Terms & Conditions

NOTICE OF TERMS AND CONDITIONS

This Embassy National Bank Online Banking Agreement governs your use of Embassy National Bank Online Banking. Throughout this web site the Access Agreement will be referred to as "Agreement”. You agree to receive this Agreement and Initial Disclosures electronically. After you have carefully read this Agreement, you will be asked to consent to all the terms and conditions of this Online Banking Agreement. Your accessing any of your eligible accounts through Embassy National Bank Online Banking acknowledges your receipt and understanding of this disclosure. We suggest that you print a copy of this Agreement for future reference.

You or Your
Refers to the individuals, corporations, partnerships, limited liability companies, and sole proprietorships subscribing to or using Embassy National Bank Online Banking.

We, Us, or Our, The Bank
Refers to Embassy National Bank and any agent, independent contractor, designee, or assignee that Embassy National Bank may involve in the provision of Embassy National Bank Online Banking.

Business Day
Our Business Days are Monday-Friday, 9am-4:30pm. Federal holidays are not included. You may use this Service 24 hours a day, seven days a week, except during periods of maintenance. Bill payments are processed only on Business Days.

Business Day Cut-Off
For posting purposes, The Bank will process all Online Banking transactions completed by 5:30 p.m. on that business date. Online Banking transactions completed after 5:30 p.m. Eastern Time, USA, including transfers, will be processed on the following Business Day.

Multifactor Authentication
An additional layer of security and fraud protection has been added to help prevent identify theft. When you signup for Internet Banking you will be required to establish a security image and three security questions. Your security image will help to confirm that the website you are visiting is authentic and your passcodes will serve as a second layer of security to verify your identity on non-registered computers.

Consumer Accounts
Means a demand deposit or other asset account in the name of an individual held for personal, family, or household purposes. Online Banking services and each of your accounts are governed by the applicable Disclosures, Rates and Fee Schedules provided by the Bank in your new account packet, as each may be modified from time to time. Your initial use of Online Banking services indicates your agreement to be bound by this agreement and acknowledges your receipt and understanding of this document.

Privacy Statement
Embassy National Bank understands how important privacy is to our customers. We have taken steps to insure your security and privacy for your personal and financial dealings with the bank. Our customer privacy statement can be obtained by clicking on the Embassy National Bank Privacy Statement link on the Embassy National Bank web site. (www.embassynationalbank.com)

Internet Security Information
Embassy National Bank Online Banking is part of a network that utilizes a comprehensive security strategy to protect your accounts and transactions conducted over the Internet. In-depth information on many of the techniques and features employed by the system can be viewed and are explained in our Embassy National Bank On-line Security statement. In addition to our login security, we use the SSL (secure socket layer) encryption technology for everything you do in Embassy National Bank Online Banking system. Whenever SSL is securing your communications, the browser will typically indicate the "secure session" by changing the appearance of a small icon of a padlock at the bottom of the screen from open to locked. What this means to you is that your communications are scrambled from your browser to our servers at all times so no unauthorized party can read the information as it is carried over the Internet.

Login Security
Security is very important to Embassy National Bank. When you login to the service for the first time, you will use your login ID and the password assigned to you by The Bank. You will then be prompted to select a new “Login ID” and "Password" that you will thereafter use to gain access to your accounts. To help prevent unauthorized access and ensure the security of your accounts, we will end your online session if we have detected no activity for 15 minutes. This is to protect you in case you accidentally leave your computer unattended after you log on. When you return to your computer, you will be prompted to re-enter your password and your session will continue where you left off. Because your password is used to access your accounts, you should treat it as you would any other sensitive personal data. You should carefully select a password that is hard to guess. Keep your password safe. Memorize your password and never tell it to anyone. Changing your password can be done at any time, after you are logged in, from the "options" menu. The Online Banking system will require you to change your password every 6 months.

Lockout Security
If you attempt to login and do not enter the password correctly, an invalid login will result. Four invalid logon attempts will result in your user ID being locked out for a period of 60 minutes. After 60 minutes, you may try again. After a total of 3 sequential lockouts, you must contact The Bank to reset your account. You may contact Embassy National Bank directly by telephone at 770-822-9111 between 9:00 a.m. and 4:30 p.m., Monday – Friday, or in person. You may also email customerservice@embassynationalbank.com during the hours listed above. If the lockout occurs outside of normal business hours, you may leave a message in the general voice mailbox, or send an email and your lockout will be addressed during normal business hours.

Balance Inquiries, Bill Payments and Transfers
You may use Embassy National Bank Online Banking to check the balance of your accounts, transfer funds between your accounts and pay bills from your eligible accounts (bill-pay only when this service is offered). Balances in your accounts may differ from your records due to deposits in progress, outstanding checks or other withdrawals, payments or charges. If you have further questions, contact us at customerservice@embassynationalbank.com.

Special Information about E-Mail
Generally, requests received from the system will be processed within two business days using procedures that would handle similar requests received by mail or fax. If urgent action is required, we recommend that you contact Embassy National Bank directly by telephone at 770-822-9111 between 9:00 a.m. and 4:30 p.m., Monday – Friday, or in person.

Bill Payment Service (When Offered)
The Bill Payment service lets you schedule bill payments through Online Banking and also allows you to see a history of all the payments made from your accounts. You must designate a specific checking account as your bill payment account.

Eligibility:
You may pay any merchant or individual approved for payment by Embassy National Bank for payment through On-line Bill Payment Service. On-line bill payments are available only to payees with a U.S. mailing address. By furnishing us with the names and account information of those payees to whom you wish to direct payment, you authorize us to follow the payment instructions, which you provide to us via Embassy National Bank Online Banking Service for these payees. When we receive a payment instruction for the current date or future date, we will remit the funds to the payee on your behalf from the funds in your selected account, on the day you have instructed them to be sent (Payment Date). We will be unable to process any payments to federal, state or local tax agencies, and any court-ordered payments such as alimony or child support.

The daily limit for the total dollars of payments approved is governed by the system’s available balance in the checking account selected for making the payment. You can withdraw up to the system’s available balance as long as your account shows sufficient funds to cover your payments. The payment will normally be charged to your account on the business date that it is approved.

If for any reason a scheduled payment processed through the system is declined, it will automatically be rescheduled for the following business day. The system will continue to attempt to pay the bill on the following business days until there are sufficient funds or you cancel or reschedule it.

Although payments may be scheduled for the current business day or any date in the future at any time, they will only be processed once a day at our cut-off time, usually around 5:45 p.m. EST on any business day. Anything scheduled on a non-business day, or after the cut-off time, will not be sent out until the following business day.

Since we must forward the funds and billing information to the payee, some lead-time for payments is necessary. (Our system assumes the payee/vendor will promptly process the payment on the business day it is received. Any delays caused by the payee/vendor would result in additional days before the payment would show on their records.) To avoid incurring a finance charge or other charges, you must schedule a payment sufficiently in advance of the due date of your payment. It is necessary that all Payment Dates selected by you be no less than five (5) full Business Days before the actual due date, not the late date and/or a date in the grace period.

Not all payees accept electronic bill payments. In the event that the payee for your scheduled payment does not accept payment via the electronic system, your payment will be made by mailing a paper check. Paper payment requires longer delivery time. Payments made by paper should be scheduled at least seven (7) full Business Days prior to the actual due date, not the late date and/or a date in the grace period. In all cases, the payment will be delivered to the payee/vendor by the tenth business day after the payment was approved and charged to your account.

Business Day Cut-Off
For posting purposes, The Bank will process all Online Banking transactions completed by 5:30 p.m. on that business date. Online Banking transactions completed after 5:30 p.m. Eastern Time, USA, including transfers, will be processed on the following Business Day.