By clicking on the Icon below, you agree to the terms and conditions of the On Line Access Agreement listed below.
Agreement and Electronic Fund Transfer Act Disclosure
This agreement is a contract that establishes the rules that cover electronic access to your accounts at The First National Bank of Port Allegany through Online Banking.
By using Online Banking, you accept all the terms and conditions of this Agreement. Please read it carefully.
The terms and conditions of the deposit agreements and disclosures for each of your First National Bank of Port Allegany's accounts as well as your other agreements such as loans, continue to apply notwithstanding anything to the contrary in this Agreement.
This agreement is also subject to applicable federal laws and the laws of the State of Pennsylvania. If any provision of this Agreement is found unenforceable according to its terms, all remaining provisions will continue in full force and effect. The headings in this Agreement are for convenience or reference only and will not govern the interpretation of the provisions. Any waiver (express or implied) by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or subsequent default or breach. You may not assign this Agreement. This Agreement is binding upon your heirs and The First National Bank of Port Allegany's successors and assigns. Certain of the obligations of the parties pursuant to this Agreement that by their nature would continue beyond the termination, cancellation or expiration of this Agreement.
Definitions. As used in this Agreement, the words "we,""our,""us," and "Bank" mean The First National Bank of Port Allegany. "You" and "Your" refer to the accountholder authorized by Bank to use Online Banking under this Agreement and anyone else authorized by that accountholder to exercise control over the accountholder's funds through Online Banking. "Account" or "accounts" means your accounts at Bank. "Electronic funds transfers" means ATM withdrawals, preauthorized transactions, point of sale transactions, transfers to and from your Bank accounts using Online Banking including bill payments. "Online Banking services" means the services provided pursuant to this Agreement, including the bill payment service. "Business Days" means Monday through Friday. Holidays are not included.
Access. To use Online Banking, you must have at least one account with Bank, and access to Internet service. Access to your accounts through Online Banking will be based upon the identification of users and authority levels maintained at the Bank. We undertake no obligation to monitor transactions through Online Banking to determine that they are made on behalf of the accountholder.
Online Banking Services. You can use Online Banking to check the balance of your Bank accounts and transfer funds between your accounts.
Hours of Access. You can use Online Banking seven days a week, twenty-four hours a day, although some or all Online Banking services may not be available occasionally due to emergency or scheduled system maintenance.
Your Password. For security
purposes, you are required to change your password upon your initial first time login to
Online Banking. The password, a minimum of 8 digits, maximum of 20 digits, is determined
by the accountholder and is not communicated to the Bank. You agree that we are authorized
to act on instructions received under your password. You accept responsibility for the
confidentiality and security of your password and agree to change your password regularly.
After three unsuccessful login attempts, the system locks the user out, requiring a phone call to the Bank to reset the password before re-entry
into the system.
Security. You understand the importance of your role in preventing misuse of your accounts through Online Banking and you agree to promptly examine your paper statement for your Bank accounts as soon as you receive it. You agree to protect the confidentiality of your account and account number, and your personal identification information, such as your driver's license number and social security number. Your password and access ID are intended to provide security against unauthorized entry and access to your accounts. Data transferred via Online Banking is encrypted in an effort to provide transmission security. Once the server session is established, the user and the server are in a secured environment. The server has been certified as a 128-bit encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall to block and direct traffic coming to the server. Notwithstanding our efforts to insure that Online Banking is secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and potentially can be read by others.
Transfers. Transfers initiated through Online Banking before 3:00 PM (Eastern Standard Time) on a business day are posted to your account the same day. Transfers completed after 3:00 PM (Eastern Standard Time) on a business day will be posted on the next business day. Transfers completed anytime during Saturday, Sunday or banking holiday will be posted on the next business day. Online Banking identifies transfers based upon the login ID of the user who made the electronic transfer. You agree to communicate with any other persons with authorized access to your accounts concerning any transfers from your accounts in order to avoid overdrafts.
Overdrafts. If your account
has insufficient funds to perform all electronic fund transfers you have requested for a
given business day, then:
Periodic Statements. You will not receive a separate Online Banking statement. Transfers to and from your accounts using Online Banking will appear on the respective paper statements for your bank accounts.
Change of Terms. We may change any term of this Agreement at any time. If the change would result in increased fees for any Online Banking service, increased liability for you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice at least 21 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer system. We will post any required notice of the change in terms on the Bank web site or forward it to you by email or by postal mail. If advanced notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic fund transfer system, we will notify you of the change in terms within 30 days after the change becomes effective. You acknowledge and agree that changes to fees applicable to specific accounts are governed by the applicable deposit agreements and disclosures.
In Case of Errors or Questions
about Your Electronic Transfers. Contact us as soon as you can, if you
think your paper statement is wrong, or if you need more information about a transfer
listed on your paper statement. We must hear from you no later than 60 days after we sent
the FIRST paper statement upon which the problem or error appeared.
If you contact us by telephone or by email, we may require that you send us your complaint or question in the form of a paper writing by postal mail or fax within 10 business days. We will communicate to you the results of our investigation within 10 business days after you contact us and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. If we have made a provisional credit, a corresponding debit will be made from your account.
Our Liability for Failure to Make
a Transfer. If we do not
complete a transfer to or from your account on time or in the correct amount, according to
our agreement with you when your have properly instructed us to do so, we will be liable
to you for your losses or damages caused as a result. However, there are some exceptions.
We will not be liable, for instance:
Your Liability for Unauthorized Transfers. Contact us at once if you believe your password has been lost, or stolen, used without your authorization, or otherwise compromised, or if someone has transferred or may transfer money from your accounts without your permission. An immediate telephone call to us is the best way to reduce any possible losses.
Disclaimer of Warranty and Limitation of Liability. We make no warranty of any kind, expressed or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the Online Banking services provided to you under this Agreement. We do not and cannot warrant that Online Banking will operate without errors, or that any or all Online Banking Services will be available and operational at all times. Except as specifically provided in this Agreement, or otherwise required by law, you agree that our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products provided under this Agreement or by reason of your use of or access to Online Banking, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty. Further, in no event shall the liability of First National Bank of Port Allegany exceed the amount paid by you for the services provided to you through Online Banking.
You are responsible for obtaining, installing, maintaining and operation all computer hardware and software necessary for Online Banking and Bill Pay. The Bank will not be responsible for any errors or failures from the malfunction or failure of your hardware or software.
Security. You have read our security statement and acknowledge that the electronic security measures used in your Online Banking transactions are reasonable and acceptable.
Our Right to Terminate. You
agree that we can terminate or limit your access to Online Banking for any of the
Electronic messages from you to us, or from us to you, will be treated as written documents for any purpose a written document is needed. However, we can require written confirmation of messages or instructions if we choose, and may delay any executing transactions until we receive confirmation acceptable to us. We might do this, for example, if we think it will help protect you or us from fraud or a loss, but we can do so in other circumstances.
Communication between First National Bank of Port Allegany and You, unless the Agreement provides otherwise, you can communicate with us in any one of the following ways:
Telephone: (814) 642-2531
Facsimile: (814) 642-7372
Postal:First National Bank of Port Allegany, P.O. Box 99, Port Allegany, PA, 16743
What you need to get started
To use First Nationals e-bank you need three things
1. A computer
2. A modem or cable connection
3. An account with an internet service
provider and browser software
Signing up for e-banking
Log onto the Internet and go to
2. Read the On-line Banking Agreement
Click on Sign up
for Online Banking
4. Complete the enrollment form (there is
no fee for e-banking at this time, however the enrollment form will require you to choose
an account type for fees)
Data 1 and Personal Data 2 fields, please enter
the primary and secondary (if applicable) social security numbers.
6. At this time the enrollment form will
ask for a preferred user ID, but the system will assign you an id and you will be notified
with this information.
7. At this time the enrollment sheet will
ask you for a password, however, the system will assign you a default password that you
will be prompted to change upon your first log in.
enrollment form is received, the system will
send you notification to let you know when you can start using e-banking.
Some advice regarding passwords
Your password is the key to your account. Guard it carefully!
A few simple
guidelines to follow:
1. Select a password that has some meaning
for you, but that is not easy for others to guess.
2. Use at least six characters (we
recommend at least eight)
3. Avoid single words or names.
4. Use a combination of letters and
For security reasons you must always use the exit button when you have completed a e-banking session. This will ensure that no one can gain access to your accounts by using your computer.
Emptying your PC Cache Memory
For added security, empty your computer's cache memory (for example with Microsofts IE, clear the temporary Internet files).
To learn how
to empty your cache, see either your browsers or e-banking's online help.
Account Information and Services
After you log on to e-banking, you have access to all your account information. E-Banking lists accounts by type, deposit, loan etc. Account numbers are partially masked for security purposes. You may also give each of your accounts a name or alias that make the account easier for you to identify.
information is updated every business day (Monday through Friday) with current information
(as of previous business day) by 10:00am EST, barring technical difficulties.
Electronic Bill Paying
Electronic Bill Paying
Also available to you is
an electronic bill payment system through Fidelity. Please visit our e-banking demo
site to learn more about this option
Also available to you is an electronic bill payment system through Fidelity. Please visit our e-banking demo site to learn more about this option
If You Have Questions
There is also on-line help available or call us at (814) 642-2531.
By clicking yes below, you indicate that you have read and accepted the terms of the On-line banking agreement.
Ready to try e-banking???
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questions or comments about this web site.