This Agreement is a contract that establishes the rules that cover your Internet access to your accounts at Piscataqua Savings Bank (PSB) through the Piscataqua e-bank. By using Piscataqua e-bank, you accept all the terms and conditions of this Agreement. Please read it carefully.
The terms and conditions of the deposit agreements and disclosures for each of your PSB deposit accounts, as well as your other agreements with PSB, such as loans, continue to apply notwithstanding anything to the contrary in this Agreement.
This Agreement is also subject to applicable federal laws and the laws of the State of New Hampshire. If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. Any waiver by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or subsequent default or breach. You may not assign this Agreement.
As used in this Agreement, the words "we", "our", "us" mean PSB. "You" and "your" refer to the accountholder authorized to use Piscataqua e-bank under this Agreement. "Account" or "accounts" means your accounts at PSB. "Electronic funds transfers" means ATM withdrawals, pre-authorized transactions, and point of sale transactions, transfers to and from your PSB accounts using the Piscataqua e-bank, including bill payments. "Business days" mean Monday through Friday. Holidays are not included. "Primary NOW Checking Account" – The NOW Checking Account from which all Piscataqua e-bank related charges are deducted.
To use Piscataqua e-bank, you must have at least one account at PSB, access to Internet service, and an e-mail address. If you agree to this agreement, select the "Yes, I agree and apply now" link below to complete the first time log in questionnaire. Piscataqua e-bank can be used to access only the PSB deposit or loan accounts on which you have been designated as an account owner.
You can use the Piscataqua e-bank to check the balance of your PSB deposit and loan accounts, view account histories, transfer funds between PSB accounts on which you are an account owner, and view statements.
You will be able to pay bills from your Piscataqua NOW Checking Account on which you are an account owner, in the amounts and on the dates you request.
Hours of Access
You can use the Piscataqua e-bank seven days a week, twenty-four hours a day; however, some or all services may not be available occasionally due to emergency or scheduled system maintenance.
For security purposes, you are required to change your Password upon your initial login to the Piscataqua e-bank. You determine what Password you will use.
The identity of your Password is not communicated to us. You agree that we are authorized to act on instructions received under your Password. You accept responsibility for the confidentiality and security of your Password and agree to change your Password regularly. You should not disclose your Username or Password to anyone. If you share your Password with anyone, they will have all access rights to, and if applicable, ability to pay bills from all accounts at PSB owned by you, either individually or jointly.
Your Password must contain at least 8 and no more than 15 characters with at least one alphabetical and one numerical (please note that the Password is case sensitive). We recommend that your Password should not be associated with any commonly known personal identification, such as Social Security numbers, address, date of birth, and names of children. Your Password should be memorized rather than written down. Upon five (5) unsuccessful attempts to use your Password, your access will be revoked. To re-establish your authorization to use the Piscataqua e-bank, you must contact us to have your Password reset or to obtain a new temporary Password.
You understand the importance of your role in preventing misuse of your accounts through Piscataqua e-bank and you agree to promptly examine your paper/electronic statement for each of your accounts as soon as you receive it. You agree to protect the confidentiality of your Password and Username. Your Password and Username are intended to provide security against unauthorized entry and access to your accounts. Data transferred via Piscataqua e-bank is encrypted in an effort to provide transmission security and utilizes identification technology to verify that the sender and receiver of transmissions can be appropriately identified by each other. Notwithstanding our efforts to insure that the Piscataqua e-bank system is secure, you acknowledge that all data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others. We cannot and do not warrant that all data transfers utilizing Piscataqua e-bank, or e-mail transmitted to and from us, will not be monitored or read by others. e-mail is not encrypted and is not secure. Never send specific account information via e-mail.
Fees and Charges
You agree to pay any additional reasonable charges for services you request that are not covered by this Agreement. You are also responsible for telephone and Internet service fees you incur in connection with your use of Piscataqua e-bank.
Posting of Transfers
Transfers initiated through Piscataqua e-bank before 7:30 p.m. (Eastern Time) on a business day are posted to your account the same day. Transfers completed after 5:00 p.m. (Eastern Time) on a business day; or on a Saturday, Sunday or banking holiday may be posted on the next business day.
Overdrafts (Posting Priority of Payments, Transfers, and other Withdrawals)
If your account has insufficient funds to perform electronic fund transfers you have requested for a given business day, then:
- Electronic funds transfers involving currency disbursements, like ATM withdrawals, will have priority.
- Electronic fund transfers initiated through Piscataqua e-bank, which would result in an overdraft of your account, may, at our discretion, be cancelled or reversed.
- In the event the electronic fund transfers initiated through Piscataqua e-bank, which would result in an overdraft of your account, are not cancelled, overdraft charges may be assessed pursuant to the terms of the deposit agreement for that account.
Limits on Amounts and Frequency of Piscataqua e-bank Transactions
The number of transfers from PSB accounts and the amounts which may be transferred are limited pursuant to the terms of the applicable deposit agreement and disclosure for those accounts. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires. Transfers from a savings or money market deposit account requested via computer count toward the 6 transfers per cycle limit required by Federal Regulation D.
You will not receive a separate Piscataqua e-bank statement. Transfers to and from your accounts using Piscataqua e-bank will appear on the respective periodic paper/electronic statements for your accounts.
Change in Terms
We may change any term of this Agreement at any time. If the change would result in increased fees for any Piscataqua e-bank service, increased liability for you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice at least 30 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer system. We will post any required notice of the change in terms on the Piscataqua e-bank website or forward it to you by e-mail or by postal mail. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic fund transfer system, we will notify you of the change in terms within 30 days after the change becomes effective. Your continued use of any or all of the subject Piscataqua e-bank services indicates your acceptance of the change in terms. We reserve the right to waive, reduce, or reverse charges or fees in individual situations. You acknowledge and agree that changes to fees applicable to specific accounts are governed by the applicable deposit agreements and disclosures.
Disclaimer of Warranty and Limitation of Liability
We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the Piscataqua e-bank services provided to you under this Agreement. We do not and cannot warrant that Piscataqua e-bank will operate without errors, or that any or all Piscataqua e-bank services will be available and operational at all times. Except as specifically provided in this Agreement, or otherwise required by law, you agree that our Officers, Trustees, Employees, Agents or Contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products provided under this Agreement or by reason of your use of or access to Piscataqua e-bank, including: loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty. Further, in no event shall the liability of Piscataqua Savings Bank exceed the amounts paid by you for the services provided to you through Piscataqua e-bank.
We recommend that you do not "save" your password at the sign-in screen for future sessions. This could jeopardize the security of your account access. If you choose to "save" your password, you agree to accept any security risk associated with this.
Consumer Liability for Unauthorized Transactions
Tell us immediately if you believe your Password has been lost or stolen. If you tell us within two (2) business days, you can lose no more than FIFTY DOLLARS ($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 or theft of your Username and Password, and we can prove that we could have stopped someone from using your Username and Password without your permission if you had told us, you could lose as much as FIVE HUNDRED DOLLARS ($500.00). Also, 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 you lost if we can prove that we could have stopped someone from taking the money if you had told us in time. We are liable only for losses in excess of the limits stated. Please see our Regulation E, Electronic Funds Transfer Disclosure for complete information.
Your Right to Terminate
You may cancel your Piscataqua e-bank service at any time by providing us with written notice by postal mail or fax. Your access to Piscataqua e-bank will be suspended within 3 business days of our receipt of your instructions to cancel the service. You will remain responsible for all outstanding fees and charges incurred prior to the date of cancellation. We recommend that you cancel all bill payments that you have scheduled to avoid any duplication of future payments.
Our Right to Terminate
You agree that we can terminate or limit your access to Piscataqua e-bank services for any of the following reasons:
- Without prior notice, if you have insufficient funds in any one of your PSB accounts. Piscataqua e-bank service may be reinstated, at our sole discretion, once sufficient funds are available to cover any fees, pending transfers, and debits.
- Upon 3 business days notice, if you do not contact us to designate a new Primary NOW Checking Account immediately after you close your Primary NOW Checking Account.
- Upon reasonable notice, for any other reason at our sole discretion.
Communications between Piscataqua Savings Bank and You Unless this Agreement provides otherwise, you can communicate with us in any one of the following ways:
E-Mail: You can contact us by e-mail at: email@example.com.
e-mail is sent through your own e-mail software. These transmissions are a way to communicate, but are not secure. Therefore, you should not include specific account information such as account numbers, or balances in your e-mail. PSB will not reply to any e-mail with any specific account information.
Telephone: (603) 436-5250 or (800)-286-5254.
Facsimile: (603) 436-5540
Postal Mail: You can write to us at:
Piscataqua Savings Bank
P.O. Box 568
Portsmouth, New Hampshire 03802-0568
In Person: You may visit us in person at 15 Pleasant Street, Portsmouth, NH.
Consent to Electronic Delivery of Notices
You agree that any notice or other type of communication provided to you pursuant to the terms of this Agreement, and any future disclosures required by law, including Electronic Funds Transfer disclosures, may be made electronically by posting the notice on the Piscataqua Savings Bank website or by e-mail. You agree to notify us immediately of any change in your e-mail address.
By clicking the "Yes, I Agree" link below, you are agreeing to all the On-Line Access Agreements stated above.
A separate application must be completed for each individual who requests a unique password.