read and accept the First Coweta Bank Online Banking Terms and Conditions
Agreement to continue to the First Coweta Bank Online Banking Web Site.
Banking Terms and Conditions Agreement
First Coweta Bank Online Banking Service is available to all of our
customers at no monthly charge for the account information and transfer
services. You can also sign up for bill payment service at no additional
monthly cost. Bill Payment service does require bank approval
and set-up. Inquire about Online Banking and Bill Payment Service when
you open your account or you may add them at any time by coming in
to First Coweta Bank at 61 Bullsboro Drive Newnan, Georgia 30263.
II. Accessing Your Account, Security and Your Responsibilities
Password and Login Security
Your Rights and Responsibilities
III. Online Banking Services and Limitations
Hours of Accessibility
Limits on Frequency and Amount of Transfers
Balance and Transaction Information
Account Information and Transfers
Unavailable, Delayed, or Inaccurate Account Information
Limits on Frequency and Amount of Transfers
IV. Optional Bill Payment
Bill Pay Procedure
Allow Sufficient Time for Your Payments
Termination of Bill Payment
Bill Payment Fees
Joint Account Holders
V. Changes to Fees, Charges and Other Terms
VI. Additional Electronic Fund Transfer Disclosures and
VII. Limitations on Bank Liability
VIII. Other Provisions
This Online Banking Terms and Conditions Agreement ("Agreement")
is a contract between you and First Coweta Bank that outlines and governs
the Terms and Conditions for accessing your personal and commercial accounts
via First Coweta Bank's Online Banking Service provided by the Entrust Retail Processing Network.
Automatic Bill Transfer
This Agreement also includes and incorporates the disclosures required
by the Electronic Fund Transfers Act (15 USC 1693 et seq.). This Agreement
applies only to the First Coweta Bank Online Banking Service. Other electronic
fund transfers to or from your accounts at First Coweta Bank are governed
by the Electronic Fund Transfer Disclosure provided to you when you established
your account or when you requested other electronic fund transfer services.
In order to use First Coweta Bank's Online Banking Service, you must accept
these terms and conditions. By clicking on the "I Agree" button
at the end of this Agreement, you agree to abide by all the terms and
conditions of this Agreement and acknowledge your receipt and understanding
of this Agreement. Please read this Agreement carefully and print a copy
for your records. This Agreement is governed by federal laws and regulations
and, to the extent not preempted by federal law, by laws and regulations
of the State of Georgia.
Some of the terms set forth in this Agreement, as specified in this Agreement,
apply only to Consumer Accounts. A "Consumer Account" is an
account held by a natural person and used primarily for personal, family
or household purposes.
The term "Business Day" means Monday through Friday, excluding
federal banking holidays.
II. Accessing Your Accounts, Security and Your Responsibilities.
Password and Login
Security: Security is very important to First Coweta Bank. In order
to activate your Online Banking Service, you must have at least one checking,
savings, certificate of deposit or loan account with First Coweta Bank.
When you login to the service for the first time, you will
use a temporary access code and a temporary password, both of which will
be provided to you. You will then be prompted to choose
a new "Access ID" and a new "Password." Because your
password is used to access your accounts, you should treat it as you would
any other sensitive personal data. You should carefully select a password
that is hard to guess. Keep your password safe. Memorize your password
and never tell it to anyone. You should not under any circumstances disclose
your password by telephone or to anyone claiming to represent First Coweta
Bank. Bank employees do not need and should not ask for your password.
First Coweta Bank
is entitled to act on instructions received through online banking under
your password and without inquiring into the identity of the person using
that password. Any person having access to your First Coweta Bank online
banking password will be able to access the Online Banking Services and
perform all transactions, including reviewing account information and
making transfers to other accounts which have mutual ownership. You are
liable for all transactions made by persons authorized to use your password.
If, despite the Bank's
advice, you give your password to anyone, you do so at your own risk since
anyone to whom you give your password or other means of access will have
full access to your account(s) even if you attempt to limit that person's
We strongly urge you
to change your password every 90 days. This can be done at any time, after
you are logged in, from the "Options" menu.
Once you login as
a first time user, you will be required to change the initial access ID
and password and select an access ID and password known only to you.
- The Access ID you
select may be any combination of alpha/numeric characters, from six
(6) to sixteen (16) digits.
- The password criteria
is as follows:
- Minimum Password
- Maximum Password
- Number of
Alpha Characters Required 2
- Number of
Numeric Character Required 2
- Access IDs and
Passwords are case sensitive (must be entered exactly as input with
upper and/or lower case characters).
- Passwords can be
changed at any time by the accountholder, and by any other person to
whom the accountholder provides the password, through the First Coweta
First Coweta Bank
utilizes Multifactor Authentication as part of our log-on security.
The first time you log on to Online Banking, you will see a security
image appear on the screen and you will be asked to enter a password
phrase. The password phrase can be one word or a number of words and
does not have to be relevant to the security image. It needs to be
something that you will easily recognize. Each time you log on and
key in your Access ID, you will see your security image and password
phrase and know that you are on the authentic bank site. Only at this
time should you enter your password. When you log on for the first
time, you will also need to answer three security questions and register
your computer, if it is your personal computer and not a public computer.
Thereafter, if the computer you are using is not recognized, you will
be asked to correctly answer one of the security questions you previously
created. You are allowed to register more than one computer if you
utilize multiple computers to access your online banking account.
If you suspect that
an unauthorized person has access to your password or believe your password
has been lost or stolen or that someone may attempt to use the service
without your consent or has transferred funds without your permission,
your must notify First Coweta Bank immediately.See Part VI of this Agreement
for additional information relating to liability for unauthorized transactions
and error resolutions.
Your session time
is unlimited, but to help prevent unauthorized access and ensure the security
of your accounts, we will end your online session if we have detected
no activity for 15 minutes. This is to protect you in case you accidentally
leave your computer unattended after you login. When you return to your
computer, you will be prompted to re-enter your password and your session
Your Rights and
Responsibilities: In addition to this Agreement, you agree to be bound
by and comply with the Account Agreement and Account Disclosure, the rules
and regulations of the electronic transfer system, and state and federal
laws and regulations. You, the consumer, are responsible for keeping your
online password and account data confidential. We are entitled to act
on transaction instructions received using your password, and you agree
that the use of your password will have the same effect as your signature,
authorizing the transaction(s). If you authorize other persons to use
your password in any manner, your authorization will be considered unlimited
in amount and manner until you have notified us in writing that you have
revoked the authorization, changed your password, and that you are responsible
for any transactions made by such persons until such time as we receive
and have time to act upon the notification that transfers by that person,
or instructions regarding your accounts, are no longer authorized.
Services and Limitations
You may use your personal computer to:
- View account balances
and transaction history.
- View images of
your paid checks.
- Transfer funds
from your First Coweta Bank checking and savings accounts into:
- Other First
Coweta Bank checking and savings accounts which belong to you.
- Loan accounts.
- Through Optional
Online Bill Payment, pay bills to any merchant, institution or individual
with a U.S. mailing address.
- Communicate directly
with First Coweta Bank via e-mail.
Other services may
be added to First Coweta Bank's Online Banking Service and will be communicated
to our customers as the additions are made.
Hours of Accessibility:
You may access First Coweta Bank Online Banking Service seven days a week,
24 hours per day. Necessary system maintenance will be scheduled for hours
during which system traffic is normally at a minimum. If the system is
unavailable due to an unanticipated problem, you may use the automated
telephone voice response system (Telebanc), one of our ATM machines, or
a branch office (during regular business hours) to conduct transactions.
Balance and Transaction Information: You may access any eligible
First Coweta Bank account on which you are an owner or signer to receive
transaction history and balance information. The balance and account history
will show the current balance of the account, including any transactions
conducted prior to the inquiry. In progress returns due to non-sufficient
funds or stop payments may not be reflected in the inquiry.
Account Information and Transfers: Account balances and activity
is current information. Funds transferred between related accounts initiated
on your computer using Online Banking and received by the bank before
4:30 p.m. EST on a Business Day will be effective on that Business Day.
Transfers processed on your computer using Online Banking and received
after 4:30 p.m. EST on a Business Day, or on any non-Business Day, will
be effective the following Business Day.
Unavailable, Delayed, or Inaccurate Account Information: We strive
to provide complete, accurate and timely account information through Online
Banking. However, unless otherwise required by law, we will not be liable
to you if any such information is unavailable, delayed or inaccurate.
With respect to electronic funds transfer problems, such as unauthorized
transfers or the Bank's failure to properly complete authorized transfers,
the extent of our liability is described in Part VI of this Agreement.
Limits on Frequency and Amount of Transfers: Federal regulations
require us to limit either by contract or in practice the number of certain
types of transfers from money market deposit accounts and savings accounts.
Under these regulations, you are limited to six (6) preauthorized electronic
fund transfers each month, including telephone transfers, First Coweta
Bank Online Bill Payment and other online banking transactions, checks,
and point-of-sale transactions. Of these six transactions, you are limited
to no more than three transactions per month by check or point-of-sale.
Payments to your First Coweta Bank loan accounts are not counted toward
this limit. Subject to availability of funds in your designated checking
account, there are no limits on the dollar amount of transfers to or from
Service Cancellation: First Coweta Bank reserves the right to cancel
your online service at any time without notice due to insufficient funds
in one or more of your accounts. After cancellation, service may be reinstated
at the discretion of the bank provided that funds are available to cover
the cost of any fees and/or pending transfers. To reinstate your service,
contact the First Coweta Bank Online Banking Department at 770 251-4311.
If you wish to cancel any of your First Coweta Bank Online Banking services,
please contact First Coweta Bank's Online Banking Department at 770 251-4311
or send us cancellation instructions in writing to: First Coweta Bank-Online
Banking Department, PO
Box 1033 Newnan, Georgia 30264.
Through First Coweta Bank's Online Banking Service you may subscribe to
our optional Online Bill Payment system. The Bill Payment service allows
you to schedule payments through your online banking system for current,
future and recurring bills from your First Coweta Bank checking account.
You must designate a specific First Coweta Bank checking account as your
bill payment account, and bills then will be paid from this designated
account subject to your available balance.
Eligibility: You may pay any merchant or individual approved for
payment by First Coweta Bank for payment through the Online Bill Payment
service. We will be unable to process any payments to federal, state,
or local tax agencies. Online bill payments must be payable in U.S. dollars
and are available only to payees with a U.S. mailing address.
Bill Pay Procedure: By furnishing us with the names of your payees
(merchants and /or individuals) and their addresses, you give us authorization
to follow the payment instructions, which you provide to us via First
Coweta Bank's Online Banking Service for these payees. When we receive
your payment instruction for the current date or a future date, we will
remit the funds to the payee on your behalf from the funds in your selected
account. Funds for ALL bill payments, whether paid electronically or paper
check will be withdrawn from your account as of the payment date you enter
if that date is a Business Day. If the date you enter is not a Business
Day then funds will be withdrawn as of the next Business Day. The
earliest payment date the bill can be paid is automatically entered by
Bill Pay. It can be from one (1) to four (4) Business Days
after the date you go into Bill Pay to request the payment. It
is your responsibility to change to a different payment date if
necessary. We are not obligated to pay funds from
your account(s) if the account balance is insufficient to cover the payment,
unless your account has overdraft protection in an amount sufficient
to cover the payment.
When you submit any request for an electronic payment using our Online
Banking Service, please print a copy of your completed request and authorization
for your records.
Allow sufficient time for your payments: Any payments made with
Bill Payment require sufficient time for your payee to credit your account
properly. To avoid incurring a finance charge or other charge, you must
schedule a payment sufficiently in advance of the due date of your payment.
All payments must be scheduled five (5) full Business Days in advance
of the due date of your payment. Not all payees accept electronic bill
payments. In the event that the payee for your scheduled payment does
not accept payment via the electronic system, your payment will be made
by mailing a paper check.
Liability: If you fail to schedule your payment according to the
recommended time frame, First Coweta Bank will not be responsible for
the late fees or finance charges. We shall not be responsible for any
charges imposed or any other action taken by a payee resulting from a
payment that you have not scheduled properly, including any applicable
finance charges or late fees. Paper checks are mailed to the address you
supply. First Coweta Bank will not be responsible for processing incorrect
information, which is supplied by you through the bill payment system,
or for failure of the payment to process due to incorrect information.
In addition, we will not be liable if any third party through which any
bill payment is made fails to properly transmit the payment to the intended
payee. We will not be liable for indirect, special or consequential damages
due to the use of Bill Payment. See Parts VI and VII for additional information.
Termination of Bill Payment: First Coweta Bank reserves the right
to terminate your use of Bill Payment at any time. If for any reason
you should wish to terminate your use of First Coweta Bank's Bill Payment,
we recommend that you cancel all future bill payments and transfers at
the same time you cancel your account by calling First Coweta Bank's Online
Banking Department at 770 251-4311. This will insure that future payments
and transfers made by you will not be duplicated. We will automatically
delete all outstanding payments and transfers (both one-time and recurring)
once we have been notified that your service has been terminated. We will
continue to maintain your accounts unless you notify us otherwise.
Bill Payment Fees: Refer to Section VI for monthly fees and other
charges for personal and business accounts.
Joint Account Holders: Each Bill Payment account may consist of
either one individual account holder, or multiple (joint) account holders.
Each account holder needs a unique First Coweta Bank Online Banking password.
The terms of this online banking agreement apply to all account holders
enrolled in the Online Bill Payment program. In order to have a joint
membership, all members must be joint signers on the checking account
(excluding money market accounts) linked to Bill Payment. Joint members
share the same payee list, and are subject to the joint tenant rules contained
in the Account Agreement and Signature Card for the checking account.
Either account owner may close the bill payment service.
Changes to Fees, Charges and Other Terms
We reserve the right
to change the fees, charges or other terms outlined in the agreement.
We will notify you 30 days prior to implementation of changes, either
by written notice or e-mail, and will also update this agreement, if the
changes to this agreement are more restrictive than those stated in the
agreement, or increase your responsibility for unauthorized transactions.
In the event that a change is necessary to ensure the security of the
online system, an immediate change may be necessary, and we will notify
you within 30 days after the change is made by electronic or written notice.
You may choose to accept or decline changes by continuing or discontinuing
the services to which the changes relate. We reserve the option to waive,
reduce or reverse charges or fees in individual situations. Changes to
fees applicable to specific accounts are governed by the applicable Account
Additional Electronic Fund Transfer Disclosures and Agreement Terms
Tell us AT ONCE if you believe your online password has been lost or stolen
or if you believe your password may be used without your permission. Telephoning
is the best way of keeping your possible losses down. You could lose all
the money in your account (plus your maximum overdraft line of credit).
Also, if your statement shows transfers that you did not make, tell us
The following three paragraphs apply only to Accounts that are "Consumer
Accounts" (as defined in the Introduction to this Agreement):
If you tell us within two Business Days (see above for our Business Days),
you can lose no more than $50 if someone used your online password without
your permission. If you do NOT tell us within two Business Days after
you learn of the loss or theft or unauthorized use of your password, and
we can prove that we could have stopped someone from using your password
without your permission if you had told us, you could lose as much as
If your statement shows transfers that you did not make, tell us at once.
If you do not tell us within sixty (60) days after your statement was
mailed to you, you may not get back any money lost after the sixty (60)
days if we can prove that we could have stopped someone from taking the
money if you had told us in time.
If a good reason, such as a confirmed extended trip or hospital stay,
kept you from telling us, we will extend the time periods.
Contact in event of Unauthorized Transfers
If you believe your online password has been lost or stolen or that someone
has transferred or may transfer money from your account without your
permission, call First Coweta Bank at 770-251-4311. If calling after
5:00 or on a non-Business Day, email us at firstname.lastname@example.org,
or write to us at First Coweta Bank Online Banking Department, PO
Box 1033 Newnan, Georgia 30264. You also may notify us
by sending us a fax at to 770-502-0021, Attention: First Coweta Bank
Online Banking Department.
In case of errors or questions about your electronic transfers, telephone
us, email us, or write to us at the telephone number, email address or
office address provided in the paragraph above. Contact us as soon as
you can if you think your statement or receipt is wrong or if you need
more information about a transfer listed on your statement or receipt.
We must hear from you no later than 60 days after we mailed you the FIRST
statement on which the problem or error appeared. When you contact us
about your problem (including by telephone, email or fax), please
- Include your name
and account number(s).
- Describe the error
or transaction in question, and explain why you believe it to be an
- Tell us the dollar
amount of the suspected error.
- If the problem
involves a bill payment, tell us the checking account number used for
payment, the payee's name, date for which the payment was scheduled,
payment amount, and any applicable payee account number or reference
If you tell us orally,
we may require that you send us your complaint of question in writing
within ten Business Days.
The following three paragraphs apply if your complaint or error is
with regard to a Consumer Account:
We will determine whether an error occurred within 10 Business Days after
we hear from you and correct any error promptly. If we need more time,
however, we may take up to 45 calendar days to investigate your complaint
or question. If we decide to do this, we will provisionally credit your
account within 10 Business Days for the amount you think is in error,
so that you will have the 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 provisionally credit your account.
For errors involving
new accounts, point-of-sale, or foreign-initiated transactions, we may
take up to 90 days to investigate your complaint or question. For new
accounts (an account that has been opened for 30 days or less), we may
take up to 20 Business Days to provisionally credit your account for the
amount you think is in error.
We will tell you the
results of our investigation within 3 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.
Our Liability for Failure to Make Transfers or Paying Late
If we do not complete a transfer to or from your bank account on time
or in the correct amount according to our agreement with you, and if the
transfer was to or from a Consumer Account, we will be liable for your
losses or damages. However, there are some exceptions. We will not be
- If, through no
fault of ours, you do not have enough money in your account to make
a transfer or bill payment.
- If a legal order
directs us to prohibit withdrawals from the account
- If your account
is closed or if it has been frozen
- If a hold has been
placed on your account for uncollected funds
- If the transfer
or payment would cause the account to become overdrawn beyond the balance
of the account plus any overdraft protection
- 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
- If you have not
provided us with complete and correct payment information, including
without limitation the name, address, account number and payment amount
of the payee on a bill payment
- If you have not
properly followed the instructions for using First Coweta Bank's online
banking Bill Payment Service
- If circumstances
beyond our control (such as fire, flood, hurricane, improper transmission
or handling of payments by a third party) prevent the transfer or bill
payment, despite reasonable precautions taken by us
-- Disclosure of Account Information
You authorize First Coweta Bank and any affiliates to disclose to third
parties, agents, and affiliates, such as independent auditors, consultants
or attorneys, information you have provided or that we or our affiliates
have obtained about your accounts and the transfers you make:
- To comply with
government agency requests or court orders.
- To verify the existence
and condition of your account to a third party, such as a credit bureau or merchant.
- To provide services
relating to your account or to offer other products and services.
- To other entities
if you give us permission.
Please refer to our
Privacy Disclosure which we provided to you for a complete description
of our policies and practices relating to the disclosure of your information
to third parties. Our Privacy Disclosure also is available at www.firstcowetabank.com or by calling us
at 770 251-4311.
to Stop Payment and Procedure: You have the right to stop or change
any scheduled payment. You must cancel the payment no later than
4:00 p.m. EST of the Business Day prior to the date you had requested
that the payment be sent by calling First Coweta Bank at 770-251-4311.
We shall not be liable to you due to a stop payment request if your
order to do so is not presented prior to processing the payment.
Once processing of the payment has begun, you can no longer stop
of Varying Amounts: If your have told us in advance to make regular
payments out of your account, and if any of these payments may vary
in amount, the person you are going to pay will tell you, ten days
before each payment, when it will be made and how much it will be.
for Failure to Stop Payment of Preauthorized Transfer: If you order
us to stop a payment from a Consumer Account three Business Days or
more before the transfer is scheduled to be sent and we do not do so,
we will be liable for your losses or damages.
Fees and Charges:
- Account and balance inquiries
- Funds Transfers/Loan Payments
- View Images of Paid Checks
charge for this service
- Personal Accounts
charge for this service
You agree to be responsible
for any local or long distance telephone charges or Internet Service Provider
(ISP) charges that you incur by accessing your accounts via First Coweta
Bank Online Banking Service.
LIMITATIONS ON BANK LIABILITY
We will not be responsible for the following incidents, errors or failures:
We will not be responsible for failure to provide access or for interruptions
in access to First Coweta Bank's online banking or online Bill Payment
Service due to a system failure or due to other unforeseen acts or circumstances.
Your Computer Equipment or Software
We will not be responsible for any errors or failures from any malfunction
of your computer or any computer virus or other problems related to your
computer equipment used with First Coweta Bank's Online Banking Service.
We are not responsible for any error, damages or other losses you may
suffer due to the malfunction or misapplication of any system you use,
including your browser (Microsoft Explorer®, Netscape Navigator®,
or otherwise), your Internet Service Provider (ISP), your personal financial
management or other software, (such as Quicken®, or Microsoft Money®),
or any equipment you may use (including your telecommunications facilities,
computer hardware and modem) to access or communicate with First Coweta
Bank's Online Banking Service.
Online Bill Payment
We are not responsible for postal delays or processing delays by the payee
for any bill payment made through our Bill Payment services.
VIII. Other Provisions
With your consent, we may send notices to you by electronic mail (e-mail).
You may use e-mail to contact us about inquiries, maintenance, and/or
some problem resolution issues. E-mail may not be a secure method of communication.
We therefore recommend that you do not send confidential personal or financial
information by e-mail. There may be times when you need to speak with
someone immediately, especially to report a lost or stolen PIN, or to
stop a payment. In these cases, do not use e-mail. Instead, call
our customer First Coweta Bank Online Banking Department at 770 251-4311,
during regular business hours, Monday - Friday 9:00 a.m. - 5:00 p.m.,
excluding Bank Holidays.
Warranty and Software Limitations
NEITHER WE, NOR ANY OF OUR SUBSIDIARIES, ANY SOFTWARE SUPPLIER NOR ANY
INFORMATION PROVIDERS MAKE ANY WARRANTY, EXPRESSED OR IMPLIED, TO YOU
CONCERNING THE SOFTWARE, EQUIPMENT, BROWSER OR OTHER SERVICES INCLUDING,
BUT NOT LIMITED TO, ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR PARTICULAR
PURPOSE (OR NON-INFRINGEMENT OF THIRD-PARTY RIGHTS), UNLESS DISCLAIMING
SUCH WARRANTY IS PROHIBITED BY LAW.
Ownership of Website
The content, information and offerings on our Website are owned by First
Coweta Bank, and the unauthorized use, reproduction, linking or distribution
of any portions are strictly prohibited.
The First Coweta Bank Online Banking services described in this Agreement
and available on our Website are solely offered to citizens and residents
of the United States of America currently residing in the United States.
Citizens and residents outside the United States may not be able to access
the First Coweta Bank Online Banking or Bill Pay Service.
Scope of Agreement
This Agreement represents our complete agreement with you relating to
our provision of the First Coweta Bank Online Banking services. No other
statement, oral or written, including language contained in our Website,
unless otherwise noted, is part of this agreement.
The Bank may assign certain of its rights and responsibilities under this
Agreement to independent contractors or other third parties.
I have read and agree with the First Coweta Bank Online Banking Terms
and Conditions and wish to take advantage of the Online Banking Service.