Cash Management


By clicking on the Xpress Net Banking application button above, you acknowledge that you have read and do agree to the disclosures listed below. Print these terms and conditions and retain a copy for your future reference. Please print the application and submit through postal service or drop off at any CSB office location.



INTERNET BANKING AGREEMENT AND DISCLOSURE STATEMENT

This agreement states the terms and conditions that apply when you use The Commercial and Savings Bank (CSB) Internet Banking service. These terms and conditions are in addition to those that apply to any accounts you have with us or any other services you obtain from us. Strict adherence to all of CSB instructions and procedures applicable to the services covered by this agreement is required.

"You" and "your" mean each person who establishes an Internet Banking Customer Account with us or who uses or is authorized to use an Internet Banking identification number and personal identification number (PIN) or other means of access we establish or approve. The term "Internet Banking" means the CSB service that allows you to make payments, transfer funds, access accounts, obtain information and perform other transactions over the Internet by use of a personal computer and modem and/or other means CSB authorizes or allows.

IDENTIFICATION NUMBER AND PIN
To access CSB's Internet Banking service, you must use the identification number and/or other means of access CSB establishes or provides for your Internet Banking Account, together with a PIN. Anyone to whom you give your Internet Banking identification number and PIN or other means of access will have full access to your accounts, even if you attempt to limit that person's authority.

INTERNET FUNDING ACCOUNT
You must be an owner in each of the accounts designated on your Internet Banking application. You may not designate any account that requires more than one signature for withdrawals. Accounts for organizations, associations, clubs, businesses (except in DBA cases), public funds and other such entities are not permitted to be commingled with personal accounts of the officers or agents. A written resolution shall be required authorizing the establishment of Internet Banking services for such entities and filed with CSB.

INTERNET BANKING TRANSACTIONS
You, or someone you have authorized by giving them your Internet Banking identification number and PIN or other means of access (even if that person exceeds your authority), may instruct us to perform the following transactions:
• Make transfers between your qualifying accounts to the extent authorized;
• Obtain information that we make available about your qualifying accounts;
• Obtain other services or perform other transactions that CSB authorizes; and
• Create a payment to any business or person through the Xpress BillPay portion of Internet Banking.

LIMITS ON INTERNET BANKING TRANSACTIONS
You must have enough available funds in any account from which you instruct us to make a payment or transfer. If any of your designated accounts are savings accounts, certain restrictions on the types of withdrawals from those accounts, including payments and transfers, are limited to a total of no more than 6 in any specified period. The specified period for savings accounts is the monthly statement period. The kinds of withdrawals covered by this limitation are those made by means of preauthorized or automatic transfers and payments or telephone agreement. You also agree to the "Terms & Conditions of Your Deposit Account" that you received when you opened your deposit account. You may request another copy of the "Terms & Conditions of Your Deposit Account" at any time.

OUR LIABILITY FOR FAILURE TO COMPLETE PAYMENTS OR TRANSFERS
If CSB does not complete a payment or transfer on time or in the correct amount according to our agreement with you, CSB may be liable for your losses or damages. However, there are exceptions. CSB WILL NOT be liable for the following:
1) If, through no fault of CSB, you do not have enough available money in the account from which a payment or transfer is to be made, or if the account has been closed or is not in good standing, or if CSB reverses a payment or transfer because of insufficient funds.
2) If any payment or transfer would go over the credit limit of any account.
3) If your equipment or CSB's was not working properly and the breakdown should have been apparent to you when you attempted to conduct the transaction.
4) If you have not given us complete, correct or current account numbers or other identifying information so that we can properly credit/debit your account or otherwise complete the transaction.
5) If you do not properly follow CSB's instructions or if you provide CSB with wrong or inaccurate information or fail to correct or tell CSB about any inaccuracy of which you are aware.
6) If you do not instruct CSB soon enough for your payment or transfer to be received and credited by the time it's due.
7) If the money in the account from which a payment or transfer is to be made is subject to legal process or other claim that would restrict the transaction.
8) If circumstances or persons beyond our control prevent, delay, intercept or alter the transaction, despite reasonable precautions that CSB has taken.

BUSINESS DAYS
Our Xpress Net Banking service is generally available 24 hours a day, 7 days a week. However, CSB will only process transactions and update information on business days. CSB's normal business days are Monday through Friday (Federal Holidays are not included). Transfers made after 5:00 p.m. Monday through Friday will normally be processed on the next business day.

Our Xpress BillPay service is generally available 24 hours a day, 7 days a week. CSB will process payments two times during a business day. Recurring payments and payments entered between 1:01 p.m. and 2:59 a.m., on any business day, can be modified or deleted anytime prior to the 3:00 a.m. processing time. Payments entered between 3:01a.m. and 1:00 p.m., on any business day, can be modified or deleted anytime prior to the 1:00 p.m. processing time.

STATEMENTS
Your Internet Banking transfers and payments will be indicated on the monthly statements CSB provides or makes accessible to you for your Internet Funding Account. You agree to notify CSB promptly if you believe there are any errors or unauthorized transactions on any statement, or if you change your address. Failure to notify CSB in a timely manner could result in the loss of your ability to have errors or unauthorized transactions corrected.

CUSTOMER LIABILITY
You, as a customer, agree to the terms of this Internet Banking account and any service charges that may be imposed. You authorize the deduction of these charges directly from the account balance. You are liable for all transactions that you make or authorize, even if the person you authorize exceeds your authority. If you have given someone your Internet Banking identification number and PIN or other means of access and want to terminate that person's authority, you must change your identification number and PIN or other means of access or take additional steps to prevent further access by such person.

UNAUTHORIZED TRANSACTIONS OR LOSS OR THEFT OF YOUR INTERNET BANKING IDENTIFICATION NUMBER OR PIN
If you believe your Internet Banking identification number or PIN or other means of access have been lost or stolen, or that someone has used them without your authorization, please do the following:

During Normal Business Hours:
Call us immediately at 330-674-9015 or 800-654-9015

After Normal Business Hours:
E-mail us through our Website at www.csb1.com

Immediately phoning CSB is the best way of reducing your possible losses. CSB understands there is no guarantee that e-mail will always arrive at its intended destination. CSB will send e-mail back to you as your confirmation that CSB did receive it. Never send your account, social security, identification numbers or PIN with your e-mail. Your name, address, phone number, and a brief message as to what problem you are having, is all we will need to proceed.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
CSB Bancorp, Inc. and The Commercial and Savings Bank take pride in our adherence to customer confidentiality. When you transact any business with us, you provide us with private financial and personal information, and we are committed to maintaining the confidentiality of that information. You are not only protected by federal and state laws, but by CSB Bancorp, Inc. and The Commercial and Savings Bank's commitment to uphold both the spirit and the letter of those laws. Our commitment is described in this Notice of Your Financial Privacy Rights.

DEFINITIONS
We will first define some terms that will appear throughout this disclosure.
• We, our and us mean CSB Bancorp, Inc. and The Commercial and Savings Bank.
• Nonpublic personal information means information about you that we collect in connection with providing a financial product or a service to you. Nonpublic personal information does not include information that is readily available to the general public.
• An affiliate is a company we own or control.
• A non-affiliated third party is a company that is not an affiliate of ours.

INFORMATION COLLECTION
 We collect nonpublic personal information about you from the following sources:
• Information we receive from you on applications or other forms;
• Information about your transactions with us, our affiliates, or others; and
• Information we receive from a consumer-reporting agency.

We maintain and collect this information for several reasons. The more we know about you, the better we can understand your unique financial needs, and therefore, can provide you with the products and services that can be allocated to your needs. We also collect and analyze customer information as the first step in developing new products. By doing this we may be able to spot trends or changes in the way you manage your finances. For example, if we see, through the course of opening an account, the possibility that you might benefit from any of our services from our Mortgage Department or our Trust Department, we may recommend that service to you.

There are several laws that require us to obtain information from you, such as obtaining a tax identification number for many of your accounts. Also by use of some of the data we collect, we are able to protect the security and privacy of your account at The Commercial and Savings Bank. Some of the information that we collect will positively identify you and your products and services, thereby preventing access by unauthorized individuals.

SHARING INFORMATION WITH OTHER COMPANIES
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

CONFIDENTIALITY AND SECURITY
We restrict access to nonpublic personal information about you to only those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

CHANGES IN POLICY
We reserve the right to change our policy upon proper disclosure with you.

Our online applications are saved in .PDF format and require Acrobat® Reader® to view and print. To download a free version of Acrobat® Reader®, click on the icon to the left. Upon clicking the link, you will be leaving the CSB website. CSB is not responsible for any content or incorrect information you may encounter. Contact our Web Master if you prefer to have an application mailed to you.

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