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Home : Online Banking : Agreement |
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 I. Introduction II. Accessing Your Home Federal Bank Accounts through eBanking A. Requirements B. Electronic Mail (E-mail) C. Fees D. New Services E. Benefits of Using eBanking III. Terms and Conditions A. Your Online Password B. Payment Account C. Our Liability D. Overdrafts: Order of Payments, Transfers, Other Withdrawals E. Hours of Accessibility F. Additional Terms and Conditions IV. eBanking Payment Services A. Using the Service B. Bill Pay Fees V. General Terms A. Changes to Charges, Fees or Other Terms B. Disclosure of Account Information C. Questions or Error Correction on eBanking Transactions D. Other General Terms VI. Protecting Your Account A. Preventing Misuse of Your Account B. Unauthorized Transactions in Your Home Federal Bank Accounts I. Introduction This Online Access Agreement ("Access Agreement", "eBanking Access Agreement", "Electronic Banking Agreement") for accessing your Home Federal Bank accounts through eBanking explains the terms and conditions governing the Online banking services and bill pay offered through eBanking. By using the eBanking Services, you agree to the terms and conditions of this Access Agreement. This Online Access Agreement will be governed by and interpreted in accordance with Federal law and regulation, and to the extent there is no applicable Federal law or regulation, by the laws of the State of Idaho. The terms "we," "us," "our," "Home Federal," and "Bank" refer to Home Federal Bank. "You" refers to each signer on an account. The term "business days" means Monday through Friday, excluding Saturday, Sunday and Federal holidays. eBanking can be used to access Home Federal Bank accounts. Each of your accounts at Home Federal Bank is also governed by the applicable account disclosure statement ("Customer Account Agreement"). » Back to top II. Accessing Your Home Federal Bank Accounts through eBanking A. Requirements To access your accounts through eBanking, you must have a Home Federal Bank account and an online password. B. Electronic Mail (E-mail) Sending electronic mail (E-mail) through eBanking is a way to communicate with the Bank. E-mail is provided for you to ask questions about your account(s) and provide general feedback. E-mail is accessible after you sign on with your password to a session of eBanking. To ensure the security of your account information, we recommend that you use E-mail when asking specific questions about your account(s). You cannot use E-mail to initiate transactions on your account(s). For banking transactions, please use the appropriate functions within eBanking or call 208-466-4634 (in the Boise calling area) or 1-800-888-7283 (outside the Boise calling area). C. Fees There are no monthly or transaction fees for accessing your account(s) through eBanking. See Section IV for a description of Bill Pay fees. Please note that fees may be assessed by your online service provider. D. New Services Home Federal Bank may, from time to time, introduce new online services. We will notify you of any new services. By using these services when they become available, you agree to be bound by the rules communicated to you concerning these services. E. Benefits of Using eBanking With eBanking, you can manage your personal or small business accounts from your home or office on your personal computer. You can use eBanking to:
» Back to top III. Terms and Conditions The first time you access your Home Federal Bank accounts through eBanking you agree to be bound by all the terms and conditions of this Agreement and acknowledge your receipt and understanding of this disclosure. A. Your Online Password You will be given an Online Password that will give you access to your Home Federal Bank accounts for eBanking access. This password can be changed within eBanking using the options button. We recommend that you change your password regularly. Home Federal Bank will act on instructions received under your password. For security purposes, it is recommended that you memorize this online password and do not write it down. You are responsible for keeping your password, account numbers and other account data confidential. B. Payment Account Although there are no fees for accessing your accounts through eBanking, you may be asked to designate a payment account for selected services such as Bill Pay. You agree to pay promptly all fees and charges for services provided under this Agreement, and authorize us to charge the account that you have designated as the payment account or any other account for the fees. If you close the payment account, you must notify Home Federal Bank and identify a new payment account for the selected services. Additionally, if you close all Home Federal Bank accounts, you must notify Home Federal Bank Customer Service to cancel the eBanking services. Your online access may be canceled at any time without prior notice due to insufficient funds in one of your accounts. After cancellation, eBanking services may be reinstated, once sufficient funds are available in your accounts to cover any fees and other pending transfers or debits. In order to reinstate your services, you must call Home Federal Bank Customer Service at 208-466-4634 (in the Boise calling area) or 1-800-888-7283 (outside the Boise calling area). If you do not access your Home Federal Bank accounts through eBanking for any 90 day period, Home Federal Bank reserves the right to disconnect your service without notice. Please note that your bill payment information will be lost if you are disconnected. You agree to be responsible for any telephone charges incurred by accessing your Home Federal Bank accounts through eBanking. If you wish to cancel any of the eBanking services offered through eBanking, please contact Home Federal Bank Customer Service at 208-466-4634 (in the Boise calling area) or 1-800-888-7283 (outside the Boise calling area)or send us cancellation instructions in writing to Home Federal Bank, P.O. Box 190, Nampa, ID 83653. C. Our Liability Except as specifically provided in this Agreement or where the law requires a different standard, you agree that neither we nor the service providers shall be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, Home Federal Bank, OR by Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Explorer browser), OR by Internet access providers OR by Online service providers OR by an agent or subcontractor of any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the equipment, software, the Online Financial Services, or Internet browser or access software. D. Overdrafts: Order of Payments, Transfers, Other Withdrawals If your account has insufficient funds to perform all electronic funds transfers (ATM withdrawals, pre-authorized transactions, eBanking transfers and bill payments, etc.) that you have requested for a given business day, then:
E. Hours of Accessibility You can access your Home Federal Bank accounts through eBanking seven days a week, 24 hours a day. However, at certain times, some or all of eBanking may not be available due to system maintenance. You will be notified online when this occurs. A transfer initiated through eBanking during normal business hours on a business day is posted to your account the same day. All transfers completed outside of normal business hours on a business day or on a Saturday, Sunday or banking holiday, will be posted on the next business day. Our business days are Monday through Friday. Saturday, Sunday and Federal holidays are not included as a business day. F. Additional Terms and Conditions Obtaining Account Balance and Transaction History - You can obtain balance and transaction history on all eligible accounts. Transferring Funds - The number of transfers from a savings account or money market account is limited as described in the applicable Customer Account Agreement. 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. » Back to top IV. Bill Pay Service A. Using the Service The eBanking Payment Service allows you to schedule bill payments through eBanking. You can schedule, at your option, for the payment of your current, future and recurring bills from any of your Home Federal Bank checking accounts. There is no limit to the number of payments that may be authorized. You may pay any merchant or individual through the use of eBanking. We are unable to process any payment of taxes or court-directed payments through eBanking Payment Services. By furnishing us with the names of payees/merchants, you authorize us to follow the payment instructions to these payee/merchants that you provide us through eBanking. When we receive a payment instruction (for the current or a future date), we will remit funds to the payee on your behalf from the funds in your selected checking account. When eBanking receives a payment instruction, you authorize it to charge your checking account and remit funds on your behalf so that the funds arrive as close to the business day designated by you as reasonably possible. While it is anticipated that most transactions will be completed on the exact day designated, it is understood that due to circumstances beyond the control of eBanking, particularly delays in handling and posting payments slow-responding companies or financial institutions, some transactions may take a day or even a few days longer. For this reason, it is recommended that all payments transfers be scheduled to at least (7) seven business days before the actual due date, not the late date. By choosing a payment date less than (7) seven days prior to the actual due date, the risk of incurring and the responsibility for paying any and all charges or penalties shall be borne by you. eBanking will use its best efforts to process all your payments properly. However, eBanking shall incur no liability if it is unable to complete any payments initiated by you through eBanking payment services because of the existence of any one or more of the following circumstances:
Home Federal Bank reserves the right to terminate your use of eBanking bill payment service in whole or part, at any time without prior notice. If, for any reason, you should ever wish to cancel eBanking bill payment services, we strongly suggest that you cancel all future bill payments at the same time that you cancel your service, either by deleting those payments yourself using eBanking or calling Home Federal Bank's Customer Service at 208-466-4634 (in the Boise calling area) or 1-800-888-7283 (outside the Boise calling area). This will ensure that future payments and transfers made by you will not be duplicated. We will automatically delete all outstanding payment orders (all individual payments and all recurring payments) once we have been notified that your service has been terminated. We will continue to maintain your accounts until you notify us otherwise. B. Bill Pay Fees The monthly fee for eBanking payment services is listed in your Service Charges and Fees Brochure. This fee covers unlimited bill payments to anyone you wish to pay in the U.S. These fees cover service for the previous month and are effective upon enrollment. Fees will be charged to your payment account, whether or not bill payments are made out of that account, or any other account linked to eBanking payment services. Additionally, you agree to pay any special charges in effect as announced by the Bank from time to time. These charges are in addition to the fees and service charges specified in your applicable checking, savings, overdraft protection account agreements (for example, uncollected or overdraft charges on your checking account). If the payment account has insufficient funds to cover fees, the Bank will deduct the fee from any other checking account linked to eBanking (in any order we may choose). If the fee cannot be paid, we may cancel your Bill Pay service. After cancellation, your Bill Pay service may be reinstated by contacting Home Federal Bank Customer Service once sufficient funds are available in your payment account to cover the bill payment fees and any other pending transfers or debits. » Back to top V. General Terms A. Changes to Charges, Fees or Other Terms We reserve the right to change the charges, fees or other terms described in this Agreement. However, when changes are made to any fees or charges, we will send a notice to you at the address shown on our records. The notice will be sent at least thirty (30) days in advance of the effective date of any additional fees for Online transactions, or of any stricter limits on the type, amount or frequency of transactions or any increase in your responsibility for unauthorized transactions, unless an immediate change is necessary to maintain the security of the system. If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with electronic or written notice within thirty (30) days after the change. As always, you may choose to accept or decline changes by continuing or discontinuing the accounts or services to which these changes relate. We also reserve the option, in our business judgment, to waive, reduce or reverse charges or fees in individual situations. Changes to fees applicable to specific accounts are governed by the applicable Customer Account Agreement. B. Disclosure of Account Information You understand that in addition to information furnished pursuant to legal process, some information about your accounts may automatically be disclosed to others. For example, the tax laws require disclosure to the government of the amount of the interest you earn, and some transactions, such as certain large currency and foreign transactions, must be reported to the government. The Bank may also provide information about your account(s) to persons or companies the Bank believes 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, the Bank routinely informs a credit bureau when accounts are closed by the Bank because they were not handled properly. The Bank may also seek information about you from others, such as a credit bureau, in connection with the opening or maintaining of your account. You authorize these transfers of information. C. Questions or Error Correction on eBanking Transactions
Other Agreements - In addition to this Agreement you agree to be bound by and will comply with the requirements of the applicable Customer Account Agreement, the Bank's rules and regulations, the rules and regulations of any funds transfer system to which the Bank belongs, and applicable State and Federal laws and regulations. We agree to be bound by them also. Home Federal Bank Reserves the Right to terminate this Agreement - The Bank reserves the right to terminate this Agreement and your access to eBanking, in whole or in part, at any time without prior notice. » Back to top VI. Protecting Your Account A. Preventing Misuse of Your Account Your role is extremely important in the prevention of any wrongful use of your account. You must promptly examine your statement upon receipt. If you find that your records and ours disagree, you must immediately call Home Federal Bank Customer Service at 208-466-4634 (in the Boise calling area) or 1-800-888-7283 (outside the Boise calling area). Protecting Personal Information - In addition to protecting your account information, you should also take precautions to protect your personal identification information, such as your driver's license, Social Security Number, etc. This information by itself or together with information on your account may allow unauthorized access to your account(s). It is your responsibility to protect personal information with the same level of care that you protect your account information. Taking Care of Your Online Password - The password that is used to gain access to eBanking should also be kept confidential. For your protection we recommend that you change your online password regularly. It is recommended that you memorize this online password and do not write it down. You are responsible for keeping your password, account numbers and other account data confidential. If you believe that your online password may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, notify Home Federal Bank Customer Service at once at 208-466-4634 (in the Boise calling area) or 1-800-888-7283 (outside the Boise calling area). B. Unauthorized Transactions in Your Home Federal Bank Accounts Notify us immediately if you believe another person has improperly obtained your online password. Also notify us if someone has transferred or may transfer money from your account without your permission, or if you suspect any fraudulent activity on your account. Only reveal your account number to a legitimate entity for a purpose you authorize (such as your insurance company for automatic payments). To notify us, call Home Federal Bank Customer Service at 208-466-4634 (in the Boise calling area) or 1-800-888-7283 (outside the Boise calling area), or write to Home Federal Bank, Electronic Services, P.O. Box 190, Nampa, ID 83653. If your online password has been compromised and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Online password without your permission to access a Home Federal Bank deposit account. If you do NOT tell us within two (2) business days after you learn of the loss or theft, and we could have stopped someone from taking money without your permission had you told us, you could lose as much as $500. Also, if your statement shows withdrawals, transfers or purchases that you did not make or authorize, please notify us immediately. If you do not notify us within sixty (60) days after the paper statement was mailed to you, and we could have stopped someone from taking money if you had told us in time, you may not get back any money lost after the sixty (60) days. If extenuating circumstances, such as a long trip or hospital stay, kept you from telling us, the time periods in this section will be extended. » Back to top |
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1-800-888-7283 / 208-466-4634 Privacy Security |