The Commercial & Savings Bank Online Banking Agreement and Disclosure Statement

This agreement states the terms and conditions that apply when you use CSB Online 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 a CSB Online Banking Customer Account with us or who uses or is authorized to use a CSB Online Banking identification number and password or other means of access we establish or approve. The term “CSB Online 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, mobile devices, and/or other means CSB authorizes or allows.


IDENTIFICATION NUMBER AND PASSWORD


To access CSB’s Online Banking service, you must use the identification number and/or other means of access CSB establishes or provides for your CSB Online Banking Account, together with a password. Anyone to whom you give your CSB Online Banking identification number and password or other means of access will have full access to your accounts, even if you attempt to limit that person’s authority. CSB Business Online Banking allows businesses to appoint an Administrator for their CSB Business Online Banking account. The Administrator has full access to the accounts requested by the business to be viewable through CSB Business Online Banking. The Administrator is authorized to give access and authority levels to other users of the business according to the individual business’ policies.


ONLINE FUNDING ACCOUNT


You must be an owner or authorized signer on an account to access it through your CSB Online Banking. Accounts that require more than one signature for withdrawals will be displayed to view only; no transfer “from” capabilities will be allowed for these accounts. 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.


ONLINE BANKING TRANSACTIONS


You, or someone you have authorized by giving them your CSB Online Banking identification number and password 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 
  • Create a payment to any business or person through the Online BillPay portion of CSB Online Banking; and
  • CSB Business Online Banking ID and Password can allow access to ACH, Wires, Positive Pay and Remote Deposit Capture.


LIMITS ON ONLINE 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 and Conditions of Your Deposit Account” at any time. CSB Business Online Banking customers will also have limits on the total daily amount allowed to be processed through Wires and ACH on a daily basis according to the Recurring Wire Transfer Agreement and/or ODFI- Originator Agreement on file with CSB.


OUR LIABILITY FOR FAILURE TO COMPLETE PAYMENTS OR TRANSFERS


If CSB does not complete a payment, ACH transaction, Wire 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, ACH transaction, wire 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, ACH transaction, wire 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; 
  9. If the amount to be processed through CSB Business Online Banking’s ACH or Wire service is in excess of the daily limit agreed to in the recurring Wire Transfer Agreement or the ODFI Originator Agreement.


BUSINESS DAYS


CSB Online 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 6:00 p.m. Monday through Friday will normally be processed on the next business day. Our Online BillPay service is generally available 24 hours a day, 7 days a week. CSB will process payments two times during a business day. Payments are processed at approximately 8 a.m. and 3 p.m. each business day, and can be modified or deleted any time prior to processing. Our CSB Business Online Banking service is available 24 hours a day, 7 days a week, upon written request. However, the initial restrict access time is defaulted from 6:00 a.m. to 8:00 p.m. Monday through Saturday. CSB will process ACH transactions initiated before 3:00 p.m. Monday through Friday (Federal Holidays are not included) on a daily basis. CSB customers have the capability of transmitting the file one (1) business day prior to the effective date. When transmitting the file one (1) business day prior to the effective date, CSB cannot guarantee the availability of funds on the effective date at the receiving institution. Wires will need to be initiated by 2:00 p.m. for one time and recurring wire transfers.


STATEMENTS


Your Online Banking transfers, ACH transaction, Wires and payments will be indicated on the monthly statements CSB provides or makes accessible to you for your Online 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 CSB Online Banking account & 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 CSB Online Banking identification number and password or other means of access and want to terminate that person’s authority, you must change your identification number and password or other means of access or take additional steps to prevent further access by such person. The CSB Business Online Banking Administrator is authorized to remove user’s authorization level, flag the user as “Held” or have the ID and password for the business changed as needed. All users added to CSB Business Online Banking will only have access to the ID once the Administrator contacts CSB verifying a new user was added.


UNAUTHORIZED TRANSACTIONS OR LOSS OR THEFT OF YOUR CSB ONLINE BANKING IDENTIFICATION NUMBER OR PASSWORD


If you believe your CSB Online Banking identification number or password 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 

CSB Business Online Banking users should contact their Administrator to have their CSB Business Online Banking ID and password reset. The administrator may contact CSB for additional help with lost ID, Password or locked account. 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. Never send your account, social security, or identification numbers or password 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.


MOBILE SERVICES


Your enrollment in the CSB Online Banking Service may include access to some products and services through most mobile devices. You can download the CSB Mobile Banking application for iOS or Android devices. CSB does not guarantee that your device or mobile phone service provider will be compatible with CSB Mobile Banking. We reserve the right to modify the scope of the CSB Mobile Banking Services at any time. By using the CSB Mobile Banking Services, you agree to the following terms. You agree that we may send you information relative to CSB Mobile Banking Services through your communication service provider in order to deliver them to you and that your communication service provider is acting as your agent in this capacity. You agree to provide a valid phone number, e-mail address or other delivery location so that we may send you certain information about your applicable account or otherwise related to the CSB Mobile Banking Services. Additionally, you agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys' fees) arising from your provision of a phone number, e-mail address, or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of the Agreement. CSB will not be liable to you for any losses caused by your failure to properly use CSB Mobile Banking or your Wireless Device. You agree that when you use CSB Mobile Banking you will remain subject to the terms and conditions of all your existing agreements with CSB. You also agree that you will be subject to the terms and conditions of all your existing agreements with your mobile service carrier or provider (i.g. AT & T, Verizon, Sprint, T-mobile, etc.) You understand that those agreements may provide for fees, limitations, and restrictions which might impact your use of CSB Mobile Banking (for example, your mobile service carrier or provider may impose data usage or text message charges for your use of or interaction with CSB Mobile Banking, including while downloading the CSB Mobile Banking Application, sending or receiving text messages, or other use of your Wireless Device). You agree to be solely responsible for all such fees, limitations, and restrictions. If you use any location-based features of CSB Mobile Banking you agree that your geographic location and other personal information may be accessed and disclosed through CSB Mobile Banking. If you wish to revoke access to such information you must cease using location-based features CSB Mobile Banking Services are provided for your convenience and do not replace your monthly account statement(s), which are the official record of your accounts. You understand and agree these services may not be encrypted and may include personal or confidential information about you such as your account activity or status. Delivery and receipt of information, including instructions for payment, transfer and other move money transactions, through the CSB Mobile Banking Services may be delayed or impacted by factor(s) pertaining to your Internet service provider(s), phone carriers, other parties, or because of other reasons outside of our control. We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, information and instructions sent through the CSB Mobile Banking Services. Additionally, you agree that neither we nor our service providers will be liable for any errors or delays in the content, or for any actions taken in reliance thereon. You are responsible for any and all charges, including, but not limited to, fees associated with text messaging imposed by your communications service provider. We are not responsible for any damages resulting from your failure to comply with any terms and conditions provided by your communication service provider or any app store.


SECURITY


Mobile phones and other devices with Internet capabilities are susceptible to viruses. You are responsible to ensure that your device is protected from and free of viruses, worms, Trojan horses, or other similar harmful components which could result in damage to programs, files, and/or your phone or could result in information being intercepted by a third party. CSB will not be responsible or liable for any indirect, incidental, special or consequential damages which may result from such viruses. You agree to take every precaution to ensure the safety, security, and integrity of your account and transactions when using CSB Mobile Banking. You agree not to leave your mobile device unattended while logged into CSB Mobile Banking and to log off immediately at the completion of each access by you. You agree not to provide any of your access information to any unauthorized person. If you permit other persons to use your mobile device, login information or any other means to access CSB Mobile Banking, you will be held responsible for any transactions they authorize and we will not be liable for any damages resulting to you. We make no representations that CSB Mobile Banking will be available for use in locations outside of the United States. Accessing CSB Mobile Banking from locations outside of the United States is at your own risk.


ALERTS AND MOBILE TEXT SERVICES


Your enrollment in the CSB Mobile Banking Service includes access to mobile text messaging related services (collectively, "Text Services") and Alerts. By receiving or otherwise using these services, you agree to the following terms for these services. You agree that we may send messages through your communication service provider in order to deliver them to you and that your communication services provider is acting as your agent in this capacity. We may use a telephone number, e-mail address or other delivery location we have in our records for you or other such contact information as you may provide to us for these services so that we may send you certain information about your applicable account. Additionally, you agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys' fees) arising from your provision of a phone number, e-mail address, or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of the Agreement. You also understand that there may be a disruption in service when you change your communications service provider. Messages may be delayed or impacted by factor(s) pertaining to your Internet service provider(s), phone carriers, or other parties. We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, the messages sent through the alerts and text services. The text services are only available to customers who have an eligible account with us, and you may be automatically enrolled to receive certain alerts. While you have to have an eligible account to use the service, once it is activated, if you have other types of accounts with us, you may have access to those other accounts as well. There is no service fee for the alerts and text services but you are responsible for any and all charges, including, but not limited to, fees associated with text messaging imposed by your communications service provider. Message and data rates may apply. Such charges include those from your communications service provider. Message frequency depends on user preferences. For additional assistance with the alerts and text services, contact CSB customer service at 800.654.9015.


AMENDING THIS AGREEMENT OR FEES


CSB may amend this Agreement at any time by sending written notice either by mail or by providing you with that notice electronically. You may choose to accept or decline the change. By continuing to use CSB Online Banking and/or CSB Mobile Banking after the effective date stated in the notice, you are deemed to accept any and all changes, and agree to be bound by the provisions within the notice.


LOST OR STOLEN MOBILE DEVICE OR PASSWORD; UNAUTHORIZED TRANSACTIONS


If you believe your mobile device, user name, password, or other approved access device has been lost or stolen, or that someone has transferred or may transfer funds from your account without your authorization, contact us AT ONCE at 800.654.9015. For additional information regarding your and our rights and responsibilities regarding unauthorized transactions, please review the applicable agreement(s) governing the affected deposit account.


IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ACCOUNT


In case of errors or questions about your deposit accounts or CSB Online Banking or CSB Mobile Banking services, contact our Customer Service Center at 800.654.9015.

By clicking “I agree,” I consent to the terms and conditions of The Commercial & Savings Bank Online Banking Agreement and Disclosure Statement. Furthermore, by clicking “I agree,” I acknowledge and agree that I am legally bound by this affirmative consent.

Revised 4/2019