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Security Notice
As a reminder, AuburnBank will NEVER ask for your password by email or telephone. Also, we will never ask you to use your debit card number to access Internet Banking. Please contact us if you have any questions.

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Online Access Agreement

New Online Access Agreement (Effective August 1, 2012)


Online Access Agreement for Consumer  Accounts 
You will receive important information required by the Electronic Fund Transfer Act electronically.

Read this notice carefully and keep a copy for your records.

The following information will be provided electronically:
1. The AuburnBank Online Access Agreement.
2. All notices to be provided under the Agreement, including, without limitation, notices of changes, suspension, restriction or termination of service.
* The AuburnBank Online Banking and Bill Payment services are available only if you accept the Agreement, notices and disclosures electronically. (Paper copies of the Agreement, disclosures and future notices are not available.)
* You may revoke your consent to receive future notices or disclosures electronically by sending us an electronic mail message through our Contact Us link. Your electronic mail must state that you are withdrawing your consent for future electronic delivery of notices or disclosures and include your name and billing account number. Revoking your consent to receive notices or disclosures electronically will result in cancellation of service.
* The Agreement is posted on our AuburnBank web site as part of this Enrollment process.
* Notices will be sent to your electronic mail address. If your electronic mail address changes, please send us your new electronic mail address by electronic mail at onlinebanking.com.

To access and receive this Agreement and information electronically, you will need: Access to the Internet, an Internet e-mail account/address, a 128 bit browser listed on http://www.auburnbank.com/go/browser-requirements.

You must have access to a computer, to a printer, or the ability to download the Agreement and information, in order to keep copies for your records and satisfy these requirements.

 

AuburnBank Online and Bill Payment are only available if you accept these notices and disclosures electronically.


If you have questions about viewing notices or disclosures, or need technical or other assistance concerning these notices or disclosures, you may contact us by telephone at 334-821-9200 or send an email to onlinebanking@auburnbank.com.  By pressing the "I Agree" button at the bottom of the page, I confirm that I consent to receive notices and disclosures electronically and that I am able to access the notices and disclosures described above in electronic form. I also agree that have the ability to retain copies of the notices and disclosures for my records.
You may print this agreement by selecting PRINT on your browser's tool bar.
Top of Form

This Agreement is also subject to applicable federal laws and the laws of the State of Alabama. If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. The headings in this Agreement are for convenience or reference only and will not govern the interpretation of the provisions. Any waiver (express or implied) by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or subsequent default or breach. You may not assign this Agreement. This Agreement is binding upon your heirs and AuburnBank's successors and assigns. Certain of the obligations of the parties pursuant to this Agreement that by their nature would continue beyond the termination, cancellation or expiration of this Agreement shall survive termination, cancellation or expiration of this Agreement. This Agreement, together with the Enrollment Form, constitutes the entire agreement between you and AuburnBank with respect to the subject matter hereof and there are no understandings or agreements relative hereto which are not fully expressed herein.

Definitions - As used in this Agreement, the words we, our, and us, mean AuburnBank. You and yours refer to the account holder authorized by AuburnBank to use Netteller under this Agreement and anyone else authorized by that account holder to exercise control over the account holder’s funds through Netteller. Account or accounts means your accounts at AuburnBank. Electronic funds transfers means ATM withdrawals, preauthorized transactions, point of sale transactions, transfers to and from your AuburnBank accounts using Netteller including bill payments. Netteller Services means the services provided pursuant to this Agreement, including the Netteller Bill Pay. Business days means Monday through Friday. Holidays are not included.

Access to use Netteller - You must have at least one eligible account at AuburnBank, access to Internet service, and an e-mail address. Once we have processed your Enrollment Form, and verified your account information, we will send you, either by e-mail or by postal mail, confirmation of our acceptance of your enrollment, along with your assigned log-in ID and temporary Personal Identification Number(PIN). Netteller can be used to access any  of your AuburnBank checking, saving, certificate of deposit, loan  accounts and safe deposit boxes. If you do not wish an account to be displayed or if an account is not shown that you want displayed, please contact AuburnBank.  Access to your accounts through Netteller will be based upon the identification of users and authority levels specified by you in your Enrollment Form. We undertake no obligation to monitor transactions through Netteller to determine that they are made on behalf of the account holder.

Netteller Services - You can use Netteller to check the balance of your AuburnBank accounts, view AuburnBank account histories, transfer funds between your AuburnBank accounts, make stop payment requests, view checks, and download information about your accounts to financial money management software. You may also pay bills from your AuburnBank accounts in the amounts and on the dates you specify if you have requested the Netteller Bill Pay service on your Enrollment Form.

Hours of Access - You can use Netteller seven days a week, twenty-four hours a day, although some or all Netteller services may not be available occasionally due to emergency or scheduled Netteller maintenance. We agree to post notice of any extended periods of non-availability on the AuburnBank web site.

Your Personal Identification Number(PIN) - For security purposes, you are required to change your PIN upon your initial login to Netteller. You determine what PIN you will use and the identity of your PIN is not communicated to us. You agree that we are authorized to act on instructions received under your PIN. You accept responsibility for the confidentiality and security of your PIN and agree to change your PIN regularly. Upon three unsuccessful attempts to use your PIN, your Netteller account will be locked. You must contact us to have your account unlocked.

We recommend that you create a PIN that utilizes both upper and lower case alpha and numeric characters for purposes of security. Your PIN should not be associated with any commonly known personal identification, such as social security numbers, address, date of birth, names of children, and should be memorized rather than written down.

Security - You understand the importance of your role in preventing misuse of your accounts through Netteller and you agree to promptly examine your paper statement for each of your AuburnBank accounts as soon as you receive it. You agree to protect the confidentiality of your account and account number, and your personal identification information, such as your driver’s license number and social security number. You understand that personal identification information by itself, or together with information related to your account, may allow unauthorized access to your account. Your login ID and PIN are intended to provide security against unauthorized entry and access to your accounts. Data transferred via Netteller is encrypted, (with the exception of e-mail), in an effort to provide transmission security and Netteller utilizes identification technology to verify that the sender and receiver of Netteller transmissions can be appropriately identified by each other. Notwithstanding our efforts to insure that Netteller is secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others. We cannot and do not warrant that all data transfers utilizing AuburnBank Netteller, or e-mail transmitted to and from us, will not be monitored or read by others.

Fees and Charges - You agree to pay the fees and charges for your use of Netteller services as set forth in the current fee schedule listed below. You agree that all such fees and charges will be deducted from the AuburnBank checking account designated on your Enrollment Form. If you close this Checking Account, you must contact us immediately to designate another account as your Primary Checking Account. You agree to pay any additional reasonable charges for services you request which are not covered by this Agreement. You are also responsible for telephone and Internet service fees you incur in connection with your use of Netteller.

Monthly Maintenance for Online Banking

FREE

- includes in Offering:

No Set-Up Fee
Access to all your Bank Account Information
View actual checks and deposits
Check deposits and loan balances
Transfer funds between accounts

 

Monthly Maintenance for Bill Pay

$4.00

- Pay bills you'd normally pay by check:

For $4.00 per month you can pay up to 10 bills electronically each month. There will be an additional $.40 for each bill in excess of 10
Save time and save money on postage and checks
Set up recurring payments like your mortgage



Posting of Transfers - Transfers initiated through Netteller before 2:00 p.m. (Central Time) on a business day are posted to your account the same day. Transfers completed on a Saturday, Sunday, or AuburnBank banking holiday, or made after 2:00 p.m. (Central Time) on a business day will be posted on the next business day. Netteller identifies transfers based upon the login ID of the user who made the electronic transfer.

Overdrafts - (Order of Payments, Transfers, and other Withdrawals) If your account has insufficient funds to perform all electronic fund transfers you have requested for a given business day, then:

a. Electronic funds transfers involving currency disbursements, like ATM withdrawals and Point of Sale payments, will have priority;

b. Electronic fund transfers initiated through Netteller which would result in an overdraft of your account may, at our discretion, be cancelled;

c. In the event the electronic fund transfers initiated through Netteller which would result in an overdraft of your account are not cancelled, overdraft charges may be assessed pursuant to the terms of the deposit agreement for that account.

Limits on Amounts and Frequency of Netteller Transactions - The number of transfers from AuburnBank accounts and the amounts which may be transferred are limited pursuant to the terms of the applicable deposit agreement and disclosure for those accounts. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.

Stop-Payment Requests - You may initiate stop-payment requests online via Netteller only for paper checks you have written (non-electronically) on your AuburnBank accounts (not Netteller Bill Pay paper drafts.) Customer may use the stop payment service to stop payment of checks drawn on its checking accounts with Bank (the “Checking Accounts”), as provided in this Agreement. You may stop payment of a check drawn on a Checking Account (the “Check”) by entering the required information on AuburnBank Online in time for Bank to have a reasonable opportunity to act on the order before the earlier of the time the check has been paid by Bank or Bank’s stop-payment cutoff time. Bank’s stop-payment cutoff time is 5:00 p.m. Central Time on the Banking Day on which Bank receives the check; or noon Central Time on a Banking Day during which Bank closes prior to 5:00 p.m. You and Bank agree to conduct this Service electronically and intend that stop payment orders transmitted by AuburnBank Online be considered written stop payment orders. You may issue stop payment orders without using AuburnBank Online, as provided in the Account Agreement.
A stop-payment order must precisely identify: (a) the Checking Account number; (b) the number, date and exact amount of the Check; and (c) the payee of the Check. A stop payment order will remain in effect until the date designated in the order, which date may not be sooner than six months after the date of the initial order to stop payment. If no expiration date is designated in the order, the stop payment order will remain in effect for six (6) months after the date the order first became effective. You agree that any Authorized User may issue a stop payment order, regardless of which Authorized Signer signed the Check or whether more than one Authorized Signer is required to draw on the Checking Account. Any Authorized Signer may release a stop payment order in writing.
You agree to pay the fees Bank establishes from time to time for the stop payment service and authorize Bank to charge such fees to a Checking Account. The per-order stop payment fee is charged at the time of each request. If the Checking Account has insufficient funds to cover payment of the fees, Bank may deduct the fees from any other Checking Account, Savings Account, or other account maintained by you with Bank (in any order in Bank’s sole discretion). If the fee is not paid when due, Bank may cancel or suspend the stop payment service.
You agree to defend and hold Bank harmless from and against any loss, damages, and expenses (including attorneys’ fees) Bank may incur by reason of Bank’s refusal to pay any Check subject to your stop payment order. The person who stops payment agrees to indemnify each depositor or Authorized Signer who signed or initiated the Check arising out of the stopping of payment. If Bank credits the Checking Account after paying a Check over a stop payment order.  You agree to assign to Bank in writing all of its rights against the payee or other holder of the item and to assist Bank in legal action against that person.

Disclosure of Account Information and Transfers - You understand information about your accounts or the transfers you make may automatically be disclosed to others. For example, tax laws require disclosure to the government of the amount of interest you earn, and some transactions, such as large currency and foreign transactions, must be reported to the government. We may also provide information about your accounts to persons or companies we believe would use the information for reasonable purposes, such as when a prospective creditor seeks to verify information you may have given in a credit application or a merchant calls to verify a check you have written. In addition, we may inform credit bureaus when accounts are closed because they were not handled properly. We may also seek information about you from others, such as the credit bureau, in connection with the opening or maintaining of your account or in connection with approving your access to Netteller. You agree and hereby authorize all of these transfers of information.

Bill Payment Service.
                (a) Bill Payments. The AuburnBank Online bill payment service is provided by FIS Bill Payment Services (the “Service Provider”), and allows Customer to schedule bill payments through AuburnBank Online. Customer can arrange for the payment of current, future and recurring bills from a specified checking account of Customer with Bank that has unlimited check-writing privileges. There is no limit to the number of payments that may be authorized. The minimum dollar amount of each bill payment is $0.01; the maximum amount of each bill payment is $1,500 with a limit of $2,000 per business day. Customer may pay any merchant or individual located in the United States and approved by Bank for payment through AuburnBank Online Bill Payment Service, excluding child support or alimony payments and payments to federal, state, or local government agencies. Bank reserves the right to refuse to pay any payee designated by Customer and will notify Customer in that event.  You also agree that your Netteller Bill Pay monthly fee will be charged to the checking account listed on the application.


                (b) How to Schedule a Payment. Customer must designate: (a) the Bank checking account from which the payment is to be made (the “Payment Account”); (b) the complete name of the payee, the payee account number, and the payee's remittance address, all exactly as shown on the payee billing statement or invoice; (c) the amount of the payment; and (d) the date the payment should be debited from the Payment Account.   The payment must be entered by 3 PM Central Time on a business day to be sent that day.   You agree that you will schedule payments as described in (c) below.


                (c) How Far in Advance to Schedule a Payment. If the payee is to be paid by paper check (as indicated on the Bill Payer list), paper checks are mailed to the payee and the payee may not receive the payment until 5 to 8 Banking Days after the date the payment is debited from Payment Account. If the payee is to be paid electronically (as indicated on the Bill Payer list), the payee may not receive the payment until 3 Banking Days after the date the payment is debited from the Payment Account. Any scheduled payments made on a non-business day will be processed on the next business day. Holiday processing occurs the Banking Day following the holiday. Customer understands and agrees that Bank is not responsible for the timely delivery of mail or the improper transmission or handling of payments by a third party, such as the failure of the payee to properly post a payment to the payee account. 


                (d) Reoccurring Payments.You may schedule payments for a fixed amount on the same date each month, to be automatically initiated (a "Recurring Payment"). The date on which a payment is scheduled to be made is referred to below as the "Recurring Payment Date." If a Recurring Payment Date is a day which does not exist in a certain month, then the payment will be initiated on the first business day of the next month. For example, if you schedule a payment for the 30th of each month, your payment for the month of February will be initiated on or before the 1st of March. If the Recurring Payment Date falls on a day other than a business day in any month, your payment will be initiated on the following business day (i.e. if a Recurring Payment Date falls on a Saturday or Sunday, the actual check will be issued on Monday). Thus, your actual Transaction Date for any month may not be the Recurring Payment Date. Please note that the Payment Guarantee does not apply to a Recurring Payment if for that specific payment, the Transaction Date does not fall at least five (5) business days prior to the Due Date.


                (e) Authorization to Debit Payment Account. Customer authorizes and directs Bank to act on all payment orders made using Customer’s User ID and PIN and to charge the Payment Account by electronic transfer, “no signature required draft”, or by debiting and remitting funds on Customer’s behalf.


                (f) Inconsistency of Payee Name and Payee Account Numbers. Customer acknowledges that if a payment order describes the payee inconsistently by name and number, payment of the bill payment may be made on the basis of the payee account number, even if the number identifies a person different from the named payee.


                (g) Canceling Scheduled Payments. Bill payments may be cancelled online (by following the onscreen instructions) before 3:00 p.m. (Central Time) on the day before the scheduled payment date.


                (h) Stopping a Bill Payment That Has Been Debited. Stopping the payment of a check is different from the cancellation of a bill payment. Once the bill payment has been debited from the Payment Account, Customer cannot cancel or stop a bill payment that has been paid electronically. Customer may be able to stop a bill payment paid by paper draft by contacting Bill Payment Customer Service at 334-821-9200 or 888-988-2162 (outside of Auburn and Opelika) before the paper draft has cleared. If the paper draft has not cleared, Bank will process Customer’s stop-payment request. Bank will notify Customer if the paper draft has already cleared. To be effective, this type of stop-payment request must precisely identify the name of the payee, the payee-assigned account number, the amount and scheduled date of the payment, and the ID number from the Bill Payment View Posting Screen. Bank may charge an additional fee for stopping payment of an AuburnBank Online bill payment in addition to Bank’s normal stop payment charges for the Payment Account.   This section does not apply to payments not made through the Bill Pay Service.

                (i) Bank’s Responsibility in the Event of Failure to Make a Scheduled Payment. If Bank does not properly complete a bill payment on time or in the correct amount, Bank will pay any late fees or finance charges (up to $50.00) as long as the payee account was in good standing with the merchant or payee prior to this incident. Bank shall not be responsible for any charges imposed or any other action taken by a payee resulting from a payment that Customer has not scheduled properly or the payee has not posted properly, including any applicable finance charges and late fees. In addition, we will not be liable if any third party through whom any bill payment is made fails to properly transmit the payment to the intended payee. Bank will also not be liable if there are insufficient funds or credit availability in the Payment Account and/or overdraft protection plan; if a legal order directs Bank to prohibit withdrawals from the payment account; if the payment account is closed or frozen; or if any part of the electronic funds transfer system is not working properly. Bank will not be liable for indirect, special, or consequential damages arising out of the use of the bill payment service.


                (j)   Expedited Payments. Special rules and fees apply to Expedited Payments.   These terms and conditions will be displayed before you submit an Expedited Payment.


                (k) Blocked Accounts. A block is automatically placed on all accounts that have a debit returned to FIS (the bill payment service). Please contact Bill Payment Customer Relations at 334-821-9200 or 888-988-2162 (outside of Auburn and Opelika). The block prevents further bill payments from being processed and, in some cases, access to service is denied.


                 (l) Electronic Bill Presentment. This feature is for the presentment of electronic bills only and it is your sole responsibility to contact your Billers directly if you do not receive your statements. If you elect to activate receive bills electronically, you also agree to the following:  You authorize us to contact Billers on your behalf and to receive your billing statements and billing data, including the right to periodically access third party biller Web sites designated by you ("Biller Sites"), on your behalf, to retrieve your electronic billing data ("eBill"). You agree that we are your agent for these limited purposes. You represent and warrant to us that you have the authority to appoint us as your agent to receive your billing statements, to view and download your eBills, and to use your name, passwords, usernames and any other information you provide to us for purposes of providing the Services for you. You agree that we may use and store this information on our servers. You are responsible for all charges associated with our use of any Biller Site on your behalf and you agree to comply with the terms of use for the Biller Site.  The presentment of your first electronic bill may vary from Biller to Biller and may take up to sixty (60) days, depending on the billing cycle of the Biller.  Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Biller.  The electronic Biller has the right to cancel the presentment of its electronic bills at any time.  You may cancel electronic bill presentment at any time.  The timeframe for cancellation of your electronic bill presentment may vary from Biller to Biller.  It may take up to sixty (60) days, depending on the billing cycle of the Biller.  If you decide to no longer receive your bills electronically using our service, it is your sole responsibility to make arrangements for an alternative form of bill delivery.  The Services will not be responsible for presenting any electronic bills that are already in process at the time of cancellation.


Periodic Statements - You will not receive a separate Netteller statement. Transfers to and from your accounts using Netteller will appear on the respective periodic paper statements for your AuburnBank accounts.

Change in Terms - We may change any term of this Agreement at any time. If the change would result in increased fees for any AuburnBank service, increased liability for you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice at least 21 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or Netteller. We will post any required notice of the change in terms on the AuburnBank web site or forward it to you by e-mail or by postal mail. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or Netteller, we will notify you of the change in terms within 30 days after the change becomes effective. Your continued use of any or all of the subject Netteller services indicates your acceptance of the change in terms. We reserve the right to waive, reduce or reverse charges or fees in individual situations. You acknowledge and agree that changes to fees applicable to specific accounts are governed by the applicable deposit agreements and disclosures.

In Case of Errors or Questions about Your Electronic Transfers, including Bill Payments - Contact us as soon as you can, if you think your paper statement is wrong, or if you need more information about a transfer listed on your paper statement. We must hear from you no later than 60 days after we sent the FIRST paper statement upon which the problem or error appeared. When you contact us:

(1) Tell us your name and account number.
(2) Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error, or why you need more information.
(3) Tell us the dollar amount of the suspected error and date.
(4) If the suspected error relates to a bill payment made via the Netteller Bill Pay, tell us the account number used to pay the bill, payee name, the date the payment was sent, payment amount, Confirmation number, and the payee account number for the payment in question. (This information appears on the Bill Payment Screen.)

If you contact us by telephone or by e-mail, we will require that you send us your complaint or question in the form of a paper writing, including the enumerated information above, by postal mail or fax within 10 business days.

We will communicate to you the results of our investigation within 10 business days after you contact us and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days for point-of-sale or foreign-initiated transactions, or transactions within 30 days after the first deposit to the account) to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten (10) business days for the amount you think is in error or within twenty (20) business days in place of ten (10) business days if a notice of error involves an electronic fund transfer that occurred within thirty (30) days after the first deposit to the account was made. 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 if WE DO NOT receive it in the form of a paper writing within 10 business days, we will not provisionally credit your account.

If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation and within the error resolution time frame. You may ask for copies of the documents that we used in our investigation. If we have made a provisional credit, a corresponding debit will be made from your account.

Our Liability for Failure to Make a Transfer - If we do not complete a transfer to or from your account, including a bill payment, on time or in the correct amount, according to our agreement with you when you have properly instructed us to do so, we will be liable to you for your losses or damages caused as a result. However, there are some exceptions. We will NOT be liable, for instance:

(1) If, through no fault of ours, you do not have enough money in your account to make a transfer.
(2) If a legal order directs us to prohibit withdrawals from the account.
(3) If your account is closed, or if it has been frozen.
(4) If the transfer would cause your balance to go over the credit limit of an established line of credit or the credit limit for any credit arrangement set up to cover overdrafts.
(5) If you, or anyone authorized by you, commits any fraud or violates any law or regulation.
(6) If any electronic terminal, telecommunication device, or any part of the AuburnBank electronic funds transfer is not working properly and you knew about the problem when you started the transfer.
(7) If you did not enter complete and correct payment information for the Bill Payment Service, including, without limitation, the name, address, your payee-assigned account number, payment date, and payment amount for the payee on a bill payment.
(8) If you have not properly followed the on-screen instructions for using AuburnBank Internet Banking or Bill Pay service.
(9) If circumstances beyond our control (such as fire, flood, interruption in telephone service or other communication lines) prevent the transfer, despite reasonable precautions that we have taken.

Your Liability for Unauthorized Transfers - CONTACT US AT ONCE if you believe your PIN has been lost, stolen, used without your authorization, or otherwise compromised, or if someone has transferred or may transfer money from your accounts without your permission. An immediate telephone call to us is the best way to reduce any possible losses. You could lose all the money in your accounts (plus your maximum overdraft line of credit, if any). If you contact us within 2 business days after you learn of the loss, theft, compromise, or unauthorized use of your PIN, you can lose no more than $50 if someone used your PIN without your permission.

If you do NOT contact us within 2 business days after you learn of the loss, theft, compromise, or unauthorized use of your PIN, and we can prove we could have stopped someone from using your PIN to access your accounts without your permission if you had told us, you could lose as much as $500.

Also, if your paper statement shows transfers that you did not make, contact us at once. If you do not tell us within 60 days after the paper statement was mailed to you, you may not get back any money you lost through transactions made after the 60 day time period 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 hospital stay) kept you from contacting us, we will extend the time periods.

Disclaimer of Warranty and Limitation of Liability - We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the Netteller services provided to you under this Agreement. We do not and cannot warrant that Netteller will operate without errors, or that any or all Netteller services will be available and operational at all times. Except as specifically provided in this Agreement, or otherwise required by law, you agree that our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products provided under this Agreement or by reason of your use of or access to Netteller, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty. Further, in no event shall the liability of AuburnBank and its affiliates exceed the amounts paid by you for the services provided to you through Netteller.

Your Right to Terminate - You may cancel your Netteller service at any time by providing us with written notice by postal mail or fax. Your access to Netteller will be suspended within 3 business days of our receipt of your instructions to cancel the service. You will remain responsible for all outstanding fees and charges incurred prior to the date of cancellation.

Our Right to Terminate - You agree that we can terminate or limit your access to Netteller services for any of the following reasons:

1. Without prior notice, if you have insufficient funds in any one of your AuburnBank accounts. Netteller service may be reinstated, in our sole discretion, once sufficient funds are available to cover any fees, pending transfers, and debits.
2. Upon 3 business days notice, if you do not contact us to designate a new Primary Checking Account immediately after you close your Primary Checking Account.
3. Upon reasonable notice, for any other reason in our sole discretion.


Communications between AuburnBank and You Unless this Agreement provides otherwise, you can communicate with us in any one of the following ways:

E-mailonlinebanking@auburnbank.com
Telephone - You can contact us by telephone at 334/821-9200
Facsimile - You can contact us by fax at 334/887-2772
Postal Mail - You can write to us at:
AuburnBank
100 N Gay St / PO Box 3110
Auburn, AL 36831

 

Consent to Electronic Delivery of Notices - You agree that any notice or other type of communication provided to you pursuant to the terms of this Agreement, and any future disclosures required by law, including electronic fund transfer disclosures, may be made electronically by posting the notice on the AuburnBank web site or by e-mail. You agree to notify us immediately of any change in your e-mail address. 
 

 

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