Online Banking & Bill Pay
Terms and Conditions
This Internet Banking Access Agreement for accessing your personal accounts via CommunitySouth Bank & Trust Online Banking explains the terms and conditions which govern online account activity.
By using the online financial services provided by CommunitySouth Bank & Trust, you agree to abide by the terms and conditions of this agreement. 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.
Accessing Your Accounts
In order to activate Online Banking, you must have at least one account with CommunitySouth Bank & Trust.
As a customer of CommunitySouth Bank & Trust, you may access your accounts by selecting and using an online password. You should keep your password in a secure location. Any person having access to your CommunitySouth password will be able to access Online Banking 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 Online Banking, 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 can change your password through the Online Banking at any time, and occasional password changes are recommended.
If you suspect that an unauthorized person has access to your password, please use one of the following methods to contact us immediately:
Monday through Friday, 8:00 a.m. to 6:00 p.m. at 864-306-2540 or e-mail us at operations@csbat.com.
There are no monthly fees for viewing these accounts or for transferring funds between accounts.
Terms and Conditions
The first time that you access any of your accounts through Online Banking, you confirm your agreement to abide by all the terms and conditions of this Online Agreement, and acknowledge your receipt and understanding of this disclosure.
CommunitySouth Bank & Trust 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 864-306-2540 or via e-mail at operations@csbat.com.
You may access any eligible CommunitySouth bank 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 Online Banking for any three-month period, CommunitySouth Bank & Trust reserves the right to disconnect your service.
You agree to be responsible for any telephone and/or Internet Service Provider charges that you may incur by accessing your accounts via Online Banking at CommunitySouth Bank & Trust.
If you wish to cancel any of your Online Banking services, please contact CommunitySouth Bank & Trust at 864-306-2540, e-mail us at operations@csbat.com or send us cancellation instructions in writing to CommunitySouth Bank & Trust, PO Box 2849, Easley, SC 29641 Attn: Operations.
Fees and Charges for Online Banking
There are no monthly fees for viewing accounts or transferring funds between accounts. For additional services offered online the following charges will apply:
Stop Payments: $30.00 per stop payment.
(Subject to approval, see Online Bill Pay agreement for complete terms and conditions)
We reserve the right to change the fees, charges or other terms outlined in this agreement. 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.
Hours of Accessibility
You may access Online Banking at CommunitySouth Bank & Trust 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 (TELEBANK at 800-561-2310) 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 864-306-2540 or e-mail at operations@csbat.com.
Online Bill Pay
Each bill payment made using the Online Banking service will be processed either by check or by electronic funds transfer. Delivery could take several days, although electronic payments tend to arrive faster. We recommend that you always schedule your payments at least seven (7) business days ahead of the date they are due to insure that the payment arrives in time. Be sure to take into account that, although you can schedule a payment at any time, payments are actually initiated (sent to the payee) only on business days.
Online bill payments are deducted from your account on the scheduled date. If the scheduled payment date falls on a non-business day, the payment will be deducted from your account on the previous business day.
Stop Pays
Stop pays will be processed the same day as long as they are received before 5:45 p.m. EST. There is a $30.00 fee that will be automatically assessed to your account. We WILL NOT be liable:
• If you, or anyone you allow, supply any incorrect or incomplete information that affects said transaction.
• If you do not give the bank the exact amount of the check and the exact check number, the bank will not identify the proper check and the check will not be stopped.
• If circumstances beyond our control (such as fire, flood, or improper transmission) keep us from receiving the stop payment order, despite reasonable precautions taken by us.
• If any electronic terminal, telecommunications device, or any part of the electronic system is not working properly
You agree that unless your stop payment order is received by the bank within a reasonable time for the bank to act on your order prior to final payment of the check, the bank will not be responsible for stopping payment. You agree that you may not stop payment on any type of ACH/EFT transfers including Point of Sales and Pre-authorized ACH transactions, any Cashiers Check, certified check or other financial institution check you have purchased from the bank, or any check of which the bank has guaranteed. You understand that your stop payment request is conditional and subject to the bank's verification that the check has not already been paid or that some other action to pay the check has not been taken by the bank.
A stop payment order against a check is effective only against the check that is described in the online stop payment order. A written stop payment order is effective for six (6) months only and will expire automatically at that time unless you have specifically renewed it prior to expiration.
You agree to pay a service charge for this stop payment order in the amount shown in the banks current disclosure of fees and charges. Unless otherwise agreed, the bank is authorized to charge this service charge to the account.
You agree to indemnify, defend and hold the bank harmless against all costs, including attorneys fees, actions, damages or claims related to or arising from the bank's action in refusing payment of the check, including claims of any joint depositor, payee or endorsee or in failing to stop payment of a check, as a result of incorrect information provided by you. You agree to notify the bank promptly upon the issuance of any duplicate check, which replaces the check subject to this order or upon return of the original check.
Limitations on Bank Liability
The bank will not be responsible for failure to provide access to Online Banking at CommunitySouth Bank & Trust 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 Online Banking. 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 Explorer, Netscape Navigator, or otherwise), your Internet service provider (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 CommunitySouth Bank & Trust.
Electronic Mail (e-mail)
You may use e-mail to contact us about inquiries, maintenance, and/or some problem resolution issues, in which case we will respond by e-mail. 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. There may be times when you need to speak with someone immediately, in these cases, please call us at 864-306-2540.
Ownership of Website
CommunitySouth Bank & Trust prohibits the unauthorized use, reproduction, linking, or distribution of any portions of information contained on our website.
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