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If you are unable to print this agreement and would like a hard copy, please contact our Customer Service Department, at 662-283-3231.This Internet Banking Agreement (this "Agreement") contains disclosures and important information about the operation of the Bank of Winona ("BOW" or "Bank") Internet Banking System (the "System").
If your instructions for a 'same day' transfer are received after the Internet Banking cut-off time or on a day that is not a Business Day, you will be deemed to have directed that the transfer occur on the following Business Day.
Recurring transfers are those made for the same amount and are made on a weekly, bi-monthly, monthly or other periodic basis.
Balances may also be subject to a hold (which will not necessarily be evident from the Online Services, but which you would have received written notice of when it was placed).
Please also note that online transaction history for Eligible Accounts is limited; you may need to check the statements that we have previously sent you for information beyond the first day covered by the online transaction history. You may schedule transfers to be initiated on the current Business Day, on a future date, or on the same date of each month, subject to the restrictions of this Agreement and other agreements between you and the Bank (including, but not limited to those contained in the Deposit Account Agreement that limit the number of transfers that may be made from your account during any monthly period).
Subject to the below specified provisions related to funds transfers and the terms of this Agreement, you may initiate transfers of funds between Accounts at the Bank.
If, however, the Account from which you are transferring funds is subject to limitations on the number of withdrawals permitted per month or per statement period, you must observe those limitations.
"Payee" means anyone, including the Bank, you designate and the Bank accepts as a payee. Online Services is available 24 hours a day, 7 days a week except during maintenance periods or circumstances beyond our reasonable control. Customer Service: You may contact Customer Support via telephone or electronic mail. Account Access: For purposes of this Agreement, an "Eligible Account" is a personal or commercial checking, money market, savings, or time deposit account for which you are an authorized signer, and for which, according to our records, you have authority, acting alone, to conduct all depositor-initiated transactions on such account; or a consumer or mortgage loan on which you are a borrower.
System Hours of Operation: You may use the System 24 hours a day, seven days a week, although some or all Online Services may not be available occasionally due to emergency or scheduled system maintenance. Telephone support is available at 1-662-283-3231, Monday through Thursday from a.m. You must have at least one Eligible Account with us and access to the Internet in order to use Online Services.
We agree to post on the Bank website notice of any scheduled extended periods of time that the system will not be available. If you are an authorized signer or borrower on more than one Eligible Account, we will automatically link such additional Eligible Accounts (collectively 'Linked Accounts") to your Online Service access.
Business Days of Bank of Winona: For purposes of these disclosures, the Banks business days include any calendar day other than Saturday, Sunday or any holidays recognized by Bank ("Business Days"). If you have additional eligible personal accounts that do not show when you access Online Services, please call us at 662-283-3231 or write us at Bank of Winona, Customer Service, P O Box 231 Winona, MS 38967, to update your linked accounts.