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.