB will act on instructions received
under your password.
- As the appropriate
authorized representative of the Customer of Reliance Bank FSB, you
are solely responsible for maintaining the addition or deletion of any
users of the Internet banking system with access to your password.
We suggest you change your password prior to deleting any users.
- Reliance Bank FSB
has the right to monitor and review all banking activity conducted on
its Internet banking system.
- You will be responsible
for any service charges accrued in your use, or use by any user with
access to your password. These service charges will be automatically
debited from your account. A schedule of Internet banking service
charges is available at any branch.
- Reliance Bank FSB
reserves the right to change the charges, fees or other terms or conditions
set forth in the Agreement. When changes are made to any fees, charges
or other material terms, we will update this Agreement and send notice
to you at the address shown in our records.
- You agree that
neither Reliance Bank FSB nor any Internet service providers you utilize
to access Reliance Bank FSB's Internet banking network shall be responsible
for any loss, property damage or bodily injury, whether caused by the
equipment, software, Reliance Bank FSB, or Internet browser or Internet
access providers. Nor shall Reliance Bank FSB or any service provider
be responsible for any direct, indirect, special or consequential, economic
or other damages arising out of your use of Reliance Bank FSB's Internet
- You agree that
Reliance Bank FSB is not responsible for any damage occasioned by instructions
Reliance Bank FSB receives from a user using your correct password.
You authorize Reliance Bank FSB to act on all instructions received
under your password and to automatically debit any service charges directly
from your account balance as accrued. You also agree to be liable
for any account shortage resulting from charges or overdrafts, whether
caused by you or a user with your correct password. This includes
liability for Reliance Bank FSB's costs to collect the deficit, including
reasonable attorney's fees.
- Reliance Bank FSB
reserves the right to discontinue the Internet banking network, or any
of the services referenced in paragraph 1, at any time.
- This Agreement
will be governed by and interpreted in accordance with federal law and
regulation, and to the extent no such applicable federal law or regulation
exists, by the laws of the State of Florida.
- Each of your accounts
at Reliance Bank FSB is also governed by the applicable account disclosure
Bill Payment Agreement
to the Reliance Bank FSB Bill Payment Service (the Service) through
the Personal Internet Banking Application, the Customer of Reliance
Bank FSB (referred to as you or yours) agrees to the following
terms and conditions:
- The terms in this
Agreement are in addition to (a) the terms of any deposit account agreements
you have with the Bank, including your signature card, the packet containing
the terms of your accounts, the accompanying schedules and any change
of terms notices, and (b) the terms of any credit agreements you have
with the Bank or with an affiliated bank, including any disclosures
made pursuant to such agreements.
- The Bank does not
immediately receive electronic messages that you send. If you
need to contact the Bank immediately (for example, if you need to report
an unauthorized transaction from an account), please call 239.768.4550.
The Bank will not take action based on your electronic messages until
the Bank actually receives your message and has reasonable time to act.
- The Bank reserves
the right to limit the frequency and dollar amount of transactions from
your accounts for security reasons.
- An account that
requires two or more signatures to make withdrawals may not be designated
as a Payment Account. If you later change a Payment Account to
require two or more signatures, you agree not to use that account to
make payments and you agree to notify the Bank of the change.
When you use the Bill Payment service, you agree that the Bank may debit
a Payment Account to pay checks that you have not signed. You
authorize the Service to credit your Payment Account for payments returned
to the Service by the payee, or payments remitted to you on behalf of
another authorized user of the Service.
- Automatic recurring
payments must be for the same amount each month and they will be paid
on the same calendar day of each month, each payment period. If
the regular payment day falls on a weekend or holiday, it will be paid
on the preceding business day.
- When you have entered
and transmitted a payment instruction, you authorize the Bank to reduce
the Payment Account accordingly. If there are insufficient funds
in the Payment Account to make payments you have authorized, the Bank
may elect to: 1) refuse to make the payment or 2) make the payment and
thereby overdraw the Payment Account. In either event, you are
responsible for any non-sufficient funds (NSF) or overdraft charges
the Bank may impose, as stated in the Deposit Agreements. The
Bank reserves the right to refuse to honor payment instructions that
reasonably appear to the Bank to be fraudulent or erroneous. In
order to process payments more efficiently and effectively, the Service
may edit or alter payment data or data formats in accordance with payee
- Customer transactions
made through the Service may access your Overdraft Defender checking
service and result in additional fees being incurred. (Only applicable
to customers subscribing to the Overdraft Defender checking service.)
- It is your responsibility
to schedule your bill payments in such a manner that your bills will
be paid on time. The earliest possible scheduled payment date
for each payee (typically four (4) or fewer business days from the current
date) will be designated within the application when you are scheduling
the payment. Therefore, the application will not permit you to
select a scheduled payment date less than the earliest possible scheduled
payment date designated for each payee. When scheduling payments,
you must select a scheduled payment date that is no later than the actual
due date reflected on your payee statement unless the due date falls
on a non-business date, you must select a scheduled payment date that
is at least one (1) business day before the actual due date. Scheduled
payment dates should be prior to any late date or grace period.
You are responsible for any late payment or finance charges that may
be imposed as a result of your failure to transmit payment instructions
in accordance with this Agreement. Payment instructions received
by the Bank on weekends or holidays will be considered received on the
next business day.
- Due to circumstances
beyond the control of the Service, particularly delays in handling and
posting payments by payees of financial institutions, some transactions
may take longer to be credited to your payee account. The Service
will bear responsibility for any late payment related charges should
a payment post after its due date as long as the payment was scheduled
in accordance with the guidelines outlined above.
- Your ability to
make payments from certain accounts is limited by federal law, as stated
in the Deposit Agreements. For example, preauthorized withdrawals
(including payments made by telephone and by personal computer, among
other methods) from savings and money market accounts are limited to
six (6) each statement period, no more than three (3) of which may be
made by check. For more information see the Deposit Agreements.
- You may cancel or
edit any scheduled payment that has not begun processing (including
recurring payments) by following the directions applicable to the Service.
There is no charge for cancelling or editing a scheduled payment.
Once the Service has begun processing a payment it cannot be cancelled
or edited, therefore a stop payment request must be submitted.
- In using the Service
to make payments, you may only stop such payments as provided in this
Agreement. The stop payment terms of the Deposit Agreements are
inapplicable to payments made via the Service. The Service's
ability to process a stop payment request will depend on the payment
method and whether or not a check has cleared. The Service may
also not have a reasonable opportunity to act on any stop payment request
after a payment has been processed. If the payment is made electronically,
you have no right to stop payment. (If the payment has not yet
been deducted from your account, you may be able to cancel the payment.)
If the payment is made by paper check and the Bank has already paid
the check, it is not possible to stop payment. If the payment
is made by paper check and the Bank has not yet paid the check, it may
be possible to stop payment.
- You are responsible
for all bill payments you authorize using the Service. If you
permit other persons to use the Service, you are responsible for any
transactions they authorize from your accounts. You should notify
the Bank immediately if you believe the Service has been used without
- Customers will not
be liable for unauthorized transactions as long as you report any unauthorized
transactions within sixty (60) days after the statement showing the
unauthorized transaction is mailed to you.
- Business account
customers (i) agree that the Bank may process all payment instructions
which are submitted and that such instructions are effective even if
not transmitted or authorized by the customer, (ii) agree to maintain
appropriate accounting and auditing procedures to protect their accounts
from intentional negligent misuse, and (iii) agree to promptly review
all paper and electronic statements, notices and transaction information
made available to them and to report all unauthorized transactions and
errors to the Bank immediately. In this Agreement, business
account means (1) any account established by a sole proprietor, corporation,
partnership, limited liability entity, or any other business entity,
or (2) any account established for other than primarily personal, family
or household purposes.
- Either you or the
Bank may terminate this Agreement and your subscription at any time
upon giving notice of the termination to the other party. If you
terminate, you authorized the Bank to continue making bill payments
you have previously authorized until such time as the Bank has had reasonable
opportunity to act upon your termination notice. Once the Bank
has acted upon your termination notice, the Bank will make no further
payments from your accounts, including any payments you have previously
authorized. If the Bank terminates your use of the Service, the
Bank reserves the right to make no further payments from your accounts,
including any transactions you have previously authorized. You
agree that if you or the Bank terminates this Service, you will cancel
all automatic recurring payments you have previously authorized, and
that if you fail to do so, you are responsible for such payments.
If you only have one designated billing account, and that account is
closed for any reason, the Bank will automatically terminate your Service
without notice to you, and upon such termination no further payments
will be permitted, including payments previously authorized.
At Reliance Bank
, we value your business. That's why we are committed to keeping your information private. We have protected your confidential information in many ways, and will continue to do so in the coming years. When the new privacy law took effect, we did not have to make many changes to our existing policies. If you ever have any questions about the confidentiality of your personal and business information, please contact us at 239.768.4550.
Categories of Information That We Collect
We collect nonpublic personal information about you from the following sources:
Categories of Information That We Disclose
- Information we receive from you on applications or other forms you provide to us
- Information that we receive from processing your accounts with us and the transactions in those accounts, as well as information that we receive from providing services to you
- Information we receive from a consumer-reporting agency
We may disclose your name, address and information about your accounts to a company, which provides us with marketing services.
We may disclose nonpublic personal information about you to nonaffiliated third parties, such as sevice providers, as permitted by law for business purposes. We do not disclose nonpublic personal information about former customers to nonaffiliated third parties except as permitted by law.
Confidentiality and Security of Your Information
It is the policy of Reliance Bank to assure that the information it has about its customers is accurate. It is also the policy of Reliance Bank that information it has about its customers is highly confidential and should only be available to persons who have a need for the information to properly service a customer's account, act upon a customer's request or to fulfill that person's job responsibility. Reliance Bank maintains physical, electronic, and procedural safeguards that comply with federal regulations to guard our customers' nonpublic personal information. We have in place extensive security procedures, including dual control, passwords, user identifications and terminal identifications that will ensure our confidentiality policy is followed.
To provide better service and a more effective Web site, we use "cookies" as part of our interaction with your browser. A "cookie" is a small text file placed on your hard drive by our Web page server. These "cookies" do not collect personally identifiable information, and we do not combine information collected through "cookies" with other personal information to determine who you are or your email address.
"Cookies" are commonly used on the Website and do not harm your system. By configuring your preferences or options in your browser, you determine if and how a "cookie" will be accepted. We use "cookies" to determine whether you have previously visited our Website and for a number of administrative purposes.
By pressing the "I Accept" button, a "cookie" will be placed in your web browser so that you will not see this page again and will proceed directly to the Online Banking service.
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