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Personal Online Banking Enrollment
ONLINE BANKING


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Online Banking Enrollment

To enroll for Online banking, you much first read the following Disclosure and click on "I ACCEPT" below.

Internet Banking Service Agreement and Disclosure

This agreement and any future amendments to this Agreement, describe your rights and obligations as a user of the On-Line Banking Service or the Bill Payment Service "(Services)". It also describes the rights and obligations of Inland Bank and Trust.

Please read this agreement carefully. By pressing the 'I Accept' button below, you agree to comply with the terms and conditions of this agreement.

Definitions 

"On-line Banking" is the internet-based service providing access to your account(s) under the terms set forth in this Electronic Services Agreement.

"On-line Account" means any Inland Bank and Trust account from which you will be conducting transactions using a Service.

"Password" is the code assigned to you by Inland Bank and Trust for use during the initial sign-on, or the code you select after the initial sign-on, that establishes your connection to the Service.

"Time of Day" references are to Central Standard Time or Central Daylight Time, as applicable.

"We", "Us", or "Our" refers to Inland Bank and Trust, which offers the Services and which holds the accounts accessed by the Services.

"Business Day" is any calendar day other than Saturday, Sunday, or any holidays Inland Bank and Trust chooses to remain closed. Bill payments are processed on all Business Days that the Federal Reserve Bank is operating and open for business.

Access to Internet Banking
 

You will gain access to your On-line Accounts through the use of your Internet-enable device, your Internet Service Provider, your Access ID and your Password.

Inland Bank and Trust Internet Banking consists of an On-line banking web site that provides a complete array of financial services. These services currently include the following:

Internet Banking Services 

On-line Banking Services:

  • Account inquiries, balances, rates
  • View detailed transactions
  • Two months of historical transactions
  • Account transfers
  • Various bookkeeping services
  • Payments to our loan accounts
  • Transaction Downloads
  • On-line Periodic Statements, for eligible deposit accounts

Optional Bill Payment Services:

  • One-time payments
  • Occasional payments
  • Fixed recurring payments
  • Variable recurring payments

Additional services may be available for On-line Banking from time to time. By using these services when they are available, you agree to be bound by the rules made available to you concerning these services.

Hours of Operation 

Inland Bank and Trust Internet Banking is available 24 hours a day, seven days-a-week, except during special maintenance periods, which generally are scheduled between 11:00 p.m. Sunday and 4:00 a.m. Monday morning, For purposes of transactions, Inland Bank and Trust's Business Days are Monday through Friday, excluding holidays as observed by Inland Bank and Trust. All On-line Banking Service transactions executed after 5:00 p.m. on business days, and all transactions, which are requested on Saturdays, Sundays, or holidays on which Inland Bank and Trust chooses to remain closed, will be processed on the next Inland Bank and Trust Business Day. Our Business Day begins at 8:30 a.m.

Your Security Password 

You should strictly maintain the confidentiality of your User ID and Password for on-line banking and/or bill pay services. To help prevent unauthorized access and ensure the security of your accounts, your on-line session may end if there is no activity. This could protect you in case you accidentally leave your computer unattended after you logged on. When you return to your computer, you may be prompted to re-enter your password and your session will continue where you left off. In any event you agree to assume responsibility for all transactions accessed through your account up to the limits allowed by applicable law. If you believe your Password has been compromised, call Inland Bank and Trust immediately at 630-908-6410 between 8:30 a.m. and 5:00 p.m. or Saturday between 8:30a.m. and 1:00p.m. (Central Time). Telephoning is the best way of minimizing your losses. Notify us at once if your User I.D. and Password has been lost, stolen or used without your consent. Failure to notify us immediately could result in the loss of all your funds accessible by your Password. You could lose all the money in your account (plus your maximum overdraft line of credit, if you have one).

Accounts 

You may request access to any account for which you are a signer or owner. If you desire On-line Banking Services that allow you to initiate payments or transfers from any account, you will need the required withdrawal authority over the account to be able to complete the transaction. By using the On-line Banking Services, you agree to maintain one or more accounts with us and to keep sufficient balances in any account to cover any transaction and fees that are ultimately approved by or related to the On-line Banking Services. If the accounts added to the On-line Banking Services are jointly held or have multiple signers, you agree that access to the information and all transactions initiated by the use of your Access Code and Password are authorized unless we have been notified to cancel the On-line Banking Service.

E-Statements 

E-statements are offered for eligible deposit accounts, allowing you to replace your mailed (paper) statement with an electronic version (PDF) that you can view, save to your computer, or print at your convenience. Any legal notices that normally accompany your mailed statement will be delivered to you electronically. An E-statement will replace your mailed statement in its entirety. For your convenience, we will continue to mail any applicable 1099 interest forms, overdraft notices, and/or automatic transfer notices. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any communication that you have authorized us to provide electronically. All communications in either electronic or paper format from us to you will be considered "in writing." You should print or download for your records a copy of this Disclosure and any other communication that is important to you. You acknowledge and agree that your consent to electronic communication is subject to the federal Electronic Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.
Consumer and business checking, savings, market rate, money market, and other deposit accounts that have recurring periodic statements may be eligible to receive e-statements.
The E-Statement service requires that you complete the initial registration process. The steps to register are as follows: Fill out the e-statement agreement/application form, be actively registered for on-line banking and provide a valid e-mail address.
An image of your statement(s) will be available to you via our on-line banking Web site. An e-mail is sent when e-statements become available to view and access is obtained by clicking on the hyperlink. If your email notification is returned undeliverable due to a bad e-mail address, a printed statement will be mailed to the address of record. If use of an e-statement is a requirement of a particular account type and it is returned, the account will be converted to another account as disclosed at the time of account opening.

Inland Bank and Trust on-line statements are created in a standard format that can be viewed with a PC or Macintosh computer. You will need to ensure that your computer is able to view, print, and/or save your e-statement(s).

You must inform us of any changes to your e-mail address. You will be able to view the current month's statement as well as eleven previous statements. You will continue to have the option to request historical statements. Fees may apply. All fees are disclosed in our initial disclosure and our statement of fees.

You may cancel your e-statements at any time. If you cancel e-statements for a product where this was a requirement, then the account will be converted to another account type as initially disclosed at the time of opening. In order to cancel your e-statements, you must notify Inland Bank and Trust and provide your name, address, and account number. You must indicate which service you are canceling and the effective date to stop the service (see below for methods of notification). When you turn off this feature, you will begin to receive paper statements with your next statement cycle.

Internet Banking Fees

Inland Bank and Trust offers the benefits and convenience of the On-line Banking Service or Bill Payment Services to you free of charge. Account research and stop payment charges are assessed at the rates published in Inland Bank and Trust's Schedule of Service Fees.

Miscellaneous Bill Payment charges:

  • Proof of payment - $10
  • Payments returned due to customer error - $5

These fees are subject to change. Inland Bank and Trust will notify you regarding any fee changes at least thirty (30) days in advance of the effective date of these changes. Overdraft fees may be imposed for overdrafts created by checks, in-person withdrawals, ATM withdrawals, or by other electronic means, as applicable.

Cancellation of Internet Banking 

Inland Bank and Trust may cancel your On-line Banking Service at any time in whole or part without prior notice (due to insufficient funds in one of your accounts or other circumstances that may create an unanticipated liability to us.) You will remain responsible for all transactions executed by the system prior to the cancellation, and for any other fees associated with the On-line Banking Service.

Prohibited Transactions

Our account agreement restricts funding of certain transactions, which are prohibited. We hereby prohibit funding of transactions which are knowingly by gambling businesses in connection with participation by others in Unlawful Internet Gambling pursuant to Regulation GG.

Balance Inquiries, Bill Payments and Transfer Limitations 

You may use the On-line Banking Services to check the balance on your accounts and to transfer funds among your accounts. Current Federal regulations may restrict transactions on specific accounts. Currently, you may not make more than six (6) pre-authorized or automatic transfers or bill payments from your Money Market Deposit Account or Savings Account during a given monthly statement period. There are no restrictions to the number of transfers or bill payments from your Checking Accounts. Inland Bank and Trust currently limits the bill payment service only to checking accounts.

Information about Stop Payment requests
 

Stop payment request received from the On-line Banking Service will be processed within one Business Day using the procedures that would handle similar requests received by mail or fax. If urgent action is required, contact Inland Bank and Trust directly by telephone or in person. Additional disclosures and fees may apply on stop payment service and these terms will be disclosed at the time you complete the request. The stop payment feature is designed to submit a request to stop payment on checks or electronic drafts. This service is not available to cancel the payments scheduled through the bill payment service. If you need to cancel a bill payment or have a problem with bill payment, you will need to contact Inland Bank and Trust by telephone or in person.

Bill Payment Service
 

The Bill Payment Service permits you to direct payments from your designated account at Inland Bank and Trust to third parties you wish to pay. If you choose to utilize this service, you may begin initiating payments following receipt of your On-line User ID and Password. Only an Inland Bank checking account can be used with the Bill Payment Service.
You can pay bills to business, merchant or professional entities that generate a bill or invoice for products and services provided to you on your behalf and have an address we can verify. The Payment Initiation Date is the date you enter into On-line Banking when setting up a bill payment. The system will allow you to do Single Payments—a payment to be made to a payee once, or Recurring Payments—payments of fixed amounts to a single payee at recurring intervals (i.e., weekly, semi monthly, monthly, quarterly, semi-annually, or annually). All payments you make will be deducted from the account on the Payment Initiation Date.
All payments will be payable in U.S. Dollars to a payee located in the continental United States.
Maximum payment allowed to one payee is $9,999.99.
We reserve the right to restrict types of payees to whom payments may be made using the Bill
Payment Service. Some examples of restricted payments would be payments to settle securities purchases, tax payments or any court ordered payments. Payments to these entities will be your sole responsibility if delayed or improperly processed or credited. Funds must be available in your account on the scheduled Payment Initiation Date. If the payment date falls on a non-business day (i.e., Saturday, Sunday or Holiday), funds must be available in your account the following business day.

If your account does not have sufficient available funds to make a payment on the Payment Initiation Date, the payment will be cancelled and no further attempt will be made by Inland Bank and Trust to make the transfer or payment. Inland Bank and Trust may attempt to notify you by telephone, mail or e-mail, but Inland Bank and Trust shall have no obligation or liability if it does not complete a transfer or payment because there are insufficient available funds in your account to process a transaction. In all cases, you are responsible for either making alternate arrangements for the payment or rescheduling the payment through the Bill Payment Service. In the case of Recurring Payments, only the payment currently scheduled will be canceled. Recurring Payments scheduled for future dates will not be affected.

You must schedule the Payment Initiation Date at least five (5) business days before any Payment Due Date (that is, the due date shown on your invoice or provided in your agreement with the payee, not taking into account any applicable grace period)
. If you do not, you will be fully responsible for all late fees, finance charges or other action taken by the payee.

Inland Bank and Trust has determined that the end of the business day is 2:00 pm Central Standard Time for payments or transfers for current day transactions. For all entries made using the system, the time is recorded by the On-line Banking service reports. Any request after the end of business day may be considered received the following business day. If you need to cancel or change a payment after it is issued and we agree to do so we will charge a stop payment fee to stop the bill payment. Stop payment requests for Bill Payment Services received by fax or by e-mail are considered to be oral stop payment requests and will be in effect for fourteen days (14). Once Inland Bank and Trust receives written confirmation from you, the stop payment will be in effect for six months. After six months the stop payment will terminate and you must renew this request to remain in effect. Inland Bank and Trust may pay any item that is presented following the lapse of any stop payment order.

Inland Bank and Trust is only responsible for exercising ordinary care in processing and sending payments in accordance with this Agreement. Inland Bank and Trust will not be liable if any of the following occurs:

  1. Funds are not showing on the system's available balance in your account that is to pay for the bill or transfer at the time of transaction.
  2. Funds are subject to legal process or other encumbrances restricting the payment or transfer.
  3. You had knowledge of or questions about the possible malfunction of the system when you initiated the transaction.
  4. Any information provided by you about the payment is incorrect.
  5. There are delays in the handling of the payment by the payees or the payee's bank.
  6. Natural disasters (fire, flood, tornado, etc.) or other uncontrollable circumstances (power failures, equipment or technical failures) that prevent proper completion of the transfer.
  7. You believe someone has accessed your accounts without your permission and you failed to notify us immediately.
  8. You have not properly followed the scheduling instructions on how to make a transfer included in this agreement.
  9. It can be shown that the payee received the payment within the normal delivery time frame and failed to process the payment through no fault of Inland Bank and Trust or our service providers.

There may be other exceptions stated in this agreement and in other agreements with you. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer, and we will not be liable for any incidental or monetary damages. If any of the circumstances listed above shall occur, we shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may have been completed or to correct incorrect transactions that have been processed.

Bill Payment Guarantee 

We will reimburse you up to $50.00 per payment for any late payment fees or penalties you are charged as a result of the Payee/ Vendor not receiving a payment by the Due Date if all the following apply:

  1. You scheduled the payment before the cut–off time on a transaction date at least five (5) business days prior to the Due Date. This means that you must initiate a Single Payment before 2:00 p.m. Central Standard Time on a business day at least five (5) business days prior to the bill's actual date due. For recurring payments, this means that you must allow additional time for months in which weekends or holidays reduce the number of business days between the recurring Payment Initiation Date and the bill's actual due date.
  2. You provided correct information to us about the Payee (name, account number, and amount).
  3. Your account contained sufficient available funds to complete the payment on the date the payment is due.
  4. The Payee was a business payee that charges late charges or penalties.
  5. The Payee due to the delay of the payment assessed late payment fees or penalties.
  6. You received no prior notice from the payee that there was a problem with processing your payment.
  7. You received no notice within the five (5) business day period that would have allowed you to inform us, Inland Bank and Trust, of a problem when we could have taken corrective action to remedy the situation prior to the fifth day.

Notice of Your Rights and Liabilities 

Notify us AT ONCE if you believe that your User I.D. and/or Password has been lost, stolen or used without your consent. Failure to notify us immediately could result in the loss of all your funds accessible by your Password. Telephoning us at the number listed below in the Errors Resolution Notice section is the best way of limiting your possible loss. You could lose all the money in your account (plus your maximum overdraft line of credit, if you have one).

Errors Resolution Notice 

In case of errors or questions concerning transactions completed with On-line Banking services, call Inland Bank and Trust at 630-908-6410 or write to us at as soon as you can if you think that your on-line statement is wrong or if you need more information about a transfer listed on the on-line statement:

Inland Bank and Trust
2805 W. Butterfield Road
Oak Brook, IL 60523
Attn: Deposit Operations

You may also e-mail errors or questions to: info@inlandbank.com

We must hear from you within sixty days (60) after you receive the first statement or notification in which an error or problem has occurred. We will need to know your name, account number, a description of the error or the transfer in question, and an explanation concerning why you believe it is an error or need more information. We will also need the dollar amount of the suspected error and the date on which it occurred.

If your request is made orally, we may require that you send the complaint or question in writing within ten (10) business days from your initial contact, (twenty business days (20) if the transaction involved a new account). We will notify you with the results of the investigation within ten (10) business days and will correct any error promptly. If more time is needed, however, we may, at our sole discretion, take up to forty- five (45) days to investigate a complaint or question, (Ninety business days (90) if the transaction involved a new account). If we decide to do this, we will give you a provisional credit to your account within ten (10) business days for the amount you think is in error, (twenty business days (20) if the transaction involved a new account). Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before the account is opened. If we decide there was no error, we will furnish you a written explanation within three (3) business days after the investigation is complete. You may ask for copies of the documents that we used in our investigation.

Limit of Inland Bank and Trust and other Providers Responsibility
 

Inland Bank and Trust agrees to make reasonable efforts to ensure full performance of On-line Banking. Inland Bank and Trust will be responsible for acting only on those instructions sent through On-line Banking, which are actually received, and cannot assume responsibility for malfunctions in communication facilities not under our control, which may affect the accuracy or timeliness of messages you send. Inland Bank and Trust is not responsible for any losses should you give incorrect instructions or if your payment instructions are not given sufficiently in advance to allow for timely payment or delays in mail service.

Any information you receive from Inland Bank and Trust is believed to be reliable. However, it can only be provided on a best- efforts basis for your convenience and is not guaranteed. Inland Bank and Trust is not liable for any deficiencies in the accuracy, completeness, availability, or timeliness of such information or for any investment or other decision made using this information.
Inland Bank and Trust is not responsible for any electronic virus or viruses that you may encounter. You are responsible for obtaining, installing, maintaining, and operating all computer hardware and software necessary for performing On-line Banking. Inland Bank and Trust will not be responsible for any errors or failures from the malfunction of your hardware or software.

The limit of Inland Bank and Trust's liability shall be as expressly set forth herein. Under no circumstances will Inland Bank and Trust be liable in contract or otherwise for any special, incidental, or consequential damages, whether or not foreseeable. By consenting to use the Services, you agree to waive any and all right as aforesaid, and you acknowledge that the limit of your remedy is as otherwise expressly set forth herein.

Inland Bank and Trust's Responsibility
 

Inland Bank and Trust will be responsible for your actual losses if they were directly caused by our failure to:

  • Complete an Electronic Funds Transfer as properly requested.
  • Cancel an Electronic Funds Transfer as properly requested.

However, we will not be responsible for your losses if:

  • Through no fault of Inland Bank and Trust, you do not have enough money in your account to make a transfer.
  • Through no fault of Inland Bank and Trust, the transaction would have caused you to exceed your available balance.
  • Circumstances beyond our control (i.e., fire, flood, power outage, equipment or technical failure or breakdown) prevent the transfer, despite reasonable precautions that we have taken.
  • There is a hold on your account, or if access to your account is blocked in accordance with banking policy.
  • Your funds are subject to legal process or other encumbrance restricting the transfer.
  • Your transfer authorization terminates by operation of law.
  • You believe someone has accessed your accounts without your permission and you fail to notify us immediately.
  • You have not properly followed the scheduling instructions on how to make a transfer included in this agreement.
  • We have received incomplete or inaccurate information from you or a third party involving the account or transfer.
  • We have a reasonable basis for believing that unauthorized use of your password or account has occurred or may be occurring, or if you default under this Agreement, the Deposit Account Agreement, or any other agreement with us, or if you or we terminate this Agreement.

There may be other exceptions stated in this agreement and in other agreements with you. In no event shall we be liable for damages in excess of your actual monetary loss due to our failure to complete a transfer, and we will not be liable for any incidental or monetary damages. If any of the circumstances listed above shall occur, we shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incorrect transactions that have been processed.

Electronic Mail 

If you send Inland Bank and Trust an electronic mail message, Inland Bank and Trust will be deemed to have received it in the following business day. Inland Bank and Trust will have a reasonable time to act on your e-mail. You should not rely on electronic mail if you need to communicate with Inland Bank and Trust immediately.

You agree that Inland Bank and Trust may respond to you by electronic mail with regard to any matter related to the Internet Banking Service. Any such electronic mail sent to you by Inland Bank and Trust shall be considered received within three (3) days of the date sent by Inland Bank and Trust, regardless of whether or not you sign on to the Internet within that time frame.

Other Agreements 

This agreement shall apply to you, your heirs, and successors. In addition to this Agreement, you and Inland Bank and Trust agree to be bound by and comply with the requirements of the agreement applicable to each of your On-line Accounts. Your use of the On-line Banking Service is your acknowledgement that you have received these agreements and intend to be bound by them. You should review other disclosures received by you when you opened the account at Inland Bank and Trust, including charges that may be imposed for electronic funds transfers or the right to make transfers listed in the fee schedule section. We will automatically deduct any fees related to Internet Banking from your account monthly as disclosed in Inland Bank and Trust's Service Fee Schedule.

The agreement is governed under the laws of the State of Illinois, you and Inland Bank and Trust consent to the personal jurisdiction of the Federal and State courts in the State of Illinois in any action or proceedings brought in connection with this agreement.

Modifications to this Agreement 

Inland Bank and Trust may modify the terms and conditions applicable to either service from time to time upon mailing or delivering a notice of the modifications to you at the address shown on our account records, and the revised terms and conditions shall be effective at the earliest date allowed by applicable law. We may send any notice to you via electronic mail and you will have been deemed to have received it three (3) days after it is sent. We reserve the right to terminate this Agreement and your use of On-line Banking Services in whole or in part at any time without prior notice.

Disclosure of information to third parties 

We will disclosure information to third parties about your account or the transfers you make:

  • Where it is necessary for completing transfers.
  • To verify the existence and condition of your account for a third party, such as a credit bureau or merchant.
  • To comply with government or court orders, or other reporting requirements
  • If you give us your written permission, to an affiliated or other affiliated companies.

Inactivity / Termination 

You are responsible at all times for complying with all the terms of this agreement and with the terms of the agreement governing the deposit accounts which you access using electronic banking services. We can terminate your On-line Banking Service at any time without notice if you fail to pay any fee required by this agreement when due, if you do not comply with the agreement governing your deposit or loan accounts, or your accounts are not maintained in good standing. We will notify you if we terminate this agreement or your use of the services for any other reason.

We reserve the right to convert your account to inactive status if you do not sign on to the On-line Banking Service or have any transaction scheduled through the On-line Banking Service during any consecutive ninety- day (90) period. If your account is considered inactive, you must contact us to have the On-line Banking Service of Internet Bill-Pay Service activated before you will be able to schedule any transaction through the On-line Banking Service. To cancel On-line Banking or Bill Payment, you must notify Inland Bank and Trust and provide your name, address, and account number. You must indicate which service you are canceling and the effective date to stop the service. When Bill Payment is terminated, any pre- scheduled bill payments will also be cancelled. Customers will be bound by the provisions of the Automated Clearing House rules.

You may notify Inland Bank and Trust by one of the following methods:

  • By initiating a customer inquiry through our Web site.
  • By e-mailing us at info@inlandbank.com
  • By calling 630-908-6410, between 8:30 a.m. and 5:00 p.m., Monday through Friday.
  • By writing a letter and either sending it to the following address or giving it to a
    Customer Service Banker:

    Inland Bank and Trust
    Attention: Deposit Operations
    2805 W. Butterfield Road
    Oak Brook, IL 60523

 

 

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