Terms & Conditions

NETeller
Access Agreement

I. Introduction
A. Governing Law
II. Accessing Your Atlantic Coast Bank Accounts through NETeller
A. Requirements
B. Electronic Mail (E-mail)
C. Fees
D. New Services
E. Benefits of Using NETeller
III. Terms and Conditions
A. Your Online Password
B. Payment Account
C. Our Liability
D. Overdrafts: Order of Payments, Transfers, Other Withdrawals
E. Hours of Accessibility
F. Additional Terms and Conditions
IV. Bill Pay Service
A. Access
B. Limitations
V. General Terms
A. Changes to Charges, Fees or Other Items
B. Disclosure of Account Information
C. Questions or Error Correction on NETeller Transactions
D. Other General Terms
E. Electronic Disclosures
VI. Protecting Your Account
A. Preventing Misuse of Your Account
B. Unauthorized Transactions in Your Atlantic Coast Bank accounts
VII. Electronic Signature
I. Introduction
This Online Access Agreement ("Access Agreement") for accessing your Atlantic Coast Bank
accounts through NETeller is the contract which covers your and our rights and
responsibilities concerning the home banking services offered to you by Atlantic Coast Bank
and explains the terms and conditions governing the Online banking services and bill pay
offered through NETeller. By selecting “I Agree” on the page following this document, you
agree to the terms and conditions in this Agreement and any amendments for the services
offered.
A. Governing Law. This Online Access Agreement will be governed by and interpreted in
accordance with the Institution’s bylaws, Federal laws and regulations, the laws, including
applicable principles of contract law and regulations, of the State of Georgia, and local
clearinghouse rules, as amended from time to time. As permitted by applicable law, you
agree that any legal action regarding this Agreement shall be brought in the county in which
the Institution is located.
The terms "we," "us," "our," "Atlantic Coast Bank," "Bank," and “Institution” refer to Atlantic
Coast Bank. "You" refers to each signer on an account. The term "business days" means
Monday through Friday, excluding Saturday, Sunday and Bank holidays. The
word “account” means any one or more savings and checking accounts you have with the
Institution. “Line of Credit” means any and all lines of credit issued by the Institution to any
of you. Loan means any and all loans extended by the Institution to any of you. “Merchant
(s)” means any party designated by you to receive payment from your account(s).
NETeller can be used to access Atlantic Coast Bank accounts. Each of your accounts at
Atlantic Coast Bank is also governed by the applicable account disclosure statement and
your Account Agreement.
II. Accessing Your Atlantic Coast Bank Accounts through NETeller
A. Requirements. To access your accounts through NETeller, you must have an Atlantic
Coast Bank account and a Sign-On ID and a NETeller password.
B. Electronic Mail (E-mail). Sending electronic mail (E-mail) through NETeller is a way to
communicate with the Bank. E-mail is provided for you to ask questions about your account
(s) and provide general feedback. E-mail is accessible after you sign on with your password
to a session of NETeller. To ensure the security of your account information, we recommend
that you use E-mail when asking specific questions about your account(s).
You acknowledge and agree that the Internet is considered inherently insecure. Therefore,
you agree that we have no liability to you whatsoever for any loss, claim or damages
arising or in any way related to our response(s) to any e-mail or other electronic
communication which we in good faith believe you have submitted to us. We have no duty
to investigate the validity or to verify any e-mail or other electronic communication. We
may respond to an e-mail communication provided by you to the address provided with the
communication.
Any e-mail returned to us as undelivered may be re-sent to you at any other e-mail address
that we have in your file, unless you have previously informed us through electronic or
written notice that an e-mail address is no longer valid.
Although we have no obligation to do so, we reserve the right to require authentication of e-
mails or electronic communications. The decision to require authentication is in the sole
discretion of the Bank. We will have no obligation, liability or responsibility to you or any
other person or company if we do not act upon or follow any instruction to us if a
communication cannot be authenticated to our satisfaction.
You cannot use E-mail to initiate transactions on your account(s). For banking transactions,
please use the appropriate functions within NETeller or call Customer Care at 1-800-342-
2824.
C. Fees. There are no monthly or transaction fees for accessing your account(s) through
NETeller or for using the BILLpayer service. Please note that fees may be assessed by your
Online service provider. All fees and charges applicable to your accounts and loans as
disclosed in the agreements and disclosures for such accounts and loans will apply.
D. New Services. Atlantic Coast Bank may, from time to time, introduce new Online
services. We will notify you of any new services. By using these services when they become
available, you agree to be bound by the rules communicated to you concerning these
services.
E. Benefits of Using NETeller. With NETeller, you can manage your personal or small
business accounts from your home or office on your personal computer. You can use
NETeller to:
• Transfer funds from your savings and checking accounts.
• Obtain balance information for your savings and checking accounts.
• Make loan payments from your savings and checking accounts.
• Access your Line of Credit, and Home Equity accounts, to make loan advances
on your pre-approved lines of credit.
• Obtain tax information on amounts earned on savings and checking accounts or
interest paid on loan accounts.
• Verify the last date and amount of your payroll deposit.
• Obtain loan, savings, checking account histories, and Certificate information.
• Transfer funds between customer accounts (requires customer authorization and
Institution set-up).
• View items that have cleared your account.
• Change your Home Banking password.
• Communicate directly with Atlantic Coast Bank through E-mail.
The following limitations on NETeller may apply:
• For security reasons there are limitations on the number of access retries for
Home Banking.
• There is an inactive time limit for a customer and a total time limit for a
customer’s session.
• This service may be interrupted for a time each day for data processing and
periodically for normal system maintenance.
• Transfers must be completed prior to 4:00 p.m. EST on a business day to be
considered current business day.
• Transfers completed after 4:00 p.m. EST or on a non-business day may affect
your account balance immediately; however, funds will not be available for withdrawal until
the next business day.
• Future dated or recurring transfers are processed after 4:00 p.m. on the
scheduled business day. You may delete the transfer anytime prior to processing.
III. Terms and Conditions
By accessing your Atlantic Coast Bank accounts through NETeller you agree to be bound by
all the terms and conditions of this Agreement and acknowledge your receipt and
understanding of this disclosure.
A. Your Online Password. You will be provided a sign-on ID and Password that will give you
access to your Atlantic Coast Bank accounts for NETeller access. The password can be
changed within NETeller using the options button. You are required to change your password
at least ever 90 days. Atlantic Coast Bank will act on instructions received under your
password. For security purposes, it is recommended that you memorize this password and
do not write it down. You are responsible for keeping your password, account numbers and
other account data confidential.
B. Payment Account. Although there are no fees for accessing your accounts through
NETeller, you may be asked to designate a payment account for selected services such as
BILLpayer. You agree to pay promptly all fees and charges for services provided under this
Agreement, and authorize us to charge the account that you have designated as the
payment account or any other account for the fees.
If you close the payment account, you must notify Atlantic Coast Bank and identify a new
payment account for the selected services. Additionally, if you close all Atlantic Coast Bank
accounts, you must notify Atlantic Coast Bank Customer Service to cancel the NETeller
services.
Your Online access may be canceled at any time without prior notice due to insufficient
funds in one of your accounts. After cancellation, NETeller services may be reinstated, once
sufficient funds are available in your accounts to cover any fees and other pending transfers
or debits. In order to reinstate your services, you must call Atlantic Coast Bank Customer
Care at 1-800-342-2824.
If you do not access your Atlantic Coast Bank accounts through NETeller for any six-month
period, Atlantic Coast Bank reserves the right to disconnect your service without notice.
Please note that your bill payment information may be lost if you are disconnected.
You agree to be responsible for any internet access charges incurred by accessing your
Atlantic Coast Bank accounts through NETeller.
If you wish to cancel any of the services offered through NETeller, please contact Atlantic
Coast Bank Customer Care at 1-800-342-2824 or send cancellation instructions in writing to
Atlantic Coast Bank, 505 Haines Avenue, Waycross, GA 31501.
C. Our Liability. EXCLUSION OF WARRANTIES. EXCEPT AS OTHERWISE REQUIRED BY
LAW, BANK IS PROVIDING NETELLER AND BILL PAY SERVICES "AS IS" WITHOUT ANY
WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE
IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON
INFRINGEMENT AND TITLE. BANK DOES NOT WARRANT THAT NETELLER OR BILL PAY
SERVICE IS ERROR-FREE, OR THAT ACCESS TO AND USE OF NETELLER OR BILL PAY
SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.
Except as specifically provided in this Agreement or where the law requires a different
standard, you agree that neither we nor the service providers shall be responsible for any
loss, property damage or bodily injury, whether caused by the equipment, software, Atlantic
Coast Bank, OR by Internet browser providers such as Netscape (Netscape Navigator
browser) and Microsoft (Microsoft Explorer browser), OR by Internet access providers OR by
Online service providers OR by an agent or subcontractor of any of the foregoing. Nor shall
we or the service providers be responsible for any direct, indirect, special or consequential,
economic or other damages arising in any way out of the installation, use or maintenance of
the equipment, software, the Online Financial Services, or Internet browser or access
software.
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 may be liable for your losses or damages.
However, we will not be liable for damages in the following events:
• If, through no fault of ours, there is not enough money in your account(s) to
complete the transaction, if any funds in your account(s) necessary to complete the
transaction are held as uncollected funds or pursuant to our Funds Availability Policy, or if
the transaction involves a loan request exceeding your credit limit.
• If you used your NETeller or BILLpayer Service in an incorrect manner.
• If the computer you are using fails before the transactions are complete.
• If circumstances beyond our control (such as fire, flood, or power failure)
prevent the transaction.
• If the funds in your account are pledge as collateral or frozen because of a
delinquent loan.
• If the error was caused by a system of any Internet Service Provider.
• If the electronic transfer is not completed as a result of your willful or negligent
user of your access code(s).
• If the computer equipment you use to conduct the transactions is not working
properly and you know or should have known about the breakdown when you started the
transaction.
• Any other exceptions as established by the Institution.
Stop Payment Rights. If you have arranged in advance to make regular electronic fund
transfers out of your account(s) for money you owe others, you may stop payment of
preauthorized transfers from your account. You must notify us orally or in writing at any
time up to three (3) business days before the scheduled date of the transfer. We may
require written confirmation of the stop payment order to be made within fourteen (14) days
of any oral notification. If we do not receive the written confirmation, the oral stop payment
order shall cease to be binding fourteen (14) days after it has been made. If you order us
to stop one of these payments 3 business days or more before the transfer is scheduled,
and we do not do so, we will be liable for your losses or damages.
Notices. All notices from us will be effective when we have mailed them or delivered them
to your last known address in the Institution’s records, or at the Bank’s option, sent
electronically to an e-mail address provided by you. Notices from you will be effective when
received by the Institution at the address specified in this Agreement. We reserve the right
to change the terms and conditions upon which this service is offered. We will mail notice to
you of changes as required by applicable law. Use of this service is subject to existing
regulations governing the Institution account and any future changes to those regulations.
Changes in terms and conditions of the Account may affect the use of the access codes.
Preauthorized credits. If you have arranged to have direct deposits made to your account
at least once every 60 days from the same person or company, the person or company
making the deposit will tell you every time they send us the money.
Periodic statements. You will get a monthly account statement unless there are no transfers
in a particular month. In any case you will get the statement at least quarterly.
D. Overdrafts: Order of Payments, Transfers, Other Withdrawals. If your account has
insufficient funds to perform all electronic funds transfers (ATM withdrawals, pre-authorized
transactions, NETeller transfers and bill payments, etc.) that you have requested for a given
business day, then:
1. Certain electronic funds transfers involving currency disbursement, like ATM
withdrawals, will have priority, and
2. The electronic funds transfers initiated through NETeller may result in an overdraft of
your account and may, at Atlantic Coast Bank's discretion, be canceled.
3. One-time transfers scheduled or made on bank business days before 4:00 p.m. will be
credited and available on the same day. Transfers after 4:00 p.m. will be available on the
next business day.
4. Future dated or recurring transfers are processed after 4:00 p.m. on the scheduled
business day. You may delete the transfer anytime prior to processing.
In addition, you will be charged the same overdraft charges that apply to your account.
E. Hours and Days of Accessibility. You can access your Atlantic Coast Bank accounts
through NETeller seven days a week, 24 hours a day. However, at certain times, some or all
of NETeller may not be available due to system maintenance. Transactions made on bank
business days before 4:00 p.m. will be credited and available on the same day.
Transactions initiated after 4:00 p.m. or on non-business days will be credited immediately,
but funds will not be available until the next business day.
Obtaining Account Balance and Transaction History. You can obtain balance and transaction
history on all eligible accounts. Current balance and activity information is available as of
the close of the previous business day.
Business days. For purposes of these disclosures, our business days are Monday through
Friday. Holidays are not included.
F. Additional Terms and Conditions. Transferring Funds. The number of transfers from a
savings or money market account is limited as described in the applicable Truth-in-Savings
Disclosure.
If a hold has been placed on deposits made to an account from which you wish to transfer
funds, you cannot transfer the portion of the funds held until the hold expires.
Security of Access Code(s). The access codes (Sign-On ID and Online password) issued to
you are for your security purposes. Any codes issued to you are confidential and should not
be disclosed to third parties or recorded on or with any Bank documents. You are
responsible for safekeeping your access code(s). You agree not to disclose or otherwise
make your access codes available to anyone not authorized to sign on your accounts. If
you authorize anyone to use your access codes, that authority shall continue until you
specifically revoke such authority by notifying the Institution. You understand that any joint
owner you authorize to use an access code may withdraw or transfer funds from any of
your accounts. If you fail to maintain the security of these access codes and the Institution
suffers a loss, we may terminate your NETeller services immediately.
Joint Accounts. If any of your accounts accessed under this Agreement are joint accounts,
all joint owners, including any authorized users, shall be bound by this Agreement alone and
together, shall be responsible for all NETeller transactions to or from any savings and
checking or loan accounts. Each joint account owner, without the consent of any other
account owner, may, and is hereby authorized by every other joint account owner to, make
any transaction permitted under this Agreement. Each joint account owner is authorized to
act for the other account owners, and the Institution may accept orders and instructions
regarding any NETeller transaction on any account from any joint account owner.
Provisions of Agreement. NETeller user agrees to indemnify the Institution for any
amounts, including but not limited to expenses, court costs and attorney fees, incurred by
the Institution in the event of an overdraft or User’s failure to perform according to the
provisions of this Agreement.
Customer Liability. You are responsible for all transactions you authorize using your
NETeller services under this Agreement. If you permit other persons to use any NETeller,
BILLpayer service or access code, you are responsible for any transactions they authorize
or conduct on any of your accounts. However, tell us at once if someone has used your
NETeller or BILLpayer service, access code, or otherwise accessed your accounts with us
without your authority, or if you believe that an electronic fund transfer has been made
without your permission using information from your check. Telephoning is the best way of
keeping your possible losses down.
IV. Bill Pay Service
BILLpayer (Automated Bill Payment Service). This is an automated bill payment service that
can be accessed by using a personal computer with access to the Internet. Before you can
apply for the BILLpayer service, you must first have a NETeller Sign-On ID and valid
password. After logging onto NETeller, apply for the BILLpayer Service, by completing the
Service Subscriber Application and Enrollment form. Once approved for the BILLpayer
service, you can list all of the Merchants to whom you want payments to be made. You may
also designate which Merchant is to receive single or recurring bill payments. The payee of
a BILLpayer payment order will not receive payment for as many as five (5) business days
after we process the payment order. Any BILLpayer payment order received by us after
4:00 PM on a business day or on a non-business day will not be processed by us until the
next business day. Your designated savings or checking account must contain sufficient
available funds at the time the BILLpayer payment order is initiated for the payment order
to be processed. We shall not be liable for any special, indirect or consequential damages
arising from the failure of an error in any BILLpayer payment order.

A. Access. To access the Service, logon to NETeller at www.atlanticcoastbank.net You will
need access to a personal computer and Internet Service Provider to access the Service via
the Internet. The Institution is not responsible for the installation, maintenance, and
operation of the personal Computer. The Institution will not be responsible for any errors or
failures involving the telephone service, Internet Service Provider or your computer. The
Institution is not responsible for your acts or omissions or those of any other person,
including without limitation, any transmission or communications facility, and no such party
shall be deemed to be the Institution’s agent.

The Institution is not responsible for any act, failure to act or delay in acting if it is caused,
in whole or in part, by any cause beyond the Institution’s reasonable control. You will be
responsible for any Bill Payment request you make that contains an error or is a duplicate
of another Bill Payment. The Institution is not responsible for Bill Payment if you fail to
promptly notify the Institution after you learn that you have not received credit from a
Merchant for a Bill Payment. (For information about how to notify the Institution, see
Customer Liability).

You agree to have available and collected funds on deposit in the Account you designate in
amounts sufficient to pay for all Bill Payments requested, as well as any other payment
obligations you have to the Institution. The Institution reserves the right, without liability, to
reject or reverse a Bill Payment if you fail to comply with this requirement or any other
terms of this Agreement. If you do not have sufficient funds in the Account and the
Institution has not exercised its right to reverse or reject a Bill Payment, you agree to pay
for such payment obligations on demand. You agree that the Institution, at its option, may
charge any of your Accounts to cover such payment obligations.

At present time, you may use the BILLpayer Service to:
a. Set up Single Payments- A bill with a variable amount due with each payment.
b. Set up Recurring Payments- A bill that is due on the same day each month and is
always the same amount.
c. Review bill payment transaction history.
d. Access General Information about BILLpayer Service.
B. Limitations. The following limitations on BILLpayer Service may apply:
a. Merchants must be located in the United States.
b. No payments are remitted to Government Taxing Authorities.
c. No payments are remitted to any court system.
d. You must allow at a minimum, five (5) business days for each bill payment
(single or recurring) to reach your merchant. You may schedule a payment at any time, but
payments are actually sent to payees only on business days.
e. Single payments are processed on the business day (generally Monday through
Friday, except holidays) you designate the bill is to be processed, provided the payment
request is received prior to the cut-off time which is currently 4:00 EST. Single bill requests
received after the business day cut-off time, or at any time on a non-business day, will be
processed on the next business day. The Institution reserves the right to change the cut-off
time by giving you notice if it changes. The bill payment system is available for bill
scheduling 24 hours a day, seven days a week.
f. For recurring payment requests, if you designate a processing date of the 28th
through the 31st of a month, processing will be initiated on the last calendar day of the
month. Otherwise, recurring payment request will be processed on the dates you have
designated, unless such date falls on a non-business day resulting in your payment being
processed on the next business day.
g. You may add a new fixed payment to a Merchant, only if the Merchant is on your
authorized list of payees, and by accessing the Service and entering the appropriate
information.
h. If you want to add a new Merchant to your list of authorized payees, you may
request the additional merchant while logged into BILLpayer. Most other additions, deletions,
or changes can be made while logged into BILLpayer. The Institution reserves the right to
refuse the designation of a Merchant for any reason.
i. Any bill payment can be changed or canceled, provided you call us prior to the
cut-off time on the business day prior to the business day the bill is going to be initiated.
j. The Institution is not responsible if a bill payment cannot be made due to
incomplete, incorrect, or outdated information provided by you regarding a Merchant who is
not on your authorized payee list.
k. Bill payments are taken from your designated account on the evening of the
processing date you request, if funds are available. Your designated savings or checking
account must contain sufficient available funds at the time the bill payment order is initiated
for the payment to be processed.
l. You may change or stop a bill payment up until 4:00PM EST of the processing
date you originally gave us.
m. If you want to terminate another person’s authority, you must notify the
Institution by calling Customer Care at 1-800-342-2824 and request your NETeller password
be changed.
V. General Terms
A. Changes to Charges, Fees or Other Terms. We reserve the right to change the charges,
fees or other terms described in this Agreement. However, when changes are made to any
fees or charges, we will notify you Online, if you have agreed to receive changes
electronically, or send a notice to you at the address shown on our records. The notice will
be posted or sent at least thirty (30) days in advance of the effective date of any additional
fees for Online transactions, or of any stricter limits on the type, amount or frequency of
transactions or any increase in your responsibility for unauthorized transactions, unless an
immediate change is necessary to maintain the security of the system. If such a change is
made, and it can be disclosed without jeopardizing the security of the system, we will
provide you with electronic or written notice within thirty (30) days after the change. As
always, you may choose to accept or decline changes by continuing or discontinuing the
accounts or services to which these changes relate. We also reserve the option, in our
business judgment, to waive, reduce or reverse charges or fees in individual situations.
Changes to fees applicable to specific accounts are governed by the applicable Deposit
Agreement and Truth in Savings Disclosure and Fee Schedule.
B. Disclosure of Account Information. You understand that in addition to information
furnished pursuant to legal process, some information about your accounts may
automatically be disclosed to others. For example, the tax laws require disclosure to the
government of the amount of the interest you earn, and some transactions, such as certain
large currency and foreign transactions, must be reported to the government. The Bank
may also provide information about your account(s) to persons or companies the Bank
believes would use the information for reasonable purposes, such as when a prospective
creditor seeks to verify information you may have given in a credit application or a
merchant calls to verify a check you have written. In addition, the Bank routinely informs a
credit bureau when accounts are closed by the Bank because they were not handled
properly. The Bank may also seek information about you from others, such as a credit
bureau, in connection with the opening or maintaining of your account.
In addition to the above, we will disclose information to third parties about your account or
the transfers you make:
(i) Where it is necessary for completing transfers, or
(ii) In order to verify the existence and condition of your account for a third party, such as a
credit bureau or merchant, or
(iii) In order to comply with government agency or court orders, or
(iv) If you give us your written permission.
You authorize the above described transfers and disclosures of information.
C. Questions or Error Correction on NETeller Transactions. In case of errors or questions
about electronic funds transfers from your savings and checking accounts, telephone us at
the following number or send us a written notice to the following address as soon as you
can. We must hear from you no later than sixty (60) days after we sent the first statement
on which the problem appears. Telephone Customer Care at 1-800-342-2824 or write to:
Atlantic Coast Bank - 505 Haines Ave. - P.O. Box 1256 - Waycross, GA 31502.
• Provide us your name and account number.
• Describe the error or transfer you are unsure about, and explain as clearly as
you can why you believe the Institution has made an error or why you need more
information.
• Provide us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in writing
within ten (10) business days.
We will tell you the results of our investigation within ten (10) business days after we hear
from you and will correct any error promptly. If we need more time, however, we may take
up to forty-five (45) days to investigate your complaint or question. If we decide to do this,
we will credit your account within ten (10) business days (five (5) business days for Card
purchases) 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 ten (10) business days, we
may not credit your account.
For transactions initiated outside the United States or in the event there are transfers
resulting from a point-of-sale transaction, we will have Ninety (90) business days instead of
forty-five (45) calendar days, unless otherwise required by law, to investigate your
complaint or question. If your claim is made within thirty (30) days of account opening, we
will provisionally credit your account within twenty (20) business days and may take up to
ninety (90) calendar days to conduct our investigation. If we decide after our investigation
that an error did not occur, we will deliver or mail to you an explanation of our findings
within three (3) business days after the conclusion of our investigation. If you request, we
will provide you copies of documents (to the extent possible without violating other
customers’ rights to privacy) relied upon to conclude that the error did not occur.
D. Other General Terms. Other Agreements. In addition to this Agreement you agree to be
bound by and will comply with the requirements of the Account Agreement, the Bank's rules
and regulations, the rules and regulations of any funds transfer system to which the Bank
belongs, and applicable State and Bank laws and regulations. We agree to be bound by
them also.
Atlantic Coast Bank Reserves the Right to terminate this Agreement - The Bank reserves
the right to terminate this Agreement and your access to NETeller, in whole or in part, at
any time without prior notice.
E. Electronic Disclosures. You specifically consent and agree that we may, in our sole
discretion, provide all disclosures, agreements, contracts, periodic statements, receipts,
modifications, amendments, and all other evidence of our transactions with you or on your
behalf electronically (hereinafter all such documentation is referred to as "electronic record
(s)"). You understand that electronic records may include information about your and your
account, including, but not limited to, your name, address, account numbers, check
numbers and balance information. We may provide you any or all electronic records at any
e-mail address provided to us below or we may post any or all electronic records at our
NETeller home banking site on our website, www.atlanticcoastbank.net. If we post
electronic records on our website, we will send a notice to you within NETeller alerting you
of the posting of such records. If we send a notice to you within NETeller, you will not
receive a separate e-mail outside NETeller alerting you of the posting of such records; you
must log in to NETeller from time to time to receive such notices. You agree that you will
log in to NETeller at least once every 30 days to ensure you receive such notices. If we
post electronic records on NETeller, the electronic records will remain available for at least
ninety (90) days. We reserve the right to send any or all records to you in paper form to
your current postal mailing address in our file.
You have a right to receive a paper copy of any of these electronic records if applicable law
specifically requires us to provide such documentation. You may withdraw your consent and
revoke your agreement to receive records electronically. To request a paper copy or to
withdraw your consent and agreement to receive electronic records, write us at: 505 Haines
Avenue, Waycross, GA 31501 Attention: Electronic Services. A fee to cancel this service
or to request paper copies of these electronic records may be imposed as set forth in your
Fee Schedule.
VI. Protecting Your Account
A. Preventing Misuse of Your Account. Your role is extremely important in the prevention of
any wrongful use of your account. You must promptly examine your statement upon receipt.
If you find that your records and ours disagree, you must immediately call Atlantic Coast
Bank Customer Care at 1-800-342-2824.
Protecting Personal Information. In addition to protecting your account information, you
should also take precautions to protect your personal identification information, such as
your driver's license, Social Security Number, etc. This information by itself or together with
information on your account may allow unauthorized access to your account(s). It is your
responsibility to protect personal information with the same level of care that you protect
your account information.
Taking Care of Your Sign-On ID and Password. The sign-on ID and password that is used
to gain access to NETeller should also be kept confidential. For your protection we
recommend that you change your Online password regularly. It is recommended that you
memorize this Online password and do not write it down.
You are responsible for keeping your Sign-On ID, password, account numbers and other
account data confidential. If you believe that your Online password may have been lost or
stolen, or that someone has transferred or may transfer money from your account without
your permission, notify Atlantic Coast Bank Customer Care at once at 1-800-342-2824.
B. Unauthorized Transactions in Your Atlantic Coast Bank Accounts
Notify us immediately if your Online password has been lost or stolen or if you believe that
an electronic fund transfer has been made without your permission using your Online
password or information from your check. Telephoning is the best way of keeping your
possible losses down. You could lose all the money in your account plus your maximum
overdraft line of credit. believe another person has improperly obtained your Online
password. Only reveal your account number to a legitimate entity for a purpose you
authorize (such as your insurance company for automatic payments). If you believe your
Online password has been lost or stolen, call Atlantic Coast Bank Customer Care at 1-800-
342-2824, or write Atlantic Coast Bank, 505 Haines Avenue, Waycross, GA 31501. You
should also call the number or write to the address listed above if you believe a transfer has
been made using the information from your check without your permission.
If your Online password has been compromised and you tell us within two (2) business days
after you learn of the loss or theft, you can lose no more than $50 if someone used your
Online password without your permission to access an Atlantic Coast Bank deposit account.
If you do NOT tell us within two (2) business days after you learn of the loss or theft, and
we could have stopped someone from taking money without your permission had you told
us, you could lose as much as $500.
Also, if your statement shows withdrawals, transfers or purchases that you did not make or
authorize, please notify us immediately. If you do not notify us within sixty (60) days after
the paper statement was mailed to you, and we could have stopped someone from taking
money if you had told us in time, you may not get back any money lost after the sixty (60)
days. If extenuating circumstances, such as a long trip or hospital stay, kept you from
telling us, the time periods in this section will be extended.
If you have any questions or require current rate and fee information, see our Fee
Schedule, or contact Customer Care at: 1-800-342-2824 or GA local at (912) 283-4711 or
FL local at (904)998-5500.
VII. Electronic Signature:
By selecting the "I Agree" button below, you consent and agree that your Sign-On ID and
NETeller password which were used to access this page constitute your signature,
acceptance and agreement to the terms and conditions provided on this page, as if actually
signed by you in writing. Further, you agree that no certification authority or other third
party verification is necessary to the validity of your electronic signature. You agree that
the lack of such certification or third party verification will not in any way affect the
enforceability of your signature or any resulting contract between you and the Bank.
Revision 04/01/2008