Introduction: This Internet Banking Agreement
and Disclosure governs your use of Internet Banking. Throughout
this web site the Agreement and Disclosure will be referred to
as “Agreement.” By using Internet Banking, you agree
to all of the terms of this Agreement. Please read it carefully
and keep a copy for your records. Internet Banking consists of
a series of components that make up a complete on-line web site
that provides a full array of financial services to its customers.
There is no charge for
Internet Banking alone.
Five (5) image views monthly - Free
Over (5) image views monthly - .25¢ per view.
Definitions: You or Your – The
person(s) subscribing to or using Internet Banking.
We, Us, or
Our – Refers
to Zapata National Bank and any agent,
independent contractor, designee, or assignee Zapata National
Bank may involved in the provision of Internet Banking.
Day – Any calendar day other than Saturday, Sunday,
or any holidays recognized by Zapata National Bank.
Virus protection: Zapata National
Bank is not responsible for any electronic
virus of 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 unrepaired viruses may corrupt and destroy
your programs, files and even your hardware. Additionally,
you may unintentionally transmit the virus to other computers.
Log-On and Security: In order to ensure the
security of your accounts, we will end your online session if we
have detected no activity. This is to protect you in case you leave
your computer unattended while you are logged on. Simply re-enter
your password and your session will be re-established. 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. (We suggest that you stay
away from names, dates, and information that may easily be guessed.)
Keep your password safe. Memorize your password and never tell
it to anyone. Change your password frequently. This can be done
at the beginning of each Internet Banking session.
Balance Inquiries and Transfers: You may use Internet Banking
to check the balance of your account and to transfer funds among
enrolled accounts. According to Federal Regulations, you may not
make more than (6) pre-authorized or automatic transfers from your
Money Market or Savings account during a given monthly statement
cycle. There are no limits to the number of transfers from your
checking accounts. Shown balances of accounts may include 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 us at 956-765-4302. The transfer cut
off time is at 4:00 PM Central Time Zone.
Stop Payments: You
can make stop payments requested through the system until 4:00
PM CST . These requests will be honored for six (6) months from
the date you initiate the request. You may extend this time frame
by requesting another order at the time it expires. We must have
reasonable and sufficient time to honor your request. You understand
and agree that, unless your request is complete and accurate we
may not be able to honor your request, or stop payment of the item.
You are also responsible for verifying if the check has already
been paid. The system allows current and previous statements only,
anything before this period is your sole responsibility. You agree
to hold us harmless from and against any claim arising in connection
with our refusal to pay such item. The appropriate fee will be
assessed for each request.
Notice of Your Rights and Liabilities: Notify
us immediately if your password has been lost or stolen. Failure
to notify us immediately could result in the loss of all money
accessible by the password. If we are notified within two (2) business
days after you discover that your password has been lost on stolen,
you can lose no more than $50.00 if someone used it without your
permission. If you do not notify within two (2) business days and
we can prove we could have prevented someone from using the password
without your permission, you could lose as much as $500.00. If
your statement shows unauthorized transfers, notify us within sixty
(60) days after the statement is mailed to you or viewed on your
computer. After sixty (60) days, if we can prove that we could
have stopped someone from taking the money if we had been informed,
lost funds might not be recovered.
Errors and Questions: In case of errors or questions concerning
transactions completed with Internet Banking, do one of the following
as soon as possible;
- Telephone Zapata National Bank at
(956) 765-4302; or
- Write to Zapata National Bank at
P.O. Drawer 100, Zapata , Texas 78076 ; or
- Email an inquiry to us at firstname.lastname@example.org
We must hear from you within sixty (60) days you receive the first
statement or notification in which the error or problem appeared.
Please include your name, as it appears on your account, and a
brief description of the problem. We will tell you the results
of our investigation within ten (10) business days after we hear
from you. If we need more time, we may take up to 45 business days
to investigate. If we choose to take up to 45 business days, we
will give a provisional credit to your account within ten (10)
business days. 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 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 the 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 government agency or court order.
- If permission is given to us by you, which we may require
- 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.
No Signatures Requirements: When any payment
or other on-line service generates instructions or items to be
charged to your account, you agree that we may act on such instruction,
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.
Termination: You may terminate
the use of Internet Banking at anytime by contacting Zapata National
Bank in writing either by fax at (956) 765-6937, in person at 7th
and Hidalgo Blvd., Zapata, Texas 78076, or by mail at P.O Drawer
100, Zapata, Texas 78076. If your account is closed or restricted
for any reason, Internet Banking accessibility will automatically
terminate. We may terminate your use of Internet Banking at anytime.
Governing Law: This Agreement shall be governed
by and construed in accordance with the laws of the State of Texas.
Assignment: 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.
Amendments: Terms and conditions of this agreement
may be amended in whole or part at any time within 30 days written
notification 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
Entire Agreement: This agreement supplements
any other agreements of 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 statement
made by employees or agents, this agreement shall supersede.