Internet Banking Application
Account Holder Information
The following section allows you to identify the accounts to which you
desire access through the Internet. Please supply the type of account and
the account number. Federal Regulations allow only six (6) transfers or
withdrawals per calendar month from savings accounts.
Accounts to add to Internet Banking
OEL = Ready Cash Reserve or Equity Line or Credit (Payments "into"
DDA = Checking (Transfers "In" or "Out" allowed)
SAV = Savings (Transfers "In" or "Out" allowed)
CDA = Certificates of Deposit ("In" transfers allowed only on 12 & 18
ILA = All other loan Types (Payments
Internet Banking Agreement / Disclosure
This Internet Banking Agreement and Disclosure ("the Agreement")
explains the terms and conditions governing basic Internet banking
services and bill pay services offered by Cornerstone National Bank
(collectively "Internet banking services"). By using any of the Internet
banking services, you agree to abide by the terms and conditions of this
The terms "we", "us", "our", and "Financial
refer to Cornerstone National Bank. "You" refers to each person who enrolls
for Internet banking services and has a password. The term "business days"
means Monday through Friday, excluding Saturday, Sunday and Financial
Your Internet banking services and each of your accounts are also governed
by the applicable Disclosures, Rates, and Fee Schedules provided by
Financial Institution in your new account packet as each may be modified
from time to time. Collectively, "Cornerstone National Bank" documents.
You are responsible for paying any fees associated with Internet banking
and bill payment as outlined by "Cornerstone National Bank" as well as any
additional fees that may be assessed by your Internet Service Provider and
for any telephone charges or fees incurred by accessing Internet banking
Your initial use of Internet banking services constitutes your acceptance
and agreement to be bound by all of the terms and conditions of this
Agreement and by "Cornerstone National Bank", and acknowledges your
receipt and understanding of this agreement.
Financial Institution is entitled to act on instructions received through
Internet banking under your password and without inquiring into the
identity of the person using that password. However, do not, under any
circumstances, disclose your password by telephone or to any one claiming
to represent Financial Institution; Financial Institutionís employees do
not need and should not ask for your password. You are liable for all
transactions made or authorized using your password. Financial Institution
has no responsibility for establishing the identity of any person using
your password. If, despite Financial Institutionís advice, you give your
password to anyone, you do so at your own risk since anyone to whom you
give your Internet banking password or other means of access will have
full access to your accounts even if you attempt to limit that personís
authority. You must notify Financial Institution that your password has
been lost, stolen or otherwise compromised and should not be honored and
must be disabled.
If two people hold a joint checking account, then there are two ways to
enroll for Internet banking services. Both account holders may enroll
separately and each will have his/her own password, and his/her own
separate Internet banking Agreement. Each such joint account holder is
subject to separate Internet banking Service fees as applicable.
Alternatively, one holder of a joint account can enroll for Internet
banking Services with one password issued and be subject to fees for one
person. You are liable for all transactions that you, or if you are using
a joint Bill Payment Account, any of you, make or authorize even if the
person you authorize exceeds your authority. You hereby release Financial
Institution from any liability and agree not to make any claim or bring
any action against us for honoring or allowing any actions or transactions
where you have authorized the person performing the action or transaction
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 owners
of the account. You agree to indemnify Financial Institution and hold it
harmless from and against any and all liability (including but not limited
to reasonable attorney fees) arising from any such claims or actions.
Financial Institution 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 Internet banking transfers or bill payments will be made,
including but not limited to any payments or transfers scheduled in
advance or any pre-authorized recurring payments or transfers. If we
modify this Agreement your continued use of Internet banking Services will
constitute your acceptance of such changes in each instance.
Persons listed on a profile will only be able to access accounts for which
they are designated as an owner. If you wish to access information on an
individual account, you must have an individual profile. Persons with
individual accounts may also access joint accounts for which they are an
owner through an individual profile. However, persons listed on a joint
profile will only be able to access accounts on which all parties to the
profile are also listed as account owners.
By signing this agreement, I acknowledge that I have read and accept the
Electronic Disclosures as provided on this web site.
I would like a copy of this agreement and the disclosures to be mailed to
* All authorized owners on all accounts must sign this agreement.
Please note that applications submitted will not be
processed until we have verified your information and identity by having
you visit one of our Cornerstone National Bank offices. A Customer Service
Representative will contact you within 2 business days of your request.