Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.
Online Banking

Internet Banking Agreement and Disclosure Statement

Updated 11/15/17
 
This agreement contains the terms and conditions that govern accessing or using Internet Banking (NetTeller), Mobile Banking, Bill Payer, On Demand Transfer, and Person to Person (P2P) Services (the “Services”). When you use the Services you agree to the terms and conditions outlined in this agreement. The agreement will be governed by and interpreted in accordance with all applicable federal and State of Wisconsin laws and regulations. The following rules will apply to the extent there is no applicable federal or State of Wisconsin law or regulation. The terms “we”, “us”, “our”, and “Bank” refer to Citizens Bank. “You” and “your” mean each person who establishes a NetTeller Account with us or who uses or is authorized to use a NetTeller identification number and password or other means of access we establish or approve. The term “NetTeller” means our 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, mobile phone and/or other means we authorize or allow.
 
Unauthorized use of these systems is strictly prohibited and is subject to prosecution under the Computer Fraud and Abuse Act of 1986 and Title 18, U.S. Code Sec. 1001 and 1030. Bank or its Service Provider may monitor and audit usage of this system. You are hereby notified that the use of this system constitutes consent to such monitoring and auditing.
 
You also agree that this disclosure will act as an ("E-Sign Agreement") that applies to all communications, documents, disclosures and electronic signatures related to the products, services and transfers offered or accessible through the Services offered by the Bank for all cardholders, authorized users, account owners, account signers, applicants, and any other person using this Service as a Sender or Recipient or registering to use this Service.
 
You specifically agree that any electronic signature that you provide through this online process is valid and enforceable as your legal signature. You acknowledge that these electronic signature(s) will legally bind you to the terms and conditions contained in the E-Sign Agreement just as if you had physically signed the same document(s) with a pen.
 

BUSINESS DAY/HOURS OF OPERATIONS

“Business Day” means Monday through Friday excluding Federal Holidays.
 
NetTeller transfers and Citizens Bank loan payments may be performed until 7:00 pm Central Time (CT) on a Business Day. Transactions performed after 7:00 pm (CT) on a Business Day will be processed the next Business Day.
 
Bill Payer transactions will be processed if received by 2:00 pm (CT) on a Business Day. Bill Payment transactions received after 2:00 pm (CT) on a Business Day will be processed the next Business Day.
 
Processing occurs twice daily – the first of the day at 7:00 am (CT), the second at 2:00 pm (CT).
 
The payment will be processed on the date scheduled at the earliest possible processing time. If the payment was scheduled with today’s date and the last processing time has passed, the payment will be processed at the next possible processing time. For example:
  • Payment scheduled with today’s date and entered at 9:00 am (CT):
    • Payment will process today at 2:00 pm (CT).
  • Payment scheduled with today’s date and entered at 3:00 pm (CT):
    • Payment date will display tomorrow’s date and will process at 7:00 am (CT).
  • Payment scheduled with future date, regardless of time entered:
    • Payment will process at 7:00 am (CT) on the scheduled date.
Payments do not get processed on holidays or weekends. If a scheduled payment falls on a holiday or weekend, it will be processed based on the “Pay Before” or “Pay After” setting within that payment’s setup. The setting of “Pay Before” will process the payment on the first Business Day prior to the original processing date. The setting of “Pay After” will process the payment on the first Business Day after the original processing date.
 
You must make a stop payment order by 7:00 pm (CT) on a Business Day in order for it to be effective the same Business Day. Stop payments placed after 7:00 pm (CT) on a Business Day will become effective the next Business Day. Stop payment orders must precisely identify the number, date and amount of the item and the payee.
 
If an On Demand Transfer (External Transfer) is scheduled before 1:00 pm (CT) on a Business Day, the transfer will be processed that Business Day and funds will be posted generally no later than two Business Days after it is processed.
 
Person to Person (P2P) transfers can be made at any time. If the recipient uses their Debit Card number to accept payment, funds will be made available by the end of the Business Day. If the recipient uses an account and routing number to accept payment, the Transfer Instructions shall be received pursuant to the terms of this Agreement, and the rules of the National Automated Clearing House Association ("NACHA") and the applicable automated clearing house, as well as any EFT Network, or networks, utilized to automate the transfer of funds and governed by Regulation E, (collectively, the "Rules"). The parties agree to be bound by such Rules as in effect from time to time. In accordance with such Rules, any credit to an Account shall be provisional until the Bank or the third party institution, which holds the account, has finally settled such credit.
 

HARDWARE, SOFTWARE AND OPERATING SYSTEM REQUIRED

You are responsible for obtaining, installing, maintaining and operating all software, hardware or other equipment (collectively, "Systems") necessary for you to access and use the Services. This responsibility includes, without limitation, your utilizing up to date web browsers and access devices and the best commercially available encryption, antivirus, anti-spyware, and internet security software. The Bank is not responsible for viruses or related problems associated with use of these online systems.
 

Supported Operating Systems:

Windows – Win 7 SP1, Win 8, 8.1 and Win 10
Apple – Mac OS X 10.5, Mac OS X 10.6 Snow Leopard, OS X Lion, OS X Mountain Lion, OS X Mavericks, OS X Yosemite, OS X El Capitan, macOS Sierra, macOS High Sierra
Internet Browser with 128-bit encryption: Our supported browser notice can be viewed at: http://info.netteller.com/go/supported-browsers
Native Mobile Apps: Only the Citizens Bank WI Mobile Banking App for iPhone® or Citizens Bank WI Mobile Banking App for iPad™, available on the App Store℠, or the Citizens Bank WI Mobile Banking App for Android™, available on Google Play™, are supported.
 
You are additionally responsible for obtaining Internet services via the Internet service provider of your choice, for any and all fees imposed by such Internet service provider and any associated communications service provider charges. You acknowledge that there are certain security, corruption, transmission error, and access availability risks associated with using open networks such as the Internet and you hereby expressly assume such risks, including, but not limited to those we may disclose in our educational materials. You acknowledge that you are responsible for the data security of the Systems used to access NetTeller, and for the transmission and receipt of information using such Systems.
 

IDENTIFICATION NUMBER AND PASSWORD

To access our NetTeller service, you must use the identification number and/or other means of access we establish or provide for your NetTeller Account, together with a password. Anyone to whom you give your NetTeller 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.
 

INTERNET FUNDING ACCOUNT

You may not designate any account that requires more than one signature for withdrawals. You must be the owner of this account.
 

NETTELLER SERVICES

You or someone you have authorized by giving them your NetTeller identification number (ID) and password or other means of access (even if that person exceeds your authority), can perform the following transactions via our Internet Banking and Mobile Banking services:
  • View details on Deposit Accounts and most loans
  • View history on Deposit Accounts and most loans
  • Balance inquiries on Deposit Accounts and most loans
  • Transfer of funds between qualifying Citizens Bank accounts
  • Loan Payments from Deposit Accounts to most Loan Accounts
  • Perform other transactions that we authorize
  • You may use NetTeller to view copies of checks and Deposit Account statements, place stop payments on checks, download account information to personal financial management software such as Quicken® and set up account alerts.
  • For security reasons, your NetTeller ID will become dormant after 120 days of inactivity

Bill Payer

  • Bill Payer allows you to enter and schedule the date of payments you want to make.
  • A recurring scheduled payment can be set up in advance to any date in the future. A ‘one time’ payment can be set up to be processed up to 18 months in the future.

On Demand Transfer

  • Allows you to transfer money between most deposit accounts you have with Citizens Bank and most deposit accounts (Checking, Savings, Money Market and NOW Accounts) you own at other financial institutions provided funds are available in the account you are transferring money from. You are responsible for having sufficient available funds on deposit to execute an External Transfer in full on the scheduled dates.
  • Access to On Demand Transfer may be stopped after 90 days of inactivity.

Person to Person (P2P) Transfer

  • Allows you to transfer money from any Checking Account attached to a Debit Card you have with Citizens Bank to an account located at Citizens Bank or another Financial Institution.. You are responsible for having sufficient available funds on deposit to execute an External Transfer in full on the scheduled date.

Limitations for NetTeller Banking, Bill Payer, On Demand Transfer, and Person to Person (P2P) Transfer

  • You must have enough available money or credit in any Deposit Account from which you instruct us to make a payment or transfer.
  • Federal Regulation limits the number of transfers and preauthorized electronic transfers to third parties from Money Market and Savings type Account(s). You are limited to six such transfers from each Money Market and/or Savings type Account(s) you have per month for each such account for purposes of making a payment to such third parties.
  • Check payments are limited to $999,999.99.
  • Email payments are limited to $3,000.00 per payment with a cap of $10,000.00 per day.
  • Electronic payments are validated against the available account balance prior to processing with a maximum limit of:
    • Bill Payer: $999,999.99.
    • On Demand Transfers: Limit as indicated on “On Demand Transfer” application.
    • The minimum amount that can be sent for either check or electronic is $0.01.
  • On Demand Transfer can only be used by Consumers. Businesses are not allowed to use this Service.
  • Person to Person (P2P) transfers can only be used by Consumers. Businesses are not allowed to use this Service.
  • Person to Person (P2P) transfers are limited to your available balance prior to processing with a maximum limit of:
    • $750.00 per 24 hour time frame for a consumer.
  • You must have an active Debit Card in order to perform P2P transfers.
  • The Bank may establish a limit on the number of P2P transfers and on the total dollar amount of transfers that can be attempted or completed in one day.

Mobile Services

  • Your enrollment in NetTeller may include access to some products and services through a mobile device ("Mobile Services"). By using the Mobile Services, you agree to the following terms. You agree that we may send you information relative to Mobile 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 Mobile 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.
  • The Mobile Services are provided for your convenience and do not replace your monthly account statement(s), which are the official record of your accounts. Delivery and receipt of information, including instructions for payment, transfer and other move money transactions, through the Mobile 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 Mobile Services. We reserve the right to determine your eligibility for any product, service, or functionality. The method of entering instructions via the Mobile Services may also differ from the method of entering instructions directly through NetTeller without the use of a mobile device We are not responsible for such differences, whether or not attributable to your use of the Mobile 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.
  • You may use our Native apps for the iPhone, iPad, and Android devices. These can be downloaded from the various app stores for your device.
 

BILL PAYMENT SERVICES (BILL PAYER)

You authorize us to follow your payment instructions. “Electronic Payments” - for a Pay One or Pay Many payment(s), we will deduct your payments(s) from your Checking Account on the date you set for the payment to be forwarded to the payee (the “Payment Date”) or within 2 Business Days of the Payment Date. For Recurring Payments, we will deduct your payment from your account on the start date (“Start Date”) or within 2 Business Days of the start date. We will deduct subsequent payments from your account using the start date as a reference point. “Check Payments” - for payments that are processed via check(s), the funds will be deducted from your account when the issued check for that payment gets presented against your account. We will initiate payments to payees designated by you. To ensure on-time payments, allow at least 3 Business Days for electronic and 7 Business Days for standard check payments. If a payee does not accept electronic payments, you authorize us to make payment by check. We may, but need not, deduct these payments from your designated account even if they create an overdraft.
 
The date a payee credits a payment depends upon the payee’s payment processing procedures and any specific requirements for payments, as well as delays in receiving a payment. We will not be responsible for:
  • delays in crediting payments by a payee that are the result of their procedures;
  • your failure to follow a payee’s payment requirements;
  • your failure to schedule a proper date for payment sufficiently in advance of the date a payment is due;
  • delays in any mail service; or
  • other exceptions stated in this Agreement.
You authorize us to make payments by electronic, paper or other means we determine appropriate.
 
Upon termination of the bill payment service by either party, you will be responsible for making arrangements to pay any future or Recurring Payments. We reserve the right to refuse to pay a payee for reasons we deem sufficient, including, without limitation, if:
  • your designated account has insufficient available funds,
  • a payee has refused to accept a payment,
  • you attempt to make a payment to a governmental agency or to a payee outside of the United States or a U.S. territory,
  • you attempt to make a court-directed alimony or support payment, or
  • your Bill Payer account becomes inactive for greater than 90 days
You are responsible for having sufficient available funds on deposit to make payments in full on scheduled dates.
 

PERSON TO PERSON (P2P) SERVICES

You agree to receive all legal and regulatory notices, disclosures and other communications associated with this Service through electronic means including web-based electronic interface, mobile phone interface or email.
 
To use this Service you must provide your current email address so that we can send you important information related to your use of this Service. You may review and update the personal information maintained about you in the "Manage Profile" section of the P2P feature at any time to ensure that it is accurate.
 
Notice is given to the Recipient by the Sender providing the Recipient's email address or mobile phone number. You may originate these Transfers by use of a computer or a mobile smart phone. To use this Service you are providing information to our Service Provider from your mobile phone, desktop, laptop, or other computer. Service Provider is a vendor of the Bank.
 
Funds may be transferred to any account in the United States as long as the Transfer is legal and allowed by the financial institutions involved.
 
Individuals with a Debit Card issued by Bank are eligible to use this Service to send funds to a Recipient. Any individual with an account in the United States that may receive POS or ACH transactions may use this Service to receive funds that are transferred by the Sender. Other restrictions and eligibility requirements apply as described in this Agreement or other disclosures. Bank does not knowingly collect any personal information from or about individuals. Please do not submit such information to the Bank, and as a parent or legal guardian, please do not allow your children to submit personal information without your permission. By using the Site or the Service, you represent that you meet these requirements.
 
You may make one-time Transfers by entering your Debit Card(s) in the P2P feature of the mobile app. The Sender provides the Recipient's email address or mobile phone number, and the Service uses this information to notify the Recipient. A Recipient must accept the Transfer within 10 days, or the Transfer will be cancelled and reversed. During this period, funds will be removed from the Sender's Account for the amount of the Transfer and the fee. Once the Recipient has successfully accepted the Transfer, funds will be sent to the Recipient’s financial institution for deposit to the Recipient's account. If the Sender and Recipient are both Bank customers enrolled in the Service, Transfers will be immediately debited from the Sender's Account and reflected in the Recipient's Account. If the Sender and Recipient are customers of different financial institutions, Transfers will be immediately debited from the Sender's Account and will be delivered to the Recipient's financial institution once claimed. Bank is not responsible for any failure of another financial institution to timely credit its customer's account.
 
You acknowledge and agree that Transfers will be completed using only the email address or mobile phone number you enter even if it identifies a person different from your intended Recipient. The name you enter will help you identify your intended Recipient in the Transaction History area of the P2P feature. You must accurately enter the Recipient's email address or mobile phone number since your obligation to pay for the Transfer will not be excused by an error in the information you enter.
 
Transfer Instructions relating to external accounts and the transmission and issuance of data related to such Transfer Instructions shall be received pursuant to the terms of this Agreement, and the rules of the National Automated Clearing House Association ("NACHA") and the applicable automated clearing house, as well as any EFT Network, or networks, utilized to automate the transfer of funds and governed by Regulation E, (collectively, the "Rules"). The parties agree to be bound by such Rules as in effect from time to time. In accordance with such Rules, any credit to an Account shall be provisional until the Bank or the third party institution, which holds the account, has finally settled such credit.
 
It is the responsibility of the Sender and Recipient of funds to provide accurate information. You agree that you as Sender are authorized to withdraw or as Recipient are authorized to deposit funds into the Accounts whose numbers you provide or into the Accounts associated with the card number you are providing. You authorize the Bank, directly or through third parties, to make any inquires considered necessary to validate your identity. This may include asking you for further information, requiring you to take steps to confirm ownership of your email address or financial instruments, ordering a credit report and verifying your information against third party databases or through other sources.
 
You authorize the Bank to debit your account to complete the Transfer you request. If you are receiving funds, you authorize the crediting of your account using card networks or NACHA.
 
By using this Service, you, as the Sender, authorize the sending of an email or text message instructing the Recipient how to receive the funds that you are sending. You are further authorizing any Recipient of this message to act on the instructions to receive the funds you are sending. You acknowledge that any party receiving the email message at the email address you provide or text message at the mobile phone number you provide may obtain the funds you are sending.
 
You acknowledge and agree that we are not responsible for determining the identity of the party who receives the email or text message and acts upon the email or text message you provide. Your funds may not reach the intended Recipient because of errors made by the Sender or Recipient and you could lose all the funds. The funds that are credited to the account cannot be recalled by us. If you suspect that you have entered information incorrectly, call us immediately and we may be able to cancel the Transfer. We have no obligation to cancel the Transfer or to reimburse funds that were transferred according to the Sender’s instructions. Furthermore, we may reject any Transfer request and may terminate your use of this Service for any reason including attempting insufficient funded Transfers.
 
By using this Service you as the Recipient are confirming that you are the person to whom the Sender intends to transfer funds. As the Recipient, you will be asked to provide your Debit Card information that will be used to transfer funds to your Account. If you choose not to provide your Debit Card information or your institution does not participate, you will be asked to provide account information including account number and routing information for your financial institution. In this case the funds will be transferred through the Automated Clearing House.
 
It is important that you enter accurate information. You agree that the Bank, the receiving financial institution and our Service Provider may rely solely on the instructions you provide. If you enter inaccurate cardholder or account number information the funds may be deposited into another person’s account. You acknowledge that the financial institution may make the deposit based on the account number or card number you provide even if those numbers do not correlate to the name that you provide. Retrieval of these funds will be the Recipient’s responsibility to work with the financial institution to which the funds were sent. You may lose all the funds that were transferred. The funds that are credited to the account cannot be recalled by us.
 
If you suspect that you have entered information incorrectly or that you have received funds in error, call us immediately and we may attempt to cancel the transaction. We have no obligation to cancel the Transfer or to reimburse funds that were transferred according to the Recipient’s instructions.
 
By using this Service you agree that you are the intended Recipient of the email or text message and that you are the intended Recipient of the funds. If you are not the person to whom the funds are intended then you agree to take no further action. You understand that it is a federal felony to use another person's identification with the intent to commit unlawful activity. You represent that the information you are providing is your true and correct information. If any information you provide is fraudulent, the Bank reserves the right to recover all costs or losses from you, regardless of whether such costs or losses are incurred directly or indirectly.
 
Funds may be transferred from the account from which the debit card is authorized to transfer funds. Such transfers may overdraft your account and may result in a transfer from another account to cover the overdraft. In any of these situations, a transfer fee may be charged, as applicable. You may be denied service for insufficient funds in your account. You will be responsible for any other transaction fees that apply to your Account. When receiving the funds, by clicking the check box; “I accept the terms of service”, you are electronically signing this Agreement and are bound by it.
 
You authorize us to debit your account to complete the Transfer you request. If you are receiving funds, you authorize the Bank to credit your Account using card networks/switches or NACHA.
 
Other events may affect the timing or success of a Transfer reaching the intended Recipient. Such events may include, but are not limited to, errors made by the Sender or Recipient in entering information, inaccurate account or card number information, delays in posting by the receiving institution, acts of God, and network and NACHA interruptions. If we believe the Transfer may be illegal, we may decline or reverse the Transfer. The receiving institution may choose not to post the Transfer or to delay posting the Transfer. Neither the Bank nor the Service Provider is responsible for any delays in the Transfer of funds or the posting of funds to the Recipient’s Account. You may have certain rights and responsibilities regarding the failure to timely post transactions and you are encouraged to pursue dispute resolution with the receiving financial institution.
 
Financial institutions have rules and regulations that govern their accounts. Some of these regulations may not allow a POS or ACH transfer of funds. You are responsible for ensuring that these types of Transfers are allowed for the Account that you specify. For example, an IRA may not allow electronic transfers directly into the Account. We are not responsible for any action or lack of action taken by the financial institution that delays, inhibits, or prevents the posting of the Transfer to the Account.
 

BILL PAYMENT AND TRANSFER SERVICE FEES

Bill Payer Service: There may be a fee for making payments using the Bill Payer Service. Please refer to the Bank's "Fee Schedule" for fees relating to the Bill Payer Service. Fees are subject to change from time to time upon notice to you as may be required by law. If we process a payment in accordance with your Instructions that overdraws your account, we may assess a fee or charge interest for any such overdraft in accordance with the terms of your Deposit Account Agreement. We will not be liable for failure to pay any bill payment request unless it is drawn against available funds credited to the designated Pay From account.
 
Internal Transfer Service Fees: If we process an Internal Transfer in accordance with your instructions that overdraws your account, we may assess a fee or charge interest for any such overdraft in accordance with the terms of your Deposit Account Agreement.
 
On Demand Transfer Service Fees: There may be a fee for making outgoing and incoming Transfers using the On Demand Transfer Service. Please refer to the Bank's "Fee Schedule" for fees relating to the On Demand Transfer Service. Fees are subject to change from time to time upon notice to you as may be required by law. If we process a transfer in accordance with your Instructions that overdraws your account, we may assess a fee or charge interest for any such overdraft in accordance with the terms of your Deposit Account Agreement. If we process a transfer in accordance with your Instructions that overdraws your account at another Financial Institution, they may assess a fee or charge interest for any such overdraft in accordance with the terms of your Deposit Account Agreement with the other Financial Institution. You will not hold Citizens Bank responsible to pay any fees or charges assessed by your other Financial Institution.
 
You will be responsible for paying any telephone company or utility charges and/or Internet access service fees incurred while using telephone lines and/or Internet access services to connect with NetTeller. If you use personal financial management software to access your accounts (such as Quicken®), a fee may be charged for the use of those services and additional service terms and conditions may apply.
 
Person to Person (P2P) Service Fees: There is no fee for making a P2P transfer or using the Service. Fees are subject to change from time to time upon notice to you as may be required by law. Please note that your mobile carrier may charge you for text messaging or for use of your mobile phone’s data usage. Please check your mobile service agreement for details on applicable fees. The Transfer receiver’s institution may have limits on the number and type of Transfers allowed and may also charge a transaction fee to the recipient. You will not hold Citizens Bank responsible to pay any fees or charges assessed by another Financial Institution.
 

OUR LIABILITY FOR FAILURE TO COMPLETE PAYMENTS OR TRANSFERS

If you follow the procedures in this agreement and help screens, and we fail to send a payment on the Payment Date or other scheduled payment date, we will reimburse you for any late charge penalty assessed by a Payee because your payment was received late. In any other event, the risk of incurring and the responsibility for paying any and all late charges or other damages or penalties shall be borne by you.
 
If we do not complete a payment or transfer on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages as provided by law. However, there are exceptions. We will NOT be liable, for instance:
  • If, through no fault of ours, you do not have enough available money in the account from which a payment or transfer is to be made, or if the account has been closed or is not in good standing, or if we reverse a payment or transfer because of insufficient funds.
  • If any payment or transfer would go over the credit limit of any account.
  • If your equipment or ours was not working properly and the breakdown should have been apparent to you when you attempted to conduct the transaction.
  • If you have not given us complete, correct or current account numbers or other identifying information so that we can properly credit your account or otherwise complete the transaction.
  • If you do not properly follow our instructions or if you provide us with wrong or inaccurate information or fail to correct or tell us about any inaccuracy of which you are aware.
  • If you do not instruct us soon enough for your payment or transfer to be received and credited by the time it is due.
  • If the money in the account from which a payment or transfer is to be made is subject to legal process or other claim restricts the transaction.
  • If circumstances or persons beyond our control (such as fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent, delay, intercept or alter the transaction, despite reasonable precautions that we have taken.
  • There may be other exceptions provided by applicable law.
If you believe you are entitled to a reimbursement for a late charge penalty please contact us at 262-363-6500 during normal business hours.
 
You agree to indemnify, defend, and hold the Bank and its affiliates, officers, directors, employees, consultants, agents, service providers and licensors harmless from any and all third party claims, liability, damages, and/or costs (including but not limited to reasonable attorneys’ fees) arising from your use of the Service, our reliance on the Transfer instructions and other information you provide, the performance or non-performance of other financial institutions, or other signers, owners or users of your Accounts.
 

STATEMENTS

Your Internet Banking payments and transfers will be indicated on the statement we provide or make accessible to you for the Internet Funding Account. You agree to notify us promptly if you change your address or if you believe there are any errors or unauthorized transactions on any statement, or statement information.
 

YOUR LIABILITY

You agree to the terms of this account and the “"Fee Schedule" that may be imposed. You authorize us to deduct these charges as accrued 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 Internet 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.
 

LIMITATIONS OF WARRANTIES

THE SITE AND SERVICE AND RELATED DOCUMENTATION ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. IN PARTICULAR, WE DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO ANY PART OF OUR SERVICE, AND OPERATION OF THE SITE MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL. SOME STATES DO NOT ALLOW THE DISCLAIMER OR CERTAIN IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU. THIS PARAGRAPH GIVES YOU SPECIFIC LEGAL RIGHTS AND YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM STATE TO STATE.
 
THE FOREGOING SHALL CONSTITUTE YOUR EXCLUSIVE REMEDIES AND THE ENTIRE LIABILITY OF THE BANK AND ITS AFFILIATES AND SERVICE PROVIDERS AND THE EMPLOYEES AND CONTRACTORS OF EACH OF THESE, FOR THE SERVICE AND THE PORTION OF THE SITE THROUGH WHICH THE SERVICE IS OFFERED. YOU ACKNOWLEDGE AND AGREE THAT FROM TIME TO TIME, THE SERVICE MAY BE DELAYED, INTERRUPTED OR DISRUPTED PERIODICALLY FOR AN INDETERMINATE AMOUNT OF TIME DUE TO CIRCUMSTANCES BEYOND OUR REASONABLE CONTROL, INCLUDING, BUT NOT LIMITED TO, ANY INTERRUPTION, DISRUPTION OR FAILURE IN THE PROVISION OF THE SERVICE, WHETHER CAUSED BY STRIKES, POWER FAILURES, EQUIPMENT MALFUNCTIONS OR OTHER REASONS.
 

LIMITATION OF LIABILITY

IN NO EVENT SHALL THE BANK OR ITS AFFILIATES OR SERVICE PROVIDERS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICE CAUSED BY ITS AFFILIATES OR SERVICE PROVIDERS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOSS OF GOODWILL OR LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE SERVICE OR THE PORTION OF THE SITE THROUGH WHICH THE SERVICE IS OFFERED, EVEN IF SUCH DAMAGES WERE REASONABLY FORESEEABLE AND NOTICE WAS GIVEN REGARDING THEM.
 

ERRORS OR QUESTIONS ABOUT BILL PAYMENTS AND TRANSFERS – CONSUMER ACCOUNTS ONLY

If you think your statement or receipt is wrong, or you need more information about a transaction on your statement, write us at:
Citizens Bank
P.O. Box 223
Mukwonago, WI 53149-0223
Or, you may send us a secure email through your NetTeller account or secure message using the “Contact Us” application from our website, www.citizenbank.com.
 
In your letter, give us the following information:
  • Your name and account number.
  • A brief description of the error or transaction you are unsure about and an explanation why you believe there is an error or why you need more information.
  • The dollar amount of the suspected error.
You can also telephone us at 262-363-6500, but doing so will not preserve your rights.
 
We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared.
 
If you told us of your complaint or question orally, we may require that you send us your complaint or question in writing within 10 business days. If we do not receive your written complaint or question within 10 business days, we may not provisionally credit your account. We will investigate your complaint and correct any error promptly. If we take more than 10 business days to investigate, we will credit your account for the amount you think is in error; so that you will have the use of the money during the time it takes us to complete our investigation. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question. In the case of point of sale transactions and foreign-initiated electronic fund transfers, we may take up to 90 calendar days to complete our investigation. If we decide to do this, we will provisionally reaccredit your account within 10 business days for the amount in question.
 
If a claim is made within 30 calendar days of opening an account, we may take up to 90 calendar days to investigate your complaint. If we decide to do this, we will provisionally credit your account within 20 business days for the amount in question. If we determine there is 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 used in the investigation.
 

ERRORS OR QUESTIONS ABOUT BILL PAYMENTS AND TRANSFERS – BUSINESS ACCOUNTS ONLY

In case of errors or questions about your electronic transfers or payments you should contact us as soon as you can by calling at 262-363-6500 or writing us at:
Citizens Bank
P. O. Box 223
Mukwonago, WI 53149-0223
Or, you may send us a secure email through your NetTeller account or secure message using the “Contact Us” application from our website, www.citizenbank.com.
 
If you think that your statement is wrong or you need more information about a transfer or payment listed on the statement we must hear from you no later than sixty (60) days after we sent or otherwise made available to you the first statement on which the problem or error appeared. Failure to so notify us will preclude you from being able to assert a claim based on such problem or error. Any errors reported to us will be investigated by us and we will advise you of the results of our investigation.
 
In case of errors or questions about your electronic transfers that appear on your External Account statements, please contact the financial institution that provided such statement to you in accordance with the terms and conditions of your External Account.
 

DISCLOSURE OF ACCOUNT INFORMATION

We will disclose information to third parties about your account or electronic funds transfers made to your account:
  • Where necessary to complete a transfer or investigate and resolve any errors involving the transfer(s); or
  • In order to verify the existence and condition of your account for a third party such as a credit bureau or merchant; or
  • In order to comply with government agency or court orders, subpoenas, summons, warrants or other lawful process; or
  • With your consent
 

LOSS OR THEFT OF YOUR NETTELLER IDENTIFICATION NUMBER OR PASSWORD

If you believe your NetTeller identification number, password or other means of access have been lost, stolen or that someone has used them without your authorization, contact us on normal business days, excluding holidays:
  • Between 8:30 a.m. and 5:00 p.m. Monday – Friday call us at 262-363-6500.
  • Between 5:00 p.m. and 7:00 p.m. Monday – Friday call one of our In-Store branches
  • Between 9:00 a.m. and 5:00 p.m. on Saturdays call one of our In-Store branches
  • Between 9:00 a.m. and 3:00 p.m. on Sundays call one of our In-Store branches
    • In-Store Branches
      • East Troy Office: 262-642-6700
      • Muskego Office: 414-422-9200
      • Parkview Office: 262-363-6525

Or you may E-Mail us at: ONLINESUPPORT@CITIZENBANK.COM
 
We will send an e-mail back to you as confirmation that we did receive it. Because the Internet is not secure, do not include any of your account or social security numbers with your e-mail.
 
Or write to us at:
Citizens Bank
P O Box 223
Mukwonago, WI 53149-0223
Quickly telephoning us is the best way of reducing your possible losses. If you leave a message on our voicemail, please leave your name, address, phone number and a brief message as to what the problem might be.
 

AMENDMENTS

The Bank may amend the Internet Banking Agreement and Disclosure Statement at any time by posting a revised version on the Site. The revised version will be effective immediately at the time it is posted, unless a delayed effective date is expressly stated therein. Bank may also provide you with an email notification of such amendments. The Bank may require you to affirmatively acknowledge or accept the revised Agreement in order to continue using the Service. Any use of the Service after a notice of change (whether by Site posting, email, or express acknowledgment or acceptance) will constitute your express agreement to such changes.
 

THIRD PARTY TRADEMARKS

Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. iPad is a trademark of Apple Inc. App Store is a service mark of Apple Inc.
 
Android and Google Play are trademarks of Google Inc.
 
Quicken is a trademark of Intuit Inc., registered in the United States and other countries.