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Internet Banking and Bill Pay Service Agreement.


If you would like to talk with us about your enrollment,
please call 1-319-373-5400.

We are available Monday – Friday 8:00 a.m. to 5:00 p.m. (Central Standard Time)

Thank you for your interest in the Heritage Bank Online Banking and Bill Pay Service.

Please read this agreement and print it for your records before clicking on the "I Understand and Agree" button at the bottom of this page.

This Internet Banking and Bill Pay Service Agreement (“the Agreement”) explains the terms and conditions governing the use of basic Internet Banking Services offered by Heritage Bank. All Internet Banking Services offered by Heritage Bank (including, but not limited to funds transfers) will be referred to collectively as “Internet Banking Services” in this Agreement. By using any of the Internet Banking Services, you agree to abide by the terms and conditions of this Agreement as well as the Deposit Account Terms and Conditions, a copy of which may be accessed by calling your branch. All Internet Banking Services offered by Heritage Bank are governed by this Agreement, as well as applicable Federal Regulatory disclosures and the Deposit Account Terms and Conditions of Heritage Bank.


INTERNET BANKING AGREEMENT

I agree that my use of the Internet Banking Services will confirm that I have completed and reviewed this Agreement and applicable disclosures, both of which Heritage Bank may amend from time to time. My initial use of any Internet Banking Service in connection with my account(s) at Heritage Bank constitutes my acceptance and agreement to be legally bound by all of the terms and conditions of the Agreement and of the Deposit Account Terms and Conditions.

1.Internet Banking Services
I have the Checking and/or Savings account(s) with you set forth on my application form. I hereby request that you issue to me Login Codes to be used in connection with such accounts as described in the Agreement. I understand I may use Internet Banking to (1) transfer funds between accounts; (2) obtain available balances on accounts; (3) obtain the current balances on accounts; and (4) obtain transaction history on accounts. Internet Banking Services requires me to have Internet access established.

2. Identification Number and Password
I understand that my Password or PIN can be used to expend funds from my account and that this code must be safeguarded. I authorize Heritage Bank and its agents to follow any instructions transmitted by use of this code, and I agree to be bound thereby. If accessing a business or non-commercial account, I certify that I am authorized to use the PIN or Password. Heritage Bank is entitled to act upon instructions received through any Internet Banking Service under my PIN or Password without inquiring into the identity of the person using the PIN or Password. However, I agree that I will not, under any circumstances, disclose my PIN or Password to any person. I acknowledge that no employee of Heritage Bank needs or should ever ask for my PIN or Password. I am liable for all transactions made or authorized using my PIN or Password. Heritage Bank has no responsibility for establishing the identity of any person determining the validity of any transaction received using my PIN or Password. If I provide my PIN or Password to anyone, I authorize any transactions carried out by that person. Heritage Bank assumes all transactions authorized by my PIN or Password are legitimate. I hereby indemnify and release Heritage Bank from any and all liability and agree not to make any claim against Heritage Bank or bring any action against Heritage Bank in honoring or allowing any actions or transactions where I have authorized the person performing the action or transaction to use my account or when I have provided my PIN or Password to that person.

3. Liability for Unauthorized Transactions
I agree to contact you at once if I believe the Login Codes issued to me have been lost or stolen. At any time, I may ask you to disable my Access ID or Password and issue a new one to me. I also agree that if my monthly statement shows transactions which I did not make, and I do not contact you within 60 days after the statement was mailed to me, I risk the return of lost funds. I understand that if I believe an unauthorized transfer from any of my accounts has occurred, I will contact you by writing, calling or e-mailing you at:
Heritage Bank
695 Marion Blvd, Marion, Iowa 52302
319-373-5400

4. Business Accounts
If I have a business account I am liable for all transactions that occur on the account. As the owner of the business account I authorize all transactions made by any other persons. As the owner of the business account I agree to be liable for any other parties designated (by being given the PIN or Password) to conduct business on the account(s).

5. Multiple Accounts
For multiple accounts, each person on a multiple party account will be liable for all transactions that are made on that account. Each person on a multiple party account authorizes all transactions made by any other signer(s) on the account(s). Each owner(s) on a multiple party account(s) agrees to be liable for the actions of the other owner(s) on the account. The limitations of liability set forth in this Agreement are subject to, and limited by any state or federal law to the contrary.

6. Bill Pay Service
To use the Bill Payment Service, you must complete the Bill Pay enrollment form at Heritage Bank or enroll online. You must designate a checking or money market deposit account with us as your Bill Payment Account. However, we recommend against using a money market deposit account for your Bill Payment Account because of the limits on transfers from a money market deposit account, which are discussed below. Heritage Bank is not liable for incorrect source account selection by the customer.

When you schedule a bill payment using the Bill Payment Service, you authorize us to withdraw the necessary funds from your Bill Payment Account with us. We may refuse to act on your instruction if sufficient funds, including funds available under any applicable overdraft plan, are not available in your Bill Payment Account on the date of payment. You are responsible for any non-sufficient funds (“NSF”) and overdraft charges that may apply.

Heritage Bank will process variable payments on the business day (generally Monday through Friday, except holidays) you designate the bill is to be processed, provided the payment request is received prior to the cut-off time set by Heritage Bank, which is currently 8:00 p.m. CST. Variable bill request received after the business day cut-off time, or at any time on a non-business day will be processed on the next business day. Heritage Bank reserves its right to change the cut-off time by giving you notice if it changes. FOR RECURRING PAYMENT REQUESTS, IF YOU DESIGNATE A PROCESSING DATE OF THE 28TH THROUGH THE 31ST OF A MONTH, PROCESSING WILL BE INITIATED ON THE LAST CALENDAR DAY OF THE MONTH. Otherwise, recurring payment request will be processed on the dates you have designated, unless such date falls on a non-business day resulting in your payment being processed the next business day.

YOU MUST ALLOW AT LEAST SEVEN (7) BUSINESS DAYS FOR EACH BILL PAYMENT (RECURRING OR VARIABLE) TO REACH THE MERCHANT. (IT IS THE RESPONSIBILITY OF THE SUBSCRIBER TO SCHEDULE/ACTIVATE RECURRING PAYMENTS)

Please note that if you do not schedule or process a payment in your Heritage Bank Bill Pay account for any six-month period, Heritage Bank reserves the right to disconnect your service. Please note that your online bill payment information will be lost if you are disconnected.

7. Charges
I agree to pay the charges or transaction fees which are charged by you for these services or for services which may later be offered as such fees or charges may be imposed or changed from time to time. Further, I agree to pay all telephone charges or fees incurred by me in accessing Internet Banking Services.

Bill Pay Services are free to all customers with personal checking accounts. Fees are subject to change.

8. Amendment of this Agreement
Heritage Bank has the right to modify or terminate this Agreement or the Deposit Account Terms and Conditions at any time. When making changes, Heritage Bank will comply with all legal notice requirements. Once this Agreement is terminated Heritage Bank will not allow any additional transactions on the account, nor will additional Internet Banking Services be permitted. If this Agreement is modified, my continued use of the Account will represent my acceptance of the changes.

9. Disclosure
I hereby acknowledge that I reviewed the Internet Banking Disclosure & Agreement, informing me of my rights under the Electronic Funds Transfer Act.

Internet Banking Disclosure Statement.
The purpose of this Disclosure Statement is to inform you of certain rights that you have under the Electronic Funds Transfer Act.

Please Note: In this statement, the words "you" and "your" each refer to the person who uses or is authorized to use Internet Banking services. The words "we", "our" and "us" refer to The Heritage Bank.

1. Internet Banking Services
You may access our Internet Banking service using the personal Login Codes that we issue to you and conduct the following transactions:

Transfer funds between:

    • Checking account(s)
    • Savings account(s)

Make payments to:

    • Loans
    • Check Lines

Obtain the available balance(s) in:

    • Checking account(s)
    • Savings account(s)
    • Loans
    • Certificates of Deposit/IRAs

Obtain the current balance(s) in:

    • Checking account(s)
    • Savings account(s)
    • Loans
    • Certificates of Deposit/IRAs

Obtain transaction history from:
 
    • Checking account(s)
    • Savings account(s)
    • Loans
    • Certificates of Deposit/IRAs

View images of selected transactions from:

    • Checking account(s)
    • Savings account(s)

Bill Payment Transactions

2. Banking Services
Our Internet Banking Service is available 24 hours a day, 7 days a week. However, we only process transactions and update information on business days.

Our Internet Banking transfer business days are Monday through Friday, 8:00 p.m. CST. Transfers made on weekends, holidays, scheduled in advance or after 8:00 p.m. CST, will be processed on the next business day
.
Our Bill Pay Service days are Monday through Friday, until 8:00 p.m. CST. Transfers made on the weekends, holidays, scheduled in advance or after 8:00 pm CST, will be processed on the next business day.

3. Identification Number and Password
Access to Internet Banking may be made by personal computer. Access requires the use of a unique Login and Personal Identification Number (collectively, the "Login Codes") assigned by us. Your use of Internet Banking with the Login Code authorized by us will be deemed by us to be valid and authentic, and you agree that any communications to us under your Login Code will be given the same legal effect as written and signed paper communications. You agree that electronic copies of communications are valid and you will not contest the validity of the originals, absent proof of altered data or tampering.

4. Lost or Stolen Login Codes
If you believe your Password or other means of access have been lost or stolen or that someone has used them without your authorization, immediately change your Internet Banking Password. This is done by accessing the Change Password option. To change the Access ID you will have to contact us immediately by writing, calling or E-mailing us at
Heritage Bank
695 Marion Blvd, Marion, Iowa 52302
319-373-5400

Include in the message your name, address, telephone number and a brief description of the problem. All E-mail requests will be answered by close of the next business day.

5. Charges for Transactions
 
Bill Pay Services are free to all customers with personal checking accounts. Fees are subject to change.

We reserve the right to change our fee schedule from time to time and to charge your account, in accordance with the fee schedule that will be provided to you, prior to assessment.

6. Record of Transaction
You will receive a monthly statement showing the status of your account(s), transactions made during the past month, and any charges, which we may impose for such services or transactions.

7. Liability for Unauthorized Transfers/Transactions
CONTACT THE BANK IMMEDIATELY if you believe your Login Codes have been lost or stolen. Change your password and contact us.

If you notify us of a loss, your liability for unauthorized transfers or payments will be as follows:

If you contact us within two business days of the loss or your discovery of the loss, you can lose no more than $50.00 if someone used your Login Codes without your permission.

If someone used your Login Codes without your permission, you could lose as much as $500 if you do not contact us within two business days after you learn of the loss and we can prove that we could have prevented the loss if you had contacted us.

If your monthly statement shows transfers or payments that you did not make and you do not contact us within 60 days after the statement was mailed to you, you may not get back any funds lost after the 60 days, if we can prove that your contacting us would have prevented those losses.

8. Your Liability
You agree to the terms of this Internet Banking Disclosure and the schedule of fees that may be imposed. You authorize us to deduct these fees as accrued directly from your account balance. You are liable for all transactions that you authorize. If you have given someone your Internet Banking Login Codes or other means of access and want to terminate that person's authority you must change your identification number and password and make the Bank aware of your intentions in writing. At any time, you may ask us to disable your Access ID or Password and issue you a new one.

9. Account Restrictions
Your name must appear in the legal title to make transfers between accounts. You may not transfer between accounts with legal or signature restrictions. However, an account(s) may be viewed if you are an authorized signer on the account(s).

10. Limits on Internet Banking Transactions
All transactions performed through our Internet Banking Service will be considered a Pre-authorized Electronic Funds Transfer.

11. Our Liability for Failure to Complete Payments or Transfers
If we fail to complete a transaction on time or in the correct amount, when properly instructed by you, we will be liable for damages caused by our failure unless:
The account has been closed or is not in good standing.

Your equipment or ours was not working properly and the breakdown should have been apparent to you when you attempted to conduct the transaction.

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.

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.
 
You do not instruct us soon enough for your payment or transfer to be received and credited by the time it's due.

The funds in the account from which a payment or transfer is to be made is subject to legal process or other claims restrict the transaction.

Circumstances or persons beyond our control prevent, delay, intercept or alter the transaction, despite reasonable precautions that we have taken.

There are insufficient funds in your account to complete the transaction.

We have reason to believe that the transaction requested is unauthorized.

The failure was caused by an act of God, fire, or other catastrophe, or by an electrical or computer failure or by other causes beyond our control.

In any case, we shall only be liable for actual proven damages if the failure to make the transactions resulted from a bona fide error despite our procedures to avoid such error.
 
12. Change of Terms
We reserve the right to amend or terminate the services offered from time to time and we will notify you a minimum of 30 days prior to any change by written notice to your last known address.

13. Waiver of Agreement
Any waiver of any term of this Agreement by us on occasion will not prevent us from asserting our rights to these terms in the future.

14. Termination
We will disclose information about your account or the transactions you make to third parties:
Where it is necessary to complete transactions.

To verify the existence and standing of your account with us upon the request of a third party, such as a credit bureau.

In accordance with your written permission.

In order to comply with court orders or government or administrative agency summonses, subpoenas, orders, examinations and escheat reports.

And/or on receipt of certification from a federal agency or department that a request for information is in compliance with the Right to Financial Privacy Act of 1978.

15. Our Policy and Pricing Guide and Terms and Conditions on Deposit Accounts are available at our banking office upon request.
 
16. In Case of Errors or Questions About Your Electronic Transfers. Telephone us or e-mail us at the number or e-mail listed above as soon as possible, if you think you statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the error or problem appeared. You should:
    (1) Tell us your name and account number (if any). If using e-mail, please only give the last three digits of you account number for security reason.

    (2) Describe the error or transfer in question, and explain as clearly as you can why you believe it is an error or why you need additional information.

    (3) Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (20 business days if the error involves an EFT made during the first thirty (30) days after the first deposit to the account was made) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved an EFT made during the first thirty (30) days after the first deposit to the account was made) to investigate your complaint or question. If we decide to do this we will credit your account within 10 business days (20 business days if the error involves an EFT made during the first thirty (30) days after the first deposit to the account was made) for the amount you think is in error, so that you will have the use of money during the time it takes us to complete our investigation. If we ask you to put your compliant or question in writing and we do not receive it within 10 business days, we may not credit your account.

We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

17. Right to Stop Payment and Procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how:

Call or write us at the telephone number or address listed in this disclosure in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.

Before agreeing, please Print This Page for your records
By submitting this agreement, I acknowledge that I have read and unequivocally accept these terms. This agreement as written is the sole, exclusive and final agreement between the two parties.
 
*Please note that it will take 3-5 business days to receive your information in the mail after enrolling. If you would like to have your account set up immediately, please call us at 1-319-373-5400.

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