First National Bank of Buhl

First National Bank of Buhl

Internet Banking Agreement

WHAT THIS AGREEMENT COVERS

This Internet Banking Agreement (“Agreement”) contains the terms and conditions that apply when you use Internet Banking Services offered to you by First National Bank of Buhl.  This Agreement is subject to applicable federal laws and the laws of the State of Minnesota (except to the extent this Agreement can and does vary from such rules or laws). 

You may use our Internet Banking Services to access your Accounts through the Internet.  The Services section below describes the Internet Banking Services available for your use and governed by this agreement.

Definitions

As used in this Agreement, the words “you”, “your” and “yours” refer to the Account holder authorized by First National Bank of Buhl to use Internet Banking Services under this Agreement and anyone else authorized by the Account holder to exercise control over the Account holder’s funds through Internet Banking Services. 

The words “we”, “us”, and “our” mean First National Bank of Buhl. 

The word “Authorized Representative” refers to a person with authority of any kind with respect to an Account, an Internet Banking Service, or any transaction.

The word “Account(s)” means any one or more Accounts you have with First National Bank of Buhl, including deposit or loan Accounts.

The words “Internet Banking Services” or “Service(s)” means the services provided pursuant to this Agreement, and may include Internet Banking, along with any service available to you when using Internet Banking.

The word “Payee” means anyone, including the Bank, you designate, and the Bank accepts as a payee.

Accepting this Agreement

You understand that by using Internet Banking Services you, jointly and severally, agree to the terms and conditions of this Agreement and any amendments, and that no written signature by you is required on this Agreement.  Clicking “I Accept” constitutes your acceptance of this Agreement.  You agree to use these Services solely as provided in this Agreement and any applicable online instructions.  When any transfer, payment, or Service generates items to be charged to your Account, you agree that we may debit your Account without requiring your signature on the item and without prior notice to you.

Your Accounts and Account Agreements

Each First National Bank of Buhl product you have with us is called an “Account”.  Accounts include deposit and loan Accounts.  Your Accounts will continue to be subject to the agreements otherwise governing them, except where it is noted in this Agreement.  Joint Account Owners have the right to any information or to make any request associated with their Account.  Please refer to the Account agreements and disclosures previously provided to you.  In addition to this Agreement and any other Account agreements, the terms and conditions of our Security Statement and Electronic Funds Transfer disclosure continue to apply to your Accounts.

In addition, each Account and Internet Banking Service shall be subject to the terms or instructions appearing on the screen when using an Internet Banking Service; our policies and procedures that apply to each Account and Internet Banking Service; the rules and regulations of any funds transfer system used in connection with an Internet Banking Service; and applicable state and federal regulations and laws.

Change in Terms/Fees

We may change Internet Banking Services and the terms, including fees, set forth in this Agreement at any time.  We will notify you of any such changes, as required by applicable law, either by mail or by an electronic message.  When you use the Services as they change or become available, you agree to the rules governing those Services, including any changes.

Account Access

To use Internet Banking Services, you must have an Account at First National Bank of Buhl, and access to internet services.  You are solely responsible for having the required hardware and software and for securing an internet service provider. 

You will generally be able to access your Accounts at fnbob.onlinesecurebanking.com, seven days a week, 24 hours a day.  We will not be responsible for any errors or failures involving any telephone services, internet service, software installation or your computer.  To access Internet Banking Services, you must have an Access ID and Password. 

At certain times, Internet Banking Services may not be available due to system maintenance or circumstances beyond our control.  If this occurs, you may obtain information about your Accounts at any of our First National Bank of Buhl locations or via an automated teller machine “ATM”. 

Security of Access ID and Password

You are responsible for transactions and other activities that occur using your Access ID and Password, including those transactions and activities that may be initiated by anyone using your Access ID and Password.  You are responsible for keeping your Access ID and Password confidential, and for ensuring that you have logged out when your session is complete to prevent unauthorized persons from accessing your information.  We are not obligated to monitor transactions through Internet Banking Services to determine that they are made on behalf of the Account holder. 

Contact us immediately if you believe that your Password, your computer or software has been lost or stolen, or that someone may attempt to use your Internet Banking Services without your consent by calling (218)749-3190, or fax us at (218)748-6688 or e-mail us at webmaster@fnbob.com  We may request that you provide us with a written statement which could be mailed to us at:  First National Bank of Buhl, Internet Banking, 8355 Unity Drive, PO Box 382, Mountain Iron, MN  55768. 

No Illegal Use

You agree not to use First National Bank of Buhl’s Internet Banking Services to conduct any business or activity or solicit the performance of any activity, which is prohibited by law or any contractual provision by which you are bound.  You agree to comply with all applicable laws, rules, and regulations in connection with Internet Banking Services. 

You agree to provide true, accurate, current, and complete information about yourself as requested, and you agree to not misrepresent your identity.

Electronic Mail (E-mail)

One way of communicating with us is by sending an e-mail.  Internet Banking Services provide forms for you to contact us.  Never send us your Access ID, Password, social security number or other sensitive Account information in an e-mail.  We may not immediately receive e-mail communications that you send, and we will not take action based on e-mail request until we actually receive your message and have a reasonable opportunity to act.  You cannot use e-mail to initiate transactions on your Accounts.  If you need to contact us immediately, please call us at (218)749-3190.  

SERVICES

INTERNET BANKING SERVICE

Services and Account Accessibility

By accessing Internet Banking at fnbob.onlinesecurebanking.com you may access your Account information, including balance information and transaction history, initiate transfers between your Accounts and make payments on your loans. The balances and transaction information that you obtain through Internet Banking is current through the close of business on the preceding business day.  A transfer completed before the transfer cutoff time on a business day will be posted to your Account the same day.  All transfers completed after the transfer cutoff time on a business day or on a day that is not a business day, will be posted on the next business day.  The transfer cutoff time is 6:00 p.m. (Central Time) Monday-Friday. 

All your Accounts will be linked by means of the name of all individual owners or authorized representatives who have authority to access those Accounts and the portfolio number associated with the Accounts.  Each owner will be able to access, view and conduct transaction in all of the linked Accounts.  If your Account(s) is owned by more than one person, or is accessible by one or more Authorized Representatives, each needs a unique Access ID and Password.  The terms of this Agreement will apply to each person.  Transactions involving your deposit Accounts will be subject to the terms of your Account agreement and transactions involving loan Accounts will be subject to your loan agreement and disclosures, if applicable.

Access ID, Password and Security

You must use a confidential Access ID and Password to access Internet Banking services.  During your first logon session, you will be required to change your Password.  Your Access ID is case sensitive and must be a minimum of 6 and a maximum of 17 characters.  Once you have selected your Access ID you will not be allowed to change it.  The Password is case sensitive, must be a minimum of 8 and a maximum of 17 characters, and must include 1 UPPERCASE, 1 number, and 1 special character.  We recommend that you change your Password periodically.  The Access ID and Password rules are designed to protect you.  You are responsible for maintaining the confidentiality of your Access ID and Password.  You agree not to disclose or otherwise make your Access ID and Password known to anyone.  For security purposes, we recommend that you memorize your Access ID and Password and do not write them down. 

Business Days

Our business days are Monday through Friday, except bank holidays.  Transfers are processed by us on business days only.  You may contact us to inquire if a given holiday is determined by us to be a business day.

Statements

You will continue to receive your regular bank statements for all of your checking and savings and line of credit Accounts.  All of your daily transaction activity and payment transfers will also appear on Internet Banking and on your Account statement(s) that will be mailed to you.

ELECTRONIC FUNDS TRANSFER FOR CONSUMERS

APPLICABILITY – The provisions in this section apply only to electronic fund transfers (an “EFT”) that debit or credit a consumer’s checking, savings or other asset Account and are subject to the Federal Reserve Board’s Regulation E. 

YOUR LIABILITY – Your liability for an unauthorized EFT or a series of related unauthorized EFTs will be determined as follows:

1.       If you notify us within two business days after learning of the loss or theft of your password, your liability will not exceed the lesser of $50 or the amount of unauthorized EFTs that occur before notice to us.

2.       If you fail to notify us within two business days after learning of the loss or theft of your password, your liability will not exceed the lesser of $500 or the sum of:

  • $50 or the amount of unauthorized EFTs that occur within the two business     days, whichever is less; and
  • the amount of unauthorized EFTs that occur after the close of two business days and before notice to us, provided we establish that these EFTs would not have occurred had you notified us within that two-day period.

3.      You must report an unauthorized EFT that appears on a periodic statement within 60 days of our transmittal of the statement to avoid liability for subsequent transfers.  If you fail to do so, your liability will not exceed the amount of the authorized EFTs that occur after the close of the 60 days and before notice to us, and that we establish would not have occurred had you notified us within the 60-day period.  You may, as applicable, also be liable for the amounts described in the immediately preceding sections 1 or 2 above. 

4.      If you delay in notifying us was due to extenuating circumstances, we will extend the time specified in the immediately preceding paragraphs 1, 2 or 3 above to a reasonable period. 

5.      You may notify us in person, by telephone, by fax, or in writing.

TELEPHONE NUMBER AND ADDRESSES – The telephone number and address of the person or office to be notified when you believe that an unauthorized EFT has been or may be made are:

          (218)749-3190, Monday through Friday, 8:00 a.m. to 5:00 p.m.

 First National Bank of Buhl

Customer Service Department

8355 Unity Drive, PO Box 382

Mountain Iron, MN  55768

LIABILITY

YOUR LIABILITY

You authorize us to credit or charge your Accounts for all payments and transfers initiated through any Internet Banking Service under your Access ID and Password.  You are liable for all of these transactions and for all unauthorized transactions to the extent permitted by applicable state and federal law.

OUR LIABILITY

Our liability to you is explained in any agreements, notices and disclosures that we separately provide to you from time to time regarding your Accounts and Internet Banking Services. This section explains our liability to you only to the extent that our liability has not been separately disclosed to you by any of these agreements, notices, or disclosures. 

IN NO EVENT WILL WE HAVE LIABILITY FOR ANY CONSEQUENTIAL, SPECIAL, PUNITIVE OR INDIRECT LOSS OR DAMAGE WHETHER OR NOT ANY CLAIM FOR SUCH DAMAGES IS BASED ON TORT OR CONTRACT OR WE KNEW OR SHOULD HAVE KNOWN THE LIKELIHOOD OF SUCH DAMAGES IN ANY CIRCUMSTANCES.

We will not be obligated to honor, in whole or in part, any transaction or instruction which:

  • is not in accordance with any term or condition applicable to the relevant Service in this Agreement or Account;
  • we have reason to believe may not be authorized by you or any third person whose authorization we believe is necessary or involves funds subject to hold, dispute, restriction or legal process we believe prevents their withdrawal;
  • would violate any applicable provision of any risk control program of the Federal Reserve guidelines;
  • is not in accordance with any other requirement of our applicable policies, procedures, or practices; or
  • we have reasonable cause not to honor for our or your protection.

YOUR INDEMNIFICATION

Except to the extent that we are liable under the terms of this Agreement or any other agreement or notice, you agree to hold us, our directors, officers, employees, and agents harmless from all loss, liability, claims, demands, judgments and expenses arising out of or in any way connected with your Accounts or the performance of an Internet Banking Service.  This indemnification is provided without regard to whether our claim for indemnification is due to the use of Internet Banking Services by you or your Authorized Representative.

GENERAL PROVISIONS

Disclosure of Information

The circumstances under which we will disclose information about you or your Accounts, have been separately disclosed to you in our Privacy Statement which has been provided separately to you and is available at fnbob.onlinesecurebanking.com.

Termination

You agree that we may terminate this Agreement and/or your access to Internet Banking Services, in whole or in part, at our discretion, at any time.  If you do not access your Accounts via Internet Banking for any three (3) month period, we may terminate your service.  If an Internet Banking Service is considered inactive, you must contact us to have the Service activated.  If you wish to cancel any of your Internet Banking Services, contact First National Bank of Buhl at (218)749-3190 or send cancellation instructions to:

 First National Bank of Buhl, Internet Banking, 8355 Unity Drive, PO Box 382, Mountain Iron, MN  55768 

Assignment

We may assign our rights and delegate our duties under this Agreement to a company affiliated with us or to any other party.  We may also assign or delegate certain of our rights and responsibilities under this Agreement to independent contractors or other third parties. 

Governing Laws

This Agreement shall be governed by and construed in accordance with all applicable federal laws and all applicable laws of the State of Minnesota.  You understand that we must comply with these laws, regulations, and rules.  You agree that if there is any inconsistency between the terms of the Agreement and any applicable law, regulation, or rule, the terms of this Agreement will prevail to the extent any such law, regulation, or rule, may be modified by agreement between us.

Fees

There are no monthly fees for accessing Internet Banking.  Additional fees including but not limited to Account research, transfers, or stop payment orders will be assessed as published in First National Bank of Buhl’s Service Fee Schedule.  Other fees may be assessed and billed separately by your internet and/or telephone service provider.  The fees that have been separately disclosed to you in connection with your Account(s) will continue to apply to those Account(s).

Revised:  March 1, 2018

Member FDIC

Mobiliti Terms & Conditions

Terms and Conditions: The First National Bank of Buhl Thank you for using The First National Bank of Buhl Mobile Banking combined with your handheld’s text messaging capabilities. Message & Data rates may apply. For help, text “HELP” to 99588. To cancel, text “STOP” to 99588 at any time. In case of questions please contact customer service at (218) 749-3190 or visit https://fnbob.com/. The First National Bank of Buhl Privacy Policy Terms and Conditions • Program: The First National Bank of Buhl offers their customers mobile access to their account information (e.g., for checking balances and last transactions) over SMS, as well as the option to set up alerts for their accounts (e.g., low balance alerts). Enrollment requires identification of the user’s banking relationship as well as providing a mobile phone number. The mobile phone number’s verification is done by the user receiving an SMS message with a verification code which they will have to enter on the website. Additionally, customers may select the type of alerts and other preferences which will determine, together with their account data, the frequency of alerts delivered to the customer. This program will be ongoing. Message & Data rates may apply. Customers will be allowed to opt out of this program at any time. • Questions: You can contact us at (218) 749-3190 or send a text message with the word “HELP” to this number: 99588. We can answer any questions you have about the program. • To Stop the program: To stop the messages from coming to your phone, you can opt out of the program via SMS. Just send a text that says “STOP” to this number: 99588. You’ll receive a one-time opt-out confirmation text message. After that, you will not receive any future messages. • Terms & Conditions: By participating in Mobile Banking, you are agreeing to the terms and conditions presented here. • Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS. Mobile Banking and any software you may obtain from Mobile Banking (“Software”) may not be available at any time for any reason outside of the reasonable control of The First National Bank of Buhl or any service provider. Privacy and User Information. You acknowledge that in connection with your use of Mobile Banking, The First National Bank of Buhl and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files, data about your usage of the service (such as session length, number of transactions and geolocation), and other data and information provided by you or from other sources in connection with Mobile Banking or the Software (collectively “User Information”). The First National Bank of Buhl and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver Mobile Banking, perform analytics to improve the service, and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you. The First National Bank of Buhl and its affiliates and service providers also reserve the right to monitor use of Mobile Banking and the Software for purposes of verifying compliance with the law, these terms and conditions and any applicable license, but disclaim any obligation to monitor, filter, or edit any content. Restrictions on Use. You agree not to use Mobile Banking or the Software in or for any illegal, fraudulent, unauthorized, or improper manner or purpose and will only be used in compliance with all applicable laws, rules and regulations, including all applicable state, federal, and international Internet, data, telecommunications, telemarketing, “spam,” and import/export laws and regulations, including the U.S. Export Administration Regulations. Without limiting the foregoing, you agree that you will not use Mobile Banking or the Software to transmit or disseminate: (i) junk mail, spam, or unsolicited material to persons or entities that have not agreed to receive such material or to whom you do not otherwise have a legal right to send such material; (ii) material that infringes or violates any third party’s intellectual property rights, rights of publicity, privacy, or confidentiality, or the rights or legal obligations of any wireless service provider or any of its clients or subscribers; (iii) material or data, that is illegal, or material or data, as determined by The First National Bank of Buhl (in its sole discretion), that is harassing, coercive, defamatory, libelous, abusive, threatening, obscene, or otherwise objectionable, materials that are harmful to minors or excessive in quantity, or materials the transmission of which could diminish or harm the reputation of The First National Bank of Buhl or any third-party service provider involved in the provision of Mobile Banking; (iv) material or data that is alcoholic beverage-related (e.g., beer, wine, or liquor), tobacco-related (e.g., cigarettes, cigars, pipes, chewing tobacco), guns or weapons-related (e.g., firearms, bullets), illegal drugs-related (e.g., marijuana, cocaine), pornographic-related (e.g., adult themes, sexual content), crime-related (e.g., organized crime, notorious characters), violence-related (e.g., violent games), death-related (e.g., funeral homes, mortuaries), hate-related (e.g. racist organizations), gambling-related (e.g., casinos, lotteries), specifically mentions any wireless carrier or copies or parodies the products or services of any wireless carrier; (v) viruses, Trojan horses, worms, time bombs, cancelbots, or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data, or personal information; (vi) any material or information that is false, misleading, or inaccurate; (vii) any material that would expose The First National Bank of Buhl, any third-party service provider involved in providing Mobile Banking, or any other third party to liability; or (viii) any signal or impulse that could cause electrical, magnetic, optical, or other technical harm to the equipment or facilities of Fiserv or any third party. You agree that you will not attempt to: (a) access any software or services for which your use has not been authorized; or (b) use or attempt to use a third party’s account; or (c) interfere in any manner with the provision of Mobile Banking or the Software, the security of Mobile Banking or the Software, or other customers of Mobile Banking or the Software; or (d) otherwise abuse Mobile Banking or the Software. Use of Google Maps: You agree to abide by the Google terms and conditions of use found at http://maps.google.com/help/terms_maps.html and the Google Legal Notices found at https://www.google.com/help/legalnotices_maps/, or other URLs as may be updated by Google. Card Controls Additional Terms. The following supplemental Terms of Use (“Supplement”) applies to the card controls feature (“Card Controls”) within the Mobile Banking mobile application (“Mobile Banking App”), notwithstanding anything in the Agreement to the contrary. The Supplement only applies to Card Controls. If Card Controls are not available to you, then this Supplement does not apply. To the extent there is any conflict between the terms of the Agreement and this Supplement with respect to Card Controls, then the terms in this Supplement shall apply. 1. The Card Controls feature is only available for debit cards issued by The First National Bank of Buhl that you register within the Mobile Banking App. 2. The Card Controls alerts and controls you set through use of the Mobile Banking App may continue to apply, even if you delete the Mobile Banking App or remove it from your mobile device. Please contact The First National Bank of Buhl to discontinue the alerts and controls. 3. Certain Card Control functionality within the Mobile Banking App may not be available for all transactions. Controls and alerts based on the location of the mobile device where the Mobile Banking App is installed or the location of the merchant where the card is being attempted for use may not apply appropriately to card-not-present transactions or transactions where the actual location of the merchant differs from the merchant’s registered address. 4. Card Controls may enable access to The First National Bank of Buhl and third parties’ services and web sites, including GPS locator websites, such as Google’s. Use of such services may require Internet access and that you accept additional terms and conditions applicable thereto. 5. To the extent this Mobile Banking App allows you to access third party services, The First National Bank of Buhl, and those third parties, as applicable, reserve the right to change, suspend, remove, or disable access to any of those services at any time without notice. In no event will we be liable for the removal of or disabling of access to any such services. We may also impose limits on the use of or access to certain services, in any case and without notice or liability. 6. THE MOBILE BANKING APP, THE SERVICES AND RELATED DOCUMENTATION ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON- INFRINGEMENT. IN PARTICULAR, WE DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO ANY PART OF OUR SERVICE, AND OPERATION OF THE MOBILE BANKING APP OR THE SERVICES MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL. SOME STATES DO NOT ALLOW THE DISCLAIMER OF CERTAIN IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU TO THE EXTENT THEY ARE PROHIBITED BY STATE LAW. 7. Limitation of Liability. YOU ACKNOWLEDGE AND AGREE THAT FROM TIME TO TIME, THE MOBILE BANKING APP AND THE SERVICES MAY BE DELAYED, INTERRUPTED OR DISRUPTED FOR AN INDETERMINATE AMOUNT OF TIME DUE TO CIRCUMSTANCES BEYOND OUR REASONABLE CONTROL, INCLUDING BUT NOT LIMITED TO ANY INTERRUPTION, DISRUPTION OR FAILURE IN THE PROVISION OF THE SERVICES, WHETHER CAUSED BY STRIKES, POWER FAILURES, EQUIPMENT MALFUNCTIONS, INTERNET DISRUPTION OR OTHER REASONS. IN NO EVENT SHALL WE OR OUR AFFILIATES OR LICENSORS OR CONTRACTORS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICES THAT IS CAUSED BY OR ARISES OUT OF ANY SUCH DELAY, INTERRUPTION, DISRUPTION OR SIMILAR FAILURE. IN NO EVENT SHALL WE OR OUR AFFILIATES OR LICENSORS OR CONTRACTORS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES, OR LOSS OF GOODWILL OR LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE MOBILE BANKING APP, OR THE SERVICES, OR THE WEBSITES THROUGH WHICH THE MOBILE BANKING APP OR THE SERVICE OFFERED, EVEN IF SUCH DAMAGES WERE REASONABLY FORESEEABLE AND NOTICE WAS GIVEN REGARDING THEM. IN NO EVENT SHALL WE OR OUR AFFILIATES OR LICENSORS OR CONTRACTORS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE BE LIABLE FOR ANY CLAIM, ARISING FROM OR RELATED TO THE MOBILE BANKING APP, THE SERVICES OR THE WEBSITE THROUGH WHICH THE APP OR THE SERVICES IS OFFERED, THAT YOU DO NOT STATE IN WRITING IN A COMPLAINT FILED IN A COURT OR ARBITRATION PROCEEDING WITHIN TWO (2) YEARS OF THE DATE THAT THE EVENT GIVING RISE TO THE CLAIM OCCURRED. THESE LIMITATIONS WILL APPLY TO ALL CAUSES OF ACTION, WHETHER ARISING FROM BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY. OUR AGGREGATE LIABILITY, AND THE AGGREGATE LIABILITY OF OUR AFFILIATES AND LICENSORS AND CONTRACTORS AND THE EMPLOYEES AND CONTRACTORS OF EACH OF THESE, TO YOU AND ANY THIRD PARTY FOR ANY AND ALL CLAIMS OR OBLIGATIONS RELATING TO THIS AGREEMENT SHALL BE LIMITED TO DIRECT OUT OF POCKET DAMAGES UP TO A MAXIMUM OF $500 (FIVE HUNDRED DOLLARS). SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. 8. Unless our account agreement with you states otherwise, this Agreement shall be governed by and construed in accordance with the laws of the State in which you reside, without regard to its conflicts of laws provisions. To the extent that the terms of this Agreement conflict with applicable state or federal law, such state or federal law shall replace such conflicting terms only to the extent required by law. Unless expressly stated otherwise, all other terms of this Agreement shall remain in full force and effect. Alerts Additional Terms. The following Alerts terms and conditions (“Alerts Terms of Use”) only apply to the Alerts feature (as defined below). If Alerts are not available to you, then this Alerts Terms of Use does not apply. To the extent there is any conflict between the terms of the Agreement and this Alerts Terms of Use with respect to Alerts, then the terms in this Alerts Terms of Use shall apply. Alerts. Your enrollment in The First National Bank of Buhl Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your The First National Bank of Buhl account(s). Alerts are provided within the following categories: • Mandatory Alerts provide you with important account notifications, such as information about changes to your Online Banking password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts. • Account Alerts provide you with notification of important account activities or when certain changes are made to your Service accounts. These Alerts are automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not do so because they provide important information related to your Service accounts. • Additional Alerts must be activated by you to be enabled. These Additional Alerts can be accessed from the More menu within The First National Bank of Buhl Mobile Banking. Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts through your mobile device. We may add new Alerts from time to time or cancel old Alerts. We usually notify you when we cancel Alerts but are not obligated to do so. The First National Bank of Buhl reserves the right to terminate its alerts service at any time without prior notice to you. Methods of Delivery. We may provide Alerts through one or more channels (“EndPoints”): (a) a mobile device, by text message; (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your The First National Bank of Buhl Online Banking message in-box, by an e-mail message. You agree to receive Alerts through these EndPoints, and it is your responsibility to determine that each of the service providers for the EndPoints described in (a) through (c) above supports the email, push notification, and text message Alerts provided through the Alerts service. Please be advised that text or data charges or rates may be imposed by your EndPoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you Alerts. If your email address or your mobile device’s number changes, you are responsible for informing us of that change. Your Alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number. Alerts via Text Message. To stop Alerts via text message, text “STOP” to 99588 at any time. Alerts sent to your primary email address will be unaffected by this action. To restore Alerts on your mobile phone, just visit the Alerts tab in The First National Bank of Buhl Online Banking and click the box next to your mobile number for the Alerts you’d like to receive again. For help with SMS text alerts, text “HELP” to 99588. In case of questions please contact customer service at (218) 749-3190. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS. Limitations. The First National Bank of Buhl provides Alerts as a convenience to you for information purposes only. An Alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide Alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any Alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside The First National Bank of Buhl’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold The First National Bank of Buhl, its directors, officers, employees, agents and service providers liable for losses or damages, including attorneys’ fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose. Alert Information. As Alerts delivered via SMS, email and push notifications are not encrypted, we will never include your passcode or full account number. You acknowledge and agree that Alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your Alerts will be able to view the contents of these messages. https://fnbob.com/wp-content/uploads/2017/04/FNBOB-PrivacyNotice-2010-12.pdf Privacy and User Information – Data Analytics. You acknowledge that in connection with your use of Mobile Banking, The First National Bank of Buhl and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive data about your usage of the service (such as session length, number of transactions and geolocation), and other data and information provided by you or from other sources in connection with Mobile Banking or the Software. The First National Bank of Buhl and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver Mobile Banking, perform analytics to improve the service, and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you. Biometric Login for Mobile Banking. Biometric login is an optional biometric sign-in method for The First National Bank of Buhl Mobile Banking that may be available for certain mobile devices that have a built-in biometric scanner. To use biometric login, you will need to first save your fingerprint/facial feature scan on your mobile device (for more help with biometric scanning, contact the manufacturer that supports your mobile device). Biometrics are stored on your device only and The First National Bank of Buhl never sees or stores your biometric information. You acknowledge that by enabling biometric login, you will allow anyone who has biometric information stored on your device access to your personal and payment account information within The First National Bank of Buhl Mobile Banking. The First National Bank of Buhl reserves the right to suspend or disable this feature at any time. Biometric login can only be associated with one Mobile Banking username at a time on a device. If your device doesn’t recognize your biometric information, you can sign in using your standard login credentials (e.g., password). To use biometric login for Mobile Banking on multiple devices, you will need to set it up for each device. You can enable or disable biometric login anytime within The First National Bank of Buhl Mobile Banking.

Mountain Iron, MN

8355 Unity Drive - PO Box 382 - Mountain Iron, MN 55768
Phone: (218) 749-3190 - Fax: (218) 749-3195

Buhl, MN

702 Seville Ave. - PO Box 706 - Buhl, MN 55713
Phone: (218) 258-3213 - Fax: (218) 258-4310




FIRST NATIONAL BANK OF BUHL
Children’s Online Privacy Protection Act (COPPA)
We do not knowingly collect personal information from individuals under the age of 13 without obtaining verifiable consent from their parents. We request that such individuals do not provide personal information through the services. For more information about the Children’s Online Privacy Protection Act (COPPA), visit the FTC website

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Privacy Notice

Federal law requires us to tell you how we collect, share, and protect your personal information. Our privacy policy has not changed and you may review our policy and practices with respect to your personal information here or we will mail you a free copy upon request if you call us at 218-749-3190.

Update to Regulation CC Thresholds

Starting July 1st 2020, inflation adjustments will impact the thresholds to “Regulation CC” as following:

  • $200 is changing to $225 (Note: the $200 amount is still referred to $100 in Reg CC). This amount is used on case-by-case holds and will impact most financial institutions.
  • $5,000 is changing to $5,525. This amount is used on certain special exception holds, such as large deposit holds, new account holds, and repeatedly overdrawn holds. This change will also impact most financial institutions.

Lost or Stolen ATM Card?

For lost or stolen Instant Cash and Check cards, please contact us at 218-749-3190.

After hours, please contact Instant Cash stolen card support at 800-535-8440 or 612-316-1484.