Terms and Conditions
This agreement contains important information about the terms and conditions which govern internet account access through Alliance eBanking. By requesting and using Alliance eBanking, you agree to comply with the terms and conditions of this agreement. New service may be introduced from time to time. By using any new service, you agree to be bound by the rules that will be made available to you concerning the service. Please read this agreement carefully and keep this copy for your records. You may also refer to our Electronic Funds Transfer Agreement for more information.
This agreement will be governed by all applicable federal laws and regulations. In the event that no federal law applies, the agreement will be governed by laws and regulations effective in the State of South Carolina.
The first time that you access any of your accounts through Alliance eBanking, you confirm your agreement to abide by all the terms and conditions of this agreement, and acknowledge your receipt and understanding of this disclosure.
Modifications to this Agreement
Carolina Alliance Bank may modify the terms and conditions applicable to Alliance eBanking from time to time. We will notify you of any changes by mail to the address shown on our account records, or by sending you an electronic mail message. The revised terms and conditions will be effective at the earliest date allowed by applicable law. We are not required to give you prior notice where an immediate change is necessary to maintain or restore the security of our system. We reserve the right to terminate this agreement and your use of Alliance eBanking, in whole or in part, at any time.
The following definitions apply in this agreement:
- “Alliance eBanking” is the internet-based service providing access to personal Carolina Alliance Bank account(s) and certain non-personal accounts.
- "Service” refers to Alliance eBanking.
- “Account” means any Carolina Alliance Bank account which you access using the Service.
- “Password” or “PIN” are the codes you create that establish your connection to the Service.
- “We,” “us,” “our,” and “Bank” refer to Carolina Alliance Bank, which offers the Service and which holds the accounts accessed by the Service.
- “You,” “your,” and “Customer” refer to each account holder.
- “Business day” means Monday through Friday, excluding Saturday, Sunday, federal banking holidays, and any other day we choose to be closed for business.
- “Time of day” references are to Eastern Standard Time or Eastern Daylight Time, as applicable.
Fees and Charges for Alliance eBanking
There are no monthly fees for viewing accounts or transferring funds between accounts.
We will notify you 30 days prior to implementation of changes, either by written notice or via e-mail. We also reserve the right to update this agreement at any time that we deem necessary. You may choose to accept or decline changes by continuing or discontinuing the service to which the changes relate. Changes to fees applicable to specific accounts are governed by the applicable account disclosure.
Accessing Your Accounts
In order to activate Alliance eBanking, you must have at least one account with Carolina Alliance Bank. There are no monthly fees for viewing your accounts or for transferring funds between accounts.
As a customer of Carolina Alliance Bank, you may access your accounts by selecting and using a password. You should keep your password in a secure location. Any person having access to your Carolina Alliance Bank password will be able to access Alliance eBanking and perform all transactions, including reviewing account information and making transfers to other accounts which are accessible with your password.
The first time you log into Alliance eBanking, you will be required to change the assigned password and choose a password known only to you containing a combination of alpha and numeric characters. The password must be at least six characters and no more than 12 characters. You may change your password through Alliance eBanking at any time, and occasional password changes are recommended.
If you suspect that an unauthorized person has access to your password, please contact us immediately (on business days) at (864) 208-BANK (2265).
Access to Service
You can gain access to your accounts at Carolina Alliance Bank through the use of your internet-enabled device, your internet service provider (ISP), and applicable IDs and passwords.
You are responsible for obtaining, installing, maintaining, and operating all equipment used for Alliance eBanking. Carolina Alliance Bank will not be held responsible for any error or failure caused by the malfunction of your computer or other internet-enabled device or any incompatibility with the Service.
You may access any eligible account on which you are authorized to receive transaction history and balance information. The balance and account history will show the current balance of the account, including any transactions conducted prior to the inquiry. Returns in process due to non-sufficient funds or stop payments may not be reflected in the inquiry.
If you do not access your accounts via Alliance eBanking for any three-month period, Carolina Alliance Bank reserves the right to disconnect your service.
You agree to be responsible for any telephone and/or ISP charges that you may incur by accessing your accounts via Alliance eBanking at Carolina Alliance Bank.
If you wish to cancel Alliance eBanking, please contact Carolina Alliance Bank at (864) 208-BANK (2265), e-mail us at firstname.lastname@example.org or send us cancellation instructions in writing to Carolina Alliance Bank, PO Box 932, Spartanburg, SC 29304 Attn: Operations.
Hours of Operation
Alliance eBanking is available 24 hours a day, seven days a week, except during special maintenance periods. We will make every effort to advise you when the service may be down for an extended period.
For transaction purposes, all requests received after 5:00 p.m. on business days, will be processed on the next business day, unless otherwise stated or elected by the Bank. Transfers between Carolina Alliance accounts process immediately once the transaction is confirmed.
You agree that Carolina Alliance Bank may respond to you by electronic mail (e-mail) with regard to any matter related to Alliance eBanking, including responding to any claim of unauthorized electronic funds transfer that you make. Any e-mail sent to you by Carolina Alliance Bank will be considered received by you within three (3) calendar days of the date it was sent, regardless of whether or not you sign on to the Service within that time frame.
It is your responsibility to inform Carolina Alliance Bank of a change in your e-mail address, and the Bank will have no liability for the non-receipt of an e-mail notification that is returned due to an invalid address.
E-mail messages sent to Carolina Alliance Bank will be considered received on the following business day. You agree that the Bank will have a reasonable amount of time to act on your e-mail message.
You may not use e-mail to initiate transactions on your account(s). You also should not rely on e-mail if you need to communicate with the Bank immediately (for example, to report an unauthorized transaction from one of your accounts or to stop a payment that is scheduled to occur). In these cases, please call us at (864) 208-BANK (2265).
E-mail may not be a secure method of communication. We therefore recommend that you do not send confidential, personal or financial information by e-mail.
Limitations on Bank Liability
Hours of Accessibility
You may access Alliance eBanking seven days a week, 24 hours a day. Necessary system maintenance will be scheduled for hours in which system traffic is normally at a minimum. If the system is unavailable due to an unanticipated problem, you may use the automated telephone voice response system at 800-373-0391 to conduct your transactions.
Customer Rights and Responsibilities
In addition to this agreement you agree to be bound by and comply with the account agreement and account disclosure, the rules and regulations of the electronic transfer system, and the state and federal laws and regulations including the Regulation E disclosure that you received when you opened your account. You, the customer, are responsible for keeping your PIN and account data confidential. We are entitled to act on transaction instructions received using your PIN, and you agree that the use of your PIN will have the same effect as your signature, authorizing the transactions. If you authorize other persons to use your PIN in any manner, your authorization will be considered unlimited in amount and manner until you have notified us in writing that you have revoked the authorization, or changed your PIN. You, the customer, agree that you are responsible for any transactions made by such persons until such time that we receive and have time to act upon the notification that transfers by that person, or instructions regarding your accounts, are no longer authorized.
You must notify us immediately if you suspect that another person has improperly obtained use of your online password. You must also notify us if someone has transferred or may transfer money from your bank account without your permission, or if you suspect any fraudulent activity related to your account. You should reveal your account number only to legitimate entities for purposes you authorize, such as automatic payments to your insurance company. To notify us call (864) 208-BANK (2265) or e-mail at email@example.com.
Right to Cancel
Carolina Alliance Bank reserves the right to cancel your online service at any time without notice due to insufficient funds in one or more of your accounts. After cancellation, service may be reinstated at the discretion of the Bank provided that funds are available to cover the cost of any fees and/or pending transfers. To reinstate your service, contact us at (864) 208-BANK (2265) or via e-mail at firstname.lastname@example.org.
The Bank will not be responsible for failure to provide access to Alliance eBanking at Carolina Alliance Bank due to a system failure or due to other unforeseen acts or circumstances. We will not be responsible for any error or failures from a malfunction of your computer or any computer virus or other problems related to your computer equipment used with Alliance eBanking. The Bank is not responsible for any error, damages or other losses you may suffer due to the malfunction or misapplication of any system you use, including your browser (Microsoft Internet Explorer®, Netscape Navigator®, or otherwise), your ISP, your personal financial management or other software, (such as Quicken®, or Microsoft Money®), or any equipment you may use (including your telecommunications facilities, computer hardware and modem) to access or communicate with Carolina Alliance Bank.