Phishing Scam

A scam is currently circulating involving a phone caller that claims your ATM card has been blocked and asking you to press 1 to restore service. These calls are a scam and neither HomeFed or Bank of the Cascades would contact you in this manner. If you've given out your card information, please contact us at 1-800-888-7283.

Home Federal Bank

eBanking Access Agreement

Download a PDF of the eBanking Access Agreement (Adobe Reader required)

I. Introduction

II. Accessing Your Home Federal Bank Accounts through eBanking
A. Requirements
B. Electronic Mail (Bank Mail)
C. Fees
D. New Services
E. Benefits of Using eBanking

III. Terms and Conditions
A. Your Online Password and User ID
B. Payment Account
C. Our Liability
D. Overdrafts: Order of Payments, Transfers, Other Withdrawals
E. Hours of Accessibility
F. Additional Terms and Conditions

IV. General Terms
A. Changes Fees or Other Terms
B. Disclosure of Account Information
C. Questions or Error Correction on eBanking Transactions
D. Other General Terms

V. 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 eBanking services offered. By using the eBanking Services, you agree to the terms and conditions of this Access Agreement. This 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 or authorized user 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 terms and conditions applicable to your account(s).

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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 (Bank Mail)
Sending electronic mail (Bank Mail) through eBanking is a way to communicate with the Bank. Bank Mail is provided for you to ask questions about your account(s) and provide general feedback. Bank Mail is accessible after you sign on to a session of eBanking with your password. To ensure the security of your account information, we recommend that you use the Bank Mail option through eBanking when asking specific questions about your account(s).

You cannot use email or Bank Mail to initiate transactions on your account(s). For banking transactions, please use the appropriate functions within eBanking, or call the Client Services Team at 1-800-888-7283.

C. Fees
There are no monthly or transaction fees for accessing your account(s) through eBanking. Please note that fees may be assessed by your internet or telephone 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 business accounts from your home or office on your personal computer. You can use eBanking to:

  • View account balances and review transaction history
  • Transfer money between your accounts
  • Pay bills to any merchant, institution or individual
  • Communicate directly with Home Federal Bank through Bank Mail 

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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 and User ID
You will choose an online password and User ID at the time of enrollment that will give you access to your Home Federal Bank accounts for eBanking access. Your User ID must be a minimum of 7 characters in length, including at least 1 letter. The password and User ID can be changed within eBanking at any time. Your password must contain a minimum of 5 letters, 2 numbers and 1 special character, and you may not use your TIN or User ID as part of your password. We recommend that you change your password regularly. Home Federal Bank will act on instructions received under your password and consider the transactions to have been made by an authorized person. 

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 (ePay). You agree to pay promptly any and all fees 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 the Home Federal Bank Client Services Team at 1-800-888-7283 to cancel the eBanking services.

You agree that you are responsible for any telephone, internet or other utility charges incurred by accessing your Home Federal Bank accounts through eBanking.

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 Internet Explorer browser), OR by Internet access providers OR by Online service providers OR by an agent or subcontractor of any of the foregoing. Additionally, Home Federal Bank and the service providers will not 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
The order in which items are presented may affect the total fees assessed to your account. The first items that we pay are ATM withdrawals, debit card transactions, and any checks cashed at the teller line or that you have written to us. We then pay any remaining items based on dollar amount from smallest amount to largest.

If your account has insufficient funds to perform all transfers (ATM withdrawals, pre-authorized transactions, eBanking transfers and ePayments [bill payments], etc.) that you have requested for a given business day, the electronic funds transfers initiated through eBanking may result in an overdraft of your account or may, at Home Federal Bank's discretion, be canceled.

Please refer to the Account Fee Schedule for a complete list of any and all fees that may apply to your account(s) or transactions initiated on your account, including those through eBanking, including overdraft and non-sufficient funds fees.

E. Hours of Accessibility
You can access your Home Federal Bank accounts through eBanking seven days a week, 24 hours a day.

A transfer initiated through eBanking, up to the time indicated on the ‘Transfers’ page in eBanking, will post to your account the same day when conducted on a business day. All transfers completed after this time, and on a Saturday, Sunday or Federal 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. 

At certain times, some or all eBanking access may not be available due to scheduled system maintenance. You will be notified online when this occurs. Other technical problems or issues may render the eBanking service unavailable from time to time. You understand and agree that in those instances you should transact time-sensitive business in person at a branch location.

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 your Account Agreement and Disclosures, as required. 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. 

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IV. General Terms

A. Changes to Fees or Other Terms
We reserve the right to modify the fees or other terms described in this Agreement. However, when changes are made to any fees on a consumer purpose account, 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 eBanking 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 fees. 

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 consumer reporting agency when accounts are closed by the Bank because they were not managed in accordance with the terms and conditions of the account(s). The Bank may also seek information about you from others, such as a consumer reporting agency, in connection with the opening or maintaining of your account. You authorize these transfers of information. 

C. Questions or Error Correction on eBanking Transactions
In case of questions about, or inquiries related to possible errors in funds transfers through eBanking involving your account, refer to your Account Agreement and Disclosures.

D. Other General Terms
Other Agreements—In addition to this Agreement you agree to be bound by and will comply with the requirements of the terms and conditions applicable to your account(s), 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. 

Suspension, Cancellation, Termination—Home Federal Bank reserves the right to terminate this Agreement and your access to eBanking, in whole or in part, at any time without prior notice.

Your online access may be canceled by Home Federal Bank at any time, without prior notice, due to insufficient funds in any 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 the Home Federal Bank Client Services Team at 1-800-888-7283.

If you do not access your Home Federal Bank accounts through eBanking for any 90 day period, Home Federal Bank reserves the right to cancel your service without notice. Please note that your bill payment information will be lost if your service is cancelled for any reason.

If you wish to cancel any of the services offered through eBanking, please contact the Home Federal Bank Client Services Team at 1-800-888-7283, or send us cancellation instructions in writing to Home Federal Bank, Attn: Electronic Banking Services Team, P.O. Box 10426, Eugene, OR 97740. 

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V. 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 the Home Federal Bank Client Services Team at 1-800-888-7283.

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 about 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 the Home Federal Bank Client Services Team immediately at 1-800-888-7283.

B. Unauthorized Transactions in Your Home Federal Bank Accounts
Only reveal your account number to a legitimate entity for a purpose you authorize (such as your insurance company for automatic payments). 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(s). To notify us, call the Home Federal Bank Client Services Team at 1-800-888-7283, or write to Home Federal Bank, Electronic Banking Services Team, P.O. Box 10426, Eugene, OR 97740.

For all consumer accounts, your liability for unauthorized transactions is limited as required by Regulation E, as follows: If your eBanking 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 eBanking 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 may be extended.

Commercial accounts are not governed by Regulation E, and are therefore not afforded the protections described above. 

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Rev 5/2012 

Bill Payment Service (ePay) Terms and Conditions

Download a PDF of the Bill Payment Service Terms and Conditions (Adobe Reader required)

The eBanking Bill 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. You may pay any merchant or individual through the use of this Service.

There is no limit to the number of payments that may be authorized. However, you may only authorize individual payments/transfers up to $9,999.99 from a consumer Payment Account. You may authorize individual payments/transfers up to $99,999.99 from a business Payment Account.

SERVICE DEFINITIONS

  • Service or The Service means the bill payment service offered by Home Federal Bank, through CheckFree Services Corporation, a subsidiary of Fiserv Solutions, Inc.
  • Agreement means these terms and conditions of the bill payment service.
  • Client Services means the Client Services team of Home Federal Bank. Please see the ERRORS AND QUESTIONS section below for Client Services contact information.
  • Biller is the person or entity to which you wish a bill payment to be directed or is the person or entity from which you receive electronic bills, as the case may be.
  • Payment Instruction is the information provided by you to the Service for a bill payment to be made to the Biller (such as, but not limited to, Biller name, Biller account number, and Scheduled Payment Date).
  • Payment Account is the account from which bill payments will be debited.
  • Billing Account is the account from which all Service fees will be automatically debited.
  • Business Day is every Monday through Friday, excluding Saturdays, Sundays and Federal holidays.
  • Scheduled Payment Date is the day you want your Biller to receive your bill payment and is also the day your Payment Account will be debited, unless the Scheduled Payment Date falls on a non-Business Day in which case it will be considered to be the previous Business Day.
  • Due Date is the date reflected on your Biller statement for which the payment is due; it is not the late date or grace period.
  • Scheduled Payment is a payment that has been scheduled through the Service but has not begun processing.

PAYMENT SCHEDULING

The earliest possible Scheduled Payment Date for each Biller (typically four (4) or fewer Business Days from the current date) will be designated within the application when you are scheduling the payment. Therefore, the application will not permit you to select a Scheduled Payment Date less than the earliest possible Scheduled Payment Date designated for each Biller. When scheduling payments you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Biller statement unless the Due Date falls on a non-Business Day. If the actual Due Date falls on a non-Business Day, you must select a Scheduled Payment Date that is at least one (1) Business Day before the actual Due Date. Scheduled Payment Dates should be prior to any late date or grace period to avoid the risk of incurring charges or penalties assessed by the Biller.

THE SERVICE GUARANTEE

Due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by Billers or financial institutions, some transactions may take longer to be credited to your account. The Service will bear responsibility for any late payment related charges up to $50.00 should a payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines described under "Payment Scheduling" in this Agreement.

PAYMENT AUTHORIZATION AND PAYMENT REMITTANCE

By providing the Service with names and account information of Billers to whom you wish to direct payments, you authorize the Service to follow the Payment Instructions that it receives through the payment system. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Biller directives.

When the Service receives a Payment Instruction, you authorize the Service to debit your Payment Account and remit funds to the Biller on your behalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize the Service to credit your Payment Account for payments returned to the Service by the United States Postal Service or Biller, or payments remitted to you on behalf of another authorized user of the Service.

The Service will use its best efforts to make all your payments properly. However, the Service shall incur no liability and any Service Guarantee shall be void if the Service is unable to complete any payments initiated by you because of the existence of any one or more of the following circumstances:

  1. If, through no fault of the Service, your Payment Account does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit of any overdraft coverage you may have; 
  2. The payment processing center is not working properly and you know or have been advised by the Service about the malfunction before you execute the transaction; 
  3. You have not provided the Service with the correct Payment Account information, or the correct name, address, phone number, or account information for the Biller; and/or, 
  4. Circumstances beyond control of the Service (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and the Service has taken reasonable precautions to avoid those circumstances.

Provided none of the foregoing exceptions are applicable, if the Service causes an incorrect amount of funds to be removed from your Payment Account or causes funds from your Payment Account to be directed to a Biller which does not comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to your Payment Account, and for directing to the proper Biller any previously misdirected transactions, and, if applicable, for any late payment related charges.

PAYMENT METHODS

The Service reserves the right to select the method in which to remit funds on your behalf to your Biller. These payment methods may include, but may not be limited to, an electronic payment, an electronic to check payment, or a draft check payment. (Funds remitted to the Biller via draft check are deducted from your Payment Account when the draft check is presented to your financial institution for payment).

PAYMENT CANCELLATION REQUESTS

You may cancel or edit any Scheduled Payment (including recurring payments) by following the directions within the Service. There is no charge for canceling or editing a Scheduled Payment. Once the Service has begun processing a payment it cannot be cancelled or edited, therefore a stop payment request must be submitted.

STOP PAYMENT REQUESTS

The Service's ability to process a stop payment request will depend on the payment method and whether or not a check made payable to the Biller has cleared. The Service may also not have a reasonable opportunity to act on any stop payment request after a payment has been processed. If you desire to stop any payment that has already been processed, you must contact Client Services. Although the Service will make every effort to accommodate your request, the Service will have no liability for failing to do so. The Service may also require you to present your request in writing within fourteen (14) days. The fee for each stop payment request will be the current fee for such service as set out in the applicable fee schedule related to your Payment Account.

PROHIBITED PAYMENTS

Payments to Billers outside of the United States or its territories are prohibited through the Service. Transactions that are disclosed as restricted in any account agreement applicable to the Payment Account, or that violate any law, statute, ordinance or regulation are prohibited through the Service.

EXCEPTION PAYMENTS

Tax payments and court ordered payments may be scheduled through the Service, however such payments are discouraged and must be scheduled at your own risk. In no event shall the Service be liable for any claims or damages resulting from your scheduling of these types of payments. The Service Guarantee as it applies to any late payment related changes is void when these types of payments are scheduled and/or processed by the Service. The Service has no obligation to research or resolve any claim resulting from an exception payment. All research and resolution for any misapplied, misposted or misdirected payments will be the sole responsibility of you and not of the Service.

BILL DELIVERY AND 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. In addition, if you elect to activate one of the Service's electronic bill options, you also agree to the following:

Information provided to the Biller - The Service is unable to update or change your personal information such as, but not limited to, name, address, phone numbers and email addresses, with the electronic Biller. Any changes will need to be made by contacting the Biller directly. Additionally, it is your responsibility to maintain all usernames and passwords for all electronic Biller sites. You also agree not to use someone else's information to gain unauthorized access to another person's bill. The Service may, at the request of the Biller, provide to the Biller your email address, service address, or other data specifically requested by the Biller at the time of activating the electronic bill for that Biller, for purposes of the Biller informing you about Service and/or bill information.

Activation - Upon activation of the electronic bill feature, the Service may notify the Biller of your request to receive electronic billing information. 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 each Biller. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Biller. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Biller reserves the right to accept or deny your request to receive electronic bills.

Authorization to obtain bill data - Your activation of the electronic bill feature for a Biller shall be deemed by us to be your authorization for us to obtain bill data from the Biller on your behalf. For some Billers, you will be asked to provide us with your user name and password for that Biller. By providing us with such information, you authorize us to use the information to obtain your bill data.

Notification - The Service will use its best efforts to present all of your electronic bills promptly. In addition to notification within the Service, the Service may send an email notification to the email address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to the Service and check on the delivery of new electronic bills. The time for notification may vary from Biller to Biller. You are responsible for ensuring timely payment of all bills.

Cancellation of electronic bill notification - The electronic Biller reserves the right to cancel the presentment of 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 each Biller. The Service will notify your electronic Biller(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation.

Non-Delivery of electronic bill(s) - You agree to hold the Service harmless should the Biller fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Biller directly.

Accuracy and dispute of electronic bill - The Service is not responsible for the accuracy of your electronic bill(s). The Service is only responsible for presenting the information we receive from the Biller. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Biller directly.

This Agreement does not alter your liability or obligations that currently exist between you and your Billers.

EXCLUSIONS OF WARRANTIES

THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

PASSWORD AND SECURITY

You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Client Services at once by calling 1-800-888-7283 during regular business hours. Client Services regular business hours for Home Federal Bank are from 8:30 am – 6:00 pm MT Monday – Friday.

YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS

For all consumer accounts your liability for unauthorized transactions is limited as required by Regulation E, as follows: If you tell us within two (2) Business Days after you discover your password or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do NOT tell us within two (2) Business Days after you learn of such loss or theft, and we could have prevented the unauthorized use of your password or other means to access your account if you had told us, you could be liable for as much as $500.00. If your monthly financial institution statement contains transfers that you did not authorize, you must tell us at once. If you do NOT tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period.

Commercial accounts are not governed by Regulation E, and are therefore not afforded the protections described above relating to transactions conducted on consumer account types.

ERRORS AND QUESTIONS

In case of errors or questions about your transactions, you should as soon as possible notify us via one of the following:

  1. Telephone us at 1-800-888-7283 during Client Services hours; 
  2. Contact us by using the application's e-messaging feature; and/or, 
  3. Write us at:
    Home Federal Bank
    Attn: Electronic Banking Services Team
    P.O. Box 10426
    Eugene, OR 97740

If you think your statement is incorrect or you need more information about a Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must:

  1. Tell us your name and Payment Account number; 
  2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and, 
  3. Tell us the dollar amount of the suspected error.

If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, and will correct any error promptly.

For all consumer accounts, Regulation E provides that if we require more time to confirm the nature of your complaint or question, we have the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Account. If it is determined there was no error we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.

Commercial accounts are not governed by Regulation E, and are therefore not afforded the protections described above relating to transactions conducted on consumer account types.

DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES

It is our general policy to treat your account information as confidential. However, we will disclose information to third parties about your account or the transactions you make ONLY in the following situations:

  1. Where it is necessary for completing transactions; 
  2. Where it is necessary for activating additional services; 
  3. In order to verify the existence and condition of your account to a third party, such as a credit bureau or Biller; 
  4. To a consumer reporting agency for research purposes only; 
  5. In order to comply with a governmental agency or court orders; or, 
  6. If you give us your written permission.

SERVICE FEES AND ADDITIONAL CHARGES

Any applicable fees will be charged regardless of whether the Service was used during the billing cycle. There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize the Service to deduct the calculated amount from your designated Billing Account for these amounts and any additional charges that may be incurred by you. Any financial fees associated with your standard deposit accounts, as disclosed in your account documents and agreements, will continue to apply. You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider.

FAILED OR RETURNED TRANSACTIONS

In using the Service, you are requesting the Service to make payments for you from your Payment Account. If we are unable to complete the transaction for any reason associated with your Payment Account (for example, there are insufficient funds in your
Payment Account to cover the transaction), the transaction will not be completed. In some instances, you will receive a return notice from the Service. In such case, you agree that:

  1. You will reimburse the Service immediately upon demand the transaction amount that has been returned to the Service; 
  2. For any amount not reimbursed to the Service within fifteen (15) days of the initial notification, a late charge equal to 1.5% monthly interest on the transaction amount, or the legal maximum, whichever rate is lower, for any unpaid amounts may be imposed; 
  3. You will reimburse the Service for any fees imposed by your financial institution as a result of the return; 
  4. You will reimburse the Service for any fees it incurs in attempting to collect the amount of the return from you; and, 
  5. The Service is authorized to report the facts concerning the return to any credit reporting agency.

ALTERATIONS AND AMENDMENTS

This Agreement, applicable fees and service charges may be altered or amended by the Service from time to time. In such event, the Service shall provide notice to you. Any use of the Service after the Service provides you a notice of change will constitute your agreement to such change(s). Further, the Service may, from time to time, revise or update the applications, services, and/or related material, which may render all such prior versions obsolete. Consequently, the Service reserves the right to terminate this Agreement as to all such prior versions of the applications, services, and/or related material and limit access to only the Service's more recent revisions and updates. In addition, as part of the Service, you agree to receive all legally required notifications via electronic means.

ADDRESS OR BANKING CHANGES

It is your sole responsibility to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, address, phone numbers and email addresses. Changes can be made by contacting Client Services. Any changes in your Payment Account should also be made in accordance with the procedures outlined within the application's Help files. All changes made are effective immediately for scheduled and future payments paid from the updated Payment Account information. The Service is not responsible for any payment processing errors or fees incurred if you do not provide accurate Payment Account or contact information.

SERVICE TERMINATION, CANCELLATION, OR SUSPENSION

In the event you wish to cancel the Service, please contact us via one of the following: 

  1. Telephone us at 1-800-888-7283 during Client Services hours;
  2. Write us at:
    Home Federal Bank
    Attn: Electronic Banking Services Team
    P.O. Box 10426
    Eugene, OR 97740

Any payment(s) the Service has already processed before the requested cancellation date will be completed by the Service. All Scheduled Payments, including recurring payments, will not be processed once the Service is cancelled. The Service may terminate or suspend Service to you at any time. Neither termination nor suspension shall affect your liability or obligations under this Agreement.

BILLER LIMITATION

The Service reserves the right to refuse to pay any Biller to whom you may direct a payment. The Service will notify you promptly if it decides to refuse to pay a Biller designated by you. This notification is not required if you attempt to make a Prohibited Payment or an Exception Payment under this Agreement.

RETURNED PAYMENTS

In using the Service, you understand that Billers and/or the United States Postal Service may return payments to the Service for various reasons such as, but not limited to, Biller's forwarding address expired; Biller account number is not valid; Biller is unable to locate account; or Biller account is paid in full. The Service will use its best efforts to research and correct the returned payment and return it to your Biller, or void the payment and credit your Payment Account. You may receive notification from the Service.

INFORMATION AUTHORIZATION

Your enrollment in the Service may not be fulfilled if the Service cannot verify your identity or other necessary information. In order to verify ownership of the Payment Account(s) and/or Billing Account, the Service may issue offsetting debits and credits to the Payment Account(s) and/or Billing Account, and require confirmation of such from you. Through your enrollment in the Service, you agree that the Service reserves the right to request a review of your credit rating at its own expense through an authorized bureau. In addition, you agree that the Service reserves the right to obtain financial information regarding your account from a Biller or your financial institution (for example, to resolve payment posting problems or for verification).

DISPUTES

In the event of a dispute regarding the Service, you and the Service agree to resolve the dispute by looking to this Agreement or any future revisions thereof. You agree that this Agreement is the complete and exclusive statement of the agreement between you and the Service which supersedes any proposal or prior agreement, oral or written, and any other communications between you and the Service relating to the subject matter of this Agreement. If there is a conflict between what an employee of the Service or the Client Services Team says and the terms of this Agreement, the terms of this Agreement will prevail.

ASSIGNMENT

You may not assign this Agreement to any other party. The Service may assign this Agreement to any future, directly or indirectly, affiliated company. The Service may also assign or delegate certain rights and responsibilities under this Agreement to independent contractors or other third parties.

NO WAIVER

The Service shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the Service. No delay or omission on the part of the Service in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

CAPTIONS

The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.

GOVERNING LAW

This Agreement shall be governed by and construed in accordance with the laws of the States of Georgia, Idaho and Oregon, without regard to its conflicts of laws provisions. To the extent that the terms of this Agreement conflict with applicable state or federal law, such state or federal law shall replace such conflicting terms, only to the extent required by law. Unless expressly stated otherwise, all other terms of this Agreement shall remain in full force and effect.

THE FOREGOING SHALL CONSTITUTE THE SERVICE'S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL THE SERVICE BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE EQUIPMENT, SOFTWARE, AND/OR THE SERVICE.

Rev 6/2012

Online Banking Help

Welcome to the Online Banking Frequently Asked Questions library. Here you can get information and suggestions for problems you may be experiencing.

Exactly what equipment and software do I need to access Home Federal Bank's eBanking and ePay product?

  • You will need an Internet Service Provider (ISP), a modem (the faster the better, but at least 28,800 baud is recommended), and Browser software which supports Secure Sockets Layer (SSL) encryption. For best results, we recommend Microsoft Internet Explorer 5.5, and Netscape Navigator 4.7 or higher. In all cases it is important that you be on the most recent release of whatever version you are on.

 Is the Internet safe and secure for online banking?

  • Yes. We use 128-bit encryption: Secure Socket Layer 3.0 (SSL) for all communications. This is currently the highest level of security available for Internet transactions.

 Can anyone else see my account information?

  • No. Your online account information is available through access methods that have been rigorously tested for security accessibility. The information is not public. Only you can access it using your Sign-On ID and Password. You can help safeguard your information and the banking systems by protecting your Sign-On ID and Password. A proper combination of your Sign-On ID and Password is the only way to get access into your account.

 What if eBanking goes down? Will my payments be made? Will my transfers go through?

  • If eBanking and all of our back up systems were to go down, you can be comfortable that any transaction which you had already processed, prior to the system going down, will go through. If you were in the middle of a transaction and there is some question as to whether the system received the request, feel free to contact the bank to ensure your transaction request has been accepted.

 How long does it take for a payment to reach my payee?

  • Each electronic payment made by ePay will be processed either by check or by electronic funds transfer. If the payment is made through electronic funds transfer, it may take a day or two for the payment to reach your payee. Payments made by check, however, will be delivered via the postal service. Delivery could take several days depending on where the payment is to be sent. The safest thing is to always schedule your payments at least seven business days ahead of the date they are due. This will ensure that the payment will be made and processed in time.

 What if I don't sign up for ePay initially and later decide that I want to sign up?

  • You can sign up for ePay anytime you want. Just click on the Pay Bills button located on the Transaction screen. You will be notified that you are not currently enrolled. You will then be presented the opportunity to enroll. Simply acknowledge your desire to enroll, and you can immediately start using the service.

 What types of accounts are included in eBanking?

  • You can access the following types of accounts: Checking, Savings, Loan, CDs/Investment

 Should the payment date I give be the date the payment is actually due?

  • No. You need to allow seven (7) calendar lead days for the payment to reach your payee, so enter a date seven (7) days before the actual due date. Be sure to take into account that, although you can schedule a payment at any time, payments are actually initiated (sent to the payee) only on business days.

 What happens if I don't have enough money in my account to cover a bill payment?

  • If your account has sufficient overdraft protection to cover the payment, we'll draw against that. Otherwise, the payment will be returned for insufficient funds.

 When and how are my payments delivered and how can I ensure that my payee receives my payment on the due date?

  • When you schedule a payment with ePay, the payment is warehoused until it is time to process it. The time to process will vary depending on how the payment is to be made and how long it will take to get the payment to the payee. Once the system has determined that it is time to process the payment, the payment is changed to a processing status. An electronic funds transfer then processes the payment, or a check is produced and made payable to the payee. The check is then sent to the payee via regular mail. Submitting payment requests seven days in advance ensures there is sufficient lead time to process your request and get it to the payee by the date you specify.

 Why does it take a few days to process payments?

  • Although a number of your payees accept payments electronically, many do not. For those that do not accept electronic payments, we must send a check to that payee through the U.S. Mail. Once the check is received by the payee, it may also take a day or so for that payee to process the check and post it to your account. Even for electronic payments, it may take two or three days for your payment to be posted. By allowing a few days for processing and delivery, we can guarantee that your bills are paid on time.

 How can I prove payments and transfers were made?

  • With each bill payment, you are given a reference number. This reference number indicates that we have received the bill payment request and is used for tracking payments if a problem occurs. Payments and transfers also appear on your Register screen. If the last column in the register is marked with an X, the transfer or bill payment has posted against your account. Your monthly statement from your payee should also indicate the date and amount of the payment.

 How will the payments be made?

  • We use two methods of payment: Electronic - ePay sends an electronic credit to your payee. Your account is charged seven (7) days prior to the payment date to ensure that funds are available. Laser Draft - A paper check is sent to your payee by mail. Your account is charged seven (7) days prior to the scheduled Due Date.

 Can I choose the method of payment?

  • No. ePay will process the payment electronically if possible. If not, then an Online Check is produced. Over time, some payees who could not accept electronic payment may be able to. They will then begin being paid electronically.

 Does eBanking work with Quicken?

  • Absolutely. eBanking was designed to be highly compatible with this popular software. We have achieved this compatibility by building an industry-standard Quicken Interchange Format (QIF) downloading capability right into eBanking. You can access the downloading capability from the Reports screen.