First Bank Deposit Agreement

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    YOUR ONLINE PASSWORD. You will receive or select your first online bank password. When you first access your First Bank account, you need to select a new password. We advise you to change your password regularly. Do not use numbers that can be easily associated with you, such as phone number, address or date of birth as a password. You allow Erste Bank to respond to the instructions you received under your password. You are responsible for the confidentiality of your password, account number and other account information at all times. Online banking can be used to access certain bank accounts through the first bank. The terms and conditions of the current deposit account agreements and declarations for each of your first bank accounts (your “account disclosure”) as well as other agreements with First Bank for loans continue to apply, notwithstanding the contrary provisions of this online banking contract.

    You understand that first Bank Richmond and our service provider require access to the websites and databases of your bank and other institutions in which you hold accounts, as you indicate and on your behalf, to obtain information and that you request to make money transfers. By using the Service, you will assure us and guarantee that you have the right to allow us access to your accounts in order to influence such transfers of funds or for other purposes authorized by this Agreement, and you assure us that disclosure and authorization to use this information does not infringe any third-party rights. You guarantee and ensure that the information you provide us is true, accurate, current and complete. You authorize and authorize First Bank Richmond and our service provider to use the information you have provided to fulfill these objectives and to configure the service to be account-compatible with the accounts. This online banking agreement (“online banking agreement”) for access to your accounts via First Bank Richmond explains the terms and conditions for the following online services: banking, billing and other banking services offered through first Bank. By using online banking, you accept the terms of this online banking agreement. This online banking contract is governed by all applicable federal laws and regulations and is interpreted accordingly. The following rules apply in the absence of an applicable federal right or regulation. The terms “we,” “we,” “our,” “bank” and “Erste Bank” refer to First Bank Richmond. “She” refers to each signatory on an account. The term “working day” means Monday to Friday, without Saturday, Sunday and the Bundesbank holidays. If your online password has been compromised and you send us within two (2) business days after you have been aware of the loss or theft, you cannot lose more than $50 if someone has used your online password without your permission to access a bank account.

    If you do NOT tell us within two (2) working days after you have been aware of the loss or theft, and we could have prevented someone from taking money without your permission, if you had told us that you could lose up to $500. 4. BENEFITS. You can use the service to check your account balance and transfer money between your selected accounts for online banking. To start one of these transactions, you must first use your password to access the service.