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Online Banking Service Agreement and Disclosure

Free Willamette Community Bank Online Banking allows you access to your accounts over the Internet simply and securely at any time, day or night. You can keep track of your accounts and perform many convenient banking transactions from any Internet accessible computer at your home or office that would normally mean calling or visiting your nearest branch or ATM.

  • Online Banking;
  • Online Bill Pay;
  • Online Statement Delivery;
  • Transfer funds between eligible Activated Accounts that are deposit accounts at Willamette Community Bank;
  • Service requests for stop payments;
  • Transactions involving a line of credit account will be subject to your loan agreement and disclosures, as applicable.

General

This Internet Access Agreement ("Agreement") for accessing your Willamette Community Bank account(s) via the Internet explains the terms and conditions governing the Willamette Community Bank Internet Account Access Services and other banking services offered through Willamette Community Bank (collectively, the "Internet Account Access Services"). By using the Internet Account Access Services you agree to abide by the terms and conditions of this Agreement. This Agreement will be governed by and interpreted in accordance with federal law and regulation, and to the extent there is no applicable federal law or regulation, by the laws of the State of Oregon. The terms "our," "we," "us," "Willamette Community Bank," and "Bank" refers to Willamette Community Bank. "You" refers to each signer on an account. The term "bank business day" means Monday through Friday, excluding Federal and State of Oregon holidays.

Internet Account Access Services can be used to access products and accounts made available by Willamette Community Bank. The applicable account disclosure statement also governs each of your accounts.

Protecting Your Account

Notify us at once if you believe another person has improperly obtained your Internet Account Access Password. Also notify us if someone has transferred or you think someone may transfer money from your account without your permission, or if you suspect any fraudulent activity on your account. To notify us, call Willamette Community Bank at 1-541-926-9000 or write Willamette Community Bank, 333 Lyon Street SE, Albany OR 97321, Attention: Online Banking Department.

For Consumer Accounts: If you suspect someone has used your Internet Password without your permission to access a Willamette Community Bank deposit account and you tell us within two (2) bank business days after learning of the loss or theft, you can lose no more than $50. If you do NOT tell us within two (2) bank 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 of the disputed amount.

If your monthly statement shows withdrawals, transfers or purchases that you did not make or authorize, you must notify us at once. If you do not notify us within sixty (60) days after the account transaction detail information was transmitted or 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 there are extenuating circumstances that kept you from telling us, the time periods in this section may be extended.

Preventing Misuse - It is extremely important that you take an active role in the prevention of any wrongful use of your account. If you find that your records do not agree with ours, you must immediately call Willamette Community Bank at 1-541-926-9000.

Protect Your Internet Password - The password that is used to gain access to the Internet Account Access Services should be kept confidential at all times. For your protection we recommend that you change your Internet Password regularly. 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. If you believe that your Password may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, notify Willamette Community Bank at once.

Accessing Your Willamette Community Bank Accounts

Requirement - To access your account(s) through the Internet, you must have an eligible Willamette Community Bank account, enroll in the Internet Account Access Service, and have an Internet Password. In addition, you must have the required Internet secure browser software as defined by the Bank.

Fees - There are currently no monthly or transaction fees for accessing your account(s) through the Internet. However, fees, as described in the applicable Product or Account Disclosure or Schedule of Selected Service Fees, may apply to services ordered online and to transfers from a credit account. Please note that your Internet service provider may assess fees.

Online Statement Delivery Service – When you enroll in online delivery of deposit, loan or line of credit statements for your Activated Accounts, you will receive these official account statements online, together with an email alert notice advising you when the statement is available for viewing, subject to our "Federal E-Sign Act Disclosure and Consent".

Online Bill Pay Service – When you enroll in the Online Banking Service, and if you have an eligible checking account with us, you will be automatically enrolled in Online Bill Pay, our bill payment service. Online Bill Pay allows you to make payments in United States Dollars from your selected checking account (a "Payment Account"). You can only make payments to Payees with U.S.A. addresses. A "Payee" is a person or business you are paying. When using Online Bill Pay you must send your payment instructions to us at least five (5) business days before the "Due Date" for payments sent by check. It is your responsibility to schedule your payments in such a manner that payments are paid on time. Recurring payments must be the same amount each time. Any payment request you designate for a weekend or holiday will be made on the previous business day. You may change or cancel any requested payment you have scheduled in advance in accordance with this Agreement if you send your change or cancellation instructions via your Internet access equipment to us before the Cutoff Time on the Payment Transmittal Date for the applicable payment. Your changes or cancellation will not be accepted or processed by us after the applicable Cutoff Time. Cancellation of a requested payment is not a stop payment order, and there is no service charge for your change or cancellation. If there are insufficient funds in your payment account to make a payment you have authorized, we may either; refuse to make the payment; make the payment and transfer funds from an overdraft protection account you have established; or make the transfer or payment that may result in an overdraft on your account.

Terms and Conditions

Your Internet Password - You will be given or you will select an initial Internet Password. The first time you access your Willamette Community Bank account(s), you will be required to select a new Password. We recommend that you change your Password regularly and do not use your telephone number or birth date. You are authorizing Willamette Community Bank to act on instructions received under your Password. You are responsible for keeping your Password, account number(s) and other account data confidential at all times.

Our Liability - Except as specifically provided for this Agreement or where the law requires a different standard, you agree that neither the Bank nor the Internet Service Provider shall be responsible for any loss, property damage or bodily injury, whether caused by the Bank, equipment, software, or Internet access providers or any agent or subcontractor of any of the foregoing. Nor shall the Bank or the Internet 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 or Internet browser or access software.

Changes to Fees or Other Terms - We reserve the right to change the fees or other terms described in this Agreement. However, when changes are made to any fees, we will notify you online, or will send a notice to you at the address shown on our records. All notices will be sent at least thirty (30) days in advance of the effective date of the change, 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 written or electronic notice within thirty (30) days after the change. By continuing to use the accounts or services to which these changes relate, you are accepting the changes. The applicable Account Disclosure Statement governs changes to fees applicable to specific accounts.

Disclosure of Account Information - You authorize the Bank to disclose information you have provided or that we have obtained about your accounts to selected third parties. Such third parties may include agents of the Bank such as independent auditors, consultants, or attorneys; government agencies under court orders or regulations; to verify the existence and condition of your account for a third party such as a credit bureau or merchant; or if you give us your permission.

Other General Terms - In addition to this Agreement you agree to be bound by and will comply with the requirements of the applicable Account Disclosure, the Bank's rules and regulations, the rules and regulations of any funds transfer system to which the Bank belongs, and all applicable State and Federal laws and regulations. The Bank also agrees to be bound by them. The Bank reserves the right to terminate this Agreement and your access to the Internet Account Access Service in whole or in part, at any time without prior notice.

If you do not access your accounts via the Internet Account Access Service for any six (6) month period, the Bank reserves the right to disconnect your service without notice. You agree to be responsible for any telephone charges incurred for accessing your accounts through the Internet Account Access Service.

Cancellation – You may cancel one or more of the Services by notifying us. To notify us, call Willamette Community Bank at 1-541-926-9000 or write Willamette Community Bank, 333 Lyon Street SE, Albany OR 97321, Attention: Online Banking Department. We may require you to confirm your request in writing. We may cancel your access to all or any of the Services without notice. Cancellation of Online Bill Pay will stop both telephonic and online access to Online Bill Pay.

Other Information

Balance Inquiries and Transfers - You may use the service to check the balance of your accounts and to transfer funds among your electronic Accounts. In order to initiate one of these transactions, you must first use your Password to obtain access to the Service. The balance shown on your PC may include deposits still subject to verification by us. The balance shown also may differ from your records because it may not include deposits in progress, outstanding checks, or other withdrawals or charges. A request to transfer funds may not result in immediate funds availability because of the time required to process the files. The deadline for funds transfer requests is 8:00 p.m. Pacific Time for same bank business day availability. Any funds transfer requests received after 8:00 p.m. Pacific Time will not be processed until the following bank business day. If there are insufficient available funds in an Account from which you are requesting a funds transfer, the transfer will not be initiated. For monetary transfers, the accounts must have the same PIN number and must belong to the same "household" of accounts.

Statements - All of your payments and funds transfers made through the Service will appear on your monthly account statement(s).

Equipment - We are not responsible for any loss, damage or injury resulting from an interruption in your electrical power or telephone service; the disconnecting of your telephone line by your local telephone company or from deficiencies in your line quality; or any defect or malfunction of your PC, modem, or telephone line. We are not responsible for any services relating to your PC other than those specified in this Agreement. If any equipment failure occurs in any way relating to your PC, modem, telephone line, Willamette Community Bank is not responsible.

Business Days/Hours of Operation - Our business days are Monday through Friday, except bank holidays. The service is available 24 hours a day, seven days a week, except during maintenance periods for scheduling, modification, or for review of funds transfers and balance inquiries.

By clicking I Agree below, I certify that: (i) I am an authorized signer on all accounts listed; (ii) I have read and agree to the terms set forth in the disclosure(s) and Internet Agreement(s); (iii) I understand that Internet Banking account security is controlled by the Login ID and the Password assigned by the Bank; (iv) I authorize Willamette Community Bank to issue a temporary Password which I will be required to change the first time I login. I agree to defend, hold harmless and indemnify Willamette Community Bank from and against any and all claims of any nature arising out of any such access by a person I have authorized, permitted or enabled to have access to my Willamette Community Bank accounts via the Internet Banking Services.

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