Citizens National Bank

• HOME
• CitizensNET
  • Log-in
  • Sign-up
• PERSONAL
  • Checking
  • Citizens 24
  • Savings
  • Overdraft Protection
  • Discount Brokerage
  • Trust/Asset Management
  • Order Checks
  • Current Rates
• BUSINESS
  • Checking & Savings
  • Payroll Deduction
  • Cash Management
  • Credit Card Processing
  • Trust/Asset Management
• LOANS
  • Consumer Loans
  • Mortgage Loans
  • Commercial Loans
  • Citizens Goldline
  • Foreclosures
  • Loan Application
• ABOUT US
  • History
  • Mission & Vision
  • Board of Directors
  • Branch Advisory Board Members
  • Branch locations
  • ATM Locations
  • News Releases
  • Statement of Condition
  • Community Links
• CONTACT
  • Branch Locations
  • Citizens 24 Hotline
  • Lost Card
  • Management Team
  • Request Information

CitizensNET User Agreement
Electronic Funds Transfer Disclosure Statement

The Agreement

This agreement between you (or parties you authorize to use our service) and Citizens National Bank covers the use of CitizensNET, a service provided to you by Citizens National Bank via the World Wide Web at www.cnbsomerset.com and your internet browser. By accessing this service you understand and accept the terms, conditions, and fees associated with the use of this product. CitizensNET is offered to deposit customers free of charge but all fees that apply to your account will still be in effect. This Disclosure and Agreement applies to electronic funds transfer services and Internet accessed services provided by Citizens National Bank. Please read this Disclosure and Agreement in its entirety since it contains disclosures that affect you.

Pre-Authorized Accounts

Any signer of the account may authorize an account to be linked to CitizensNET by accepting this online CitizensNET Enrollment Form. Available accounts are Checking, Savings, Certificates of Deposit, IRA, and Loan accounts. At any time you may add, change or remove any account from CitizensNET. Please contact us at (606) 679-6341 or email us at support@cnbsomerset.com for more details. Any account that requires multiple signatures to authorize withdrawals is not eligible for transfers or electronic bill payments.

No Signature Required

At which time you elect to transfer funds between your pre-authorized accounts held by Citizens National Bank or enroll in Electronic Bill Payments you authorize us to honor debits drawn against your accounts without the presence of your written signature.

Equipment and Technical Requirements

I understand that to use CitizensNET, I must have Internet Access through an Internet Provider and Internet Browser software. I understand that the Bank does not make any warranties on equipment, hardware, software or Internet Provider Service, or any part of them, expressed or implied, including, without limitation, and warranties of merchantability or fitness for a particular purpose. The Bank is not responsible for any loss, injury or damages, whether direct, indirect, special or consequential, caused by the Internet Provider, any related software, or the Bank's Account Access or the use of any of them or arising in any way out of the installation, use or maintenance of your personal computer hardware, software or other equipment.

Business Days

Our business days are Monday through Friday except for Federal holidays. Saturday, Sunday and Monday are all 1 (one) business day. Our normal business hours Monday through Thursday are 8:00 A.M. to 5:00 P.M. EST, Friday 8:00 A.M. to 6:00 P.M. EST. The CitizensNET service is available 365 (three hundred sixty-five) days a year unless system maintenance or upgrades are necessary. Our daily cut-off times are: Bill Pay- 1:00 P.M. ET., Wire Transfer and ACH- 2:00 P.M. ET, Account Transfers- 5:00 P.M. ET All transaction received after cutoff times will be posted on the following business day. You will receive a monthly account statement showing your Electronic Funds Transfers. Your transactions scheduled for weekends or holidays will be posted the prior business day.

Your User Code and Password

Your CitizensNET ID and your password will be mailed to you within four(4) business days after we receive this enrollment form. You have the option at any time to change your password and we recommend that you practice this on a regular basis. If you forget your password please contact us at (606) 679-6341 for instructions. If you make your user code and password available to others to act on your behalf you are responsible for all activity authorized by your user code and password.

NOTE: Knowledge of your PASSWORD will allow access to your accounts to unauthorized persons. Memorize your PASSWORD. If necessary, keep it in a completely separate place for your protection.

Limitations on Electronic Funds Transfers

The limit on your amount to transfer is the available balance in your account, but will not include your BOUNCE PROTECTION limit.

Documentation of Transfers

You will receive a confirmation screen with reference information after every transfer you make. It is suggested that you print and retain a copy of the confirmation for your record.

Incomplete Payments

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages, which you prove, are directly caused by our action or failure to act. However, there are some exceptions to our liability. We will NOT be liable, for instance:

• If through no fault of ours, you do not have enough money in your deposit account to make the transfer,
• If the transfer would go over the available credit limit on your account or other available pre-authorized line of credit,
• If we are legally restricted from transferring funds to or from your account,
• If circumstances beyond our control, such as fire or flood, prevent the transfer despite reasonable precautions that we have taken.
• If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.

Reporting Unauthorized Transactions

If you believe that your PASSWORD has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, contact us immediately at (606) 679-6341.

Unauthorized Access and/or Transfer

Tell us at once if you believe that your PASSWORD has been lost or stolen. Telephoning is the best way to keep your possible losses down. You could lose all the money in your account. If you tell us within 2 business days, you can lose no more than $50.00 if someone used your PASSWORD number without your permission. If you do not tell us within 2 business days after you learn of the loss or theft, and we can prove we could have stopped someone from using your PASSWORD without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transactions that you did not make, tell us at once. If you do not notify us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason kept you from notifying us, we may extend the time periods.

Error Resolution Procedures

In case of errors or questions about your electronic transfers, please call or notify us in writing at:

Citizens National Bank
44 Public Square
P.O. Box 760
Somerset, KY 42502-0760
(606) 679-6341

If you think your statement or record of an electronic funds transfer is wrong or if you need more information about a transfer listed on the statement or record issued to you, notify us immediately. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. When you call or write to us in this regard, you should:

• Tell us your name, account number, and telephone number.
• Describe the error or the 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 this suspected error and the date of the transaction as shown on your statement.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 business days (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 (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. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

Third Party Disclosure

We will disclose information to third parties about your account or the transfers you make under the following circumstances:

• Where it is necessary for completing transfers to or from your account or resolving errors relating to your account or transfer you make, or
• In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or
• In order to comply with laws and regulations and with subpoenas or with government agencies or courts orders, or
• In the investigation or prosecution of alleged fraudulent activity concerning your account; or
• If you give us written permission.

Amendments

We may amend all terms and conditions at any time, but will give you notice 30 days before the amendment becomes effective if the amendment will result in increased charges or liability to you or a few types of available electronic fund transfers or limitation of the transfers you may make. Such notice will be mailed to you at the last address of record on our files. If, however, an immediate change in terms and conditions is necessary for security reasons, we may amend these terms and conditions without prior notice.

For more information regarding privacy, you may visit our Privacy Policy page.