Please read the following Security and Privacy statement before proceeding.
Community Bank employs the latest in Internet Security and user Authentication to ensure that data being transmitted throughout the Internet Banking System is secure from unauthorized access. The methods are outlined below.
DIGITAL ID’S FROM VERISIGN
Community Bank’s Internet Banking system uses digital ID’s certified by VeriSign, and industry leader in digital identification certificates, to authenticate user information and provide access to the data through the system.
HOW DO DIGITAL ID’S WORK?
Digital ID’s work off of a matched key setup where the server has a “private” key issued only to the server and a “public” key widely distributed to the bank’s customers. A digital ID requires a matched pair of keys that are unique to each other to encrypt and decrypt data. With this setup, transactions created, encrypted, and transmitted by bank customers using the public key can only be decrypted by the other key in the pair running on the server.
SECURED DATA TRANSMISSION
The Internet Banking System combined with digital ID authentication through VeriSign allow the server to implement Secure Sockets Layer (SSL) protocol, the standard technology for secure web-based communications. With SSL, data traveling between the bank and customer is encrypted and can only be decrypted through the pairing of the public and private key pair. SSL capability is built into server hardware and browsers, but requires a digital ID to be functional.
Server access is protected using a firewall computer and the leading firewall software, CheckPoint’s Firewall-1. Firewall computers provide secure access to the web server and Checkpoint’s software by only allowing authorized traffic to hit the Server.
By combining the latest technology with authenticated address to the web server, Community Bank makes your Internet Banking transactions secure.
Community Bank does not collect identification information from users visiting this web site or using our Internet Banking system. However, we do collect usage information to determine frequency and duration of access to this site. In addition, the Internet Banking System tracks the number of transactions entered by customers. All of this information is used to create summary statistics for our site and to help the bank determine better ways to service our customer’s needs.
Information submitted to the bank through e-mail or through the submission of applications is used internally to process requests and respond to customer e-mail. This information is not distributed or sold to other organizations.
INTERNET BANKING AGREEMENT AND DISCLOSURE
This Agreement and Disclosure sets forth your and our rights and responsibilities concerning the use of our Internet Banking Product. In this agreement the words 'you" and “your" mean those who sign as applicants or any authorized user(s). The words "we," "us" and "our" mean Community Bank of Parkersburg. By using Internet Banking, you agree to all of the terms of this agreement.
Internet Banking Features -You may access your account information by using a specific Internet User ID and password assigned to you. At the present time you may use the system to
General Internet Banking
Cash Management Features (Commercial customers only)
FEES AND CHARGES
LIMITATIONS ON FREQUENCY AND AMOUNT -According to Federal Regulations you may not take more than six (6) preauthorized or automatic transfers from your money market account or savings accounts during a given monthly statement period. There are no limits on the number or dollar amount of transfers or payments you make from your checking account. Balances shown online are as of close of business for the prior day. Balances may include deposits subject to verification by us. The balance may also differ from your records due to deposits in process, outstanding checks or other withdrawals, payments or charges. We have the right to cancel transactions if sufficient funds are not available in your account.
USER ID AND PASSWORD -The User ID and password issued to you is for your security purposes. Your password is confidential and should not be disclosed to third parties. You are responsible for safekeeping your password. You may change your password at any time by clicking on "Settings." You should carefully select a password that is hard to guess. (We suggest that you stay away from names, dates, and information that may be easily guessed.) You agree not to disclose or otherwise make your password available to anyone not authorized to sign on your accounts.
In order to ensure the security of your records, we will end your online session if we have detected no activity for 15 minutes. This is to protect you in case you accidentally leave your computer unattended while you are logged on. When you return to your computer, simply re-enter your User ID and password and continue your session.
NO SIGNATURE REQUIREMENT -When any payment or other on-line service generates items to be charged to your account, you agree that we may debit the designated account without requiring your signature on the item and without any notice to you.
NOTICE OF LIABILITY -Tell us AT ONCE if you believe your password has been lost or stolen. 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 you tell us within two (2) business days, you can lose no more than $50.00 if someone used your password without your permission. If you do NOT tell us within two (2) business days after you learn of the loss, and we can prove that we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500.00.
If your statement shows transactions that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money 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 hospital stay) kept you from telling us, we will extend the time period. If you believe that your password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write Community Bank.
BUSINESS DAYS -Our business days are Monday through Friday. Holidays are not included.
CUTOFF TIMES. The following cutoff times pertain to specific Internet Banking features. Transactions received after the cutoff time will be posted the following business day.
Funds Transfers -4:00 pm
Bill Payments -12:00 pm. To ensure that payment is properly credited to your account prior to the payment due date, please allow at least (5) business days
from the date payment is submitted for your payment to reach your merchant or vendor.
Stop Payments -4:00 pm
Cash Management -Determined per individual proposal
Periodic Statement -You will get a monthly account statement from us on your checking or savings account.
Confirmation or Receipt -A confirmation or receipt will be displayed at the time you make a transfer, submit a bill payment, initiate cash management transactions, or submit instructions for stop payments or check orders. This confirmation or receipt should be printed and kept for your records.
OUR LIABILITY FOR INCOMPLETE TRANSACTIONS -If we do not complete a transaction to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance:
IN CASE OF ERRORS OR QUESTIONS -Call us at (304) 485-7991 or write us at Community Bank of Parkersburg, P.O. Box 988, Parkersburg, WV 26102 as soon as you can if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than (60) days after we send the FIRST statement on which the problem or error appeared.
If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.
We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will re-credit your account within ten (10) business days for the amount you think is in error, so that you have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint in writing and we do not receive it within (10) business days, we may not re-credit your account.
If we decide that there was no error, we will send you a written explanation of our findings within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. If a notice or error involves an electronic funds transfer that was initiated in a foreign location, the applicable time period for action shall be twenty (20) business days in place of ten (10) business days, and ninety (90) calendar days in place of forty five (45) calendar days.
CONFIDENTIALITY -We will disclose information to third parties about your account or the transaction you make:
VIRUS PROTECTION -The Bank is not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their PC and diskettes using a reliable virus product to detect and remove any viruses. Undetected or unrepaired viruses may corrupt and destroy your programs, files and even your hardware. Additionally, you may unintentionally transmit the virus to other computers.
NOTICES -All notices from us will be effective when we have mailed them or delivered them to your last known address on our records. Notices from you will be effective when received by us at the telephone number or the address specified in the agreement. We reserve the right to change the terms and conditions upon which this service is offered. We will mail notice to you at least twenty-one (21) days before the effective date of any change, as required by law. Use of this service is subject to existing regulations governing your account and any future changes to those regulations.
ENFORCEMENT -In the event either party brings a legal action to:
. Enforce this agreement, or
. Collect amounts owed as a result of any account transaction
The prevailing party shall be entitled to reasonable attorney's fees and costs, including fees on any appeal, subject to any limits under applicable law.
TERMINATION -You agree that we may terminate this agreement if:
Termination of service will be effective the first business day following receipt of your written notice. Termination of the Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination.
631 Juliana Street Parkersburg, WV 26101
3906 Emerson Avenue Parkersburg, WV 26104
2400 Grand Central Avenue Vienna, WV 26105
1620 Blizzard Drive Parkersburg, WV 26101