The following provisions govern the use of EFT services through accounts held by Community First Bank which are established primarily for personal, family or household purposes. If you use any EFT services provided, you agree to be bound by the applicable terms and conditions listed below. Please read this document carefully and retain for future reference.
The services available using your ATM Card and personal identification number, ATM/Visa Check Card and personal identification number, or HSA Card and personal identification number, are described below:
You may access your account by telephone at 800-485-2871 or 608-375-4900 using your personal identification number, a touch tone phone, and your account numbers to:
You may access your account(s) by computer through the internet by logging onto our website at www.cfbank.com and using your personal identification number, password, and multifactor authentication to:
You may access your account(s) through the browser on your cell or mobile phone at www.cfbank.com or by downloading our mobile banking app and using your personal identification number, user identification, and multifactor authentication to:
You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this service. Check with your cell phone provider for details on specific fees and charges.
ELECTRONIC CHECK CONVERSION. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills
Tell us AT ONCE if you believe your Card and/or PIN or FirstNet Banking PIN/Password have been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your card and/or PIN without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft, and we can prove we could have stopped someone from using your card and/or PIN or FirstNet Banking PIN/Password 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, including those made by card, code or other means, tell 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 after the 60 days 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 a hospital stay) kept you from telling us, we will extend the time periods.
CONSUMER LIABILITY FOR UNAUTHOTIZED TANSACTION INVOLVING ATM/VISA CHECK CARD AND HSA CARD. Different limitations apply to certain transactions involving your card with the VISA logo. These limits apply to unauthorized transactions processed on the VISA or PLUS Network.
If you notify us about an unauthorized transaction involving your card with the VISA logo and the unauthorized transaction took place on the VISA or PLUS network, zero liability will be imposed on you for the unauthorized transaction. We may increase the limit of your liability for such transactions to the amounts described under "Consumer Liability" if we determine, that you have been negligent or fraudulent in the handling of your account or your card with the VISA logo, you were proved to have participated in the transactions, or both. The zero liability provisions do not apply to PIN-based or PIN-LESS transactions not processed by the VISA or PLUS network, including ATM transactions outside the United States.
Your liability for unauthorized transactions with your card with the VISA logo that involve Pin-based or PIN-LESS transactions not processed by the VISA or PLUS Network including ATM transactions, are described under "Consumer Liability" above.
ILLEGAL USE OF CARDS. You agree not to use your card(s) for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that the transactions are lawful in all jurisdictions in which the cardholder may be located.
LIABILITY FOR FAILURE TO COMPLETE TRANSACTION. 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 will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
DISCLOSURE OF ACCOUNT INFORMATION. You agree that merchant authorization messages transmitted in connection with POS transactions are permissible disclosures of account information, and you further agree to release Community First Bank and hold it harmless from any liability arising out of the transmission of these messages.
We may disclose information to third parties about your account or electronic fund transfers made to your account:
We may charge or amend any of the terms and conditions of the Agreement and those portions of the applicable Fee Schedule which relate to EFT services, at any time upon at least 30 days written notice to you prior to the effective date of the change or amendment. If you do not agree to abide by a change or amendment, you must notify Community First Bank of the fact prior to the effective date of the change or amendment and cancel this Agreement. Community First Bank may cancel this Agreement at any time, without giving you prior notice. If you or Community First Bank cancels this Agreement at any time, you shall surrender any card and you may no longer use any of Community First Bank's EFT services other than automated clearing house transfer services.
In Case of Errors or Questions About Your Electronic Transfers, call, email, or write us at the information listed 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. You must contact Community First Bank no later than 60 days after we sent the FIRST statement on which the problem or error appeared. Be prepared to provide the following:
COMMUNITY FIRST BANK, 925 WISCONSIN AVE, P.O. BOX 307, BOSCOBEL, WI 53805-0307
Business Days: Monday through Friday Excluding Federal Holidays
Email: email@example.com Phone: 608-943-0150