Internet Banking Terms and Conditions
a. if, through no fault of ours, you do not have enough money in your account to make the transferb. if the money in your account is subject to legal process or other encumbrances restricting transfer;c. if the transfer would go over the credit limit on your overdraft line (if any);d. if the system was not working properly when you started the transfer;e. if circumstances beyond our control (such as fire or flood or systems failure) prevent the transfer, despite reasonable precautions that we have taken
For all entries except ARC, BOC, RCK, POP, Single-Entry WEB and TEL entries, a customer may stop the payment of a debit entry initiated or to be initiated to a Consumer Account of the Customer by providing either verbal or written notification to BANK at least three business days before the scheduled date of the transfer. A BANK may honor a stop payment order received within the three-business-day limit prescribed above, and, if it honors such a request, BANK has no resultant liability or responsibility to any Originator, ODFE or other person having any interest in the entry. For ARC, BOC, RCK, POP, Single-Entry WEB and TEL entries, the stop payment order must be provided to BANK at such time and in such manor as to allow BANK a reasonable opportunity to act upon the stop payment order prior to acting on the debit entry. BANK may require written confirmation of a verbal stop payment order within 14 days, provided that BANK notifies the Customer of this requirement and provides an address to which the written confirmation should be sent at the time the verbal order is provided.
If the Customer instructs the Bank to stop all future payments pursuant to a specific authorization involving a specific Originator, the Bank may require the Customer to confirm in writing that the Customer has revoked the authorization given to the Originator.
A stop payment order will remain in effect until the earlier of (1) the withdrawal of the stop payment order by the Customer, or (2) the return of the debit entry, or, where a stop payment order is applied to more than one debit entry under a specific authorization involving a specific Originator, the return of all such debit entries
First State Bank NebraskaAttention: Electronic Banking DepartmentP.O. Box 6428 Lincoln, NE 68516as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction listed 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 problem or error appeared.You will need to:a. tell us your name and Account number (if any)b. describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information; andc. tell us the dollar amount of the suspected error. If you tell us verbally, we may require you to send us your complaint or question in writing within 10 business days following the date you notified us.We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 business days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days 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. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 business days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents we used in our investigation.