First Federal Bank of Florida
Online Banking Service Agreement

Effect Date: 9/26/2012

Service Agreement

In order to enroll in Internet Banking you must agree to the terms and conditions of the Internet Banking Service Agreement.

Read the Internet Banking Service Agreement for terms and conditions.

By clicking on ‘I Agree’, you agree that your system meets the requirements, you consent to receive all notices regarding Internet Banking in electronic form and you indicate that you have read and agree to the terms and conditions of the Internet Banking Service Agreement.

Internet Banking Service Agreement

This Agreement is the contract which covers your and our rights and responsibilities concerning Internet Banking services offered to you by First Federal Bank of Florida (FFBF). In this Agreement, the words “you” and “yours” mean those who access Internet Banking and any authorized users. The word “account” means any one or more accounts you have with us.

By accessing the Internet Banking service and/or performing Bill Pay Service transactions, you agree to the following terms governing your and our rights and responsibilities concerning the Internet Banking electronic funds transfer services. Electronic funds transfers (“EFTs”) are electronically initiated transactions through Internet Banking and Bill Pay involving your deposit accounts.

  • Internet Banking Services. You must use your Internet Banking Access ID and Password to access your accounts. Internet Banking is accessible seven (7) days a week, 24 hours a day. However, the system may be temporarily unavailable from time to time for maintenance. You will need a personal computer and a web browser (such as Microsoft Internet Explorer, Mozilla or Chrome) to access Internet Banking. The online address for Internet Banking is https://www.ffsb.com. You are responsible for the installation, maintenance and operation of your computer and internet access. FFBF will not be responsible for any errors or failures involving any telephone service, internet service or your computer. You may use Internet Banking to:
    • Transfer funds to and from your savings, checking, CMA, and Money Market accounts.
    • Obtain balance information for all of your accounts.
    • Review transactions for the current and prior statement cycles for your checking and savings accounts.
    • Make loan payments from your savings and checking accounts.
    • Transfer funds from a Line of Credit to a deposit account.
    • Determine if a particular item has cleared.
    • Obtain tax information on amounts earned on deposit accounts or interest paid on loan accounts.
    • Verify the date and amount of any deposit, including payroll deposits.
    • Obtain current loan information including balance, rate and account history.
    • Make payments from your checking account using the Bill Pay Service.
    • Review checking account statements for the prior 12 months.
    • Place a stop payment on a check.
  • Relation to Other Agreements. Your use of Internet Banking services may also be affected by the agreements between us for your deposit, credit card, and other linked accounts. When you link an account to Internet Banking services, you do not change the agreements you already have with us for that account. For example, when you use Internet Banking services to access a deposit account, you do so under the terms and conditions we gave you in the agreement and disclosure for the deposit account. You should review those agreements for any applicable fees, for limitations on the number of transactions you can make, and for other restrictions which might impact your use of an account with Internet Banking services.
  • Mail and Telephone Communications. You may visit FFBF at your normal banking location. For telephone and mail communications, please use the following:
    Mail Telephone
    First Federal Bank of Florida
    Attention: Customer Service
    P.O. Box 2029
    Lake City, FL 32056
    Amelia Island, Yulee (904) 321-2337
    Bonifay (850) 547-3624
    Chipley (850) 638-7892
    Graceville (850) 263-3225
    Jasper (386) 792-2400
    Email Lake City (386) 754-0090
    firstfederal@ffsb.com Live Oak, Mayo, Dowling Park (386) 362-7990
    Macclenny (386) 653-5400
    Marianna (850) 526-4411
  • Internet Banking Service Limitations. The following limitations on Internet Banking transactions may apply:
    • Transfers. You may make transfers to your other accounts as often as you like. Transfers from a Savings, Money Market or Cash Management account to another account or to third parties by preauthorized, automatic, telephone or computer transfer are limited to six per month. You may transfer up to the available balance in your account or up to the available credit limit on a line of credit at the time of the transfer, except as limited under this Agreement or your deposit or loan agreements. FFBF reserves the right to refuse any transaction that would draw upon insufficient or unavailable funds, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. FFBF may set other limits on the amount of any transaction and you will be notified of those limits.
      Summary - Transfers
      You are limited to 6 transfers per month from a Savings, Money Market or Cash Management account to another account or third party
    • Processing of Transfer Request. Transfers you submit from an account (Checking, Savings, Money Market, CMA, or Line of Credit) are immediately reflected in your balances for that account. Transfers entered before the cut-off time of 7:00 PM on a bank business day are processed on that bank business day. Transfers entered after the cut-off time or on a bank holiday are processed on the next bank business day. All transfers are reflected on your statement with the calendar day they were processed.
    • Cut-off times for Crediting of Transfers. The crediting of funds depends on the type of account you are transferring to and the daily cut-off time. Internet Banking transfers to deposit accounts are immediately reflected in the account balance online and at ATMs. In order for transferred funds to be available to pay items that are processed against your account overnight (i.e. checks, direct debits), they must be entered before the cut-off time of 7:00 PM. To avoid possible insufficient funds or overdraft fees, please be sure to submit your transfers before the cut-off time.

      Funds transferred as a payment to a personal credit card, line of credit, installment loan or mortgage account before the cut-off time of 7:00 PM will be credited with the date the payment is made. However, updates to account balances and funds availability may take up to 2 bank business days. To ensure crediting of payments for the same calendar day, please be sure to submit your transfers before the cut-off time.

    • Account Information. The account balance and transaction history information may be limited to recent account information involving your accounts. Also, the availability of funds for transfer or withdrawal may be limited due to the processing time for any deposit transactions and our Funds Availability Policy.
    • Account Information. The account balance and transaction history information may be limited to recent account information involving your accounts. Also, the availability of funds for transfer or withdrawal may be limited due to the processing time for any deposit transactions and our Funds Availability Policy.

      You may stop payment on any item drawn on your account whether you sign the item or not, if you have an equal or greater right to withdraw from this account than the person who signed the item. A release of the stop payment request may be made only by the person who initiated the stop payment order.

      Additional limitations on our obligation to stop payment are provided by law (e.g., we paid the item in cash or we certified the item).

      Summary - Transactions and Cut-off Times
      Transfer Requests Transfers entered before 7:00 PM will be processed that day. Transfers entered after 7:00 PM will be processed the next bank business day.
      Stop Payments Stop payments must be made by 5:00 PM
    • Bill Pay Service Payments.
    • Security of Access ID and Password. The Access ID and Password that you select is for your security. Your Access ID and Password is confidential and should not be disclosed to third parties or recorded. You are responsible for the safekeeping of your Access ID and Password. You agree not to disclose or otherwise make your Access ID and Password available to anyone not authorized by you to sign on your accounts. If you authorize anyone to use your Access ID and Password, you understand that person may use the Internet Banking service to review all of your account information and perform account transactions. Therefore, we are entitled to act on transaction instructions received using your Access ID and Password and you agree that the use of your Access ID and Password will have the same effect as your signature authorizing transactions.

      If you authorize anyone to use your Access ID and Password, that authority will be considered unlimited in amount and manner until you specifically revoke such authority by notifying FFBF and changing your Access ID and Password. You are responsible for any transactions made by such persons until you notify us that transactions and access by that person are no longer authorized and your Access ID and Password is changed. If you fail to maintain or change the security of the Access ID and Password, and FFBF suffers a loss, we may terminate your electronic funds transfer and account services immediately.

      When your Internet Banking service is linked to one or more accounts, we may act on the verbal, written or electronic instructions of any authorized signer regarding your service.

    • Email and System Protection. Identity theft and account hijacking are a focus of information security protection. FFBF recommends protecting yourself and your information by following these suggestions, among others:

      • Do not send any confidential information via email – including social security numbers, Access IDs, Passwords, account numbers, etc.
      • FFBF will never ask for your Password through an email
      • Install virus protection on your computer and update it on a regular basis
      • Do not use public computers to access Internet Banking and other secure transaction sites
      • Avoid using unsecured wireless connections when accessing Internet Banking and other secure transaction sites
    • Customer Liability Applicable Only to Consumer and Sole Proprietor Accounts. You are responsible for all transfers you authorize using the Internet Banking services under this Agreement. If you permit other persons to use your Access ID and Password, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your Access ID and Password and accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For Internet Banking transactions, your maximum liability for unauthorized use may be up to $50. If your statement shows Internet Banking transactions that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for the full amount of the loss if we can prove that we could have stopped someone from making unauthorized EFT transactions. If a good reason (such as a hospital stay) kept you from telling us, we may extend the time periods.

      Summary - Customer Liability Applicable Only to Consumer and Sole Proprietor Accounts
      You are responsible for all transfers you authorize using Internet Banking.
      You are responsible for any transactions conducted using Internet Banking by persons you have permitted to use your Access ID and Password
      You are responsible for a maximum liability of up to $50 for any unauthorized use of Internet Banking
      You are responsible to tell FFBF within 60 days after your statement was mailed if there were fraudulent Internet Banking transactions or you may be liable for the full amount.

      If you believe your Access ID and Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, see the Mail and Telephone Communications section earlier in this disclosure.

    • Customer Liability Applicable Only to Business Accounts (other than Sole Proprietor). You are responsible for all transfers you authorize using the Internet Banking services under this Agreement. If you permit other persons to use your Access ID and Password, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your Access ID and Password and accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For Internet Banking transactions, you are liable for all transactions. If your statement shows Internet Banking transactions that you did not make, tell us at once and we will make all reasonable attempts to recover any losses incurred.

      Summary – Customer Liability Applicable Only to Business Accounts (other than Sole Proprietor)
      You are responsible for all transfers you authorize using Internet Banking.
      You are responsible for any transactions conducted using Internet Banking by persons you have permitted to use your Access ID and Password
      You are responsible for all Internet Banking transactions
      You are responsible to tell FFBF of any Internet Banking transactions that you did not make

      If you believe your Access ID and Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, see the Mail and Telephone Communications section earlier in this disclosure.

    • Business Days. Our Business days are Monday through Friday. Bank holidays are not included.
    • Fees and Charges. There may be certain charges for Internet Banking services. From time to time, the charges may be changed. We will notify you of any changes as required by law.
      • Please refer to the Additional Services and Features disclosure for a list of charges applicable to Internet Banking.
  • Transaction Documentation and eStatements. Transfers and withdrawals transacted through Internet Banking will be recorded on your periodic statement. You will receive a statement monthly. For Electronic Statements (eStatements) you will receive an email notification that your statement is ready for review through Internet Banking. Simply log in to Internet Banking to review and retrieve your eStatement.
  • Account Information Disclosure. FFBF will maintain the confidentiality and privacy of your account information in accordance with our privacy policy as stated on our web site at https://www.ffsb.com. However, we will disclose information to third parties about your account or the transfers you make in the following limited circumstances:
    • When it’s necessary for completing transfers or bill payments, or to investigate or resolve a problem related to a transfer or payment.
    • To verify the existence and condition of your account for a third party, such as a credit bureau or merchant.
    • To comply with a government agency, court order or the request of a federal regulator; or
    • If you give us your written permission.
  • Limitation of Liability for Internet Banking Services. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages. Our sole responsibility for an error in a transfer will be to correct the error and in no case will we be liable for any indirect, special, incidental, or consequential damages. In states that do not allow the exclusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. FFBF will not be liable for the following:
    • If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is inactive, or the transfer would exceed the credit limit on your line of credit, if applicable.
    • If you used the wrong password or you have not properly followed computer instructions or FFBF FAQ’s for making transfer and Bill Pay transactions.
    • If your computer fails or malfunctions or the phone lines or FFBF computer system was not properly working and such problem should have been apparent when you attempted such transaction.
    • If circumstances beyond our control (such as fire, flood, telecommunication outages or strikes, equipment or power failure) prevent making the transaction.
    • If the funds in your account are subject to an administrative hold, legal process or other claim.
    • If you have not given FFBF complete, correct and current instructions so FFBF can process a transfer.
    • If, through no fault of ours, a Bill Pay transaction or funds transfer transaction does not reach a particular payee due to changes in the payee address, account number or otherwise; the time you allow for payment delivery was inaccurate; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you.
    • If the error was caused by a system beyond FFBF’s control such as telecommunications system, an Internet service provider, any computer virus or problems related to software not provided by FFSB.
    • If there are other exceptions as established by FFBF.
  • Termination of Internet Banking Services. Transfers and withdrawals transacted through Internet Banking will be recorded on your periodic statement. You will receive a statement monthly. For Electronic Statements (eStatements) you will receive an email notification that your statement is ready for review through Internet Banking. Simply log in to Internet Banking to review and retrieve your eStatement.

    You or any other party to your account can terminate this Agreement by notifying us in writing or by telephone. Termination of service will be effective the first business day following receipt of your written notice. Termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination. This cancellation applies to your Internet Banking services and does not terminate any of your other accounts with FFBF.

  • Notices. FFBF reserves the right to change the terms and conditions upon which this service is offered. FFBF will notify you at least thirty (30) days before the effective date of any change, as required by law. Any change in terms will also be published on-line.

    Summary – Internet Banking Notices
    You will be notified at least 30 days before the effective date of any change to the terms and conditions of Internet Banking
  • Error Resolution Notice Applicable Only to Consumer and Sole Proprietor Accounts. In case of errors or questions about your electronic transfers, call or write at the telephone number or address provided below, 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.

    • Tell us your name and account number (if any).
    • 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.
    • Tell us the dollar amount of the suspected error.

    If you tell us orally, we may require that you send us your complaint or questions 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 questions. 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.

    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 by sending a written request.

    Summary – Error Resolution Notice Applicable Only to Consumer and Sole Proprietor Accounts
    We must hear from you no later than 60 days after we sent the FIRST statement on which a problem or error appeared
    We may require that your complaint or questions are submitted in writing within 10 business days of the discovery of the problem or error
    We will investigate the problem or error within 10 business days, and may take up to 45 days to complete the investigation if necessary
    We will provide you with the results within 3 business days of completing the investigation
    We will provide you with provisional credit within 10 business days for the amount in question
    If you do not submit the complaint or question in writing, provisional credit may not be provided
  • Additional Provisions Applicable Only to Business Accounts (other than Sole Proprietor). Protecting your Access ID and Password – You agree that we may send notices and other communications to the current address shown in our records, whether or not that address includes a designation for deliver to the attention of any particular individual. You further agree that FFBF will not be responsible or liable to you in any way if information is intercepted by an unauthorized person either in transit or at your place of business. You agree to: 1) Keep your Access ID and Password secure and strictly confidential, providing it only to authorized signers on your account(s); 2) instruct each person to whom you give your Access ID and Password that he or she is not to disclose it to any unauthorized person; and 3) immediately notify us and select a new Access ID and Password if you believe they may have become known to an unauthorized person.

    The bank will have no liability to you for any unauthorized payment or transfer made using you Access ID and Password that occurs before you have notified us of possible unauthorized use and we have had a reasonable opportunity to act on that notice.

    We may suspend or cancel your Access ID and Password even without receiving such notice from you, if we suspect your Access ID and Password is being used in an unauthorized or fraudulent manner.

    Summary – Additional Provisions Applicable Only to Business Accounts (other than Sole Proprietor)
    FFBF is not responsible or liable to you in any way if information is intercepted by an unauthorized person either in transit or at your place of business
    Keep your Access ID and Password secure and strictly confidential
    Instruct each person to whom you give your Access ID and Password that he or she is not to disclose it to any unauthorized person
    Immediately notify us and select a new Access ID and Password if you believe they may have become known to an unauthorized person
  • Enforcement.You agree to be liable to FFBF for any liability, loss, or expense as provided in this Agreement that FFBF incurs as a result of any dispute involving your accounts or services. You authorize FFBF to deduct any such liability, loss, or expense from your account without prior notice to you. This Agreement shall be governed by and construed under the laws of the State of Florida as applied to contracts entered into solely between residents of, and to be preformed entirely in, such state. In the event either party brings a legal action to enforce the Agreement or collect any overdrawn funds on accounts accessed under this Agreement, the prevailing party shall be entitled, subject to Florida law, to payment by the other party of its reasonable attorney’s fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions, if applicable. Should any one or more provisions of this Agreement be determined illegal or unenforceable in any relevant jurisdiction, then such provision may be modified by the proper court, if possible, but only to the extent necessary to make the provision enforceable and such modification shall not affect any other provision of this Agreement. If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three (3) business days after the conclusion of our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other customers’ rights to privacy) relied upon to conclude that the error did not occur.