Agreement and Acceptance of Terms

This is a legal Agreement between you and Albank for the use of this service (the "Service"). Either you or Albank may terminate this Agreement. You may terminate this Agreement and your use of the Service at any time, or Albank may terminate this Agreement at any time with or without notice on your default or breach hereof.

Acceptance of Terms

If you do not agree to the terms and conditions in this Agreement, do not register for or use the Service. By completing the registration and using the Service, you signify your agreement with the terms and conditions of this Agreement. This Agreement may be updated from time to time. Upon any change, Albank will notify you by email. If you continue to use the Service thereafter, your continued use of the Service constitutes acceptance of the changes and an agreement to be bound by this Agreement, as amended. If you do not agree to the changes, you agree to discontinue your use of the Service.

Description of Service

Albank provides a personal financial information management service that allows you to consolidate and manage your personal financial information.

User Information

In order to activate the Internet Banking Service, you will need to provide some Personal Information.

Privacy

Albank will not sell, exchange, or release your Personal Information or Account Information to any third party without your express permission, unless required by law or court or governmental order.

User Responsibilities

You agree to provide accurate and complete Personal Information required to activate the service. You agree to provide accurate and complete Account Information required to utilize the service. You agree to keep your Personal Information and Account Information up to date and accurate. You agree to protect the confidentiality of your password and your account, not to disclose your password to other parties, and to notify Albank immediately of any unauthorized use of your password or account. You agree not to use the Service to conduct any business or activity or solicit the performance of any activity which is prohibited by law. You agree that your right to use the Service is personal to you, and may not resell or make any commercial use of the Service.

Limitation of Warranties and Liability; Disclaimer of Warranties

YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. Albank EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. Albank DOES NOT WARRANTY THAT THE SERVICE WILL MEET YOUR NEEDS, OR THAT THE OPERATION WILL BE ERROR FREE OR UNINTERRUPTED, OR THAT ALL ERRORS IN PROGRAMMING WILL BE CORRECTED.NEITHER Albank NOR ANY OF ITS UNDERLYING SERVICE PROVIDERS, INFORMATION PROVIDERS, LICENSORS, EMPLOYEES, DISTRIBUTORS OR AGENTS SHALL HAVE ANY LIABILITY FOR INCIDENTAL, CONSEQUENTIAL, INDIRECT OR SPECIAL DAMAGES SUFFERED BY YOU OR ANY OTHER PARTY AS A RESULT OF THE OPERATION, INABILITY TO OPERATE OR MALFUNCTION OF THE SERVICE, REGARDLESS OF WHETHER OR NOT SUCH PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Indemnification

You agree to protect and fully compensate Albank and its affiliates, and service providers from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorney's fees) caused by or arising from your use of the Services, your violation of this Agreement or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone.

General

This Agreement and the Service shall be governed by the laws of the State of Illinois, without regard to its conflicts of law provisions. If any provision or provisions hereof shall be held to be invalid, illegal, or unenforceable, the validity, legality, and enforceability of the remaining provisions shall not be in any way affected or impaired thereby. Such unenforceable provisions shall be construed, to the extent possible, to reflect the intentions of the parties. This Agreement and any modifications published by Albank over the Service constitute the entire and only agreement between you and Albank with respect to the Service.

Alerts

Your enrollment in Albany Bank and Trust Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Albany Bank and Trust account(s). Alerts are provided within the following categories: Mandatory Alerts provide you with important account notifications, such as information about changes to your Online Banking password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts. Account Alerts provide you with notification of important account activities or when certain changes are made to your Service accounts, such as scheduled payments made, scheduled payments cancelled and mobile deposits. These Alerts are automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not do so because they provide important information related to your Service accounts. Additional Alerts must be activated by you to be enabled. These Additional Alerts can be accessed from the Alert menu within Albany Bank and Trust Online Banking and Alert menu within Albany Bank and Trust Mobile Banking. Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts though your mobile device. We may add new Alerts from time to time, or cancel old Alerts. We usually notify you when we cancel Alerts, but are not obligated to do so. Albany Bank and Trust reserves the right to terminate its Alerts service at any time without prior notice to you. 

Methods of Delivery. We may provide Alerts through one or more channels (“EndPoints”): (a) a mobile device, by text message, (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your Albany Bank and Trust Online Banking message in-box, by an e-mail message. You agree to receive Alerts through these EndPoints, and it is your responsibility to determine that each of the service providers for the EndPoints described in (a) through (c) above supports the email, push notification, and text message Alerts provided through the Alerts service. Please be advised that text or data charges or rates may be imposed by your EndPoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you Alerts. If your email address or your mobile device's number changes, you are responsible for informing us of that change. Your Alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number. 

Alerts via Text Message. To stop Alerts via text message, text "STOP" to 99588 at anytime.  Alerts sent to your primary email address will be unaffected by this action. To restore Alerts on your mobile phone, just visit the Alerts tab in Albany Bank and Trust Online Banking and click the box next to your mobile number for the Alerts you'd like to receive again.  For help with SMS text alerts, text “HELP” to 99588. In case of questions please contact customer service at 773-267-7300. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS. 

Limitations. Albany Bank and Trust provides Alerts as a convenience to you for information purposes only. An Alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide Alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any Alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside Albany Bank and Trust’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold Albany Bank and Trust, its directors, officers, employees, agents, and service providers liable for losses or damages, including attorneys' fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose. 

Alert Information. As Alerts delivered via SMS, email and push notifications are not encrypted, we will never include your passcode or full account number. You acknowledge and agree that Alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your Alerts will be able to view the contents of these messages. 

Business Customers

Please print and complete our Business Internet Banking Application and drop it off at one of our convenient locations. A personal banker will be happy to assist you in completing the enrollment process.

By clicking "I agree", I acknowledge that I have read and accept the above terms and conditions