INTERNET BANKING AGREEMENT AND DISCLOSURE

Please read our policy and Accept the terms by clicking the "Accept" link at the bottom of the page.

Online Banking Service Agreement
The following terms and conditions apply to First Missouri Bank of SEMO's online Banking and Bill Pay (“Services”). This Service Agreement also documents your consent to conduct transactions electronically and to access periodic statements.

In order to utilize the online Services, you must be an owner/signer on any deposit or loan account.

Electronic Access Consent
If you wish to access your account online, you must: 1)Contact a Customer Service Representative (CSR) at any of our locations to enroll and have Online Banking access activated and 2)have internet access. You have the right to withdraw your consent any time by canceling your enrollment in the service. Upon contacting a CSR at any of our locations, your Online Banking account would then be deleted.

We reserve the right to deliver periodic statements on paper. With our E-savings Account, no paper statements will be delivered. The requirements of this account cause you to access those documents via First Missouri Bank of SEMOs Online Banking System. You understand and acknowledge that you have the right to obtain a paper copy of your E-statement. At such time, you agree to make such request in writing to First Missouri Bank of SEMO and you acknowledge research fees, specified in our Schedule of Services, may apply upon such request.

Online Banking Functionality
Fund Transfers: You may perform unlimited transfers between transaction accounts. You may not make more than six (6) transfers per month on any savings or money market accounts. All transfers conducted prior to 5:00 p.m. CT will process on that business day.
Balance Inquiries: You may use online banking to check balances on deposit and loan accounts where you have authority as owner/signer.
Account Services: You may use online banking to view copies of checks and deposits, copies of deposit account statements, and place stop payments on checks.

Bill Pay Service Functionality
Make Payments: You may make or schedule payments as needed. There is an initial limit of $300.00 when the bill pay account is set-up. Upon completion of account verification by Fi-Serve Direct Services Corporation via debit and credit transactions, the dollar limit will be lifted. Payments can only be made to payees within the U.S. and its territory. The “Scheduled Payment Date” is the day you want your Biller to receive your bill payment and is also the day your account will be debited. If the Scheduled Payment Date falls on a non-business day, it will then be processed on the previous business day. For further explanation of Bill Pay procedures at Fi-Serve Direct Services Corporation, refer to the Bill Pay link provided on our website at www.1fnb.com.
Automatic Payments: You may set up payments to pay automatically-one time or recurring. You set up the frequency, amount, and timing of these payments. The amount is fixed and will not change unless you manually change it.
External Transfers: External transfers allow you to electronically transfer money between transaction deposit accounts at First Missouri Bank of SEMO and other institutions that are located in the United States and have a valid ABA routing number.
Payment Processing: You are responsible for having sufficient and available funds on deposit to make scheduled payments and transfers. We may or may not deduct payments or transfers from your designated account in conjunction with any of the above listed services, if that said payment/transfer creates an overdraft. You are liable for all applicable overdraft fees.

Additional Terms
You are responsible for obtaining, installing and operating all necessary hardware, software, and Internet access necessary to use these services. First Missouri Bank of SEMO is not responsible for failures from the malfunction of your hardware, software, and Internet access services. If First National Bank changes hardware or software, you may have the choice to withdraw your consent to the electronic information without a fee, condition, or consequence.

If you believe your Personal Internet Banking ID is subject to unauthorized use or that an unauthorized transaction may be or has been made from a First Missouri Bank of SEMO deposit account, contact a CSR at any one of our locations immediately.

We reserve the right to terminate any of the above Services provided to you without notice to you for any reason (except for such notice required by Law) including, without limit, if you do not comply with this Service Agreement or the agreement governing your Deposit or Loan Accounts. Termination of the Service Agreement will cancel any scheduled Transfers and or Payments. After 120 days of inactivity, your User ID may be revoked. You will need to contact a CSR at any one of our locations to have it re-activated.

  


INTERNET BANKING AGREEMENT AND DISCLOSURE

Please read our policy and Accept the terms by clicking the "Accept" link at the bottom of the page.

 

Online Banking Service Agreement
The following terms and conditions apply to First Missouri Bank of SEMO's online Banking and Bill Pay (“Services”). This Service Agreement also documents your consent to conduct transactions electronically and to access periodic statements.

In order to utilize the online Services, you must be an owner/signer on any deposit or loan account.

Electronic Access Consent
If you wish to access your account online, you must: 1)Contact a Customer Service Representative (CSR) at any of our locations to enroll and have Online Banking access activated and 2)have internet access. You have the right to withdraw your consent any time by canceling your enrollment in the service. Upon contacting a CSR at any of our locations, your Online Banking account would then be deleted.

We reserve the right to deliver periodic statements on paper. With our E-savings Account, no paper statements will be delivered. The requirements of this account cause you to access those documents via First Missouri Bank of SEMOs Online Banking System. You understand and acknowledge that you have the right to obtain a paper copy of your E-statement. At such time, you agree to make such request in writing to First Missouri Bank of SEMO and you acknowledge research fees, specified in our Schedule of Services, may apply upon such request.

Online Banking Functionality
Fund Transfers: You may perform unlimited transfers between transaction accounts. You may not make more than six (6) transfers per month on any savings or money market accounts. All transfers conducted prior to 5:00 p.m. CT will process on that business day.
Balance Inquiries: You may use online banking to check balances on deposit and loan accounts where you have authority as owner/signer.
Account Services: You may use online banking to view copies of checks and deposits, copies of deposit account statements, and place stop payments on checks.

Bill Pay Service Functionality
Make Payments: You may make or schedule payments as needed. There is an initial limit of $300.00 when the bill pay account is set-up. Upon completion of account verification by Fi-Serve Direct Services Corporation via debit and credit transactions, the dollar limit will be lifted. Payments can only be made to payees within the U.S. and its territory. The “Scheduled Payment Date” is the day you want your Biller to receive your bill payment and is also the day your account will be debited. If the Scheduled Payment Date falls on a non-business day, it will then be processed on the previous business day. For further explanation of Bill Pay procedures at Fi-Serve Direct Services Corporation, refer to the Bill Pay link provided on our website at www.1fnb.com.
Automatic Payments: You may set up payments to pay automatically-one time or recurring. You set up the frequency, amount, and timing of these payments. The amount is fixed and will not change unless you manually change it.
External Transfers: External transfers allow you to electronically transfer money between transaction deposit accounts at First Missouri Bank of SEMO and other institutions that are located in the United States and have a valid ABA routing number.
Payment Processing: You are responsible for having sufficient and available funds on deposit to make scheduled payments and transfers. We may or may not deduct payments or transfers from your designated account in conjunction with any of the above listed services, if that said payment/transfer creates an overdraft. You are liable for all applicable overdraft fees.

Additional Terms
You are responsible for obtaining, installing and operating all necessary hardware, software, and Internet access necessary to use these services. First Missouri Bank of SEMO is not responsible for failures from the malfunction of your hardware, software, and Internet access services. If First National Bank changes hardware or software, you may have the choice to withdraw your consent to the electronic information without a fee, condition, or consequence.

If you believe your Personal Internet Banking ID is subject to unauthorized use or that an unauthorized transaction may be or has been made from a First Missouri Bank of SEMO deposit account, contact a CSR at any one of our locations immediately.

We reserve the right to terminate any of the above Services provided to you without notice to you for any reason (except for such notice required by Law) including, without limit, if you do not comply with this Service Agreement or the agreement governing your Deposit or Loan Accounts. Termination of the Service Agreement will cancel any scheduled Transfers and or Payments. After 120 days of inactivity, your User ID may be revoked. You will need to contact a CSR at any one of our locations to have it re-activated.

  
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Card Valet

Control debit card usage and on-the-go spending through your smartphone! CardValet is an app that lets you keep a close eye on your debit card usage. Set dollar limits for yourself to keep your spending in check, and even shut off your card if you find that it is lost or stolen.

Summary

  • Turn your debit card on and off using your mobile device
  • Establish transaction controls for dollar amount limits, merchant categories and geographic locations
  • Receive alerts when your debit card is used, approved, or exceeds the transaction controls set by you
  • Stay informed of potential fraud with alerts on attempted declined transactions
  • Get real-time balances for your accounts
  • Total spend feature helps you set and track basic budgets

Best Practices

CardValet has tremendous flexibility for setting up transaction controls and alerts for your FM Bank Debit Card! However, do keep in mind that the more complex your settings are in CardValet, the more chance there is for unexpected results that can be difficult to figure out. As with most things, simple is often better!

Here are a few suggestions for getting started with CardValet:

  • The simplest way to set up Alerts is to alert on "All Transactions." Why not? With this setting, you will be quickly made aware of any unexpected activity on the debit cards that you monitor. Also, should you experience a transaction denial, you can quickly see the reason for the denial and adjust, as needed.
  • The simplest transaction Control available in CardValet is the "On/Off" control. You can turn your debit card On as you approach the checkout or start an online purchase, and then turn it Off immediately after the transaction is completed. All transactions will be denied while your debit card is Off, so if you use your debit card for automatic or recurring transactions use this control with caution.
  • Another simple way to control debit card transactions is with the "My Location" option under the "Location" control preference. This control compares the GPS location of the mobile device you tied to CardValet to the location the transaction is coming from. If the device is in the same general location as the transaction location, the transaction is allowed. Mismatches are denied. Obviously, this control is dependent on both GPS and cell connectivity of the device. Also, there may be situations where the location specified with the transaction is a corporate location and does not match the physical location. Blue-ray or DVD kiosks are an example where this may occur.
  • Do you think a more complex combination of controls may be right for you? As a best practice, set up those same settings in the Alerts Preferences before setting them up as Control Preferences. Use your debit card for up to a month and review the alerts received for your normal transactions. These will correspond with the transactions that would be denied if the same Control settings were in place.

Additional recommendations for International Travelers:

  • Consider the impact of mobile device reception in foreign countries. Your CardValet settings will remain in effect whether or not your device has reception. Lack of reception could lead to unexpected transaction denials if you have Location Control Preferences in place.
  • FM Bank has other debit card fraud controls in place to protect your accounts, which override CardValet controls. It is always a good idea to contact FM Bank prior to your travel date, so that we can determine if other adjustments are appropriate to minimize the chance of transaction denials during your trip.

Find a surcharge free ATM near you.

ATM LOCATOR

Protect your debit card through your mobile device by receiving alerts and defining when, where, and how your debit card is used.

Download the app today!

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Mobile Banking.
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Conveniently manage your money when you want from wherever you want with our Mobile Banking App.

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