ONLINE BANKING AGREEMENT AND ELECTRONIC FUND
TRANSFER ACT DISCLOSURE
Please read the following agreement carefully. After you have read this
agreement, you may activate Online Banking, by clicking the I AGREE
button below.
Definitions - As used in this Agreement, the words "we,"
"our," "us" and "Bank" mean Citizens &
Northern Corporation, which includes its subsidiary, Citizens & Northern
Bank. "You" and "your" refer to
the account holder authorized by Bank to use Online Banking under this
Agreement and anyone else authorized by that account holder to exercise control
over the account holder's funds through Bank. "Account" or
"accounts" means your accounts at Bank. "Electronic funds
transfers" means ATM withdrawals, preauthorized transactions, point of
sale transactions, transfers to and from your Bank accounts using Online
Banking including bill payments. "Bank Services" means the
services provided pursuant to this Agreement, including the Bill Payment
Service. "Business days" means Monday through Friday. Holidays are
not included.
Agreement - This Agreement, which includes the Fee Schedule and
Enrollment Form, is a contract which establishes the terms and conditions which
govern the following Internet Banking services. These services include but are
not limited to the following: view your Bank account balances, view account
statements, view Bank account histories, transfer funds between your Bank
accounts, make stop payment requests, view checks and deposits, change your
address, pay bills from your Bank accounts in the amounts and on the dates you
request if you have enrolled in the Bill Payment service, and other electronic
banking services presently or prospectively offered by Bank through Online
Banking. If you are applying as a Business customer (Treasury Manager), you may
be eligible for treasury management services, subject to existing and required
additional agreements. These services include bill payment, mobile deposit, direct
deposit payroll, collections, EFT Federal tax payments, ACH receipts/debits,
ACH payments/credits, wire transfer requests, and file transmission. Each Treasury
Manager service is provided only with prior Bank approval.All of the above-named
services, including Treasury Management services if applicable, are
collectively hereinafter referred to as the "Bank
Services." Additional services and enhancements to existing services may
be added from time to time by Bank without notice. As a Business
customer you acknowledge that all users of Online Banking that you
assign have the ability to enroll in bill payment and
mobile deposit services.By using Online
Banking or permitting any other person to use Online Banking, you
are accepting all the terms and conditions of this Agreement and any
instructional material which we provide you regarding Bank Services.
The terms and conditions of this agreement are in addition to those that apply
to any accounts you may have with us, any loan or credit agreements with us, or
any other services you obtain from us, including but not limited to signature
cards, account and deposit agreements and disclosures, fee schedules, and any
other agreements with Bank. The terms of these other agreements continue to
apply notwithstanding anything to the contrary in this Agreement.
This Agreement is also subject to applicable federal laws and the laws of the
State of Pennsylvania for Citizens & Northern Bank customers, (except to
the extent this Agreement can and does vary such rules or laws). If there is no
applicable federal law or regulation, this agreement will be governed by and
interpreted in accordance with the laws of the state of Pennsylvania. If any
provision of this Agreement is found to be unenforceable according to its
terms, all remaining provisions will continue in full force and effect. The
headings in this Agreement are for convenience or reference only and will not
govern the interpretation of the provisions. Any waiver (express or implied) by
either party of any default or breach of this Agreement must be in writing and
shall not constitute a waiver of any other or subsequent default or breach. You
may not assign this Agreement. This Agreement is binding upon you, your heirs
and BANK's successors and assigns. Certain of the obligations of the parties
pursuant to this Agreement that by their nature would continue beyond the
termination, cancellation or expiration of this Agreement shall survive
termination, cancellation or expiration of this Agreement. This Agreement,
together with the Enrollment Form and Fee Schedule, constitutes the entire
agreement between you and Bank with respect to the subject matter hereof and
there are no understandings or agreements relative hereto which are not fully
expressed herein.
Joint Accounts - The provisions of this agreement apply if any of your
accounts with us is a joint account. As a holder of a
joint account, you are jointly and severally liable under this agreement. Each
of you acting alone, under assigned log in ID and password may perform
transactions, pay bills, obtain information, stop or change payments or
transfers, terminate this Agreement or otherwise transact business, take
actions or perform under this Agreement. We are not required to obtain the
consent of or notify the other one of you about the actions of the other.
However, each of you will only be permitted to access accounts for which you
are an owner or authorized user.
Each of you individually releases us from liability and agrees not to make a
claim or bring any action against us for honoring or allowing any actions or
transactions where the person performing the action or transaction is one of
you or is otherwise authorized to use your Bank Services. Each of you agrees to
indemnify us and hold us harmless from any and all
liability (including, but not limited to, reasonable attorney's
fees) arising from any such claims or actions.
Access - To use Online Banking, you must have at least one loan
or deposit account at BANK, access to Internet service, and an e mail address.
Once we have received your signed Enrollment Form or online enrollment
application, and verified your account information, we will send you, either in
person, via email or by postal mail, confirmation of our acceptance of your
enrollment. Online Banking can be used to access only the Bank accounts
which have been designated for access by Online Banking in your
enrollment.If you are a Business customer you acknowledge that
any new accounts will automatically be added to Online Banking and if
you do not wish for an account to be automatically added to Online Banking
you must notify the Bank.You can add or
delete any of your Bank accounts from this Agreement by sending your request to
the Deposit Operations Department via the Secure Messaging system. To utilize
the Bill Payment Service, you must have a checking account. We undertake no
obligation to monitor transactions through Online Banking to determine
that they are made on behalf of the accountholder.
Balances - Balance and activity information are stated in real-time and
reflect your current balance as of the time of the information request.
Hours of Access - You can use Online Banking seven days a week, twenty-four
hours a day, although some or all Online Banking services may not be
available occasionally due to emergency or scheduled system maintenance. We
agree to post, if possible, notice of any extended periods of non-availability
on the Online Banking website.
Your Password & Login ID Your login ID is unique to you and
therefore should not be shared with any other person including joint account
owners. For security purposes, you are required to change your password upon your
initial login to Online Banking. You determine what password you will use,
and the identity of your password is not communicated to us. You agree that we
are authorized to act on instructions received under your password. You accept
responsibility for the confidentiality and security of your password and agree
to change your password regularly. Upon three unsuccessful attempts to use your
password, your access to Online Banking will be revoked. To reestablish
your authorization to use Online Banking, you must contact us to have
your password reset or to obtain a new temporary password. Upon three
unsuccessful attempts to use your password, your Online Banking account
will be placed on a 24-hour lockout. You may wait 24 hours and attempt to
re-login or you may contact us to have your password reset.
We recommend that you create a password that utilizes both upper and lower-case
alpha and numeric characters for purposes of security. Your password should not
be associated with any commonly known personal identification, such as social
security numbers, address, date of birth, names of children, and should be
memorized rather than written down.
Security - You understand the importance of your role in preventing
misuse of your accounts through Online Banking and you agree to promptly
examine your statement for each of your Bank accounts as soon as you receive
it. You agree to protect the confidentiality of your account and account
number, and your personal identification information, such as your driver's license
number and social security number. You understand that personal identification
information by itself, or together with information related to your account,
may allow unauthorized access to your account. Your password and login ID are
intended to provide security against unauthorized entry and access to your
accounts. Data transferred via Online Banking is encrypted in an effort to provide transmission security and Online
Banking utilizes identification technology to verify that the sender and
receiver of Online Banking transmissions can be appropriately identified
by each other. Notwithstanding, our efforts to ensure
that the Online Banking system is secure, you acknowledge that the
Internet is inherently insecure and that all data transfers, including
electronic mail, occur openly on the Internet and could possibly be monitored
and read by others. We cannot and do not warrant that
all data transfers utilizing Online Banking, or e mail transmitted to
and from us, will not be monitored or read by others.
Fees and Charges - You agree to pay the fees and charges for your use of
Bank Services as set forth in the current fee schedule. Business customers
agree that all such fees and charges will be deducted from the Bank Account
designated as the Billing Account on the enrollment form. If you close the
billing account, you must contact us immediately to designate another account
as the billing account. You agree to pay any additional reasonable charges for
services you request that are not covered by this Agreement. You are also
responsible for any telephone, cable, satellite and Internet service fees you
incur in connection with your use of Online Banking.
Posting of Transfers - Transfers initiated between accounts held at Bank
cannot be canceled once approved. Transfers initiated through Online Banking
before 5:00 p.m. (Eastern Standard Time) on a business day are posted to your
account the same day. Transfers completed after 5:00 p.m. (Eastern Standard
Time) on a business day, or on a Saturday, Sunday or banking holiday will be
posted on the next business day. Online Banking identifies transfers
based upon the login ID of the user who made the electronic transfer. You
understand and acknowledge that the Online Activity screens in both the Funds
Transfer and Bill Payment menu options of Online Banking will not
reflect transfers made by multiple users from the same account if different
login IDs are used. You agree to communicate with any other persons
with authorized access to your accounts concerning any transfers or bill
payments from your accounts in order to avoid
overdrafts.
Overdrafts (Order of Payments, Transfers, and other Withdrawals) - If
your account has insufficient funds to perform all electronic fund transfers
you have requested for a given business day, then:
1.
Electronic funds transfers involving
currency disbursements, like ATM withdrawals, will have
priority;
2.
Electronic fund transfers initiated
through Online Banking which would result in an overdraft of your
account may, at our discretion, be cancelled;
3.
In the event the electronic fund
transfers initiated through Online Banking 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.
Limits on Amounts and Frequency of Online Banking
Transactions - The number of transfers from Bank
accounts and the amounts which may be transferred are limited pursuant to the
terms of the applicable deposit agreement and disclosure for those accounts.
For Key savings & money market account types there is a six-withdrawal
limit per calendar month. If a hold has been placed on 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. Depending on the type of transfer,
different limit amounts may apply on a per-customer basis. These limits are
designed in order to protect the security and
integrity of the service and account. To ensure the security of your accounts,
transfers between your accounts, to another customer, or to accounts outside
C&N may be reviewed, which could delay processing or result in transfers
not being processed.
Online Banking Bill Payment Service - You must designate the Bank
account from which the payments are to be made; the complete name of the payee,
your account number with the payee, (if applicable), and the payee's remittance
address, all exactly as shown on the billing statement or invoice; the amount
of the payment; and the date you want the payment to be processed. If the date
you want the payment to be processed from your account is not a business day,
the payment will be processed the next business day. By using the Online
Banking Bill Payment Service option, you agree that, based upon instructions
received under your password, we can charge your designated account by
electronic transfer, "no signature required draft," or by debiting
and remitting funds on your behalf. You also agree that your Online Banking
bill payments will be charged to the checking account designated by you. We
reserve the right to refuse to pay any payee designated by you. If we do so, we
will notify you promptly. The bank reserves the right to terminate or deny bill
payment service.
Scheduling Online Banking Payments - ANY PAYMENT MADE THROUGH Online
Banking BILL PAYMENT SERVICE REQUIRES SUFFICIENT TIME FOR YOUR PAYEE TO
CREDIT YOUR ACCOUNT PROPERLY. TO AVOID THE IMPOSITION OF FINANCE CHARGES OR
OTHER CHARGES BY THE PAYEE YOU MUST AUTHORIZE A PAYMENT ON A DATE, WHICH IS
SUFFICIENTLY IN ADVANCE OF THE DUE DATE OF YOUR PAYMENT. BANK SHALL NOT BE
RESPONSIBLE FOR ANY CHARGES IMPOSED OR OTHER ACTION TAKEN BY A PAYEE RESULTING
FROM A LATE PAYMENT, INCLUDING BUT NOT LIMITED TO FINANCE CHARGES AND LATE
FEES.
How to Cancel a Bill Payment - Bill Payments can be cancelled up to the
point they are sent to the biller for payment. To cancel a bill payment that
you have scheduled through Online Banking, you must cancel the payment
online via Online Banking by following the onscreen instructions. If a
payment was remitted via paper check, and the check has not cleared your
account, you may initiate a Stop Payment request. Standard Stop Payment fees
will apply.
Stop Payment Requests - You may initiate stop payment requests online
via Online Banking only for paper checks you have written (non electronically) on your Bank
accounts (not Online Banking bill payment drafts). Online stop payment
requests made after 4:30 p.m. EST Monday through Friday, or on a weekend or
holiday, will be processed the next business day. To be effective, this type of
stop payment request must precisely identify the name of the payee, the check
number, the amount, and the date of the check. You will incur stop payment
charges as disclosed in the current fee schedule for the applicable account. If
Bank receives a Stop Payment order from you three or more business days before
the transfer is scheduled, and Bank does not do so, Bank will be liable for
losses and/or damages.
Disclosure of Account Information and Transfers - You understand
information about your accounts or the transfers you make may automatically be
disclosed to others. This may occur if Bank is required to comply with
government agency or court orders. For example, tax laws require disclosure to
the government of the amount of interest you earn, and some transactions, such
as large currency and foreign transactions, must be reported to the government.
We may also provide information about your accounts to persons or companies we
believe would use the information for reasonable purposes, such as when a
prospective creditor seeks to verify information you may have given in a credit
application or a merchant calls to verify a check you have written or other
service agencies such as check reporting services. In addition, we routinely
inform credit bureaus about your credit experience with us. We may also seek
information about you from others, such as the credit bureau, in connection
with the opening or maintaining of your account or in connection with approving
your access to Online Banking. You agree and hereby authorize all of these transfers of information. We may also release
information to other parties if you give us written permission to do so.
Periodic Statements - You will not receive a separate Online Banking
statement. Transfers to and from your accounts using Online Banking will
appear on the respective periodic statements for your
Bank accounts. Periodic statements will be sent to you for each monthly cycle
in which an electronic fund transfer has occurred, or at least quarterly if no
such activity is present. If you bring your passbook to us, we will record any
electronic deposits that were made to your account since the last time you
brought in your passbook.
Change in Terms - We may change any term of this Agreement at any time.
We may do so by notifying you by posting a notice at this electronic site or by
mail or delivery of a written notice of such
amendments or changes. If the change would result in increased fees for any Online
Banking service, increased liability for you, fewer types of available
electronic fund transfers, or stricter limitations on the frequency or dollar
amount of transfers, we agree to give you notice at least 30 days before the
effective date of any such change, unless an immediate change is necessary to
maintain the security of an account or our electronic fund transfer system. We
will post any required notice of the change in terms on BANK's website or
forward it to you by e mail or by postal mail. If advance notice of the change
is not required, and disclosure does not jeopardize the security of the account
or our electronic fund transfer system, we will notify you of the change in
terms within 30 days after the change becomes effective. Your continued use of
any or all of the subject Bank Services indicates your
acceptance of the change in terms. We reserve the right to waive, reduce or
reverse charges or fees in individual situations. You acknowledge and agree
that changes to fees applicable to specific accounts are governed by the
applicable deposit agreements and disclosures and agree to accept notification
of any and all changes to these accounts by e mail.
Disclaimer of Warranty and Limitation of Liability - We make no warranty
of any kind, express or implied, including any implied warranty of
merchantability or fitness for a particular purpose, in connection with the
Bank Services provided to you under this Agreement. We do not and cannot
warrant that Online Banking will operate without errors or that any or
all Bank Services will be available and operational at all
times. 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 Online Banking,
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. Further, in no
event shall the liability of Bank and its affiliates exceed the amounts paid by
you for the services provided to you through Online Banking.
When using Online Banking to pay bills, you agree that the BANK, without
prior notice to you, may debit any payment account(s)
to pay checks that you have not signed by hand or by legally acceptable form of
electronic signature (e.g., digital signature). When using Online Banking
to make transfers from credit accounts, you agree that BANK, without prior
notice to you, may take any action required to obtain cash advances on your
behalf, including charging any credit account at Bank without your handwritten
or legally acceptable electronic signature.
Third Party Network Disclaimer - You may not resell or redistribute any
services you receive through Online Banking, or our other services, or
from our suppliers. You acknowledge and agree that neither Bank nor its
suppliers are responsible for the content of your transmissions, which may pass
through any Internet Service Provider or over the Internet. You agree to take
reasonable steps to ensure that you will NOT use the services provided
to you or the Internet for illegal purposes, for transmission of threatening,
obscene, or harassing materials, or to interfere with or disrupt other users,
services or equipment. Disruptions include, but are not limited to,
distributing chain letters or mass mailings of unsolicited e mail
("spamming"), propagating computer worms and viruses, or using the
services and the Internet to make unauthorized entry to any other machine.
Violation of the foregoing may result in termination of access rights to the
offending party or parties. We do not warrant that our
services, the Internet or our suppliers will be
available on a specified date or time or that our services and the Internet
will have the capacity to meet your demand during specific hours. Neither Bank
nor its suppliers will be liable for any damage that you may suffer arising out
of use, or inability to use, the services or products provided hereunder.
Neither Bank nor its suppliers will be liable for unauthorized access to BANK's
transmission facilities or premise equipment or for unauthorized access to or
alteration, theft or destruction of your data files, programs, procedures or
information through accident, fraudulent means or devices, or any other method,
regardless of whether such damage occur as a result of Bank or its suppliers
negligence.
In no event will Bank or its suppliers be liable for any other damages,
including but not limited to loss of data, loss of revenue or profits, or for
any other special, incidental, indirect or consequential damages, arising out
of or in connection with the use of the services or the Internet. Access to the
services and the Internet cannot be guaranteed. You may be unable to access any
Internet Service Provider or the Internet at any given time, and disconnections
may occur from time to time. During your Online Banking on line session, you will be automatically disconnected
following twenty (20) minutes of inactivity. (You may then sign on again, if
desired.)
Third Party Software; Virus Protection - The Bank makes no
representations or warranties regarding the accuracy, functionality, or
performance of any third-party software that may be used in connection with Online
Banking (e.g. Quicken, Microsoft Money). The Bank is not responsible for
any electronic virus or viruses that you may
encounter. We encourage you to routinely scan your computer, diskettes, and
software using a reliable virus product to detect and remove any viruses found.
Undetected or unrepaired viruses may alter, corrupt, damage, or destroy your
programs, files, and even your computer. Additionally, you may unintentionally
transmit the virus to other computers, diskettes, and software.
Your Right to Terminate - You may cancel your Online Banking
service at any time by providing us with written notice by postal mail or fax.
Your access to Online Banking will be suspended within 3 business days
of our receipt of your written instructions to cancel the service. You will
remain responsible for all outstanding fees and charges incurred prior to the
date of cancellation. Our Right to Terminate - You agree that we can
terminate or limit your access to Online Banking Services for any of the
following reasons:
1. Without prior notice, if you have insufficient funds in any one of your Bank
accounts. Online Banking
service may be reinstated, in our sole discretion, once
sufficient funds are available to cover any fees, pending transfers, and
debits.
2. Upon reasonable notice, for any other reason in our sole discretion.
Communications between Bank and You - Unless this Agreement provides
otherwise, you can communicate with us in any one of the following ways:
E-mail - You can contact us by e mail at contactcn@cnbankpa.com (Please note that
banking transactions through Online Banking are not made via e mail.)
Secure Messaging - You may contact us by initiating a Secure Message while
logged on to Online Banking.
Telephone - You can contact us by telephone toll free at 1 877-838-2517.
Facsimile - You can contact us by fax at 1 570 724-5391.
Postal Mail - You can write to us at: Citizens & Northern Bank, Attn: Deposit
Operations, PO Box 58, Wellsboro, Pennsylvania 16901.
In Person - You may visit us in person at any one of our Bank Branch locations.
Consent To Electronic Delivery of Notices: You agree that this
agreement, any notice or other type of communication provided to you pursuant
to the terms of this Agreement, and any future disclosures required by law,
including electronic fund transfer disclosures, may be made electronically by posting
the notice on the Bank website, by e-mail or by Secure Messaging from within Online
Banking. You also agree to the following:
- Hardware/Software Requirements: You confirm that you have access to
the Internet and Online Banking. To
keep Internet based financial transactions secure whether on a computer, phone
or hand-held device, always keep your browser(s) up to date. Our Online Banking
software vendor supports the following browsers: Microsoft Edge,
Chrome, Safari and Firefox. The current version of these browsers and
the previous two versions are supported. We also support Adobe
Acrobat Reader which enables you to view your
agreement and notices.The current
version of Adobe and the previous two versions are supported.You will also need a printer if you choose to
print the agreement and notices and a storage device if you choose to download
for permanent storage
Note: Please keep in mind that our vendors only support
encryption protocols TLS 1.1, TLS 1.2 and TLS 1.3; they do not support SSL v2
or SSL v3. (TLS - Transport Layer Security vs SSL - Secure Sockets Layer) Both
are the cryptographic protocols designed to provide secure communications
over the Internet, TLS is the replacement for SSL. .
- Hardware/Software Changes: If the software and/or hardware
requirements are changed we will notify you and you may have to
again consent to receive your disclosures electronically and must
confirm that you can view the disclosures in electronic format. If you do not
consent again, your notices will be mailed to you via the U.S. Postal Service.
- Canceling Request: You have the right to receive your disclosures in
paper form via the U.S. Postal Service and may do this by notifying the bank.
You may reinstate your consent by contacting the bank.
- Paper Copy: You have the right to receive this agreement and future
disclosures in paper format. Please visit any of our branch offices and request
a copy during normal business hours or call your local branch. The cost for
this is listed on our fee statement that you received when opening your
account. You will be notified of any fee changes.
- Statement Notification: When a disclosure is available, we will send
you an e-mail notification using the e-mail address you provided. If the e-mail
address you provided is no longer valid or is incorrect, and attempted delivery
of your e-mail notification fails, we will continue to delivery your notices to
your online banking account.
- E-Mail Change: If your e-mail address changes, you must provide your
current email address to the bank by logging in to your Online Banking and
clicking "Settings" menu.
Our Liability for Failure to Make a Transfer - If we do not complete a transfer to or from your account,
including a bill payment, on time or in the correct amount, according to our
agreement with you when you have properly instructed us to do so, we will be
liable to you for your losses or damages caused as a result. However, there are
some exceptions. We will NOT be liable, for instance:
1.
If, through no fault of ours, you do
not have enough money in your account to make a transfer.
2.
If a legal order directs us to
prohibit withdrawals from the account.
3.
If your account is closed, or if it has been frozen.
4.
If the transfer would cause your
balance to go over the credit limit of an established line of credit or the
credit limit for any credit arrangement set up to cover overdrafts or exceed
the balance in your savings account that has been linked to your checking
account for overdraft protection.
5.
If you, or anyone authorized by you,
commits any fraud or violates any law or regulation.
6.
If any electronic terminal,
telecommunication device, or any part of the Online Banking electronic
fund transfer system is not working properly and you knew
about the problem when you started the transfer.
7.
If you have not provided us with
complete and correct payment information for the Bill Payment Service,
including, without limitation, the name, address, your payee assigned account
number, payment date, and payment amount for the payee on a bill payment.
8.
If you have not properly followed
the on-screen instructions for using Online Banking.
9.
If circumstances beyond our control
(such as fire, flood, interruption in telephone service or other communication
lines) prevent the transfer, despite reasonable precautions that we have taken.
10.
If you pay a bill too late to arrive
at the Payee's place of business on a timely basis.
Online Banking FEE
SCHEDULE
Consumer
Accounts
|
Online Access Account
Type Key Savings |
No charge to view and transfer funds Fee $2.00 per withdrawal fee for any withdrawal in excess of 6 per calendar month. |
The following information applies to consumer accounts only.
In Case of Errors or Questions About Your Electronic
Transfers Telephone us at 877-838-2517. Write us at Po Box 58 Wellsboro PA
16901 or email us at contactcn@cnbankpa.com 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 to investigate your
complaint or question. If we decide to do this, we will credit your account
within 10 business days 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.
For errors involving new accounts, point-of-sale, or
foreign- initiated transactions, we may take up to 90 days to investigate your
complaint or question. For new accounts, we may take up to 20 business days to
credit your account for the amount you think is in error.
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.
Your Liability for Unauthorized Transfers (This applies to
consumers only)- CONTACT US AT ONCE if you believe your password has been lost, stolen, used
without your authorization, or otherwise compromised, or if someone has
transferred or may transfer money from your accounts without your permission. HOW
TO CONTACT US - telephone 1 (877)-838-2517, email contactcn@cnbankpa.com,
postal mail Citizens & Northern Bank, Attn: Deposit Operations Department,
90 92 Mail Street, PO Box 58, Wellsboro, Pennsylvania, 16901 or in person at
one of our locations. An immediate telephone call to us is the best way to
reduce any possible losses. You could lose all the money in your accounts (plus
your maximum overdraft line of credit, if any). If you contact us within 2
business days after you learn of the loss, theft, compromise, or unauthorized
use of your password, you can lose no more than $50 if someone used your password without your permission.
If you do NOT contact us within 2 business days after you learn of the
loss, theft, compromise, or unauthorized use of your password, and we can prove
we could have stopped someone from using your password to access your accounts
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, contact 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 through transactions made after
the 60-day time period if we can prove that we could have stopped someone from
taking the money if you had told us in time. If a good reason (such as a long
trip or hospital stay) kept you from contacting us, we may extend the time
periods.
Last Revision Date: 4/13/2026