Cornerstone Community Bank
Online User Terms & Conditions

SERVICE AGREEMENT

We, Cornerstone Community Bank, offer various electronic services through Cornerstone Community Bank’s Online Banking service. Online Banking enables you to perform inquiries, transfer funds between accounts, review transaction activity and more. By using the service you agree to be bound by this agreement and any future revisions.

FEES

Cornerstone Community Bank offers Online Banking as a free service to our customers. However, Bill Pay services are charged at rates described in applicable fee schedules.

GENERAL PROVISIONS

(a) Business days are Monday through Friday, except federal banking holidays. There is also a business day "cut-off" time of 8:00 p.m. CST. Transactions performed after that time (or any time on a weekend or holiday) are treated as though they were performed on the next business day.

(b) Your monthly checking account statement will contain information about any bill payment transactions that you have performed during the statement period.

(c) You agree to comply with the requirements of any help screens, instructions, on-line documentation, or other on-line user terms and conditions, as modified from time to time.

(d) In the event of a dispute regarding the services, you and we agree to resolve the dispute by looking to the terms and conditions contained in this agreement and the Cornerstone Community Bank Deposit Account Rules, as they may be amended from time to time, and not to representations made by our employees or agents.

(e) You agree that anyone with an ownership interest in your accounts, including joint accounts, may access those accounts, unless we are instructed to the contrary.

(f) You represent and warrant that you are at least 18 years of age.

(g) Our failure to exercise or enforce any right or provision of this Agreement shall not constitute a waiver of such a right or provision unless acknowledged and agreed to by us in writing.

(h) This agreement shall be governed by and construed in accordance with the laws of the State of Wisconsin.

USER ID AND PASSWORD

We recommend the following general safety guidelines:

• Never walk away from your computer while logged on to Online Banking or Bill Pay

• Memorize your Code

• Don’t share your Code with anyone

• Choose a Code that’s not easy to guess.

• Never give your Code to somebody else, even if they identify themselves as a Cornerstone Community Bank employee. Under no circumstances do we need your Code.

ERROR RESOLUTION

If you think that your statement is wrong or you need more information about a transfer listed on the statement, we must hear from you no later than 60 days after you received the FIRST statement on which the problem or error appeared.

1. Provide us with your name, Designated Account number and nature of dispute;

2. Describe the error or the transaction you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information; and

3. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within 10 business days.

We will tell you the results of our investigation within 10 business days after we hear from you, and will correct any error promptly. If more research is needed, we may take up to 45 days to investigate the complaint or question. If we decide to do this, we will credit your Designated Account within 10 business days for the amount you think is in error, so that you may 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 Designated Account.

If we decide there was no error, we will mail you a written explanation within three business days after we finish the investigation. You may ask for copies of documents, which we used in our investigation.

CHANGES

We reserve the right, at our discretion, to add, delete, change, modify, alter, or discontinue any service or any aspect, feature, or function of any service at any time, including content, hours, and equipment needed for access or use ("change(s)"). We also reserve the right, at our discretion, to add, delete, change, modify, or amend any fees or other terms and conditions of this agreement at any time (also called, "change(s)"). Unless an immediate change is necessary to ensure the security of the service or your Designated Account, we will send you written notice to the mail address or e-mail address we currently possess in our file at least 21 days before the effective date of any changes if required by law.

Any use of the service after we send you a notice of change will constitute your agreement to such change(s). Further, the service may, from time to time, revise or update the bill payment programs, services, and/or related material and these changes may render prior versions obsolete. Consequently, the service reserves the right to terminate this agreement as to all such prior versions of the bill payment programs, services, or related material and limit access to the services more recent revisions and updates.

TERMINATION OR DISCONTINUATION

In the event you wish to discontinue the service, you must contact us in writing. Written notice of service discontinuance must be supplied 10 business days prior to the actual discontinuance date. To notify us:

1. Fax us at (262) 375-9484; or

2. E-mail us at info@bankwithcornerstone.com; or

3. Write us at Cornerstone Community Bank, Online Banking, P. O. Box 146, Grafton, WI 53024

We reserve the right to terminate your use of the services in whole or in part at any time. Upon termination you will be responsible for making arrangements to pay any future or recurring payments. Neither termination nor discontinuation shall affect your liability or obligation under this agreement. The service reserves the right to refuse to pay a Payee if your Designated Account has insufficient funds, a Payee refuses to accept a payment, you attempt to make tax or court related payments or other good cause.

Since service cancellation requests take up to 10 days to process, you should cancel all outstanding payment or transfer orders in addition to notifying us of your desire to terminate the service. We will not be liable for payments or transfers not cancelled or payments or transfers made due to the lack of proper notification by you of service termination or discontinuance for any reason.

To Return to Online Banking Enrollment
Click the "X" in the Top, Right Corner of this Screen