Terms governing electronic transactions on your Keystone National Bank accounts.
Last updated: January 15, 2024
This Electronic Fund Transfer Agreement ("Agreement") governs your use of electronic banking services, including online banking, mobile banking, ATM services, point-of-sale transactions, and other electronic fund transfer services provided by Keystone National Bank. This Agreement is incorporated by reference into your customer Terms and Conditions.
By using Keystone electronic services, you authorize us to initiate the transactions you request. You agree that transactions initiated through your credentials are made by you or persons you have authorized. You are responsible for maintaining the confidentiality of your login credentials and any security device issued to you.
Transactions are generally processed on business days (Monday through Friday, excluding federal holidays). Transfers between accounts may be available immediately; transfers to external institutions may take 1–3 business days to post. Certain limits may apply based on your account type and risk profile.
If you believe an error has occurred in an electronic transaction, contact us immediately at (270) 300-9913 or visit a branch. We will investigate and correct any confirmed errors promptly, generally within 10 business days. You should notify us of any error no later than 60 days after the statement date on which the error appears.
Notify us immediately if you believe your credentials or card have been lost, stolen, or used without authorization. Your liability for unauthorized electronic transfers is limited in accordance with applicable law, provided you notify us in a timely manner and cooperate fully in our investigation.
We may modify this Agreement at any time. We will provide you with notice of any material changes as required by applicable law. You may close your electronic services at any time, and we may suspend or terminate services for your protection or as required by law.
For questions about this Agreement, the full Terms and Conditions, or the Schedule of Fees, please contact us at (270) 300-9913 or email info@keystonenationalbnk.com.