I.  Requirements

To use McIntosh State Bank’s Online Banking, you must have the following:

• An eligible account with McIntosh State Bank. Eligible accounts include checking accounts, savings accounts, money market accounts, CD's, loans, or lines of credit.

• A computer capable of connecting to the Internet;

• All software required in connecting to the Internet, including operating systems, connection software, and browsers such as Microsoft Internet Explorer or Netscape Navigator capable of 128-bit SSL encryption.

II.  Features

• See and search account history and balance. Transaction history is not retroactive.  Displayed activity begins accumulating once account access is established.  Search for transactions based on a variety of criteria including dates, amounts, check number, or transaction type. You can also sort the results several ways.

• Export account information for use in Quicken and Microsoft Money, Excel and Lotus.  Other software packages may also be compatible.

• Make loan payments and/or initiate credit line advances.

• Make federal tax payments. This feature is available to business online customers only. Your business must first be able to make electronic payments. To have your business enrolled electronically, please call 1-800-555-4477. All tax payments made on business days at or prior to 1 PM EST will be processed at 1 PM EST of that same business day. All tax payments made after 1 PM EST will be processed at 1 PM EST on the following business day.

• Initiate wire transfers. This feature is available to business online customers only. Your business must complete and sign our wire transfer agreement before this service is available. All wire transfer requests made on business days at or prior to 1 PM EST will be processed at 1 PM EST of that business day. All wire transfer requests made after 1 PM EST will be processed at 1 PM EST on the following business day. Sufficient funds must be available for transfer to be completed.

• Open a new account.

• Request stop payment of funds. All stop payment requests made on business days at or prior to 3 PM EST will be processed at 3 PM EST of that business day. All stop payment requests made after 3 PM EST will be processed at 1 PM EST on the following business day. For stop payment requests needing immediate assistance, you should contact your Virtual Branch Manager during the hours of 8 AM – 5 PM EST. The bank will not be held liable for any stop payment requests that are not received in the manner required by law and within due time that gives us reasonable opportunity to act on it.

• Originate Automated ClearingHouse (ACH) transactions. This feature is available to business online customers only. Your business must complete and sign our ACH origination agreement before this service is available. All ACH origination initiated at or prior to 1 PM EST on business days will be processed at 1 PM EST of that same business day. All ACH originations initiated after 1 PM EST will be processed at 1 PM EST on the following business day.

• Reorder checks for checking and money market accounts.

• Send and view secure messages. When using Internet email, it is not a good idea to give personal information such as social security numbers, account numbers, etc. However, with our Online Banking product, information that you send to us via secured messaging passes through a secured socket layer (SSL), which encrypts and helps safeguard your data, thus enabling you and the bank to send and receive sensitive information.

• Transfer funds between your McIntosh State Bank checking, savings or credit line accounts. If you initiate an online transfer before 3:30 PM Eastern Standard Time (EST), the transfer is posted to your account that day and can be viewed within Online Banking the following business day. If you initiate an online transfer after 3:30 PM EST on a business day or any time on a Saturday, Sunday, or bank holiday, the transfer is posted to your account on the next business day and can be viewed within Online Banking the business day after that. If we do not complete a transfer to or from your McIntosh State Bank account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable:

• If, through no fault of McIntosh State Bank, you do not have sufficient funds in your account or your linked credit line has reached its maximum limit to cover a transfer.
• If your account is closed or if it has been frozen.
• If the transfer would cause your balance to go over the credit limit for any credit arrangement set up to cover overdrafts.
• If a legal order directs McIntosh State Bank to prohibit withdrawals from the account.
• If you, or anyone you allow, commits fraud or violates any law or regulation.
• If any electronic terminal, telecommunication device, or any part of the electronic fund transfer system is not working properly.

III.  Fees

The Bill Pay service is free as long as subscriber initiates one or more transactions per month. If no transactions are initiated during the month, then a $4.95 per month Inactivity Fee will be charged.

IV.  Security

System Security
McIntosh State Bank's Online Banking product utilizes security technology widely accepted and used by the banking and financial industry for Internet commerce. Since this technology is always changing, McIntosh State Bank frequently reviews new technologies as they emerge to ensure that its Online Banking product will remain as secure as possible. Some of the features McIntosh State Bank has implemented to make Online Banking secure include:

• Support of 128-bit SSL browser encryption - the highest encryption level available.

• Firewalls - hardware and software used to prevent unauthorized access of sensitive information such as account information

• Automatic Lockout / Session Timeouts- these features have been enabled to help further safeguard your account information

Customer Identification (ID) and Personal Identification Number (PIN)
When enrolling for Online Banking, you will select the Customer ID and temporary PIN of your choice. Upon first time access, you will be required to change your temporary PIN. Your ID should be 6-10 characters in length consisting of letters and numbers. Your PIN should be 4-19 characters consisting of letters and numbers. You will be required to change your PIN every 180 days.

McIntosh State Bank is entitled to act on instructions received through Online Banking under your PIN without inquiring into the identity of the person using that PIN. You are liable for all transactions made or authorized using your PIN. If, despite McIntosh State Bank’s advice, you give your PIN to anyone, you do so at your own risk since anyone to whom you give your PIN or other means of access will have full access to your account(s) even if you attempt to limit that person’s authority. You must contact McIntosh State Bank immediately in the event that your PIN has been lost, stolen, or otherwise compromised so that it will not be honored and can be disabled. You hereby release McIntosh State Bank from any liability and agree not to make any claim or bring any action against McIntosh State Bank for honoring or allowing any actions or transactions where you have authorized the person performing the action or transaction to use your account(s) and/or you have given your PIN to such person, or, in the case of a jointly held account, such person is one of the account owners.

Important Tips

• Your PIN should remain confidential. You should not under any circumstances disclose your PIN by telephone or to anyone claiming to represent McIntosh State Bank; McIntosh State Bank employees do not need and should not ask for your PIN.

• Never leave your computer unattended when you are logged into Online Banking. Sign off of Online Banking first and sign back on later.

• Sign off of Online Banking as soon as you are finished. Use the "Exit" button available on every screen within Online Banking.

V.  Terms and Conditions

Cancellation of Services
You may cancel standard Online Banking at any time. McIntosh State Bank reserves the right to cancel Online Banking at any time without prior notice if we deem it necessary.

McIntosh State Bank's Liability
Except as specifically provided in this agreement or where the law requires a different standard, you agree that McIntosh State Bank is not responsible for any loss, property damage, or bodily injury, whether caused by the equipment, software, McIntosh State Bank, OR by Internet browser providers such as Netscape and Microsoft, OR by Internet access providers OR by online service providers OR by an agent or subcontractor of any of the foregoing. Nor are we 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 Banking, or Internet browser or access software.

Hours of Availability
You may use Online Banking seven days a week, twenty-four hours per day. However, there are times when part or all of the system will be unavailable due to maintenance or technical difficulties. If or when technical difficulties arise to our knowledge, we will notify you in advance if possible. If the system becomes unexpectedly unavailable, we will make efforts to re-establish the system. However, we do not guaranty the system’s reliability and suggest that banking needs during this period be directed to our Virtual Branch Manager or other banking options such as ATMs or MABEL (McIntosh’s Automated Banking Extension Line). McIntosh State Bank will not be liable for losses incurred from circumstances outside of our control such as outages with telecommunication or power suppliers or failures in hardware or software.

Changes to Fees or Terms
McIntosh State Bank reserves the right to change the fees or other terms of this agreement at any time. Whenever such changes are made, we will update this agreement accordingly, and either send a notice to you at the address on our records, or through Online Banking Secure Messaging.  The notice will be posted or sent at least thirty (30) days in advance of the effective date of any changes in fees for Online Banking, or of any different 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 compromising the security of the system, we will provide you with electronic or written notice within thirty (30) days of 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.

Click here to read our privacy policy.

VI.  Errors or Questions

In case of questions or errors about online funds transfers you should call your Virtual Branch Manager on business days between the hours of 8 AM and 5 PM EST.

Telephone us at 770-775-8333 or 1-800-303-0894 or write us, P O Box 3818 Jackson, GA 30233, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt.  We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared.

1. Tell us your name and account number

2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there is any error or why you need more information.

3. Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly.  If we take more than 10 business days to do this, we will recredit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation.

This is your bill paying agreement with McIntosh State Bank.  You may use McIntosh State Bank’s bill paying service to direct McIntosh State Bank to make payments from your designated checking account to the Merchants you choose in accordance with this agreement.  The terms and conditions of this Agreement are in addition to the Account agreements, disclosures and other documents in effect from time to time governing your Account (the Account Rules).

"You" or "your" means each person who signs the bill paying enrollment form or is otherwise authorized to use the McIntosh State Bank’s Bill Pay Service.  "Merchant" means anyone, including McIntosh State Bank, you designate and McIntosh State Bank accepts as a payee.

How to Setup Merchants/Payments

If you want to add a new Merchant to your list of authorized payees, you can submit your request by using the “Add/Edit Payees” button on the Internet or speak to your McIntosh State Bank Representative. You may add a new fixed payment to a Merchant, only if the Merchant is on your authorized list of payees, by accessing the Service and entering the appropriate information.  Most other additions, deletions, or changes can be made in writing or by using the Service.  McIntosh State Bank reserves the right to refuse the designation of a Merchant for any reason. 

McIntosh State Bank is not responsible if a Bill Payment cannot be made due to incomplete, incorrect, or outdated information provided by you regarding a Merchant or if you attempt to pay a Merchant that is not on your Authorized Payee list.

The Bill Paying Process

McIntosh State Bank will process variable payments 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 set by McIntosh State Bank, which is 1:00pm.  Variable 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.  McIntosh State Bank reserves its right to change the cut-off time by giving you notice if it changes.

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 requests 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.

Bill Payments are processed on the day you select as a Scheduled Payment Date. When scheduling Bill Payments, you must select a Scheduled Payment Date that is no later than the recommended time frame for delivery on Check payments (five (5) Business Days) or Electronic payments (three (3) Business Days) before your actual Due Date.  If the actual Due Date falls on a non-Business Day, you must select a Scheduled Payment Date that adds a minimum of at least one (1) Business Day (more days are necessary for multi-day federal holidays) to the recommended time frame for delivery of Check and Electronic Payments. Scheduled Payment Dates and recommended delivery times should be prior to any late date or grace period.  The Service will not be responsible for any finance charges or penalties incurred for late payments that were due to invalid information entered by the user such as Merchant address or user account number at the merchant.  The Service will be responsible for any changes to Merchants made in error by the Service.  Due to circumstances beyond our control, some Merchants take longer to post payments than others.  We suggest sending your first payment with more than enough time to post before the Due Date.  After your first payment has posted you will have a better understanding of how much time to allow for each Merchant.

When you have scheduled a payment, you authorize McIntosh State Bank to debit your Payment Account and remit funds on your behalf.  You certify that your Payment Account is an account from which you are authorized to make payments and any payment you make will be debited from this account.  You also authorize the credit of returned payments from using the Service.

The Service will incur no liability and a Service Guarantee shall be void if the Service is unable to complete any payments initiated because of any of the following:

1. You have not provided the Service with the correct payment account information, or the correct name, address, phone number, or account information for the Merchant upon initiation of the payment;
2. Circumstances beyond the control of the Service (such as, but not limited to, fire, flood, or interference from an outside force) prevents the proper execution of the transaction and the Service has taken reasonable precautions to avoid those circumstances;
3. The payment processing center is not working properly and you know or have been advised by the Service about the malfunction before you execute the transaction;
4. If, through no fault of the Service, your account does not contain sufficient funds to complete the transaction or the transaction would exceed the overdraft limit of your account; and/or
5. You attempt to pay a Merchant that is not on your authorized Payee list.

Provided none of the foregoing circumstances are applicable, the Service will bear responsibility for any late payment related charges up to $50.00 should a Bill Payment post after its Due Date as long as the Bill Payment was scheduled in accordance with the guidelines described under "The Bill Paying Process". The Service will first attempt to have the fee waived at the payee and if unsuccessful the fee will be reimbursed up to $50.00.

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 McIntosh State Bank.  McIntosh State Bank 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 McIntosh State Bank has not exercised its right to reverse or reject a Bill Payment, you agree to pay for such payment obligations on demand.  You further agree that McIntosh State Bank, at its option, may charge any of your accounts with McIntosh State Bank to cover such payment obligations. 

The Service reserves the right to select the method in which to remit funds on your behalf to your Merchant.

Any Bill Payment request can be changed or canceled, provided you access the Service prior to the cut-off time on the business day prior to the business day the Bill Payment is going to be initiated.

Returned Payments

In using the Service, you understand that the Service and/or the United States Postal Service may return payments for various reasons, such as, but not limited to, the Service account number is not valid; the Service is unable to locate account; or Payee account is paid in full. The Service will use its reasonable efforts to research and correct the returned payment, or void the payment and credit your Payment Account. You may receive notification from the Service.

Liability

You are solely responsible for controlling the safekeeping of, and access to, your Personal Identification Number (PIN).  You are liable for all transactions you make or that you authorize another person to make even if that person exceeds his or her authority.  If you want to terminate another person's authority, you must notify McIntosh State Bank and arrange to change your PIN.  You will be responsible for any Bill Payment request you make that contains an error or is a duplicate of another Bill Payment.  McIntosh State Bank is not responsible for a Bill Payment that is not made if you did not properly follow the instructions for making a Bill Payment.  McIntosh State Bank is not liable for any failure to make a Bill Payment if you fail to promptly notify McIntosh State Bank after you learn that you have not received credit from a Merchant for a Bill Payment.  McIntosh State Bank 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 McIntosh State Bank's agent.  In any event, McIntosh State Bank will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this Agreement or the Service, even if McIntosh State Bank has knowledge of the possibility of them.  McIntosh State Bank is not liable for any act, failure to act or delay in acting if it is caused, in whole or in part, by any cause beyond McIntosh State Bank's reasonable control.

Amendment and Termination

McIntosh State Bank has the right to change this Agreement at any time by notice mailed to you at the last address shown for the Account on McIntosh State Bank's records, by posting notice in branches of McIntosh State Bank, or as otherwise permitted by law.

McIntosh State Bank has the right to terminate this Agreement at any time.  You may terminate this Agreement by written notice to McIntosh State Bank.  McIntosh State Bank is not responsible for any payment made before McIntosh State Bank has a reasonable opportunity to act on your termination notice.  You remain obligated for any payments made by McIntosh State Bank on your behalf.

Fees

The Bill Pay service is free as long as subscriber initiates one or more transactions per month. If no transactions are initiated during the month, then a $4.95 per month Inactivity Fee will be charged.

Additional Charges for Customer requested Services and Other Items   

These charges will only be assessed if you request one or more of the services listed here.  There will be NO Charge for any item if needed to correct an error made by McIntosh State Bank.

• Return Check due to Subscriber Error…………………………...…………….$   5.00   
• Check Copy Mailed or Faxed to Subscriber or Bank ………...………………$   5.00  
• Check Copy Mailed to Merchant ……..…………………….….................... $   7.00
• Stop Payment ………………………………………………………….. …….....$ 30.00
• Return ACH items due to Subscriber Error …………………...................... $ 10.00
• Overnight Carrier Delivery Charge per item  …………….………………….    $ 20.00
• Special/Custom Report Charge  …………………………………..…………    $ 25.00
• Research Fee for items over 8 months old ………………….….…………..   $ 25.00
• Written Correspondence to a Merchant……………….……………………..   $ 10.00
• Per proof of Payment not necessitated by a dispute……………………….   $ 15.00
• Per Payment cancelled after cutoff time and prior to disbursement………   $   7.50

McIntosh State Bank reserves the right to charge you for research time involving payments no longer available in your screen history.  You will be informed of any such charges before they are incurred.

Some Bill payments are processed by Electronic Fund Transfers (EFT).  Please see the Electronic Fund Transfers Disclosure Statement included, or received when you opened your account, which discloses important information concerning your rights and obligations.

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