Online Home Banking System

This Home Banking agreement states the terms and conditions for use of the online Home Banking system offered by Allied First Bank. When you use or permit any other individual(s) to use Home Banking you agree to the terms and conditions of this agreement. These terms and conditions are in addition to those that apply to any accounts that you have with Allied First Bank. This agreement is in addition to the existing agreements that you have received when opening any other accounts, which may be amended from time to time.

As used in this agreement, "you" or "your" refers to each authorized person(s) subscribing to, using, or accessing Home Banking; "we", "us", or "our" refers to Allied First Bank and any agent, independent contractor, designee, or assignee which Allied First Bank may involve in the provisions of the online Home Banking product.

You must be a member of Allied First Bank and have access to the Internet in order to use our Home Banking services. To use Home Banking and perform a transaction, you must enter your member number and password as directed by the Home Banking screen message.

In the event that you experience a problem with your member number or password, please contact the bank by calling 1-800-272-3286 or sending us an electronic message using the Home Banking product.

You may perform some of the following transactions with Allied First Bank by using the online Home Banking system:

  • Funds transfers - You may use Home Banking to transfer funds between your Allied First accounts. See the Electronic Funds Transfers disclosure for limitations.
  • Balance inquiries - You may use Home Banking to check the current balance and other account information on all of your deposit accounts and most loan accounts.
  • Customer service - You may communicate with Allied First Bank by using a personal computer to send and receive written messages electronically.
  • You are responsible for obtaining, installing, maintaining, and operating all computer hardware, software, and Internet access services necessary for performing transactions using the Home Banking system. Allied First Bank will not be responsible for any errors or failures from the malfunction or failure of your hardware, software, or any Internet access services.

Allied First Bank's business days are Monday through Friday, with the exception of selected holidays. The Home Banking system is available 24 hours a day, 7 days a week, except during maintenance periods or circumstances beyond our reasonable control.

Allied First Bank may terminate the Home Banking system in whole or in part at any time without prior notice. Allied First Bank reserves the right to limit or suspend your access to Home Banking at any time. In order to maintain secure communications and reduce the possibility of fraud, you agree to protect the security of your numbers, codes, and other means of identification (including, without limitation, your account numbers, access ID, and password). We reserve the right to block access to Home Banking to maintain or restore security to our site and systems, if we reasonably suspect your access codes have been or may be obtained or are being used or may be used by and unauthorized individual.

Use of your member number and password is the agreed upon security procedure in order to access Home Banking. In order to prevent unauthorized access to your accounts and to prevent unauthorized use of Home Banking, you agree that by using the Home Banking system, to keep confidential and not make available your access ID, password, or other means of access to your accounts to any individual not authorized to access your accounts. The loss, theft, or unauthorized use of your account numbers, access ID, and passwords could cause you to lose some or all of the money in your account(s), plus any amount available under your overdraft protection line of credit (if applicable). If you disclose your account numbers, access ID, and/or password to any person or entity, you assume all risks and losses associated with such disclosure. You are responsible for all transfers you authorized using the Home Banking system. You agree to immediately notify us (by calling 1-800-272-3286) during normal customer service hours of any unauthorized use of your account numbers, access ID, and passwords, or of any other breach of security, or if you believe someone may attempt to use the Home Banking system without your consent or has transferred money without your permission.

THE FOREGOING SHALL CONSTITUTE OUR ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL WE BE LIABLE FOR ANY LOSS, INJURY, OR DAMAGES, WHETHER DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, OR CONSEQUENTIAL, INCLUDING LOST PROFITS, CAUSED BY THE HOME BANKING SYSTEM OR THE USE THEREOF, OR ARISING IN ANY WAY FROM THE INSTALLATION, USE, OR MAINTENANCE OF YOUR PERSONAL COMPUTER HARDWARE, EQUIPMENT, SOFTWARE, OR ANY INTERNET ACCESS SERVICES.

THE HOME BANKING SYSTEM AND RELATED DOCUMENTATION ARE PROVIDED "AS IS," AND WE DO NOT MAKE ANY WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, CONCERNING THE HARDWARE, SOFTWARE, OR ANY PART THEREIN, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

In case of errors or question about Home Banking, call Allied First at 1-800-272-3286 or 1-630-554-8899, send us an electronic message using Home Banking, or write to us at Allied First Member Services, 3201 Orchard Rd, Oswego IL, 60543.

In addition to this agreement, you agree to comply with all applicable account agreements and with all applicable state and federal laws and regulations.

Allied First Bank may amend or change this agreement (including applicable fees and service charges) by sending you written notice by electronic mail or by regular mail sent to your address as it appears on your account records. You agree that Allied First may also send you future notices and disclosures about your accounts by electronic mail, where permitted by law. Any use of Home Banking after we send you a notice of change will constitute your agreement to such change(s). Further, we may from time to time revise or update the programs, services, and/or related material, which may render all such prior versions obsolete. Consequently, we reserve the right to terminate this agreement as to all such prior versions of the programs, services, and/or related material, and to limit access to Home Banking recent revisions and updates.

If you do not log in and use the Allied First Home Banking product for a period of 180 days, we reserve the right to terminate your access to the product.

We shall not be deemed to have waived any of our rights or remedies herein unless such a waiver is in writing and has been signed by a representative of Allied First Bank. No delay or omission on our part in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a waiver of any rights or remedies on future occasions.

We refer you to the agreements that you receive when opening your accounts, as amended, for additional terms, conditions, and disclosures that may apply to your accounts with Allied First Bank, as this agreement is an addendum to such agreement.