Welcome
to Angelina Savings Bank’s Online Banking.
Now you can have a branch wherever there is an Internet
connection. Whether you are at home, the office, a hotel
room or wherever you travel, you can visit your Angelina
Savings Bank (ASB) accounts.
All you need is access to the Internet using either
Internet Explorer or Netscape Navigator (the latest
versions are highly recommended for your greatest security)
and a 128-bit Secure Sockets Layer (SSL) encryption
protocol. If your browser is not using the latest 128-bit
encryption, you will be prompted to upgrade before
accessing your accounts.
Services Offered
The following services are currently available through
ASB’s Online Banking:
- Account Balance Information
View any of your ASB Checking, Savings, Money Market
accounts, Certificates of Deposits, IRAs, ATM or VISA
Debit Card transactions, and ASB Loan balances.
- Transaction Inquiry
View specific transactions for previous day, current day,
previous statement or current statement.
- Transfer Funds
Transfer funds between most of your ASB accounts. Make a
one-time transfer or set up a scheduled transfer.
- Loan Payments
Make loan payments on any of your ASB loans (excluding mortgage payments).
Make a one-time loan payment or set up a scheduled loan payment.
Angelina Savings Bank
Online Banking Disclosures, Terms and
Access Agreement
Account Questions
You may contact a Customer Service Representative by phone
at 936-639-3201 or toll free at 800-364-8244 with any
questions regarding your accounts.
Privacy and Confidentiality
Angelina Savings Bank is strongly committed to protecting
your security and confidentiality. To ensure the privacy of
your account information while you are online, you are only
able to access your account with high security browsers.
You must also provide both your account number and your
password. If no action is taken within 15 minutes, you will
be automatically logged off Internet Banking.
You are also assured that we will guard your information
from third parties except for the following situations:
- When it is necessary to complete a transfer as
requested by you.
- In order to verify the existence and condition of
your account for a third party, such as a credit bureau
or merchant when you have authorized the disbursement of
such information.
- In order to comply with laws, government agency rules
or orders, court orders, subpoenas or other legal
processes.
- In order to give information to any government agency
or official having legal authority to request such
information.
- If you give us written permission.
Virus Protection
You agree that Angelina Savings Bank is not responsible for
any electronic virus that you may encounter using Internet
Banking. Routinely scan your PC and diskettes using any
reliable virus protection product to detect and remove any
viruses found.
Electronic Messaging and Notices
Customers should send us general inquiries concerning
maintenance and other issues via email. You should not use
regular e-mail to initiate any banking transactions or give
out personal identifying information. Email is not located
on a secured encrypted server and the information you enter
can be viewed by others. Sending electronic messages to us
through regular e-mail are also not protected by a high
level of encryption.
Electronic mail will be used to send you notices,
disclosures and other information required under the
Electronic Funds Transfer Act and Regulation E of the
Federal Reserve Board of Governors. We may send this
information to you by posting it on our Web site or by
e-mail. We may also send it to you by regular postal mail
in writing at the address shown in our records. If you have
given us an e-mail address or postal address, we are
entitled to rely on that address and assume that messages
sent to that address are received by you, until you give us
notice in writing or by e-mail that the address is no
longer valid. You agree that information we post to our
website or send by e-mail or regular postal mail will be
deemed delivered at the time it is posted or sent.
Information you send to us is deemed delivered when we
receive and review it. If we send you a notice, disclosure
or other message electronically and you wish to print it
and are unable to do so, contact us at 936-639-3201 or send
us an e-mail and we will provide you with a paper copy.
New Services
From time to time, Angelina Savings Bank plans to
expand the services we offer our Internet Banking
customers. When such services become available, we will
update this agreement and notify you of the new service. By
using Internet Banking after the new services are
available, you agree to be bound by the terms contained in
the revised agreement.
Authorization To Charge Accounts
You are responsible for all transfers you or your
authorized representative make using Internet Banking. You
authorize us to debit your designated account(s) for any
transactions completed with Internet Banking. You agree
that we may comply with transfer instructions entered by
any one person using an authorized Access Code and
Password, regardless of the restrictions placed at the
account level, i.e., two signatures required or minor no
withdrawal.
If you permit another person to use Online Banking or
give them your Access Code and Password, you are
responsible for transfers or advances that person makes
from the deposit and loan accounts linked to your online
application even if that person exceeds your authorization.
Availability
Funds must be available in the account from which you wish
to transfer funds on the date you enter the transaction.
Insufficient Funds to Complete Transfer
If your account does not have sufficient funds to complete
a transfer, the transfer will not be completed.
Restrictions on Transfers from Savings and Money
Market Accounts
Under Federal Reserve Board Regulation D, you may make an
unlimited number of deposits or transfers into a savings or
money market account. However, during any calendar month or
statement cycle of at least four weeks, you may make no
more than six (6) withdrawals or transfers out of such an
account. No more than three (3) of the six transfers may be
made by check, draft, debit card (if applicable) or by
similar order made payable to a third party. Transfers made
by telephone, personal computer or funds automatically
transferred from a savings account or money market account
to another deposit account for overdraft protection are
counted toward the six total permitted monthly transfers or
withdrawals. If you exceed the transfer limitations set
forth above in any statement period, your account will be
subject to closure by the financial institution.
Correcting or Canceling Your Transfer
You cannot cancel your transfer after it has been entered
into the Internet Banking System and the information
transmitted to us. You can correct information about a
transfer before you send us the information, and you can
use Internet Banking to reverse a transaction after it has
been entered.
Documentation and Verification of Transfers
The date and amount of transfers made through Internet
Banking will be shown on the Internet Banking screen and
will also be shown on your printed statements for the
accounts from which and to which the transfer is made.
Telephone Number for Notification of Unauthorized Use
If you believe your Access Code and/or password have become
known by an unauthorized person, or that someone has
transferred money without your permission, call Angelina
Savings Bank’s Customer Service Department immediately at:
936-639-3201 or 800-364-8244.
Your Liability for Unauthorized Use
You are responsible for keeping your password and account
information secret. If you allow others to access your
accounts, you are responsible for any transactions they
authorize from your accounts.
Tell us immediately if you believe your Access I.D. or
Password has become known to an unauthorized person or if
an unauthorized transaction has occurred involving your
account. Telephoning is the best way to keep your possible
losses to a minimum.
If you tell us within two business days after you learn
that your Access Code and Password have become known by an
unauthorized person, you can lose no more than $50.00 if an
unauthorized person used your personal codes without your
permission to process a transaction. If you do NOT tell us
within two business days, and we can prove that we could
have stopped someone from using your Access Code or
Password without your permission if you had told us, you
could be liable for as much as $500.00.
Also, if your statement shows electronic funds transfers
that you did not make or authorize, tell us at once. If you
do not tell us within 60 days after the statement was
mailed to you, you may not get back any money you lost
after the 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 long trip or a hospital
stay) kept you from telling us, we may extend the time
period.
Angelina Savings Bank’s Liability for Failure to Make
Transfers
If we do not make a transfer on time, or in the correct
amount according to your instructions, we will be liable
for your proximately caused damages. However, there are
some exceptions. We will not be liable, for instance, if:
- Through no fault of ours, your account does not
contain enough money to make the transfer.
- The transfer would exceed the balance in the deposit
account you use for overdraft protection, or the credit
limit on your overdraft checking line of credit, or the
line has been closed.
- Your computer, the software, phone lines, or the
bank’s computer systems were not working properly or were
temporarily unavailable, and this problem should have
been apparent to you when you attempted the transfer.
- Circumstances beyond our control prevented the
transfer, despite reasonable precautions that we have
taken. Such circumstances include telecommunication
outages, postal strikes, fires, floods and other natural
disasters.
- We have placed a "hold" on funds in your account or
remitted funds to another party with your knowledge,
pursuant to reasonable business procedures, or in
compliance with legal process such as a garnishment, tax
levy, court order, etc.
- 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 User Code, Password, or Account
has occurred or may be occurring; or
- You or we have terminated your Online Banking
Agreement or closed the account.
Errors Resolution
In case of errors or questions about your electronic
deposit transactions or drafts on your account, call the
Customer Service Department at Angelina Savings Bank
immediately at 936-639-3201, toll free at 1-800-364-8244 or
write to:
Angelina Savings Bank
Attention: Customer Service Department
P.O. Box 2460
Lufkin, TX. 75902-2460
In case of errors or questions about your electronic
loan payment transactions, call the Loan Administration
Department at Angelina Savings Bank immediately at
936-639-3201, or write to:
Angelina Savings Bank
Attention: Loan Administration
P.O. Box 2460
Lufkin, TX. 75902-2460
If you think your statement is wrong or if you need more
information about an electronic transaction listed on the
statement, contact us as soon as possible. We must hear
from you no later than 60 days after we sent the FIRST
statement on which the problem or error appeared, and you
must:
- Tell us your name and account number;
- Describe the electronic transaction you are unsure
about, and explain why you believe an error has occurred
or why you need more information;
- Tell us the dollar amount of the suspected error.
If you tell us verbally, we may require that you send
your complaint or question in writing within ten business
days. We may require you to provide your complaint in the
form of an affidavit.
We will tell you the results of our investigation within
ten business days and will correct any error promptly. If
we need more time, however, we may take up to 45 days to
investigate your complaint or question. If we decide to do
this, we will provisionally re-credit your account within
ten business days for the amount you think is in error, so
that you will have the use of your 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 ten days, we may not provisionally
re-credit your account.
If you are a new customer, for electronic funds transfer
occurring during the first 30 days after the first deposit
is made to your account, the applicable time periods for
action by us are up to 20 business days (instead of ten)
and 90 calendar days (instead of 45).
If we determine that there is no error, we will send you
an explanation within three business days after we finish
our investigation. You may ask for copies of the documents
that we used in our investigation.
Fees
Angelina Savings Bank does not charge a fee for setting up,
maintaining or using our Internet Banking service. It is
provided to you free of charge and we will gladly answer
your questions or concerns.
Termination or Discontinuation
In the event you wish to discontinue using Angelina Savings
Bank’s Internet Banking, contact ASB in writing or send us
an electronic mail message. We may at any time terminate
your Internet Banking service. We will mail notice of
termination to you at your address as shown on Angelina
Savings Bank’s records.
