Welcome to Northstar Bank's Online Banking!
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Northstar Bank Online Banking Disclosures, Terms and Access Agreement
Now you can bank wherever there is an Internet connection. Whether you are at home, the office, a hotel room or wherever you travel, you can access your Northstar Bank accounts.
All you need is access to the Internet using either Internet Explorer (the latest version is highly recommended for your greatest security) and a 128-bit Secure Sockets layer (SSL) encryption protocol.
The following information is provided in addition to your Depository Agreement, Electronic Funds Transfer Disclosure Statement, your Truth in Savings Disclosures and any other Disclosure provided for a Northstar Bank product or service. All of these agreements were received by you when you opened your account or by mail when they have been revised. You agree these remain in effect and are binding on all online transactions. You should print and keep a copy of this agreement for future reference.
Subject to the terms of this Agreement, Mobile Banking can be used to conduct Internet Banking sessions from your mobile device, as long as it is web-enabled (HTML supported) with either Windows Mobile or WAP 2.0.
By enrolling for and using the Mobile Banking, you agree to the following:
a) You must have a consumer deposit account to use the services, once you activate Mobile Banking. If you have other types of accounts with us, you may have access to those other accounts as well.
b) There is no service fee for this service, but you are responsible for any and all changes, including, but not limited to, fees associated with text messaging or internet access imposed by your communications service provider.
c) Certain features, information, types of transactions, or other services may not be available when accessing the Services via a mobile device.
d) We will use commercially reasonable efforts to secure the Mobile Banking service to prevent access by unauthorized persons and to prevent the introduction of any malicious code, such as a computer virus. However, no security system is failsafe and despite our efforts, the security of the Mobile Banking service could be compromised or malicious code could be introduced by third parties.
e) Information delivered through Mobile Banking may not be encrypted and may include personal or confidential information about you such as your account activity or status. Your full account number will not be used in Mobile Banking or in any alert. However, the Bank name and information about your account(s) may be included. It is your responsibility to secure these devices, protect your name(s) and password(s) in order to protect the confidentiality of information.
The Bank offers email, text or online message alerts that can be set up through our Internet Banking Service. You will be asked to select from contact options each time you set up a new alert. Enrollment in Online Banking is necessary to receive optional alerts from the Bank. By enrolling for and using alerts, you agree to the following:
a) By setting up an alert, you consent to delivery of such alerts in the format you selected to the contact telephone number or e-mail addresses you identify. It is your responsibility to notify the Bank of any changes to your e-mail or mobile phone device to which alerts are sent. To stop receiving any optional alerts, log into Online Banking and change your selections.
b) We may send alerts through your communication service provider in order to deliver them to you and you agree that your communication service provider is acting as your agent in this capacity. 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 deliver 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.
c) Receipt of each alert or account information may be delayed or impacted by factor(s) pertaining to your internet service provider(s), phone carrier(s), 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 alerts or account information sent through Internet Banking.
d) Information delivered through alerts may not be encrypted and may include personal or confidential information about you such as your account activity or status. Your full account number will not be used in any alert. However, the Bank name and information about your account(s) may be included. It is your responsibility to secure these devices, protect your name(s), and password(s) in order to protect the confidentiality of information.
Privacy and Confidentiality
Northstar Bank is strongly committed to protecting your security and confidentiality. To ensure the privacy of your account information while you are online, you are only able to access your account with high security browsers. You must also provide both your account number and your password. If no action is taken within 15 minutes, you will be automatically logged off StarNet.
You authorize Northstar Bank and each of its affiliates to disclose to third parties, agents and affiliates, such as independent auditors, consultants or attorneys, information you have provided or that we or our affiliates have obtained about your accounts and the transfers you make: to comply with government agencies or court orders or requests; or to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or where it is necessary for completing transfers or to provide services relating to your account; or if you give us your further written permission.
You agree that Northstar Bank is not responsible for any electronic virus that you may encounter using StarNet. Routinely scan your PC and diskettes using any reliable virus protection product to detect and remove any viruses found.
From time to time, Northstar Bank plans to expand the services we offer our StarNet customers. When such services become available, we will update this agreement and notify you of the new service. By using StarNet after the new services are available, you agree to be bound by the terms contained in the revised agreement.
Client Support Information
Customer Service Phone: 800-460-6634 (Option 0)
Hours: Mon-Thurs, 8:00 a.m. to 6:00 p.m., Fri., 8:00 a.m. to 7:00 p.m., Sat. 9:00 a.m. to 1:00 p.m. (CST)
Mail may be addressed as follows:
Electronic Banking Department/Customer Service
P.O. Box 430
Denton, TX 76202
Authorization To Charge Accounts
You are responsible for all transfers you or your authorized representative make using StarNet. You authorize us to debit your designated accounts(s) for any transactions completed with StarNet. You agree that we may comply with transfer instructions entered by any one person using an authorized Access Code and Password, regardless of the restrictions placed at the account level, i.e., two signatures required or minor no withdrawal, etc.
You agree that you will not give your Access Code or Password to any other person or make it available to them. If you permit another person to use StarNet or give them your Access Code and Password, you are responsible for any transaction made to or from the deposit and loan accounts linked to your online applications even if that person exceeds your authorization.
Online banking is available every day of the year. Periodically online banking will be unavailable due to scheduled maintenance; however, maintenance will be scheduled during low usage hours, usually early in the morning. If you have a User ID and Password from us, you will be able to view and to transfer funds between certain of your Northstar Bank accounts. Funds must be available in the account from which you wish to transfer funds on the date you enter the transaction. Transactions entered before 6:00 p.m. (CST) on a business day will be processed that day. Generally, transactions entered after 6:00 p.m. (CST)will be processed on the following business day.
Types of Transfers
You may access your account(s) by logging into the Bank's website and using your account numbers, Log-in ID and Password. The following types of intra-bank transfers may be made: from checking to savings, from savings to checking, from checking to checking, from savings to savings, or make payments from checking to loan accounts with us. You may also get checking account and savings account information.
Insufficient Funds to Complete Transfer
If your account does not have sufficient funds to complete a transfer, the transfer will not be completed.
Restrictions on Transfers from Savings and Money Market Accounts
Under Federal Reserve Board Regulation D, you may make an unlimited number of deposits or transfers into a savings or money market account; however, you may not make more than six transfers or withdrawals out of such an account per calendar month (not counting transactions made at ATM's, in-person transactions or automatic transfers). Transfers made by telephone, personal computer or funds automatically transferred from a savings or money market account to another deposit account for overdraft protection are counted toward the six total permitted monthly transfers or withdrawals. If you exceed the restrictions more than three times during a 12-month period, we will have the right to charge a fee and may close the savings or money market account or eliminate the interest rate and reclassify the account.
Correcting or Canceling Your Transfer
You cannot cancel your transfer after it has been entered into the online banking system and the information has been transmitted to us. You can correct information concerning a transfer before you send the information, and you can use online banking to reverse a transaction after it has been made.
Documentation and Verification of Transfers
The date and amount of transfers made through online banking will be shown on your printed statements for the accounts involved in the transaction.
Liability for Failure to Make Transfers
If we do not make a transfer on time, or in the correct amount according to your instruction given in accordance with any applicable agreement, we will be liable only for the amount of the transfer and not for any direct, indirect, special or consequential damage arising from the transaction not being made according to instructions. Under no circumstances will we be liable if we are unable to complete any transfer initiated in a timely manner via StarNet because of the existence of any one or more of the following circumstances:
- You do not obtain confirmation at the time you initiate a transfer
- The designated account does not contain sufficient funds, including any available Overdraft privilege amount, to complete the transfer
- You have closed the designated account
- We have identified you as a credit risk and have chosen to make all transfers initiated by you only via paper transaction or have chosen to terminate your access to online banking
- Northstar Bank's online banking system or your equipment, the software or any communication link is not available or working properly and you know or should have known or have been advised of the malfunction before you execute the transaction
- You have not properly followed the instructions on how to make a transfer contained in the Transfer Provisions or the online instructions for StarNet
- Circumstances beyond our control (including, but not limited to, fire, flood or interference from an outside source) prevent the proper execution of the transaction and we have taken reasonable precautions to avoid these circumstances.
Questions or Error Correction on Online Banking
In case of questions or errors about Online banking funds transfers through Northstar Bank's Online Banking involving a Bank account you should do the following: Contact Northstar Bank, Customer Service at 800-460-6634 (Option 0), Monday through Thursday between the hours of 8:00 a.m. and 6:00 p.m. (CST), Friday between the hours of 8:00 a.m. and 7:00 p.m. (CST) or Saturday, 9:00 am to 1:00 p.m.(CST), except for banking holidays. "Banking holidays" shall mean all federal banking holidays. Or you may write the Bank addressed to: Northstar Bank, P. O. Box 430, Denton, TX 76202, Attn: Electronic Banking Department/Customer Service. You may also contact the Bank by e-mail to: firstname.lastname@example.org. Please keep in mind that e-mail is not encrypted or a secure means of communication, so do not include bank sensitive or personal confidential information. Send a message and ask the Bank to contact you regarding the error. Contact the Bank as soon as you identify any errors or discrepancies in your statement or transaction record, or if you need more information about a transaction listed on the statement or transaction record. You must notify Northstar Bank no later than sixty (60) days after we have sent the first paper or Online Banking statement on which the problem or error appeared. If you notify us verbally, we may require that you send us your complaint or question in writing within ten (10) business days. When you notify us about the problem, please: Tell us your name and account number; describe the error or the transaction you are unsure about and explain why you believe it is in error or what additional information you need; tell us the dollar amount of any suspected error.
Telephone Number for Notification of Unauthorized Use
If you believe your Access Code and/or Password have become known by an authorized person or that someone has transferred money without your permission, or any evidence of fraudulent activity, contact the Bank immediately. Only reveal your account number to a legitimate entity for a purpose you authorize such as an insurance company for automatic payments. To notify us, contact Northstar Bank, Customer Service at 800-460-6634 (Option 0) Monday through Thursday between the hours of 8:00 a.m. and 6:00 p.m. (CST), Friday between the hours of 8:00 a.m. and 7:00 p.m. (CST) or Saturday 9:00 am to 1:00 p.m. (CST), except for banking holidays. "Banking holidays" shall mean all federal banking holidays. Or you may write the Bank addressed to: Northstar Bank, P. O. Box 430, Denton, TX 76202, Attn: Electronic Banking Department/Customer Service. You may also contact the Bank by e-mail at: email@example.com. Please remember that e-mail is not encrypted or a secure mode of communication, so do not include bank sensitive or personal confidential information. Ask the Bank to contact you regarding the unauthorized use. If your Online Banking PIN has been compromised and you notify 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 password without your permission to access a Bank deposit account. If you do not notify us with 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 at once. If you do not notify us within sixty (60) days after the paper or Online Banking statement was sent 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.
We will tell you the results of our investigation within ten (10) business days after we hear from you (20 business days if the transaction involved a new account). If we need more time we may take up to 45 business days to investigate (90 business days if the transaction involved a new account). If we choose to take up to 45 business days, we will give you provisional credit to your account within ten (10) business days (20 business days if the transaction involved a new account). Your account is considered a new account for the first 30 days after the first deposit is made, unless each signer already has an established account with us before this account is opened. If we decide there was no error, we will furnish you with a written explanation within three (3) business days after the investigation is complete.
Stop Payment Procedures
You may authorize a third party to initiate electronic fund transfers between your account and the third party's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. If you have told us in advance to make regular payments out of your account, you can stop any of these payments by doing the following: Call or write us at the telephone number or address listed in this disclosure in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and have the written request in possession of the Bank within 14 days of the date you made the verbal request. The Bank may charge the standard published fee for the stop payment request. If these regular payments vary in amount, the person you are going to pay will tell you, ten (10) days before each payment, when it will be made and how much it will be. You may also choose instead to get this notice only when the payment would differ by more that a certain amount from the previous payment, or when the amount would fall outside certain limits that you set. If you order the Bank to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for the amount of the transfer.
Northstar Bank does not currently charge a fee for setting up, maintaining or using our online banking service. It is provided to you at no charge and we will gladly answer your questions or concerns.
Termination or Discontinuation
In the event you wish to discontinue using Northstar Bank's online banking system, contact Northstar Bank in writing at P O Box 430, Denton TX 76202, Attn: Electronic Banking Department. We may at any time, for any reason, terminate your online banking service. If you do not use your online banking access for 90 days, your access will be discontinued until you contact us.
Online Banking e-Mail Communication
Electronic messages sent via the "e-Mail" to firstname.lastname@example.org, or email@example.com of the online banking system are sent through normal e-mail and are not to be considered a secure form of communication., even though the browser may show the "SSL Secured" lock. Please remember that e-mail is not encrypted or a secure mode of communications, so do not include bank sensitive or personal confidential information in your email. Therefore, we will not send and we strongly suggest that you do not send any confidential account information. We will not respond to account information related questions sent via Internet e-mail. You agree that we may take a reasonable time to act on any e-mail.
Additional Terms and Conditions
In addition to the foregoing, you agree to be bound by and comply with all applicable agreements with Northstar Bank or subsidiary, and with applicable state and federal laws and regulations. Northstar Bank also agrees to be bound by the same agreements, laws and regulations. We reserve the right to terminate your use of online banking, in whole or in part, at any time, without prior notice. This Agreement shall be governed by and construed in accordance with the laws of the State of Texas.
By clicking on the "Accept" button, I agree that I have read and completely understand the above Online Banking Disclosures.