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Welcome to our Online Enrollment Form for Internet Banking.
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Tri Valley Bank Online Banking Agreement
If you are currently an accountholder with Tri-Valley Bank we welcome you to enroll for Internet Banking. With Tri-Valley Bank’s Internet Banking, current customers can: • Check balances on checking, savings, certificates of deposit or loan accounts. • Check transaction history on checking, savings, certificates of deposit or loan accounts. • Transfer funds from savings to checking. • Transfer funds from checking to checking. • Transfer funds from checking to savings. • Transfer funds from checking (or savings) to make loan payments. • Order checks from Essex Chex Express. **Internet Banking transactions have a cut-off time of 1:00 p.m. If you conduct an internet transaction before 1:00 p.m. on Monday through Friday on a business day that we are open, we will consider that to be the day of your transaction. However, if you conduct a transaction after 1:00 p.m. on Monday through Friday or on a day that we are not open, we will consider that the transaction was made on the next business day we are open. Business Days/Hours of Operation In the Randolph Office our lobby hours are 9:00 a.m. to 3:00 p.m. Monday through Friday, and 8:30 a.m. to 11:00 a.m. on Saturday. In the Essex Office our lobby hours are 8:00 a.m to 4:00 p.m. Monday through Friday, and 8:30 a.m. to 11:00 a.m. on Saturday. Everyday is a business day, except for Saturdays, Sundays, and Tri-Valley Bank holidays. Our policy is to make funds available to you on the same day we receive your deposit. However, Internet Banking transactions have a cut-off time of 1:00 p.m. If you conduct an internet transaction before 1:00 p.m. on Monday through Friday on a business day that we are open, we will consider that to be the day of your transaction. However, if you conduct a transaction after 1:00 p.m. on Monday through Friday or on a day that we are not open, we will consider that the transaction was made on the next business day we are open. You are free to schedule internet transfers/payments 24 hours a day, seven days a week with Internet Banking, except during maintenance periods. Maintenance periods will be every Wednesday 5:00-7:00 a.m. CST for weekly backups and loading of releases. If you have inquiries regarding your account please contact us at: Tri-Valley Bank Essex Banking Center 104 Main Street An Office of Tri-Valley Bank P.O. Box 87 523 Iowa Avenue P.O. Box 249 Randolph, Iowa 51649 Essex, Iowa 51638 1-888-625-2201 1-866-379-2201 Documentation Computer transfers - You will receive a confirmation number at the time you make any transfer to or from your account using Internet Banking. This number will be documented on your statement with the transaction. Periodic statements - You will receive a monthly account statement from us for your checking and savings account(s). Preauthorized Payments Right to stop payment and procedure for doing so - If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how: Call or write us at the telephone number or address listed above in time for us to receive your request three business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. Liability for failure to stop payment of a preauthorized transfer - If you order us to stop one of these payments three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Notice of Your Rights and Liabilities PIN Security - Security of your transactions is important to us. Use of the Services may therefore require a PIN or password. If you lose or forget your PIN or password, please call 1-888-625-2201 during normal business hours listed above. We may accept as authentic any instructions given to us through the use of your password or PIN. You agree to keep your PIN and password secret and to notify us immediately if your PIN or Password is lost or stolen, or if you believe someone else has discovered your PIN or password. You agree that if you give your PIN or password to someone else, you are authorizing them to act on your behalf, and we may accept any instructions they give us. Online Banking Services enables you to change your password and we require that you do so regularly. (Notice of Rights and Liabilities continued) Our Liability - We may be liable for certain security breaches to the extent required by applicable law and regulations. We do not assume any other liability or otherwise guarantee the security of information in transit to or from our facilities. Please note that we reserve the right to (1) monitor and/or record all communications and activity related to the Services: and (2) require verification of all requested transfers in the manner we deem appropriate before making the transfer (which may include written verification by you). Your Agreement - You agree that our records will be final and conclusive as to all questions concerning whether or not your PIN or password was used in connection with a particular transaction. If any unauthorized use of your PIN or password occurs you agree to (1) cooperate with us and appropriate law enforcement authorities in identifying and prosecuting the perpetrator; and (2) provide reasonable assistance requested by us in recovering any unauthorized transfer of funds. Lost or Stolen PIN/Unauthorized transfers - Notify us immediately if you believe your PIN or password has been lost or stolen. Telephoning is the best way to keep your possible losses down. You could lose all of the money in your account (plus your maximum line of credit). If you tell us within two (2) business days you can lose no more than $50.00. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your PIN or password, and we can prove we could have stopped someone from using your PIN or password without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers 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 not get back any funds you lost after the 60 days if we can prove that we could have prevented someone from taking the funds if you had told us in time. If you believe your PIN or password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call 1-888-625-2201 during normal business hours as listed above. WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN PINS OR PASSWORDS OR UNATHORIZED TRANSFERS VIA E-MAIL. Financial Institution’s Liability Liability for failure to make transfers - 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: 1. If, through no fault of ours, you do not have enough money in your account to make the transfer. 2. If you have an overdraft line and the transfer would go over the credit limit. 3. If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. (Financial Institution’s Liability continued) 4. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we may have taken. 5. There may be other exceptions stated in our agreement with you. We will disclose information to third parties about your account or the transfers you make: 1. Where it is necessary for completing transfers; or 2. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or 3. In order to comply with government agency or court orders; or 4. If you give us written permission. Error Resolution Notice In case of errors or questions about your electronic transfers, call or write us at the telephone number or address above, 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. 1. Tell us your name and account number (if any) 2. 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. 3. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question 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 (90 days if the transfer involved a new account) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) 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. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you has an established account with us before the account is opened. 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. eAlert Terms & Conditions Tri-Valley Bank’s email and text alerts enable you to receive certain information regarding eligible accounts you have selected for the service. By subscribing to this service, you acknowledge that you are aware of and agree to the terms and conditions hereof, which terms are made a part of your Online Banking Agreement. You may receive alerts through a text- or web-enabled mobile device, an email account that is accessed via a personal computer, or both. It is your responsibility to determine if your service provider supports text messaging and your telephone or other mobile device is capable of receiving text messages. The alerts are also subject to the terms and conditions of your agreement(s) with your cellular phone carrier, internet and/or other service provider. The alerts may be subject to text messaging charges by your carrier. You are responsible for any fees imposed by your service providers. We will send alerts based upon the instructions you provide to us. In addition to any other obligations you may have, it is your responsibility to correctly enter and keep current any email address and/or mobile device number activated with Mobile Banking Service, as required for the type of alert you have selected. We may send these alerts in an unencrypted format. You consent to delivery by the method you have selected and to sharing of information with anyone who may have access to your telephone, mobile, computer or other device. Alerts are not designed to replace any other notices we send to you. You agree to continue to review all correspondence from us regarding your accounts and services with us. If we do not send or you do not otherwise receive an alert we send, or such is delayed or misdirected for any reason, such does not affect your liability, rights or responsibilities with respect to your accounts and services and you agree that we will not be liable for our failure to send alerts as described herein. We reserve the right to terminate this service or begin charging a fee for this service at anytime without notice, except as may be required by law. Nothing herein shall amend, supersede or nullify any other agreement you may have with us.
Yes, I have read and agree to the Tri-Valley Bank Online Banking Agreement.
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