Special Information about Secure E-mail
The system includes a “contact us” button that will provide a means to securely forward your request or comments to us for processing. Generally, requests received from the system will be processed within two business days using procedures that would handle similar requests received by mail or fax. If urgent action is required, we recommend that you contact INSOUTH Bank directly by telephone or in person.
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Alerts
Your enrollment in INSOUTH Bank 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 INSOUTH Bank 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, such as scheduled payments made, scheduled payments cancelled and mobile deposits. 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 Alert menu within INSOUTH Bank Online Banking and More menu within INSOUTH Bank Mobile Banking.
Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts though 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. INSOUTH Bank 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 INSOUTH Bank 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 96924 at anytime. 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 INSOUTH Bank 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 96924. In case of questions please contact customer service at 1-800-541-3891. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.
Limitations. INSOUTH Bank 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 INSOUTH Bank’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold INSOUTH Bank, 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.
TransferNow
TransferNow Service. The TransferNowService enables you to transfer funds: (i) between your Accounts that you maintain with us; and (ii) between your Account(s) that you maintain with us and your Account(s) that are maintained by other financial institutions. a. Definitions. "Account" means a checking, money market or savings accounts. "Recipient Account" is the account to which your funds will be credited. "Sender" means the Transaction Account holder initiating a transfer through the TransferNow Service. "Transaction Account" is the Account from which your funds will be debited, your TransferNow Service fees will be automatically debited, or to which funds will be returned. "Transfer Instruction" is the information provided by you to the TransferNow Service for a transfer of funds to a Recipient Account.
Transfer Authorization and Processing. You represent and warrant that you are the sole owner or joint tenant of the Transaction Account and the Recipient Account and that you have all necessary legal right, power and authority to transfer funds from the Transaction Account to the Recipient Account. Further, you represent and warrant that the Recipient Account is located in the United States. When we receive a Transfer Instruction from you, you authorize us to debit your Transaction Account and remit funds on your behalf to the Recipient Account designated by you and to debit one of your Accounts. You also authorize us to reverse a transfer from your Recipient Account if the debit is returned from the Transaction Account for any reason, including but not limited to nonsufficient funds.
Transfer Methods and Amounts. We may, at our sole discretion, impose limits on the amount of money you can transfer through our TransferNow Service. We also reserve the right to select the method in which to transfer funds on your behalf, and the method to return funds to you in the event that the Recipient Account is closed or otherwise unavailable to us.
Transfer Cancellation Requests and Refused Transfers. You may cancel a transfer at any time until it begins processing. We will, to the extent permitted by law, make reasonable attempts to return any unclaimed, refused, refunded, prohibited, or denied transfer to your Transaction Account.
Stop Payment Requests. If you as a Sender desire to stop any transfer that has already been processed, you must contact us. Although we will make a reasonable effort to accommodate your request, we will have no liability for failing to do so. We may also require you to present your request in writing within fourteen (14) days. The charge for each request will be the current charge for such service as set out in the applicable fee schedule.
Your Responsibilities for Accurate Information. Your enrollment in TransferNow Service may not be fulfilled if we cannot verify your identity or other necessary information It is your responsibility to ensure the accuracy of any information that you enter into the TransferNow Service, and for informing us as soon as possible if you become aware that this information is inaccurate. You may not use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a transfer made to the wrong Recipient Account once informed, but we do not guarantee such recovery and will bear no responsibility or liability for damages resulting from incorrect information entered by you. We will use reasonable efforts to make all your transfers properly. However, we shall incur no liability if we are unable to complete any transfers initiated by you because of the existence of any one or more of the following circumstances: i. If, through no fault of ours, the Transaction Account does not contain sufficient funds to complete the transfer or the transfer would exceed the credit limit of your overdraft account; ii. The TransferNow Service is not working properly and you know or have been advised by us about the malfunction before you execute the transaction; iii. The transfer is refused; iv. You as a Sender have not provided us with the correct information, including but not limited to the correct Transaction Account or Recipient Account information; and/or, v. Circumstances beyond our control (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution(s), or interference from an outside force) prevent the proper execution of the transfer and we have taken reasonable precautions to avoid those circumstances.
Failed Or Returned Transfers. In using the TransferNow Service, you are requesting us to make transfers for you from your Transaction Account. If we are unable to complete the transfer for any reason associated with your Transaction Account (for example, there are insufficient funds in your Transaction Account to cover the transaction), the transfer may not be completed. In some instances, you will receive a return notice from us. In each such case, you agree that: (a) You will reimburse us immediately upon demand the transfer amount that has been returned to us; (b) For any amount not reimbursed to us within fifteen (15) days of the initial notification, a late charge equal to one and a half percent (1.5%) monthly interest or the legal maximum, whichever rate is lower, for any unpaid amounts may be imposed; (c) You may be assessed a fee by us if the transfer is returned because you have insufficient funds in your Transaction Account to cover the requested transfer or if we cannot otherwise collect the funds from you; the fee amount will be as set forth in your fee schedule from us or your Account agreement with us. You hereby authorize us to deduct these amounts from your designated Transaction Account by ACH debit; (d) You will reimburse us for any fees or costs we or they incur in attempting to collect the amount of the return from you; and, (e) We are authorized to report the facts concerning the return to any credit reporting agency.
Refused Transfers. We reserve the right to refuse any transfer to a Recipient Account. We will notify you promptly if we decide to refuse to transfer funds to a Recipient Account. This notification is not required if you attempt to make a prohibited transfer under this Agreement.
Returned Transfers. In using the TransferNow Service, you understand transfers may be returned for various reasons such as, but not limited to, Recipient Account number is not valid. We will use reasonable efforts to research and correct the transfer to the intended Recipient Account or void the transfer and credit your Transaction Account. You may receive notification from us.
Service Providers. We are offering you the TransferNow Service through one or more service providers with whom we have contracted some or all of the service on our behalf. You agree that we have the right under this Agreement to delegate to our service providers certain rights and performance obligations that we have under this Agreement, and that our service providers will be intended third party beneficiaries of this Agreement and will be entitled to the applicable rights and protections that this Agreement provides to us.
Bill Payment Service
Getting Started
To sign up for INSOUTH Bill Payment, simply select the “Bill Payment” option from INSOUTH Bank’s home banking application. After you enroll, you can start using INSOUTH Bill Payment by following these two simple steps:
- Add a bill. Tell us who you want to pay by going to “Add Bill” Setup and adding a bill. After you add bills to your bills list, you can start making payments. You can also request e-bills from payees that can send electronic bills.
- Make a payment. After adding a bill, you can make a payment to the bill. Go to the “Payments Center” to schedule a single or repeating payment to the payee
Making Payments
INSOUTH Bill Payment lets you make payments and receive and pay bills online through INSOUTH Bank. You can make payments to anyone, anytime, anywhere in the United States , from your mortgage lender to your newspaper carrier. The only payments you cannot make through your bill payment service are court-ordered payments, state and federal tax payments, and international payments.
The date you select will be the date that you want the payee to receive the payment. INSOUTH Bill Payment pre-fills the Payment Date with the earliest possible payment date. INSOUTH Bill Payment determines whether a payment is sent electronically or by check, based on whether the payee accepts electronic payments and other guidelines.
If you schedule a payment for a date that falls on a weekend or holiday, the payment date will be moved to the previous business day. For example, if you schedule a payment date on a Saturday or Sunday, the payment date is moved to the previous Friday.
After a payment is scheduled, it appears as Scheduled on the Payment Center page. After the payment is processed, the status changes to Processed. The payee receives your payment on the payment date you specified and credits your account. Sometimes, however, the payee may take a few days to apply the payment to your account.
The daily limit for the total dollars of payments approved is governed by the system’s available balance in the checking account selected for making the payment. You can withdraw up to the system’s available balance as long as your account shows sufficient funds to cover your payments.
Although payments may be scheduled for the current business day or any date in the future at any time, they will only be processed once a day at our cutoff time, usually around 5:00 PM CT on any business day. Anything scheduled after the cutoff time, will not be sent out until the following business day.
e-Bills
Electronic billing lets you receive electronic bills (e-bills) online through INSOUTH Bill Payment. Some payees are able to send e-bills to their customers. If you add a payee that is e-bill-capable, you have the opportunity to request e-bills from the payee.
Once your request has been authorized, you’ll receive an e-bill from the payee within a month or so, depending on the payee’s billing cycle. You can pay the e-bill directly, and you can also continue to make single payments to the payee whenever you need to.
To stop receiving e-bills from a payee, go to “Manage My Bills”, and then select the payee. Select Click here to stop e-bill service. The payee is notified to stop sending e-bills. However, you may receive an e-bill after canceling e-bill service due to the payee’s billing cycle. Make a payment to the payee from the Payment Center page to cover the e-bill or make the payment by some other means.
If you have questions about an e-bill, please contact the payee directly. All information on the e-bill comes directly from the payee, the same as when they mail you a paper bill. Remember that you control the payment amount when you pay the e-bill.
If an e-bill amount is incorrect, make sure to contact the payee to avoid any late charges. Look on your last bill for the payee’s customer service phone number.
To Cancel your Bill Payment Service
Contact Customer Service, please call 1-800-541-3891.
Before you cancel your service, keep in mind the following:
- You should print a copy of the Payment Activity – Bill Payments page and the Payment Activity – E-mail Payments page to keep for your records before you cancel your service.
- If you decide to use INSOUTH Bill Payment again, you will have to re-enroll and set up your payee list and nickname list again.
INSOUTH Bill Payment Fees
INSOUTH Bill Payment is FREE for all checking accounts.
Security
INSOUTH Bill Payment uses several methods to ensure that your information is secure.
- User Name and Password: Your user name and password are unique identifiers that only you know. As long as you don’t share your user name and password with anyone, no one can sign in to INSOUTH Bill Payment as you.
- SSL: INSOUTH Bill Payment uses SSL (secure sockets layer) which ensures that your connection and information are secure from outside inspection.
- Encryption: INSOUTH Bill Payment uses 40-bit or 128-bit encryption (whichever your browser supports) to make your information unreadable as it passes over the Internet.
- Automatic Sign Out: In addition, INSOUTH Bill Payment automatically signs you out of a session if you are inactive for a predefined number of minutes (usually ten minutes). It is best if you sign out immediately after you are finished using INSOUTH Bill Payment.
It’s important to keep your personal information up to date so that we can contact you if necessary. You can review your personal information on the My Profile page.
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