Online Banking Agreement and Disclosure

This agreement states the terms and conditions that apply when you use KSB Online Banking service. These terms and conditions are in addition to those that apply to any accounts you have with us or any other services you obtain from us. Strict adherence to all of KSB instructions and procedures applicable to the services covered by this agreement is required. “You” and “your” mean each person who establishes a KSB Online Banking Customer Account with us or who uses or is authorized to use a KSB Online Banking identification number and password or other means of access we establish or approve. The term “KSB Online Banking” means the KSB service that allows you to make payments, transfer funds, access accounts, obtain information and perform other transactions over the Internet by use of a personal computer and modem, mobile devices, and/or other means KSB authorizes or allows.

To access KSB’s Online Banking service, you must use the identification number and/or other means of access KSB establishes or provides for your KSB Online Banking Account, together with a password. Anyone to whom you give your KSB Online Banking identification number and password or other means of access will have full access to your accounts, even if you attempt to limit that person’s authority. KSB Cash Management allows businesses to appoint an Administrator for their KSB Cash Management account. The Administrator has full access to the accounts requested by the business to be viewable through KSB Cash Management. The Administrator is authorized to give access and authority levels to other users of the business according to the individual business’ policies.

You, or someone you have authorized by giving them your KSB Online Banking identification number and password or other means of access (even if that person exceeds your authority), may instruct us to perform the following transactions:

Make transfers between your qualifying accounts to the extent authorized;
Obtain information that we make available about your qualifying accounts;
Obtain other services or perform other transactions that KSB authorizes
Create a payment to any business or person through the Online BillPay portion of KSB Online Banking; and
KSB Cash Management ID and Password can allow access to ACH, Wires, Positive Pay and Remote Deposit Capture.

You must have enough available funds in any account from which you instruct us to make a payment or transfer. You also agree to the “Terms & Conditions of Your Deposit Account” that you received when you opened your deposit account. You may request another copy of the “Terms and Conditions of Your Deposit Account” at any time. KSB Cash Management customers will also have limits on the total daily amount allowed to be processed through Wires and ACH on a daily basis according to the Recurring Wire Transfer Agreement and/or ODFI- Originator Agreement on file with KSB.

If KSB does not complete a payment, ACH transaction, Wire or transfer on time or in the correct amount according to our agreement with you, KSB may be liable for your losses or damages. However, there are exceptions. KSB will not be liable for the following:

If, through no fault of KSB, you do not have enough available money in the account from which a payment, ACH transaction, wire or transfer is to be made, or if the account has been closed or is not in good standing, or if KSB reverses a payment or transfer because of insufficient funds;
If any payment or transfer would go over the credit limit of any account;
If your equipment or KSB’s was not working properly and the breakdown should have been apparent to you when you attempted to conduct the transaction;
If you have not given us complete, correct or current account numbers or other identifying information so that we can properly credit/debit your account or otherwise complete the transaction;
If you do not properly follow KSB’s instructions or if you provide KSB with wrong or inaccurate information or fail to correct or tell KSB about any inaccuracy of which you are aware;
If you do not instruct KSB soon enough for your payment, ACH transaction, wire or transfer to be received and credited by the time it’s due;
If the money in the account from which a payment or transfer is to be made is subject to legal process or other claim that would restrict the transaction;
If circumstances or persons beyond our control prevent, delay, intercept or alter the transaction, despite reasonable precautions that KSB has taken;
If the amount to be processed through KSB Cash Management’s ACH or Wire service is in excess of the daily limit agreed to in the recurring Wire Transfer Agreement or the ODFI Originator Agreement.

KSB Online Banking service is generally available 24 hours a day, 7 days a week. However, KSB will only process transactions and update information on business days. KSB’s normal business days are Monday through Friday (Federal Holidays are not included). Transfers made after 6:00 p.m. Monday through Friday will normally be processed on the next business day. Our Online BillPay service is generally available 24 hours a day, 7 days a week. KSB will process payments two times during a business day. Payments are processed at approximately 8 a.m. and 3 p.m. each business day, and can be modified or deleted any time prior to processing. Our KSB Cash Management service is available 24 hours a day, 7 days a week, upon written request. KSB will process ACH transactions initiated before 4:00 p.m. Monday through Friday (Federal Holidays are not included) on a daily basis. KSB customers have the capability of transmitting the file one (1) business day prior to the effective date or the same day. When transmitting the file one (1) business day prior to the effective date, KSB cannot guarantee the availability of funds on the effective date at the receiving institution. Wires will need to be initiated by 2:00 p.m. for one time and recurring wire transfers.

Your Online Banking transfers, ACH transactions, wires and payments will be indicated on the monthly statements KSB provides. You agree to notify KSB promptly if you believe there are any errors or unauthorized transactions on any statement, or if you change your address. Failure to notify KSB in a timely manner could result in the loss of your ability to have errors or unauthorized transactions corrected.

You, as a customer, agree to the terms of this KSB Online Banking account & any maintenance charges that may be imposed. You authorize the deduction of these charges directly from the account balance. You are liable for all transactions that you make or authorize, even if the person you authorize exceeds your authority. If you have given someone your KSB Online Banking identification number and password or other means of access and want to terminate that person’s authority, you must change your identification number and password or other means of access or take additional steps to prevent further access by such person. The KSB Cash Management Administrator is authorized to remove user’s authorization level, flag the user as “Held” or have the ID and password for the business changed as needed. All users added to KSB Cash Management will only have access to the ID once the Administrator contacts KSB verifying a new user was added.

If you believe your KSB Online Banking identification number or password or other means of access have been lost or stolen, or that someone has used them without your authorization, please do the following:

During Normal Business Hours: Call us immediately at 330.276.4881.

After Normal Business Hours: E-mail us through our website at www.killbuckbank.com

Cash Management users should contact their Administrator to have their Cash Management ID and password reset. The administrator may contact KSB for additional help with lost ID, Password or locked account. Immediately phoning KSB is the best way of reducing your possible losses. KSB understands there is no guarantee that e-mail will always arrive at its intended destination. Never send your account, social security, or identification numbers or password with your e-mail. Your name, address, phone number, and a brief message as to what problem you are having, is all we will need to proceed.

Your enrollment in the KSB Online Banking Service may include access to some products and services through most mobile devices. You can download the KSB Mobile Banking application for iOS or Android devices. KSB does not guarantee that your device or mobile phone service provider will be compatible with KSB Mobile Banking. We reserve the right to modify the scope of the KSB Mobile Banking Services at any time. By using the KSB Mobile Banking Services, you agree to the following terms. You agree that we may send you information relative to KSB Mobile Banking Services through your communication service provider in order to deliver them to you and that your communication service provider is acting as your agent in this capacity. You agree to provide a valid phone number, e-mail address or other delivery location so that we may send you certain information about your applicable account or otherwise related to the KSB Mobile Banking Services. Additionally, you agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys' fees) arising from your provision of a phone number, e-mail address, or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of the Agreement. KSB will not be liable to you for any losses caused by your failure to properly use KSB Mobile Banking or your Wireless Device. You agree that when you use KSB Mobile Banking you will remain subject to the terms and conditions of all your existing agreements with KSB. You also agree that you will be subject to the terms and conditions of all your existing agreements with your mobile service carrier or provider (i.e. AT & T, Verizon, Sprint, T-Mobile, etc.) You understand that those agreements may provide for fees, limitations, and restrictions which might impact your use of KSB Mobile Banking (for example, your mobile service carrier or provider may impose data usage or text message charges for your use of or interaction with KSB Mobile Banking, including while downloading the KSB Mobile Banking Application, sending or receiving text messages, or other use of your Wireless Device). You agree to be solely responsible for all such fees, limitations, and restrictions. If you use any location-based features of KSB Mobile Banking you agree that your geographic location and other personal information may be accessed and disclosed through KSB Mobile Banking. If you wish to revoke access to such information you must cease using location-based features of KSB Mobile Banking Services as provided for your convenience and do not replace your monthly account statement(s), which are the official record of your accounts. You understand and agree these services may not be encrypted and may include personal or confidential information about you such as your account activity or status. Delivery and receipt of information, including instructions for payment, transfer and other move money transactions, through the KSB Mobile Banking Services may be delayed or impacted by factor(s) pertaining to your Internet service provider(s), phone carriers, other parties, or because of other reasons outside of our control. We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, information and instructions sent through the KSB Mobile Banking Services. Additionally, you agree that neither we nor our service providers will be liable for any errors or delays in the content, or for any actions taken in reliance thereon. You are responsible for any and all charges, including, but not limited to, fees associated with text messaging imposed by your communications service provider. We are not responsible for any damages resulting from your failure to comply with any terms and conditions provided by your communication service provider or any app store.

Mobile phones and other devices with Internet capabilities are susceptible to viruses. You are responsible to ensure that your device is protected from and free of viruses, worms, Trojan horses, or other similar harmful components which could result in damage to programs, files, and/or your phone or could result in information being intercepted by a third party. KSB will not be responsible or liable for any indirect, incidental, special or consequential damages which may result from such viruses. You agree to take every precaution to ensure the safety, security, and integrity of your account and transactions when using KSB Mobile Banking. You agree not to leave your mobile device unattended while logged into KSB Mobile Banking and to log off immediately at the completion of each access by you. You agree not to provide any of your access information to any unauthorized person. If you permit other persons to use your mobile device, login information or any other means to access KSB Mobile Banking, you will be held responsible for any transactions they authorize and we will not be liable for any damages resulting to you. We make no representations that KSB Mobile Banking will be available for use in locations outside of the United States. Accessing KSB Mobile Banking from locations outside of the United States is at your own risk.

Your enrollment in the KSB Mobile Banking Service includes access to mobile text messaging related services (collectively, "Text Services") and alerts. By receiving or otherwise using these services, you agree to the following terms for these services. You agree that we may send messages through your communication service provider in order to deliver them to you and that your communication services provider is acting as your agent in this capacity. We may use a telephone number, e-mail address or other delivery location we have in our records for you or other such contact information as you may provide to us for these services so that we may send you certain information about your applicable account. Additionally, you agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys' fees) arising from your provision of a phone number, e-mail address, or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of the Agreement. You also understand that there may be a disruption in service when you change your communications service provider. Messages may be delayed or impacted by factor(s) pertaining to your Internet service provider(s), phone carriers, or other parties. We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, the messages sent through the alerts and text services. The text services are only available to customers who have an eligible account with us, and you may be automatically enrolled to receive certain alerts. While you must have an eligible account to use the service, once it is activated, if you have other types of accounts with us, you may have access to those other accounts as well. There is no service fee for the alerts and text services but you are responsible for any and all charges, including, but not limited to, fees associated with text messaging imposed by your communications service provider. Message and data rates may apply. Such charges include those from your communications service provider. Message frequency depends on user preferences. For additional assistance with the alerts and text services, contact KSB customer service at 330-276-4881.

KSB may amend this Agreement at any time by sending written notice either by mail or by providing you with that notice electronically. You may choose to accept or decline the change. By continuing to use KSB Online Banking and/or KSB Mobile Banking after the effective date stated in the notice, you are deemed to accept any and all changes, and agree to be bound by the provisions within the notice.

If you believe your mobile device, user name, password, or other approved access device has been lost or stolen, or that someone has transferred or may transfer funds from your account without your authorization, contact us immediately at 330.276.4881. For additional information regarding your and our rights and responsibilities regarding unauthorized transactions, please review the applicable agreement(s) governing the affected deposit account.

In case of errors or questions about your deposit accounts or KSB Online Banking or KSB Mobile Banking services, contact our KSB customer service at 330.276.4881.

By clicking “I agree,” I consent to the terms and conditions of The Killbuck Savings Bank Online Banking Agreement and Disclosure Statement. Furthermore, by clicking “I agree,” I acknowledge and agree that I am legally bound by this affirmative consent.

Revised 08/2021