Welcome to West Alabama Bank's Internet Banking Service. Please complete the following information below and allow 24-48 hours for activation. Should you have any questions, please feel free to contact any office or call our Internet Banking Department at 205-375-9573.
*Please enter your Primary Checking Account Number
*Last Name *First Name M.I.
*City *State *Zip Code
*Social Security # *Mother's Maiden Name
Work Phone Home Phone Cell Phone
*Customer I.D. (your
Customer I.D. is the first initial of your first name followed by
your last name followed by the last four digits of your Social
Security Number) ALL LOWER CASE, NO SPACE
will be required to change your password the first time you log on)
(PASSWORD MUST BE 6 CHARACTERS WITH NO SPACES AND A MINIMUM
TWO ALPHA AND TWO NUMERIC CHARACTERS)
* represents a required field
*First Name M.I. *Last Name *S.S.#
Mailing Address Home Phone
City State Zip Code Work Phone
Date of Birth Cell Phone
*What account number would you like for West Alabama Bank & Trust
to use for paying your bills?
* represents a required field if applying for Bill Payment Services
This Internet Banking Agreement (“Agreement”) governs your use of
our internet banking service and contains the terms and conditions
associated with performing banking functions on accounts linked to
Definitions: As used in this agreement, “West
Alabama Bank”, “us”, “we”, “our”, and “bank” refer to West Alabama
Bank & Trust and “you”, “your”, and “I” refer to each authorized
user of the Services.
The following terms will have the meanings specified below when used
in this Agreement:
“Access Code” – means your unique User ID and
“Business Day” – means Monday through Friday, excluding Federal
“Your Computer” – means your computer and all related hardware and
“Account” or “Accounts” – means any authorized account from which
you will be conducting transactions using the Services or Internet
“Internet Banking” – means internet based services providing access
to your personal Account(s) and may include the Services..
“Services” – means internet based services as described in this
Agreement or as may be available subsequent to the acceptance of
Other terms are defined elsewhere in this Agreement in the
context of the provisions in which they are used.
Accepting This Agreement: Your use of any of the
Services, or use of any of the Services by some other person to whom
you have given permission, confirms your agreement to be bound by
the terms and conditions contained in this Agreement as well as any
rules for use of the Services. It also acts as your acknowledgement
of your receipt and understanding of the disclosures in this
Agreement and that you agree to allow all disclosures or other
information required under applicable law to be transmitted
Other Agreements; Severability; Governing Law. The
terms and conditions of this Agreement are cumulative with and in
addition to any terms of the signature cards or Account agreements
for your deposit Accounts, the applicable Account disclosures, the
service schedule, the schedule of funds availability, the bank’s
electronic funds transfer agreement and disclosure statement, the
agreements governing any applicable credit Accounts, any other
applicable Account agreements, the Internet Banking Enrollment Form,
and the Bill Payment Services Enrollment Form, all as may be amended
by West Alabama Bank from time to time. In the event of any conflict
between this Agreement and the content of Your Computer or any
related materials regarding West Alabama Bank’s obligations to you,
the terms of this Agreement will control. If any provision of this
Agreement is unlawful or unenforceable, each such provision or
writing will be without force and effect without thereby affecting
any other provision hereof. No consumer protection provision of the
Federal Electronic Fund Transfer Act or Federal Reserve Board
Regulation E is intended to be waived by you under this Agreement
unless the waiver is permitted by law. The parties agree to be bound
by the operating rules and guidelines of the National Automated
Clearing House Association and the applicable local automated
clearing house association as in effect from time to time with
respect to all automated clearing house transfers made hereunder.
This Agreement shall be governed by the substantive laws of the
United States, applicable federal regulations, and to the extent not
inconsistent therewith, the laws of the State of Alabama, without
regard to such state’s rules regarding conflict of laws.
Secure Communications: Our system ensures that data
exchanged between Your Computer and our computers is encrypted with
128-bit encryption – the strongest encryption available. Encryption
is accomplished through Secure Sockets Layers (SSL) which utilizes
mathematical formulas to “encrypt” or hide information from prying
eyes on the internet. Additionally, if SSL detects that data was
added or deleted after you sent it to the bank, the connection will
be severed in order to guard against any tampering. The most popular
browsers have the SSL security feature built in. To verify your
session is secure, ensure that https: instead of http: is located in
the address line on your web browser, and that a secure symbol (for
example a closed padlock) is located on the status bar of your
browser at the lower portion of the screen. The symbol https:
is correct for use of the Services and West Alabama Bank is not
liable for any loss you may incur as due to your failure to ensure
that the correct denotation appears in the address line on your web
Additional security information is available on our website: http://www.wabt.com.
Links: West Alabama Bank believes that the internet
links we provide function properly. However, West Alabama Bank has
no control over what is displayed and accepts no responsibility for
the site content.
Hardware and Software: In order to use the
Services, you must have a personal computer, modem (or other
communications equipment) and the proper software installed and
working to access the internet through an internet service provider.
Your Computer must provide encryption using a 128-bit key. You are
responsible for the installation, maintenance, and operation of Your
Computer. The risk of error, failure, or nonperformance is your risk
and includes the risk that you do not operate Your Computer
correctly. West Alabama Bank is not responsible for any errors or
failures from any malfunction of Your Computer. You are solely
responsible for maintaining up to date virus detection software and
for scanning Your Computer for computer viruses. West Alabama Bank
is not responsible for any computer virus related problems that may
be associated with the use of Internet Banking. West Alabama Bank
will have no liability to you for any damages or other loss, direct
or consequential, which you may suffer or incur by reason of your
use of Your Computer.
Eligible Accounts: Access to the Services requires
that you have at least one eligible deposit account with West
Alabama Bank. If you have more than one account with West Alabama
Bank the accounts may be linked so long as you are an owner or
signor on the account(s). No account that is owned in a fiduciary
capacity or requires two or more persons acting jointly through
signature or otherwise, to initiate a transaction or transfer is
eligible for the Services and you should notify West Alabama Bank
immediately if such an account appears as an eligible account. Joint
accounts will still qualify to be linked if you, acting alone, are
authorized to access the account to initiate a transaction or
Online services: You may use West Alabama Bank’s
Internet Banking to perform any of the following services:
Accessing Your Accounts, Security and Your
Password and Login Security: Security is very
important to West Alabama Bank. When you complete the Internet
Banking Enrollment Form you will be assigned an “User ID” and
“Temporary Password”. When you login to the Services for the first
time, you will be prompted to change your temporary password to a
password known only to you. Because your password is used to access
your Accounts and Internet Banking, you should treat it as you would
any other sensitive personal data. You should carefully select a
password that is hard to guess. Keep your password safe. Memorize
your password and never tell or disclose your password to anyone.
To help prevent our customers from falling victim unauthorized use
of the Services, West Alabama Bank will not request your Access Code
via email or phone. If any portion of your Access Code is requested
of you in this manner, please contact West Alabama Bank immediately,
since you may be the target of phishing or other activities related
to identity theft.
West Alabama Bank is entitled to act on instructions received
through Internet Banking under your Access Code and without
inquiring into the identity of the person using the Access Code and
is not responsible for any loss you may incur for by the
unauthorized use of your Access Code and your failure to report the
same to West Alabama Bank under the terms of this Agreement.
Bank Responsibilities: West Alabama Bank shall be
responsible for performing Services expressly provided for in the
terms of this Agreement, and shall not be liable for any error or
delay so long as the bank has acted in accordance with the terms of
this Agreement and other applicable agreements. West Alabama Bank
shall not be liable if you do not have sufficient funds in a
designated Account to complete the transaction you initiate or if
the Account is closed. West Alabama Bank shall not be liable if you
have not given the bank complete, correct, or current transfer
instructions or if you have not followed proper instructions
provided through the Internet Banking website. West Alabama Bank
shall not be responsible for any loss, damage, liability, or claim
arising, directly or indirectly from any error, delay, or failure in
performance of any of its obligations hereunder which is caused by
fire or other natural disaster, strike, civil unrest, any
inoperability of communications facilities, or any other
circumstance beyond the control of the bank.
New Services: West Alabama Bank may from time to
time introduce new Services or enhance existing Services available
through Internet Banking. West Alabama Bank shall notify you in
writing or by a separate e-mail of these new or enhanced Services.
By using these new Services when they become available, you agree to
be bound by the terms and conditions relating to these Services,
notice of which will be sent to you, if required by applicable law,
prior to their release.
Consumer Liability – You must immediately notify
West Alabama Bank if you believe your Access Code has been lost or
stolen, or if you believe that an electronic fund transfer has been
made without your permission using your Access Code, information
from your Accounts, or the Services. Telephoning the appropriate
department as provided in the instructions below is the best way of
keeping your potential losses down. You could lose all the money in
your Account (plus the maximum available under your overdraft line
of credit). If you notify West Alabama Bank within two (2) Business
Days after you learn of the loss or theft of your Access Code or any
other unauthorized use of the Services, you can lose no more than
$50.00 if someone used your Access Code without your permission.
If you do NOT notify West Alabama Bank within two (2) Business Days
after you learn of the loss or theft of your Access Code and West
Alabama Bank can prove we could have stopped someone from using your
Access Code without your permission if you had told West Alabama
Bank, you could lose as much as $500.00.
Also, if your monthly Account statement shows transfers that you did
not make, including those made by debit card, credit card, or any
other means, notify West Alabama Bank immediately. If you do not
notify West Alabama Bank within sixty (60) days after the statement
was transmitted to you, you may not get back any money you lost
after the sixty (60) days if we can prove that we could have stopped
someone from taking the money if you had notified West Alabama Bank
in said time period. If a good reason (such as a long trip or a
hospital stay) inhibits you from notifying West Alabama Bank, we may
extend the time periods at our sole discretion.
Contact in event of unauthorized transfer. If you
believe your Access Code has been lost or stolen notify us
immediately by calling the Internet Banking department at
205-375-9573or writing to:
West Alabama Bank
Attn: Internet Banking Department
PO Box 580
507 1st Avenue West
Reform, AL 35481
You should also call the number or write to the address listed above
if you believe any transfer has been made using the information from
your Account or Access Code without your permission.
Contacting a department other than the one indicated above will not
be considered notification for the purpose of this Agreement.
Written confirmation. If you choose to provide
notification by telephoning the Internet Banking department you are
further required to give written confirmation of an error within 10
(ten) Business Days of the oral notification.
Procedures if financial institution determines no error or
different error occurred. If West Alabama Bank determines
that no error occurred or that an error occurred in a manner or
amount different from that which you describe then we will continue
in the following manner:
Written explanation. West Alabama
Bank will provide you a written explanation of our findings.
You have the right to request the documents relied on by West
Alabama Bank in making our determination and upon your request we
will promptly provide you with copies of the documents.
Debiting provisional credit. If, as a result of an
occurrence of an error different than what you have reported, West
Alabama Bank debits a temporarily credited amount from your Account,
we will notify you of the date and amount of the debiting.
Reassertion of error. If West Alabama Bank finds
that no error has been made or completes the procedure to correct an
error and you feel that the error remains uncorrected then you must
reassert the error under the terms of this Agreement.
Error resolution notice. West Alabama Bank will
mail or deliver to you, at least once each calendar year, an error
resolution notice if applicable. Alternatively, we may include
an abbreviated notice on or with each periodic statement.
Confidentiality. West Alabama Bank may disclose
information to third parties about your Account or the transfers you
(i) Where it is necessary for completing transfers, or
(ii) In order to verify the existence and condition of your Account
for a third party, such as a credit bureau or merchant, or
(iii) In order to comply with government agency or court orders, or
(iv) If you give West Alabama Bank your written permission.
Preauthorized credits. If you have arranged to have
direct deposits made to your Account at least once every sixty (60)
days from the same person or company, you can call West Alabama Bank
at 205-375-9573 or review your Account through Internet Banking
inquire as to whether or not the deposit has been made.
Periodic statements. You will receive a monthly
Account statement unless there are no transfers in a particular
month. In any case you will receive a statement at least quarterly.
Preauthorized payments. If you have in any
manner authorized West Alabama Bank in advance to make regular
payments out of your Account, you can stop some or all of these
payments by utilizing the following procedure:
(1) Call West Alabama Bank at 205-375-9573 or write West Alabama
Bank at the address provided below in time for us to receive your
request at least three (3) Business Days or more before the payment
is scheduled to be made. Be prepared to supply West Alabama Bank
with information regarding the payee, the amount of the payment,
your Account number, and all other pertinent payment data which West
Alabama Bank may request. If you call, we also require you to
put your request in writing and we must receive your request within
fourteen (14) days after you call. West Alabama Bank will charge you
a fee for each stop-payment order you give. Your oral
stop-payment order ceases to be binding on West Alabama Bank after
fourteen (14) days if you fail to provide the required written
(2) If you order West Alabama Bank to stop one of these
payments three (3) Business Days or more before the transfer is
scheduled pursuant to the terms of this Agreement, and we do not do
so, we may be liable for your losses or damages.
(3) All written notices for the purpose of this section must
be addressed to:
West Alabama Bank
Attn: Internet Banking Department
PO Box 580
507 1st Avenue West
Reform, AL 35481
Financial institution's liability. If West
Alabama Bank does not complete a transfer to or from your Account on
time or in the correct amount according to this Agreement, we may be
liable for your losses or damages. However, there are some
exceptions. West Alabama Bank will not be liable if:
Preauthorized transfers to your Account. When a
person or entity initiates preauthorized electronic fund transfers
to your Account at least once every sixty (60) days, West Alabama
Bank will provide you notice of the transfer by:
(i) Positive notice. Providing oral or written notice of the
transfer within two (2) Business Days after the transfer occurs; or
(ii) Negative notice. Providing oral or written notice, within two
(2) Business Days after the date on which the transfer was scheduled
to occur, that the transfer did not occur; or
(iii) Readily-available telephone line. Providing a readily
available telephone line that the consumer may call to determine
whether the transfer occurred and disclosing the telephone number in
this Agreement; or
(iv) Through the use of the Services.
Written or electronic authorization for preauthorized
transfers from your Account. Preauthorized electronic fund
transfers from your Account must be authorized in writing or
electronically prior to any preauthorized transfer and West Alabama
Bank may require the same to be signed by you.
Number. Whenever used, the singular form of a
term shall include the plural and the plural form of a term the
Severability. If any part of this Agreement
for any reason is declared invalid, such decision shall not affect
the validity of any remaining portion, which remaining portion shall
remain in force and effect as if this Agreement had been executed
with the invalid portion thereof eliminated.
Definitions. Any terms that are not defined
in this Agreement shall be defined by any related documents in
effect at the time of the acceptance of this Agreement.
Successors and Assignees. This Agreement shall be binding upon
the parties hereto and their respective heirs, successors, and
Address or Banking Changes: You agree to promptly
notify West Alabama Bank in writing of any address change.
Additionally, you agree to notify West Alabama Bank in writing at
least ten (10) Business Days in advance of any change in your
Accounts or your banking status.
Termination: West Alabama Bank reserves the right
to terminate this Agreement and your right to use Internet Banking
at any time and for any reason. Such termination may be without
prior notice to you, but we will notify you of termination by mail
at your last listed address.
I agree to the terms of this agreement.
PLEASE PRINT THIS FORM FOR YOUR RECORDS.