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Terms and Conditions
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To apply please complete the following information, print and mail the form below to:

 

Online Banking
Cumberland Valley National Bank
PO Box 709
London, KY 40743-0709
Attn: Call Center

 

We cannot accept enrollment via e-mail or fax. We require original signature(s) on the application form.

 

"We", "us", and "our" mean Cumberland Valley National Bank & Trust Company (CVNB) and agents. "You" and "your" mean each depositor and/or borrower who enrolls in the Online Banking service with us or who uses or is authorized by us to use an Online Banking Identification Number (ID) and Online Banking Password or other means of authentication which we establish or approve. The term "Online Banking" refers to our service that allows you to transfer funds, access accounts, obtain information, view account transactions and balances, obtain account statements, download account transactions and perform other transactions or communications over the Internet, including the optional Bill Payment service, by use of a compatible personal computer (PC) or other means which we now authorize or may allow from time to time. We reserve the right to restrict or prevent your access to any account through Online Banking.

 

This agreement states the terms and conditions that apply when you use our Online Banking service. Please read them carefully and retain them for your records. These terms and conditions are in addition to those terms and conditions that apply to any accounts you have with us or any other services you obtain from us. You are also required to follow all of our instructions and procedures, including those in our User's Guide and Frequently Asked Questions (FAQ's) applicable to the services covered by this agreement. This agreement shall be governed by and interpreted under the laws of the Commonwealth of Kentucky and applicable federal laws and regulations. We reserve the right to amend, modify or terminate the Online Banking service or these terms and conditions at any time. You agree to receive all notices from us through the Online Banking or via e-mail. You may terminate your enrollment in Online Banking by written notice to us at the address set out above. Due to security proposes failure to sign into your Online Banking for ninety-one (91) consecutive days will result in your Online Banking service to be discontinued.

 

At the time you enter into this agreement you must have an e-mail address with an Internet Service Provider (ISP). If your e-mail address changes, you must notify us within a reasonable period of time of the change. If you do not notify us, you will hold us harmless from any consequences, including financial loss, resulting from your failure to notify us of the change in your e-mail address. If you e-mail us or ask us to reply to you via e-mail you agree to hold us harmless, from any consequences, including financial loss, resulting from any unauthorized use or disclosure of your account or personal information resulting from e-mail.

 

If at any time you wish to change an account status, add an account or remove an account, you must provide us at least ten (10) business days advance notice. To do this call us at our CVNetCenter at 1-800-999-3126 or click on this form, the Online Banking Application & Agreement form, print it out and mail the completed form to us.

 

Your access to the Online Banking service will be blocked in the event your Logon ID or Password is entered incorrectly on three (3) consecutive access attempts. If this occurs, please call CVNetCenter at 1-800-999-3126.

 

You agree that the account security is controlled by the authentication method of an Online Banking ID assigned by us, together with the Online Banking password chosen and entered by you. CVNB strongly discourages you from selecting passwords of information that may be widely available concerning your identity. You will be requested to change your password the first time you enter the Online Banking service. You can change your ID and/or password at any time through the Option Tab of the Online Banking service. You are responsible for all transactions that you or any authorized user makes. If you have given someone your Online Banking ID and Password and want to terminate that person's authority, you must change your ID and Password. You agree to protect the Password and hold us harmless from its unauthorized use or disclosure. Any of your account or personal information delivered by us to your Internet Browser, e-mail, financial or other software or to any PC or other devices becomes your responsibility and you agree to hold us harmless from any losses or damages resulting from its unauthorized use or disclosure. Additionally, your Internet browser, e-mail, financial or other software, your PC, or other devices may capture, save, cache or forward the account or personal information delivered by us to you and displayed on your PC monitor or other devices. This information may be captured, saved or cached on your PC's memory or hard drive or other devices, either within your PC or other devices or within a remote PC or server or other devices through which your PC is networked with or communicates with by any means. This information may be accessed by any person or device with access to your PC or other device through any means. You agree to hold us harmless from any losses or damages resulting from the unauthorized use or disclosure of this information.

 

You agree that the provisions of joint account ownership apply to the Online Banking service if the account(s) being accessed is jointly owned and agree that each owner authorizes the other without limitation to use Online Banking.

 

You acknowledge that transaction limitations, as described in the Truth in Savings Disclosure you received when you opened your deposit account(s) or subsequently thereafter, apply to transfers from savings or money market deposit accounts. Federal regulation limits transfers from savings or money market deposit accounts to six per statement cycle when initiated by telephone, electronic, or other pre-authorized means. This limit applies to transfers through Online Banking. You acknowledge that the Activity Charge Fee as disclosed in our Truth in Savings Disclosure or Fee Schedule or any subsequent disclosure, will apply to transactions that exceed the transaction limitation.

 

You acknowledge our delivery to you of the Electronic Funds Transfer Disclosure*. This Disclosure can be viewed or printed by clicking on Electronic Funds Transfer Disclosure at www.cvnb.com.  This Disclosure will further define your rights and responsibilities.  If you don’t have a printer, email us at cvnetcenter@cvnb.com or call CVNetCenter at 1.800.999.3126 and we will send you a copy of the Disclosure. *The Electronic Funds Transfer Disclosure applies to consumer accounts only.  This Disclosure is not applicable to commercial accounts.

 

OPTIONAL BILL PAY SERVICE

Selection of the Online Bill Pay service, will allow you to use the bill payment function of the program using funds in any of the accounts that are checking accounts. All payments on a particular transaction will be made from the account(s) selected by you, which must be a checking account.

You may make payments to any individual, business, merchant or professional with a U.S. payment address. You may use the bill pay function of the program on a transaction-by-transaction basis, on a recurring and scheduled basis, or a combination of both.

Requests for payments will only be honored to the extent that there is a sufficient collected and available balance in the Account selected by you for payment. There is no daily or transaction-based maximum dollar amount limitation on requests for payments for third parties. However, at our discretion we reserve the right to institute such limitation on your Account(s) for security reasons or if we are otherwise required to do so by law or regulation.

Payment may be made electronically if the payee is listed in the electronic biller directory, available for you to view in the program. Otherwise, a paper check will be issued and forwarded to the payee. Electronic payments will generally reach the payee’s account within three to five Business Days after you have initiated or scheduled the payment. Payments made by check will generally reach the payee within five to seven Business Days after you have initiated or scheduled the payment. If you wish to have a payment received by the payee by a certain date, you must initiate the payment within the framework of the above delivery time periods.

Requested payments made via the bill pay service will be processed on Business Days at 2 a.m. CST and at 12:00 p.m. CST.  Therefore, requests for payments made after 12 p.m. CST on a Business Day, or on a non-Business Day, will be processed the next Business Day immediately preceding such non-Business Day.

We cannot guarantee when your payee will receive your payment or credit your account with the payee. You understand and agree that we are not responsible for the timely delivery of postal mail or the improper transmission or handling of payments by a third party such as failure of the payee to properly post a payment to your account. Nor are we responsible for monitoring payments made through the bill pay function. You may cancel or modify a recurring bill payment that you have scheduled before 2 a.m. of the date that the payment is scheduled to be processed. You may cancel or modify a “same-day” bill payment request submitted between 2 a.m. and 12 p.m. on any Business Day before 12 p.m. of such Business Day. You may cancel or modify a “same-day” payment request submitted on any non-Business Day before 2 a.m. of the Business Day immediately subsequent to such non-Business Day. In addition, “stop payment” requests may be honored by the Bank on bill payments made by check in accordance with the Bank’s normal “stop payment” policy governing your checking account.

If at any time, you decide to discontinue the Bill Pay Service, you must provide written notification to us.  We reserve the right to terminate, amend or modify the Bill Pay service at any time.  If we decide to do so we will give you 30 days notice through Online Banking or via email.

 

By signing below, you acknowledge our delivery to you of the Electronic Funds Transfer Disclosure*. This Disclosure can be viewed or printed by clicking on Electronic Funds Transfer Disclosure. This Disclosure will further define your rights and responsibilities. If you don't have a printer, e-mail us at cvnetcenter@cvnb.com or call CVNetCenter at 1-800-999-3126 and we will send you a copy of the Disclosure. The Electronic Funds Transfer Disclosure applies to consumer accounts only.  This Disclosure is not applicable to commercial accounts.

  

 
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