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Internet Banking Agreement

This Internet Banking Agreement and Disclosure (the "Agreement") is used to inform you of appropriate uses of Internet Banking to obtain information about your accounts, to transfer funds between your accounts, and other bank services available through the Internet.

Security & Protecting Your Account

THE COTTONPORT BANK is committed to the protection, security, and confidentiality of our customer’s personal and account information. In an effort to maintain this commitment, THE BANK continues to utilize the latest technology in the continuous development of its Internet Banking Service.

THE BANK uses the following methods to protect your account information:

  • You can only access Internet Banking with browsers that have high security standards.
  • Your account numbers are not displayed or transmitted across the Internet.
  • You must have a valid ID and PIN to sign in. You are only allowed three attempts to log into Internet Banking with the correct ID and PIN. If you do not enter the correct ID and PIN your account will be locked after the third attempt.
  • After 10 minutes of inactivity you will be automatically logged off Internet Banking.

You are responsible for using the following methods to protect your account information:

  • Never give out personal information such as your PIN.
  • Never leave your computer unattended while logged into Internet Banking.
  • Always exit by clicking on “Exit” after using Internet Banking.
  • Notify Customer Service immediately if you suspect that your ID or PIN has become known to or used by an unauthorized person.

E-mail and Virus Protection

THE COTTONPORT BANK encourages you not to send any confidential information including social security numbers, IDs, and PINs via e-mail. You need only to send your name and if desired, a phone number where customer service may reach you. Customer Service will answer all e-mails by e-mail unless they have questions or need further information from you.

Unless you have instructed us otherwise, you agree that THE BANK may send you electronic messages about other products or services we offer.

THE COTTONPORT BANK is not responsible for any electronic virus that you may contract while using Internet Banking. THE COTTONPORT BANK suggests you routinely scan your computer using a virus protection product to detect and remove viruses found.

Service Availability

Internet Banking with THE COTTONPORT BANK is available 365 days a year. It is necessary to perform maintenance. This maintenance is limited to the early morning hours (i.e. Midnight - 5:00 a.m.) on Saturday or Sunday when possible. There are times Internet Banking may be down for extended periods of time or times other than Saturday and Sunday for more extensive maintenance, system upgrades, or to resolve equipment problems. During these periods, customers are notified of the maintenance on THE COTTONPORT BANK’S web site and when attempting to log into Internet Banking.

Funds Transfer Service

You will be able to transfer funds between you COTTONPORT BANK accounts only. If you do not want to have the ability to transfer funds between your accounts using Internet Banking, or if you want to restrict the accounts from which you can transfer funds using your ID and PIN, call Customer Service, and we will make the necessary adjustments to this service for you.

As an Internet Banking customer, you can make immediate transfers between specified deposit accounts through Internet Banking. You are responsible for all transfers you or your authorized representative make using Internet Banking. All such transfers are effective when you complete the transaction online. Funds must be available in the account from which you wish to transfer funds on the date you enter the transaction.

THE COTTONPORT BANK’S Ability to Terminate your Internet Banking Service

You are responsible for complying with the terms of this Agreement. THE COTTONPORT BANK reserves the right to terminate your Internet Banking privileges if you do not comply with this agreement. Your Internet Banking privileges may be revoked if we believe that unauthorized use of your ID, PIN or account may be occurring.


We can amend this Agreement upon notice to you, which you agree may be sent by e-mail or by an announcement conspicuously displayed directly within the site. Any notice will be effective not later than ten (10) days after we send or post the notice (unless a law or regulation requires a longer notice period), whether or not you have retrieved or viewed the notice by that time.

We may, from time to time, introduce new services that are part of Internet Banking. We will update this Agreement to notify you of these new services. By using Internet Banking after those new services become available, you agree to be bound by the terms contained in the revised agreement.

Your Agreement To These Terms And Conditions

Your registration for Internet Banking with THE COTTONPORT BANK confirms that you acknowledge you have received, reviewed, and understand the terms of this Agreement, and that you are bound by all the terms and conditions of this Agreement.

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