Terms & Conditions

This Agreement contains the terms and conditions for the use of Decatur County Bank and West Tennessee Bank’s (“DCB”, “us,” or “we”) Mobile Check Deposit and/or other remote deposit capture services that we or our affiliates may provide to you (“you,” or “User”). Other agreements you have entered into with DCB, including the Deposit Account Terms and Conditions Agreement, Electronic Funds Transfer Agreement and other Disclosures governing your DCB account, are incorporated by reference and made a part of this Agreement.

1. Services. The mobile check deposit services (“Services”) are designed to allow you to make deposits to your checking, savings, or money market savings accounts and loan payments from your smartphone by taking a picture of the check(s) and delivering the images and associated deposit/payment information to DCB or DCB’s designated processor. There is currently no charge for the Services. You may be charged access fees by your cell phone provider based on your individual plan. Web access is required to use this service. Check with your cell phone provider for details on specific fees and charges.

2. Acceptance of these Terms. Your use of the Services constitutes your acceptance of this Agreement. This Agreement is subject to change from time to time. We will notify you of any material change via email or on our website(s) by providing a link to the revised Agreement. Your continued use of the Services after any such change will indicate your acceptance of the revised Agreement. Further, DCB reserves the right, in its sole discretion, to change, modify, add, or remove portions from the Services. Your continued use of the Services will indicate your acceptance of any such changes to the Services.

3. Limitations of Service. When using the Services, you may experience technical or other difficulties. We cannot assume responsibility for any technical or other difficulties or any resulting damages that you may incur. Some of the Services have qualification requirements, and we reserve the right to change the qualifications at any time without prior notice. We reserve the right to change, suspend or discontinue the Services, in whole or in part, or your use of the Services, in whole or in part, immediately and at any time without prior notice to you.

4. Eligible items. You agree to deposit only checks as that term is defined in Federal Reserve Regulation CC (“Reg CC”). You agree that the image of the check transmitted to DCB shall be deemed an “item” within the meaning of Article 4 of the Uniform Commercial Code as adopted in Tennessee. You agree that you will not use the Services to deposit any checks or other items as shown below:
a.Checks or items payable to any person or entity other than you.
b.Checks or items drawn or otherwise issued by you or any other person on any of your accounts or any account on which you are an authorized signer or joint account holder.
c. Checks or items containing obvious alteration to any of the fields on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn.
d. Checks or items previously converted to a substitute check, as defined in Reg CC.
e. Checks or items drawn on a financial institution located outside the United States.
f. Checks or items that are remotely created checks, as defined in Reg CC.
g. Checks or items not payable in United States currency.
h. Checks or items dated more than 6 months prior to the date of deposit.
i.Checks or items prohibited by DCB’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your DCB account.

5.Image Quality. The image of an item transmitted to DCB using the Services must be legible. The image quality of the items must comply with the requirements established from time to time by ANSI, the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearing house or association

6. Endorsements and Procedures. You agree to restrictively endorse any item transmitted through the Services as “For Mobile Deposit, DCB Account #_” or as otherwise instructed by DCB. You agree to follow any and all other procedures and instructions for use of the Services as DCB may establish from time to time.

7. Receipt of Items. We reserve the right to reject any item transmitted through the Services, at our discretion, without liability to you. We are not responsible for items we do not receive or for images that are dropped during transmission. An image of an item shall be deemed received when you receive a confirmation from DCB that we have received the image. Receipt of such confirmation does not mean that the transmission was error free or complete.

8. Availability of Funds. Funds deposited using the Services will be available after DCB receives payment for the funds submitted and in accordance with DCB’s funds availability policy. D C B may make such funds available sooner based on such factors as credit worthiness, the length and extent of your relationship with us, transaction and experience information, and such other factors as DCB, in its sole discretion, deems relevant.

9. Disposal of Transmitted Items. Upon your receipt of a confirmation from DCB that we have received the image of an item, you agree to prominently mark the item as “Electronically Presented” or “VOID” and to properly dispose of the item to ensure that it is not represented for payment. And, you agree never to represent the item. You will promptly provide any retained item, or a sufficient copy of the front and back of the item, to DCB as requested to aid in the clearing and collection process, to resolve claims by third parties with respect to any item, or for DCB’s audit purposes.

10. Deposit Limits. We reserve the right to impose limits on the amount(s) and/or number of deposits that you transmit using the Services and to modify such limits from time to time.

11. Hardware and Software. In order to use the Services, you must obtain and maintain, at your expense, compatible hardware and software as specified by DCB from time to time. See decaturcountybank.com for current hardware and software specifications. DCB is not responsible for any third party software you may need to use the Services. Any such software is accepted by you as is and is subject to the terms and conditions of the software agreement you enter into directly with the third party software provider at time of download and installation.

12. Errors. You agree to notify DCB of any suspected errors regarding items deposited through the Services right away, and in no event later than 60 days after the applicable DCB account statement is sent. Unless you notify DCB within 60 days, such statement regarding all deposits made through the Services shall be deemed correct, and you are prohibited from bringing a claim against DCB for such alleged error.

13. Presentment. The manner in which the items are cleared, presented for payment, and collected shall be in DCB’s sole discretion subject to the Deposit Account Terms & Conditions Agreement and Disclosures governing your account.

14.Ownership & License. You agree that DCB retains all ownership and proprietary rights in the Services, associated content, technology, and website(s). Your use of the Services is subject to and conditioned upon your complete compliance with this Agreement. Without limiting the effect of the foregoing, any breach of this Agreement immediately terminates your right to use the Services. Without limiting the restriction of the foregoing, you may not use the Services (i) in any anti- competitive manner, (ii) for any purpose which would be contrary to DCB’s business interest, or (iii) to DCB’s actual or potential economic disadvantage in any aspect. You may use the Services only for conducting business or personal transactions with DCB in accordance with this Agreement. You may not use the Services for your business purposes. Any unauthorized use of the Services may result in the termination of use of the Services and additional penalties as allowed by law. You may not copy, reproduce, distribute or create derivative works from the content and agree not to reverse engineer or reverse compile any of the technology used to provide the Services.

15. DISCLAIMER OF WARRANTIES. YOU AGREE YOUR USE OF THE SERVICES AND ALL INFORMATION AND CONTENT (INCLUDING THAT OF THIRD PARTIES) IS AT YOUR RISK AND IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE USE OF THE SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANT ABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WE MAKE NO WARRANTY THAT THE SERVICES (i) WILL MEET YOUR REQUIREMENTS, (ii) WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE SERVICE WILL BE ACCURATE OR RELIABLE, AND (iv) ANY ERRORS IN THE SERVICES OR TECHNOLOGY WILL BE CORRECTED.

16. LIMITATION OF LIABILITY. YOU AGREE THAT WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER LOSSES RESULTING FROM THE USE OR THE INABILITY TO USE THE SERVICES INCURRED BY YOU OR ANY THIRD PARTY ARISING FROM OR RELATED TO THE USE OF, INABILITY TO USE, OR THE TERMINATION OF THE USE OF THIS SERVICES, REGARDLESS OF THE FORM OF ACTION OR CLAIM (WHETHER CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE), EVEN IF DCB HAS BEEN INFORMED OF THE POSSIBILITY THEREOF.

17. User warranties and indemnification. You warrant to DCB that:
a. You will only transmit eligible items.
b. Images will meet the image quality standards.
c. You will not transmit duplicate items.
d. You will not deposit or represent or allow anyone else to deposit or represent the original item.
e. All information you provide to DCB is accurate and true.
f. You will comply with this Agreement and all applicable rules, laws and regulations.
g. You agree to indemnify and hold harmless DCB from any loss for breach of this warranty provision.

18. Other terms. You may not assign this Agreement. This Agreement is entered into in Decaturville, Tennessee, and shall be governed by the laws of the State of Tennessee and of the United States. A determination that any provision of this Agreement is unenforceable or invalid shall not render any other provision of this Agreement unenforceable or invalid.

By accepting this disclosure, you agree to discontinue receiving your monthly paper account or loan statement. If you wish to continue to receive your monthly paper statement along with an eStatement, you must contact Decatur County Bank at (731) 852-2821.

Decatur County Bank is offering eStatements as a way for our customers to receive their monthly account or loan statement online and avoid receiving a paper statement in the mail. You may choose to receive your monthly account statements electronically by opting in to the service and accepting this disclosure. Accepting this disclosure and signing up for eStatements will automatically discontinue your monthly paper statement. You may also choose to continue to receive a paper copy each month (along with eStatements) by notifying Decatur County Bank at (731) 852-2821. Any customer that signs up for eStatements will retain the option to withdraw their consent to the service at any time and return to receiving their monthly statement via mail each month. Consent to receive eStatements applies to demand deposit account statements (checking, savings) and loan statements; no loan records or disclosures will be sent electronically by this service. Once you have consented to receive eStatements, in order to return to paper statements, you must call Decatur County Bank at (731) 852-2821.

In order to receive a timely eStatement, you must keep your information with Decatur County Bank up-to-date. This includes notifying us of any change in your email address. In order to update your contact information, you may use the online banking system under “Profile” or call Decatur County Bank at (731) 852-2821.

If you have consented to receive eStatements but need to request a paper copy of your deposit account statement, you may contact Decatur County Bank directly at (731) 852-2821 to request the copy for a fee of $5.00 per statement copy; there is no fee for a loan statement. Deposit and loan account statements may be printed from the online banking system free of charge. All statements will remain available via online banking for two years.

If you accept this disclosure and consent to receive eStatements, you will receive an email each month alerting you that your monthly statement is available within the online banking system. In order to access your email account to receive the eStatement notification, and to log into the Decatur County Bank online banking application to access your eStatement, you must have a PC or Macintosh computer with a hard drive or printer so that disclosures and statements may be printed or saved. You are required to have a modem or otherwise maintain an internet connection that supports 128-bit encryption, Transport Layered Security (TLS) 1.1 or higher. For the best results, we recommend you utilize the most current version of the following browsers: Google Chrome, Mozilla Firefox, Safari, or Microsoft Edge as your default browser. To view the eStatements, you will need software that allows you to view PDF documents, such as Adobe® Acrobat® Reader™, which is available for download free of charge at https://get.adobe.com/reader/. Please note that we are not responsible for the performance of any third party software or for any damage to your computer or other equipment caused by the installation of any third party software. In addition, Decatur County Bank highly recommends the use of anti-virus software on any computer that you use to access sensitive financial information, but it is not required. If there is a change in the hardware or software requirements needed to access Decatur County Bank eStatements, you will be notified of the change in enough time to comply.

This disclosure will remain available at all times via a link on the Decatur County Bank website (www.decaturcountybank.com) and within the online banking system. By accepting this disclosure, you acknowledge that you have, at a minimum, the hardware and software listed above to be able to receive and retain electronic copies of your monthly account statements (eStatements).

This Online Banking Agreement and Disclosure Statement (Agreement) covers the use of Decatur County Bank’s Online Banking Services and includes certain disclosures for electronic fund transfers. This Agreement is a contract between you and Decatur County Bank, and you should read this Agreement carefully and keep it with your other account records for future reference. This Agreement, in conjunction with your Fee Schedule, the Depository and Loan Disclosures you received at account opening, and any other supplemental disclosures Decatur County Bank provides you from time to time, constitute a contract between you and Decatur County Bank. By using, or allowing others to use the Services, you agree to abide by and be bound by the terms and conditions of this Agreement. The Online Banking Services we are capable of handling are indicated below (although some may not apply to your accounts). Please read this Agreement carefully because it tells you your rights and obligations for use of the Services. When you use our Services or you permit another person to use our Services, you agree to the terms and conditions we have set out in this Agreement and any instructional material that we provide you regarding the Services.

In this Agreement, the words “we”, “us”, and “our” mean Decatur County Bank/West Tennessee Bank. The words “you” and “your” mean each person who establishes an Online Banking Account with us or who uses or is authorized to use an Online Banking ID and password or other means of access we establish or approve. “Access Codes” mean the Online Banking Username and Password we establish or approve. “Bill Pay” means our Online Bill Payment service that allows you to direct payments from an approved checking account to third parties you wish to pay. “Business Day” means Monday through Friday. Holidays are not included. “Eligible Accounts” means any account allowed to be accessed by the Services. “Payee” means one or more third parties that have been selected by you in advance to receive payment through the Services. “Services” means our services that allow you to obtain account information, transfer funds, make payments including our “Bill Pay” services, access accounts, and perform other transactions over the Internet by use of a personal computer and modem and/or other means we authorize or allow.

Our Services are for authorized use by Decatur County Bank/West Tennessee Bank customers only. Attempted unauthorized access is a violation of federal law and will be prosecuted to the full extent of the law. You must have at least one eligible personal deposit, credit, or other account type with us. You may not designate any account that requires more than one signature for withdrawals. You must be the owner of this account (or accounts). Your accounts with us must be in good standing. We undertake no obligation to monitor transactions through the Services to determine that they are made on behalf of the account holder. You are also responsible for any telephone, computer and Internet services fees incurred in connection with your use of the Services.

We may change from time to time the accounts that may be designated as Eligible Accounts. We also reserve the right (i) to refuse to include any account among your Eligible Accounts; or (ii) to allow transactions between or among Eligible Accounts under certain circumstances as provided in this Agreement or as may be required by applicable law.

To access our Services you must use the Username and Password we establish or provide for your Online Banking Account. Upon initial access of the account, you are required to change your Password. For your protection, we recommend that you do not use the same Password for these Services that you use on other bank and non-bank products. You are responsible to protect your Access Codes from unauthorized access. Anyone to whom you provide your Access Codes will have full access to your accounts even if you attempt to limit that person’s authority. You agree not to allow anyone to gain access to the Services or to let anyone know your Access Codes used with the Services. If you save your Access Codes on your computer, you will be liable for any transactions initiated through the Services by use of these Access Codes. It is recommended that you disable or not use the password savings function offered by certain Web browsers. You agree to assume responsibility for all transactions initiated through the Services with your Access Codes, up to the limits allowed by applicable law. Decatur County Bank/West Tennessee Bank will not contact you to request your Access Codes or to verify your Access Codes. As an additional security measure, if you do not log in to the Online Banking System for a period of six months or longer, your password will no longer work and you will have to re-enroll in the Service.

Tell us AT ONCE if you believe your Access Codes have been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account. If you tell us within 2 business days, you can lose no more than $50 if someone used your Access Codes without your permission. (If you believe your Access Codes have been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Access Codes without your permission.) If you do NOT tell us within 2 business days after you learn of the loss or theft of your Access Codes, and we can prove we could have stopped someone from using your Access Codes without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days. If you believe your Access Codes have been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the following telephone number or address: During business hours Monday, Tuesday, Thursday, 8:30 a.m. – 3:00 p.m.; Wednesday, 8:30 a.m. – 12:00 p.m.; Friday 8:30 a.m. – 5:00 p.m. CST call: 731-852-2821 or write us at: Decatur County Bank Attn: Bookkeeping Department, P.O. Box 429 Decaturville, TN 38329.

In case of errors or questions about your electronic transfers, call us at: 731-852-2821 or write us at: Decatur County Bank Attn: Bookkeeping Department, P.O. Box 429 Decaturville, TN 38329 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. (1)Tell us your name and account number (if any). (2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more 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 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 a new account, a point-of-sale transaction, or a foreign-initiated transfer) 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 transfer involved a new 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 ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer. We will tell you the results within three 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.

You must have enough available funds in any account from which you instruct us to make a payment or transfer. If the date you schedule a payment to be made is a holiday, funds must be available in your account the next Business Day. Scheduled payments that fall over a weekend will be processed on Monday evening or the next business day. If your account has insufficient funds to perform all electronic fund transfers you have requested for a given business day, then: (1) Electronic fund transfers involving currency disbursements, like ATM withdrawals, will have priority, (2) Electronic fund transfers initiated through the Services which would result in an overdraft of your account may, at our discretion, be cancelled, and (3) In the event that electronic fund transfers initiated through the Services 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. Please refer to your initial account disclosures for more information on applicable transaction limits. If a hold has been placed upon 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 initiated through the Services before 5:00 p.m. Central Standard Time on a business day are posted to your account the same day. Transfers completed after 5:00 p.m. Central Standard Time on a business day, Saturday, Sunday or banking holiday will be posted on the next business day. The Services identifies a transfer based upon the Access ID of the user who made the electronic transfer. Accordingly, you understand and acknowledge that the Transfer and Bill Payment History screens will not reflect transfers made by multiple users from the same account if different Access IDs are used. You agree to communicate to any other persons with authorized access to your accounts concerning any transfers or bill payments from your accounts, in order to avoid overdrafts.

You are responsible for all transfers and bill payments you authorize using the Services. If you permit other persons to use the Services or your Access codes, you are responsible for any transactions they authorize from your linked eligible accounts. 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 Access Codes and want to terminate that person’s authority, you must change your Access Codes to prevent further access by such person. You agree that when any transfer, bill payment, or other transaction is generated by the Services, we may debit your designated account or the account on which the item is drawn without requiring your signature on the item and without prior notice to you. For business account customers, if you allow your employees to conduct transactions using the Services, it is recommended that you perform periodic risk assessments and controls evaluations to ensure that transactions are being performed per company policy.

If we, or a third party acting as our agent, do not complete a transfer 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: If, through no fault of ours, you do not have enough money in your account to make the transfer. If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. If circumstances or persons beyond our or our agent’s control prevent, delay, intercept, or alter the making of a transfer or payment, despite reasonable precautions that we have taken. Such circumstances include, but are not limited to, computer failure, telecommunications breakdowns or interruptions, labor disputes, delays caused by payees, interruption of services by ATM or other payment networks, acts of terrorism, acts of war, fires, floods, and other natural disasters. If you have not given us complete, correct or current account numbers, other identifying information, or instructions so that we can properly credit or debit 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 as described in the Bill Payments Guidelines section. If a timely Bill Payment is made but the payee nevertheless does not credit your account promptly after receipt. If the money in the account from which a payment or transfer is to be made is subject to legal process or other claim that restricts access to the funds. If we or our agent reasonably believes that a transaction may be unauthorized and based thereon the transaction is not completed. This Agreement has been terminated. Applicable law prevents completion of the transfer. Any other exceptions stated in our agreement with you.

In order to use the Decatur County Bank Bill Pay service, you must be an authorized user of the Decatur County Bank Online Banking System and have a valid Access ID and Password issued or authorized by us.

In addition to the transfer limits listed previously, Bill Payments will be debited from your account on the date that they are processed by the payee, similar to writing a check (weekends and national holidays are not valid payment dates). You should make sure to keep track of bill payments that are pending on your account to ensure there will be sufficient funds available to pay them when they are processed – there may be sufficient funds at the time that you schedule the Bill Payment, but keep in mind that this could change depending upon other transactions that may be processed before the check is presented to your account for payment. Your account’s actual balance (sometimes called the ledger balance) only includes transactions that have settled up to that point in time, that is, transactions (deposits and payments) that have posted to your account. The actual balance does not include outstanding transactions (such as Bill Payments or checks that have not yet cleared and electronic transactions that have been authorized but which are still pending).

You must designate the following: the account from which payments are to be made; the complete name of the payee, the payee’s remittance address, and the payee’s phone number, all exactly as shown on the billing statement or invoice; the amount of the payment, the date you want the payment to be debited from your account, and the frequency of the payment. By using the Bill Payment Services option, you agree that, based upon instructions received under your password, we can charge your designated account, by electronic transfer or by “no signature required draft”, on your behalf. We will make all Decatur County Bank payments by placing checks in the mail. Decatur County Bank will issue an official bank check and mail it on the business day following the scheduled date of your payment. The timing of checks received is dependent on several factors, including (1) mail time to the merchant, (2) processing time at the merchant and (3) processing accuracy at the merchant. You should schedule payments and transfers to be made at least five (5) business days prior to the merchant due date to allow for mailing and processing time. The five (5) days do not include the day the payment is submitted or any grace period provided by the merchant. Our business days are Monday through Friday. Holidays are not included. We will not be liable for any late charges, interest, penalties, or other damages incurred because you allow less time for a payment or transfer. We will not be responsible for delays caused by others. You understand and agree that we are not responsible for the timely delivery of mail or the improper transmission or handling of payments by a third party, such as the failure of the bill payment payee to properly post a payment to your account.

You are responsible for having sufficient funds in your account(s). You are liable for our standard fees associated with overdrafts in your account or for insufficient funds (NSF’s). If you should have excessive overdrafts in your account, a hold may be placed on your bill payment services and NSF fees will apply. In severe or habitual situations, your access to the Online Banking Services may be revoked and your account with Decatur County Bank closed. In the event you have sufficient funds to make some, but not all, scheduled payments, we may in our sole discretion, determine which payments to complete.

We will act as your agent for the purpose of making payments to Merchants. You release us from all claims, defenses, and rights that you may have against any Merchant or any other person for any merchandise or services purchased through or accounts paid by the Services.

Your enrollment in Decatur County Bank Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Decatur County Bank account(s). Alerts are provided within the following categories:

– Mandatory Alerts provide you with important account notifications, such as information about changes to your Online Banking password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts.
– Account Alerts provide you with notification of important account activities or when certain changes are made to your Service accounts, such as scheduled payments made, scheduled payments cancelled and mobile deposits. These Alerts are automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not do so because they provide important information related to your Service accounts.
– Additional Alerts must be activated by you to be enabled. These Additional Alerts can be accessed from the Alerts menu within Decatur County Bank Online Banking and Alerts menu within Decatur County Bank Mobile Banking.

Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts though your mobile device. We may add new Alerts from time to time, or cancel old Alerts. We usually notify you when we cancel Alerts, but are not obligated to do so. Decatur County Bank reserves the right to terminate its Alerts service at any time without prior notice to you.

We may provide Alerts through one or more channels (“EndPoints”): (a) a mobile device, by text message, (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your Decatur County Bank Online Banking message in-box, by an e-mail message. You agree to receive Alerts through these EndPoints, and it is your responsibility to determine that each of the service providers for the EndPoints described in (a) through (c) above supports the email, push notification, and text message Alerts provided through the Alerts service. Please be advised that text or data charges or rates may be imposed by your EndPoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you Alerts. If your email address or your mobile device’s number changes, you are responsible for informing us of that change. Your Alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number.

To stop Alerts via text message, text “STOP” to 99588 at anytime. Alerts sent to your primary email address will be unaffected by this action. To restore Alerts on your mobile phone, just visit the Alerts tab in Decatur County Bank Online Banking and click the box next to your mobile number for the Alerts you’d like to receive again. For help with SMS text alerts, text “HELP” to 99588. In case of questions please contact customer service at 731.852.2821. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.

Decatur County Bank provides Alerts as a convenience to you for information purposes only. An Alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide Alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any Alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside Decatur County Bank’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold Decatur County Bank, its directors, officers, employees, agents, and service providers liable for losses or damages, including attorneys’ fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose.

As Alerts delivered via SMS, email and push notifications are not encrypted, we will never include your passcode or full account number. You acknowledge and agree that Alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your Alerts will be able to view the contents of these messages.

You agree that we are not responsible for any computer virus, malware, worms, Trojan horses, or related problems that may be associated with the use of an online system. We will use reasonable efforts to maintain the security of the Services; however, we recommend that you routinely scan your PC and diskettes using a reliable virus detection product to remove any viruses found. You agree that you shall bear the liability or the risk of any error or loss of data, information, transactions or other losses that may be due to the failure of your computer system or third party communications provider on which you may rely. We shall not be liable for any losses resulting from circumstances over which we have no direct control, including, but not limited to, the failure of electronic or mechanical equipment or communications lines, telephone or other interconnect problems, software, operator errors, log-in sequences, natural disaster, civil disturbance, strikes and other such events including without limitation any failure of your Internet service provider to complete your connection to the Services. You acknowledge that there are alternative methods for accessing the information and conducting the transactions provided by the Services. In the event you experience problems in accessing the Services, you will attempt to access such information and conduct such transactions by such alternative methods. You agree that we are not liable for punitive, exemplary, consequential, indirect, remote or special damages. In no event shall we be liable for damages that exceed your actual loss due to our failure to complete a transfer, pay a bill, stop payment or other use of the Services. Except as specifically provided in this agreement, or otherwise required by law, you agree that our officers, directors, 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 the Services, 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. There may be other exceptions to our liability as stated in your depository or credit agreement and as provided by applicable law.

You will be mailed periodic statements for your account(s) as regularly provided for in the depository or credit agreement applicable to your accounts. Your statements will reflect any transfers or bill payments you authorize using the Services.

You can use the Services seven days a week, twenty-four hours a day, although occasionally some or all services may not be available due to emergency or scheduled system maintenance. We may also change the scope of our Services from time to time. We will attempt to provide prior notice of such interruptions and changes but cannot guarantee that such notice will be provided.

The terms of this Agreement, along with applicable fees and services charges, may be altered or amended by us from time to time. In such event, you will be required to accept any changes or amendments the first time you log in to your online banking account after the changes or amendments have taken effect. Any use of the Services after accepting the changes or amendments will constitute your agreement to such change(s), which will become effective immediately. If you do not agree to the change or amendment, you must discontinue use of the Services to which the change or amendment relates, or cancel your access to the Services. Further, we may, from time to time, revise or update Services and related written material and may render all prior versions obsolete. Consequently, we reserve the right to terminate this Agreement as to all such prior versions of the Services and/or related written material and limit access to the Service’s more recent revisions and updates. You acknowledge and agree that changes to fees applicable to specific accounts are governed by the applicable deposit agreements and disclosures.

In the event you wish to discontinue the Services, you must contact Decatur County Bank in writing at the following address: Decatur County Bank Attn: Bookkeeping Department, P.O. Box 429 Decaturville, TN 38329. You agree that we can terminate or limit your access to Services for the following reasons: (1) Without prior notice, if you have insufficient funds in any one of your accounts; Services may be reinstated, in our sole discretion, once sufficient funds are available to cover any fees, pending transfers and debits; and (2) Upon reasonable notice, for any other reason in our sole discretion, including without limitation breach of the agreement and abuse of the Services.

You may not assign this Agreement to any other party. We may assign this Agreement to any future, directly or indirectly, affiliated company. We may also assign or delegate certain of our rights and responsibilities under this Agreement to independent contractors or other third parties.

We will disclose information to third parties about your account or the transfers you make in accordance with the privacy policies of Decatur County Bank/West Tennessee Bank: (1) Where it is necessary for completing transfers; or (2) In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or (3) In order to comply with government agency or court orders; or (4) If you give us your written permission.

This agreement is subject to applicable federal laws and the laws of the State of Tennessee. If any provision of this Agreement is held invalid, illegal, or unenforceable, the validity, legality or enforceability of the remaining provisions shall in no way be affected or impaired thereby.

Member FDIC
08/2022
Online Banking Customer Agreement and Disclosure