Important User Information

ACCESSING THIS WEB SITE OR VIEWING ANY OF ITS CONTENTS SHALL CONSTITUTE YOUR AGREEMENT WITH THE TERMS BELOW.

Use of Information and Materials.

Any person is hereby authorized to view the information available from this Web site for informational purposes only. No part of this information may be redistributed, copied, or reproduced without the prior written consent of Rochelle State Bank aka Rochelle Bank or its subsidiaries or affiliates. The product and fee information presented in this Web site represent Rochelle Bank offerings as of the most recent update. Rules, Regulations, Fee Schedules, and Service Agreements currently in effect take precedence over any information herein. The information contained in these pages is subject to change without notice.

The company information contained in this site is provided for informational purposes only and is not a solicitation or offer to sell securities, nor should it be used by others in connection with any sale, offer for sale or solicitation of an offer to buy securities.

Neither Rochelle Bank nor any of its subsidiaries or affiliates is acting as an advisor or fiduciary by publishing any information contained in this site.

Password and Security Procedures

Upon becoming a Rochelle Bank client, you will receive a temporary password or self-select a password, which will allow you access to your Account information. Use of the password will indicate to the Bank your acceptance of the terms and conditions governing your Account(s) and this Agreement and if applicable, the Bill Pay Service terms and conditions. Any Service transactions, including, but not limited to accessing Account information, making transfers, giving transfer-related instructions or utilizing the electronic bill payment service, initiated by the Client or person(s) on behalf of a commercial Client by entering the correct password is deemed as acting with full authority of the Board of Directors, members or general partners, as applicable, of the commercial Client. Each time you access Account information, make transfers or give transfer-related instructions, you will be required to enter your password.

In addition to obtaining a password, when you become a Rochelle Bank client, you will select a number of security challenge questions to which you will supply appropriate answers. At all times, the Bank reserves the right to present one or more of these challenge questions whenever the Service is accessed using your user name and password. If the answers to the challenge questions do not match previously provided answers, access to the Service will be denied.

If your password is lost or stolen or is known by another individual, you must notify the Bank immediately. Failure to notify the Bank promptly could result in loss of funds. You are responsible for maintaining the confidentiality of your password and any breach of confidentiality shall promptly be reported to the Bank. You may contact the Bank at 229.365.2236 to report such security breach. The Bank reserves the right to prevent your access to Service should we have reason to believe the confidentiality of your password has been compromised.

You understand that the Bank has implemented security procedures for the purpose of verifying the authenticity of the payment instructions transmitted to the Bank by you, and not for the purpose of detecting errors in such instructions. Such security procedures include (i) a unique file identification number and transmission password, (ii) challenge questions and required responses and (iii) encryption. You agree that these procedures constitute reasonable methods of providing security against unauthorized instructions. You agree to be bound by any instruction issued by you and received and verified by the Bank in accordance with such security procedures, and you shall indemnify and hold the Bank harmless from and against any loss suffered or liability incurred by, or arising from, the execution of instructions in good faith and in compliance with such security procedures.

No Warranties

The information and materials contained in the Web site are provided “as is” without warranty of any kind, either express or implied, including without limitation, any warranty of accuracy, adequacy or completeness of the information and materials, title, non-infringement of third party rights, merchantability, fitness for a particular purpose and freedom from computer virus.

Third Party Links

Rochelle Bank is happy to make available to you links to other sites on the World Wide Web. Rochelle Bank believes the links contained on its pages are to reputable companies. Nevertheless, Rochelle Bank makes no representations or warranties regarding non-Rochelle Bank sites or the companies maintaining them. Rochelle Bank does not control or monitor such Web sites and Rochelle Bank does not endorse the content or the use of such Web sites. If you choose to access non-Rochelle Bank Web sites through links on our pages, you accept responsibility for all related risks.

Limitation of Liability

In no event will Rochelle State Bank or any of its subsidiaries or affiliates be liable for any damages, losses or expenses, including without limitation, direct or indirect, special, incidental or consequential damages arising in connection with this Web site, use thereof or reliance on any information contained herein, even if Rochelle State Bank or any of its subsidiaries or affiliates are notified of the possibility of such damages.

Choice of Law; Unenforceability.

Your access to and use of this Web site, and these terms, are governed by and will be construed in accordance with the laws of the State of Georgia, without regard to principles of conflicts of laws. In the event that any provision of these terms is held unenforceable, the validity or enforceability of the remaining provisions will not be affected, and the unenforceable provision will be replaced with an enforceable provision that comes closest to the intention underlying the unenforceable provision.

Trademarks

Rochelle Bank, the Rochelle Bank logo are service marks of Rochelle State Bank. Other featured words or symbols used on this website to identify other parties’ goods and services may be trademarks or service marks of those other parties.

Online Banking Agreement/Disclosure

This Agreement governs the use of Rochelle State Bank Online Banking service and is made and entered into by and between Rochelle State Bank, also referred to as “we,” “Rochelle Bank,” or the “Bank,” and each person who signs Rochelle Bank’s signature card for the Account being accessed or is referenced on Rochelle Bank’s records as an owner of the Account, or each party whose signature appears on a credit line application, also referred to as “Customer” or “you”.  Each customer on the account is jointly liable for all transactions initiated through Online Banking, including overdrafts, even if the customer did not participate in the transaction, which resulted in the overdraft.

Banking business days are Monday through Friday, excluding Saturday, Sunday and federal holidays.  You may access Account information through Online Banking 24 hours a day, 7 days a week, except for interruptions due to maintenance or matters beyond the Bank’s control.

You may use a Personal Computer (“PC”) through an Internet connection or a mobile device such as a cell phone, or any other wireless device to obtain account balances and transaction information. You may use Online Banking to view the balance in your account, make transfers or loan payments, pay bills, and much more. You may also use your PC or a mobile device such as a cell phone, or any other wireless device to view completed transactions on your accounts and to transfer money between your accounts. Account transfer limitation may apply to certain account types per federal regulations, all as more fully set out in the applicable account disclosures and Account Agreement. In addition, you may use your PC or a mobile device such as a cell phone, or any other wireless device to electronically direct us to make payments from your account to third parties that you have selected to receive payment through Online Banking. You may make payments through Online Banking to merchants or individuals. Please note: There must be sufficient funds in the account to complete transfers. 

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.  Copies of the Disclosures, Rates and Fee Schedules applicable to your account can also be provided upon request at any Rochelle Bank location.  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.

Rochelle Bank maintains the Online Banking website to provide you with information about the Bank products and services, and to facilitate communication with the Bank. The Bank requires that all visitors to its website adhere to the rules and regulations. From time to time, we may revise these terms and conditions.

Copyright in the images, web pages, text, and screens, appearing on the Bank’s website and the Online Banking website, is owned by the Bank or others as indicated. The information and materials may not be copied, displayed, distributed, downloaded, licensed, modified, published, reproduced, reposted, reused, sold, transmitted, or used to create a derivative work or otherwise used for public or commercial purposes, except as provided in these terms and conditions, without the Bank’s express written permission.

Not all of the products or services offered on the Bank’s website or through Online Banking are available to all customers. You may not be eligible for all of the products or services described. The Bank reserves the right to determine the eligibility for any product or service subject only to Federal or State law.

Enrollment Online Banking is restricted to Rochelle Bank customers residing in the United States. By enrolling in Online Banking you acknowledge that: (a) you have signatory authority over the accounts listed on the enrollment form, (b) the accounts have been maintained in a satisfactory manner and (c) the accounts have online rights. In addition, the customer’s name, address, date of birth, social security number, account number(s) and other identifying information will be verified against the customer’s identifying information on the Bank’s core system.

To subscribe to Online Banking, you must maintain at least one deposit Account with the Bank.  Online Banking will allow you to access more than one Account, to view Account balance(s) and transaction information, transfer funds among designated Accounts, send electronic mail to the Bank, and receive electronic mail from the Bank.  The Bank reserves the right to deny the Customer the ability to access Online Banking, to limit access or transactions or to revoke a Customer’s access to Online Banking without advance notice to the Customer.

You are responsible for paying any fees associated with Online Banking as outlined within this agreement as well as any fees that may be accessed by your Internet Service Provider and for any telephone charges or fees incurred by accessing Online Banking.

The Bank is entitled to act on instructions received through Online Banking under your password and without inquiring into the identity of the person using that password.  Any transactions that are initiated through Online Banking and which are completed by us in accordance with your password, whether or not authorized by you, shall be treated as your authorized transaction. We reserve the right to implement additional security procedures, such as but not limited to limiting the frequency and dollar amount of transactions from your Accounts for security reasons.  You agree that your continued use of any such changed security procedures evidences your agreement to, and acceptance of, the commercial reasonableness of such changed procedures.   

The Bank may monitor and audit usage of the Website and the Online Banking system, and all persons are hereby notified that use of Online Banking constitutes consent to such monitoring and auditing. Attempting to up-load information and/or change information on the Bank’s website is strictly prohibited. The Bank has the right to refuse access to Online Banking or any transaction, if the Bank reasonably believes such refusal is necessary for security reasons. Furthermore, Bank may take additional actions it deems appropriate where it believes a transaction is fraudulent or poses other risks. 

You should not under any circumstances disclose your password by telephone or to anyone claiming to represent the Bank; Rochelle Bank employees do not need and should not ask for your password.  You are liable for all transactions made or authorized using your password.  The Bank has no responsibility in establishing the identity of any person using your password.  If, despite the Bank’s advice, you give your password to anyone, you do so at your own risk since anyone to whom you give your password or other means of access will have full access to your account(s) even if you attempt to limit that person’s authority.  You must contact the Bank immediately in the event that your password has been lost, stolen or otherwise compromised so that it will not be honored and can be disabled. 

You hereby release the Bank from any liability and agree not to make any claim or bring any action against the Bank for honoring or allowing any actions or transactions where you have authorized the person performing the actions or transactions to use your account(s) and/or you have given your password to such person, or, in the case of a jointly held account, such person is one of the Account owners.  You agree to indemnify the Bank and hold it harmless from and against any and all liability (including but not limited to reasonable attorney fees) arising from such claims or actions.

Except as otherwise provided in this Agreement or by law, we are not responsible for, and the Bank disclaims responsibility for, any loss, injury, or damage, whether direct, indirect, special or inconsequential (whether based in contract, tort, strict liability or otherwise), caused by the website or use of Online Banking or arising in any way out of the installation, operation, or maintenance of your PC or mobile device such as a cell phone, or any other wireless device or equipment (even if we have been advised of the possibility of such damages), including liability associated with any virus or malicious software which may infect a user’s PC or mobile device such as a cell phone, or any other wireless device or computer equipment. It is the customer’s responsibility to have up-to-date virus detection and firewall software installed on their PC or mobile device such as a cell phone, or any other wireless device, prior to using the Bank’s Online Banking Services. The use of the Bank’s site, without such safeguards, increases the risk of a compromise to the user’s computer system and username and password protections. We will use our best efforts to include accurate and up to date information on the website, but we make no warranties or representations as to the accuracy of the information provided by the Bank or third parties. You agree that all access and use of this website and its contents is at your own risk.

You agree to indemnify, defend and hold us, our affiliate companies, directors, officers, employees and agents harmless against any third-party claim, demand, suit, action or other proceeding and any expenses related to the use of Online Banking.

Account information displayed through Online Banking is current information.  Funds transfers between Account(s) initiated on your computer using Online Banking and received by the Bank by 5:45 P.M. EST Monday through Friday will be effective on the current business day.  Funds transfers processed on your computer using Online Banking and received after 5:45 P.M. EST Monday through Friday or all day Saturday, Sunday and banking holidays will be effective the following business day.

Electronic mail to the Bank may be delayed; therefore, if you need the Bank to receive information concerning your Account immediately, you must contact the Bank in person or by telephone (i.e. stop payments, to report a lost or stolen ATM card or to report unauthorized use of your Account).  The Bank shall have a reasonable period of time after receipt to act on requests or information you send by electronic mail.

The Bank shall be responsible for performing services expressly provided for in this Agreement, and shall not be liable for any error or delay, so long as the Bank acted in accordance with the terms and conditions hereof.  The Bank shall not be liable if you do not have sufficient funds in a designated Account to complete the transaction you initiate or if the Account is closed.  The Bank shall not be liable if you have not given the Bank complete, correct or current transfer or payment instructions or if you have not followed proper instructions given through Online Banking.  The Bank shall not be responsible for any loss, damage, liability, or claim arising, directly or indirectly from any error, delay or failure in performance of any of its obligations hereunder which is caused by fire or other natural disaster, strike, civil unrest, any inoperability of communications facilities or any other circumstances beyond the control of the Bank.

My initial use of Rochelle State Bank Online Banking product constitutes my acceptance and agreement to be bound by all of the terms and conditions of this agreement and acknowledges my receipt and understanding of this agreement.

The Bank has the right to modify or terminate this Agreement at any time.  We will comply with any notice requirements under applicable law for such changes or termination.  If we terminate this Agreement, no further Online Banking transfers will be made, including but not limited to any payments or transfers scheduled in advance or any preauthorized recurring payments or transfers.  If we modify this Agreement, your continued use of Online Banking services will constitute your acceptance of such changes in each instance.

ELECTRONIC FUNDS TRANSFER PROVISIONS FOR CONSUMERS

THE PROVISIONS UNDER THIS HEADING ARE APPLICABLE ONLY TO ONLINE ELECTRONIC FUNDS TRANSFERS WHICH CREDIT OR DEBIT A CONSUMER’S CHECKING, SAVINGS OR OTHER ASSET ACCOUNT AND WHICH ARE SUBJECT TO THE ELECTRONIC FUNDS TRANSFER ACT AND THE FEDERAL RESERVE BOARD’S REGULATION E (AN “EFT”).

When applicable, the Bank may rely on any exceptions to these provisions which are contained in Regulation E.  All terms that are not defined in this Agreement, but which are defined in Regulation E shall have the same meaning when used in this section.  

You must notify the Bank immediately if you believe your password or other means of accessing your Account has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit, if applicable).

• If you tell us within two (2) business days after you learn of the loss or theft of your password or other means of accessing your Account, you can lose no more than $50 if someone used your password or access device without your permission.
• If you do NOT tell us within two (2) business days after you learn of the loss or theft of your password or other means of accessing your Account, and we can prove we could have stopped someone from using your password access device without your permission if you had told us, you could lose as much as $500.

The Bank will mail or deliver to you periodic statements for your Bank Accounts as disclosed in your deposit agreements.  The Bank will include any transfers you authorize through Online Banking on your statements.  You agree to review your periodic statements in accordance with this Agreement and any other deposit Agreements governing your Account, for accuracy of all data transmitted through Online Banking.  You should promptly notify the Bank of any discrepancies, including but not limited to, any errors or inaccuracies related to data transmitted by Online Banking.

If your statement shows transfers that you did not make, including those made by through the use of Online Banking or other means, you must notify us immediately.  If you do not notify us within sixty (60) days after the statement was transmitted to you, you may not get back any money in your account (including your maximum overdraft line of credit, if applicable) that you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time.  If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

If you believe unauthorized transactions are being made from your Account or have any questions regarding electronic funds transfers, please notify the Bank immediately.  Contact Rochelle State Bank by telephone at 229-365-2236 or by mail at: P O Box 188-800 Ashley Street, Rochelle, Georgia 31079.

If you feel that any statement is incorrect, or you wish to have more information about a transfer listed on a statement, contact us in writing or by telephone.  We must hear from you within sixty (60) days after we send you the FIRST statement on which the problem or error appeared.  When you contact us,

1. Tell us your name and Account number.
2. Describe the error or the transfer you are unsure about, and explain as clearly as possible why you believe it is an error or why you need more information.
3. Tell us the dollar amount of the suspected error.

If you notify us by telephone, we may require that you send us your complaint or question in writing within ten (10) business days.  If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not provisionally credit your Account.

We will tell you the results of our investigation within ten (10) business days after notice of the problem and will correct any error promptly.  If we need more time, however, we may take up to ninety (90) days to investigate complaints or questions concerning foreign-initiated transfers, or up to forty-five (45) days to investigate all other electronic transfers.  If we need this extended time to investigate, we will provisionally credit your Account within ten (10) business days for the amount you think is in error.  You will have the use of the money during the time it takes us to complete the investigation.  If we decide no error occurred, we will send you a written explanation within three business days after our investigation is completed.  You may ask for copies of the documents we used in our investigation.

Alerts Terms and Conditions

Alerts. Your enrollment in Rochelle State Bank’s Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Rochelle Bank account(s). Account Alerts and Additional Alerts must be managed and/or added online through the Service. We may add new alerts from time to time, or cancel old alerts. We usually notify you when we cancel alerts, but are not obligated to do so. Rochelle State Bank reserves the right to terminate its alerts service at any time without prior notice to you.

Methods of Delivery. We may provide alerts through one or more channels (“endpoints”): (a) a mobile device, by text message, (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your Rochelle Bank Online Banking message inbox. You agree to receive alerts through these endpoints, and it is your responsibility to determine that each of the service providers for the endpoints described in (a) through (c) above supports the email, push notification, and text message alerts provided through the alerts service. Please be advised that text or data charges or rates may be imposed by your endpoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you alerts. If your email address or your mobile device’s number changes, you are responsible for informing us of that change. Your alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number.

Alerts via Text Message. To stop alerts via text message, text “STOP” to {ShortCode} at anytime.  Alerts sent to your primary email address will be unaffected by this action. To restore alerts on your mobile phone, just visit the alerts tab in Rochelle State Bank’s Online Banking.  For help with SMS text alerts, text “HELP” to 41952. In case of questions please contact customer service at 229-365-2236. Our participating carriers include (but are not limited to) AT&T, T-Mobile^®, U.S. Cellular^®, Verizon Wireless, MetroPCS.

Limitations. Rochelle State Bank provides alerts as a convenience to you for information purposes only. An alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside Rochelle Bank’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold Rochelle State Bank, its directors, officers, employees, agents, and service providers liable for losses or damages, including attorneys’ fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose.

Alert Information. As alerts delivered via SMS, email and push notifications are not encrypted, we will never include your passcode or full account number. You acknowledge and agree that alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your alerts will be able to view the contents of these messages.