This Online Access Agreement for accessing your accounts via INSOUTH Bank Internet Banking (“INSOUTH Online”) explains the terms and conditions governing the following online services: banking, Bill Pay and other banking services offered through INSOUTH Online Services. The accounts that may be accessed via the INSOUTH Online Services include only accounts maintained with INSOUTH Bank.
Overview
Your access to any of your accounts through INSOUTH Online confirms your agreement to be bound by all the terms and conditions of this Online Access Agreement and acknowledges your receipt and understanding of this disclosure. View our Terms and Conditions for using insouth.com.
Introduction
This INSOUTH Online Internet Banking Agreement and Disclosure governs your use of INSOUTH Online Internet Banking.
About INSOUTH Online Internet Banking
INSOUTH Online Internet Banking consists of an online banking web site that provides a complete array of financial services to its customers. INSOUTH Bank allows customers to access their account information.
Internet Security Information
INSOUTH Online Internet Banking is part of a Network that utilizes a comprehensive security strategy to protect your accounts and transactions conducted over the Internet.
Log-In Security
Security is very important to INSOUTH Bank. When you login to the service for the first time, you will use your account number and your INSIGHT password.
Fees for the INSOUTH Bank Internet Banking Service
The INSOUTH Bank Internet Banking service is available to our personal and business account customers at no monthly charge for all account information services, transfers, and Bill-Payment.
Balance Inquiries, Bill Payments and Transfers Limitations
You may use INSOUTH Bank Internet Banking to check the balance of your accounts and to transfer funds among your accounts.
Stop Payment – Web Initiated Entries
When you initiate a request to place a stop payment order through INSOUTH Bank Internet Banking, on a debit item, you must do so at least three banking days prior to the scheduled date of entry.*Fees will apply
Alerts
Your enrollment in INSOUTH Bank Online Banking and/or Mobile Banking(the“Service”) includes enrollment to receive transaction alerts and notifications(“Alerts”).
Bill Payment Service
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:
Zelle®
Payment Guarantee
We will reimburse you up to$50 per payment for any late payment fees or penalties you are charged as a result of the Payee/Vendor not receiving a payment by the Due Date if all of the following apply:
Making payments to the IRS
Because of liability issues, you may not make payments through INSOUTH Bank Internet Banking to any federal, state or local tax agencies. We regret this limitation in our bill payment service.
Our Liability for Incomplete Transactions
It is our responsibility to process all bill payments properly initiated through the INSOUTH Bank Internet Banking system in accordance with this Agreement.
Notice of Your Rights and Liabilities
Notify us immediately if your Access ID and Password have been compromised, lost or stolen. Failure to notify us immediately could result in the loss of all money accessible by the password.
Errors and Questions
In cases of errors or questions concerning transactions completed with INSOUTH Bank Internet Banking, do one of the following, as soon as possible:
Disclosure of Account Information to Third Parties
Information to third parties about your account(s) or the transaction(s) you make will only be disclosed if at least one of the following applies:
No Signature Requirements
When any payment or other on-line service generates items to be charged to your account
New Service
INSOUTH Bank may, from time to time, introduce new INSOUTH Online services.
Online Security Precautions For Your Safety
INSOUTH Bank works hard to keep your account and personal information secure.
Governing Law
This agreement and the account or service you are accessing via INSOUTH Bank will be governed by and interpreted in accordance with the laws of the State of Tennessee.
Assignment
This agreement may not be assigned to any other party by you. We may assign or delegate, in part or whole, to any third party.
Amendments
Terms and conditions of this agreement may be amended in whole or part at any time within 30 days written notification prior to the change taking effect.
Entire Agreement
This Agreement supplements any other agreements or disclosures related to your account(s), including the Deposit Account Agreement and Disclosures.
