Terms & Conditions

Online Banking Terms and Conditions Agreement

Please read the information below carefully.

If you are applying for Online Banking, click "I agree" at the bottom of the page to continue the application process.

You may then download our Application Form. Please print it out, complete it, and return it to:

Patriot Bank
1815 Little Road
Trinity, FL 34655
(727) 376-1776

The Patriot Bank's Online Banking Service allows customers to view account information and make internal transfers. The Bill Payment feature is an optional service for checking accounts. You may add the Bill Payment feature, if approved by the bank, at any time by calling the Online Banking Representative at any of our locations, or email at customerservice@patriotbankfl.com.

I. Introduction

This Agreement is a contract between you and Patriot Bank that outlines and governs the Terms and Conditions for accessing your personal and commercial accounts via Patriot Bank's Online Banking Services. This agreement explains the terms and conditions which govern the following online banking services:

  • Account and Balance Inquiries
  • Account Transfers
  • Automatic Bill Payment
  • Secure E-mail to Bank
  • Stop Payments
  • Transaction Downloads

By using the Online Banking Services provided by Patriot Bank, you agree to abide by the terms and conditions of this agreement. All applicable federal laws and regulations will govern this agreement. In the event that no federal law applies, laws and regulations effective in the State of Florida will govern the agreement.

Some of the terms set forth in this agreement are governed by the Electronic Funds Transfer Act ("EFT Act") which is only applicable to consumers. Commercial Account holders are not entitled to the rights provided under the EFT Act.

In order to use Patriot Bank's Online Banking Service, you must accept the Terms and Conditions by click on the "I Agree" button at the end of this Agreement, you agree to abide by all of the Terms and Conditions of this Agreement and acknowledge your receipt and understanding of this Agreement. Please read this Agreement carefully and print a copy for your records.

The term "business day" refers to Monday through Friday, excluding Saturday, Sunday and federal banking holidays.

II. Accessing Your Accounts

In order to activate your Online Banking Service, you must have at least one checking, savings, certificate of deposit, or loan with Patriot Bank.

Patriot Bank is entitled to act on instructions received through Online Banking under your passcode and without inquiring into the identity of the person using that passcode. You should not, under any circumstances disclose your passcode by telephone or to anyone claiming to represent Patriot Bank. Bank employees do not need and should not ask for your passcode.

As a customer of Patriot Bank, you may access your accounts by selecting and using an online passcode (PIN) and by paying any required fees as described in this Agreement. You should keep your PIN in a secure location. Any person having access to your Patriot Bank Online Banking PIN will be able to access the Internet Banking Service and perform all transactions, including reviewing account information and making transfers to other accounts which have mutual ownership. You are liable for all transactions made or authorized using your passcode.

If, despite the Bank's advice, you give your passcode to anyone, you do so at your own risk since anyone to whom you give your passcode or other means of access will have full access to your account(s) even if you attempt to limit that person's authority.

The first time you log on to the Online Banking System, you will be required to change the initial passcode to within the below requirements:

  • Minimum Password Length 6
  • Maximum Password Length 16
  • Passwords are alpha or numeric or a combination of both
  • Passwords are case sensitive (must be entered exactly as input with upper and/or lower case characters)
  • Passwords can be changed at any time by the account holders through Patriot Bank's Online Banking Service
  • Passwords expire every twelve (12) months

If you suspect that an unauthorized person has access to your passcode or believe your passcode has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred funds without you permission, you must notify Patriot Bank immediately.

Call the Patriot Bank Online Banking Department at (727) 376-1776 and tell a representative about your security concern.

The Patriot Bank's Online Banking Representatives are available Monday through Friday, 9:00 a.m. until 4:00 p.m. excluding Federal Bank Holidays.

New services will be added to this list as they become available.

Please refer to Section III - Fees and Charges for Online Banking Services. There are no additional fees or charges, other than those outlines in Section III, for transferring funds between accounts at Patriot Bank through Patriot Bank's Online Banking.

You may use your personal computer to:

  • View account balances and transaction history
  • Transfer funds from checking and savings accounts into:
  • Other Patriot Bank checking and savings accounts which belong to you
  • Loan accounts that belong to you
  • Establish automatic transfers from one of your accounts to another (from checking and savings to checking, savings or loans)
  • Pay bills to any merchant, institution or individual with a U.S. mailing address
  • Communicate directly with Patriot Bank via E-mail

Other services may be added to Patriot Bank's Online Banking Service and will be communicated to our customers as the additions are made.

III. Terms and Conditions

The first time you access any of your accounts through Patriot Bank's Online Banking Service, you confirm your agreement to abide by all the terms and conditions of this Online Agreement and acknowledge your receipt and understanding of this disclosure.

Fees and Charges

Patriot Bank reserves the right to cancel your online service at any time without notice due to insufficient funds in one or more of your accounts. After cancellation, service may be reinstated at the discretion of the bank provided that funds are available to cover the cost of any fees and /or pending transfers. To reinstate your service, contact a Patriot Bank Online Banking Representative at one of our locations.

If you do not access your accounts via Patriot Bank's Online Banking Service for any consecutive three (3) month period, Patriot Bank reserves the right to disconnect your service. (See paragraph above for reinstatement of service information.)

If you do not schedule or process a payment with your Patriot Bank Bill Payment system within a three (3) month period, Patriot Bank reserves the right to discontinue your Bill Payment Service.

You agree to be responsible for any local or long distance telephone charges or Internet Service Provider (ISP) charges that you incur by accessing your accounts via Patriot Bank's Online Banking Service.

If you wish to cancel any of your Patriot Bank Online Banking Services, please contact a Patriot Bank Online Banking Representative at one of our locations or send us cancellation instructions in writing to Patriot Bank, 3152 Little Road, PMB #376, Trinity, FL 34655-1864.

Hours of Accessibility

You may access Patriot Bank's Online Banking Service 24 hours per day, seven days per week. Necessary system maintenance will be scheduled for hours during which system traffic is normally at a minimum. If the system is unavailable due to an unanticipated problem, you may use one of our ATM machines, or a branch office (during regular business hours) to conduct your transactions

Additional Terms

Balance Information - You may access any eligible Patriot Bank Account on which you are an owner and signer to receive transaction history and balance information. The balance and account history will show the current balance of the account, including any transactions conducted prior to the inquiry. In progress returns due to non-sufficient funds or stop payments may not be reflected in the inquiry.

Account Information - Account balances and activity is current information. Funds transferred between related accounts is initiated on your computer using Online Banking and received by the bank before 4:00 p.m. EST Monday through Friday will be effective on the current business day. Transfers processed on your computer using Online Banking and received after 4:00 p.m. EST Monday through Friday or all day Saturday, Sunday and banking holidays will be effective the following business day.

Transaction Sessions - You will be automatically disconnected from this service after 10 minutes of inactivity.

IV. Bill Payment

Through Patriot Bank's Online Banking Service you may subscribe to our optional Online Bill Payment system. The Bill Payment service allows you to schedule payments through your online banking system for current, future and recurring bills from your checking or savings account. You must designate a specific checking or savings account (excluding money market accounts) as your bill payment account.

Restrictions

We will not permit you to use a money market checking or money market savings account as your Bill Payment Account, because Federal regulations require us to limit either by contract or in practice the number of certain types of transfers from money market deposit accounts. Under these regulations, you are limited to six (6) preauthorized electronic funds transfers and telephone transfers, including Patriot Bank's Online Banking transactions, checks, and point-of-sale transactions per month. Of these six transactions, you are limited to no more than three (3) transactions per month by check or point-of-sale. Each funds transfer or payment through Patriot Bank's Online Banking Service from your savings or money market deposit account is counted as one of the six limited transfers you are permitted each month. Payments to your loan account are not counted toward this limit.

Accountholders that require two (2) signatures for withdrawal purposes will be unable to access the Online Banking Bill Payment Service.

Eligibility

You may pay any merchant or individual approved for payment by Patriot Bank for payment through the Online Bill Payment Service. We will be unable to process any payments to federal, state, or local tax agencies. Online Bill Payments are available only to payees with a U.S. mailing address.

Bill Pay Procedure

By furnishing us with the names of your payees (merchants and/or individuals) and their addresses, you give us authorization to follow the payment instructions, which you provide to us via Patriot Bank's Online Banking Service for these payees. When we receive a payment instruction for the current date or a future date, we will remit the funds to the payee on your behalf from the funds in your selected account; on the day you have instructed them to be sent (Payment Date). We are not obligated to pay funds from your account(s) if the account balance is insufficient to cover the payment, unless your account has overdraft protection in an amount sufficient to cover the payment.

Stop Payments

You have the right to stop or change any scheduled payment. You must cancel the payment no later than 4:00 p.m. EST of the day prior to the Payment Date by calling a Patriot Bank Online Banking Representative at one of our locations. We shall not be liable to you due to a stop payment request if your order to do so is not presented prior to processing the payment. Once processing of the payment has begun, you can no longer stop payment.

Note

Any payments made with Bill Payment require sufficient time for your payee to credit your account properly. To avoid incurring a finance charge or other charge, you must schedule a payment sufficiently in advance of the due date of your payment. In the event that the payee for your scheduled payment does not accept payments via the electronic system, your payment will be made by mailing a paper check. Paper payment requires a longer delivery time. Payments should be made seven (7) business days prior to the due date.

Liability

If you fail to schedule our payment according to the recommended time frame, Patriot Bank will not be responsible for the late fees or finance charges. We shall not be responsible for any charges imposed or any other action taken by a payee resulting from a payment hat you have not scheduled properly, including any applicable finance charges or late fees. Paper checks are mailed to the address you supply. Patriot Bank will not be responsible for processing incorrect information, which is supplied by you through the bill payment system, or for failure of the payment to process due to incorrect information. In addition, we will not be liable if any third party through whom any bill payment is made fails to properly transmit the payment to the intended payee. We will also not be liable if there are insufficient funds or credit availability in your designated payment account or overdraft protection plan, if a legal order prohibits us from conducting withdrawals to the payment account, if there is a hold on the account for uncollected funds or any other valid reason for hold, if the payment account is frozen or closed, or if any part of the electronic funds transfer system is not working properly. We will not be liable for indirect, special or consequential damages due to the use of Bill Payment.

Research Requests

To inquire about an Online Bill Payment, please contact a Patriot Bank Online Banking Representative at one of our locations.

Termination

Patriot Bank reserves the right to terminate your use of Bill Payment at any timer. If for any reason you should wish to terminate your use of Patriot Bank's Bill Payment System, we recommend that you cancel all future bill payment and transfers at the same time you cancel your account, either by deleting the payments yourself, or by calling a Patriot Bank Online Banking Representative at one of our locations. This will insure that future payments and transfers made by you will not be duplicated. We will automatically delete all outstanding payments and transfers (both one-time and recurring) once we have been notified that your service has been terminated. We will continue to maintain your accounts unless you notify us otherwise.

Bill Payment Fees

Refer to Section III - Fees and Charges for monthly fees and other charges for personal and business accounts.

Joint Account Holders

Each Bill Payment account may consist of either one individual account holder, or multiple (joint) account holders. Each account holder needs a unique Patriot Bank Online Banking passcode. The terms of this online banking agreement apply to all account holders enrolled in the Online Bill Payment program. In order to have a joint membership, all members must be joint signers on the checking or savings account (excluding money market accounts) linked to Bill Payment. Joint members share the same payee list, and are subject to the joint tenant rules contained in the Account Agreement and Signature Card for the checking or savings account. Either account owner may close the bill payment service.

V. General

Changes to Fees, Charges and Other Terms

We reserve the right to change the fees, charges or other terms outlined in the agreement. We will notify you 30 days prior to implementation of changes, either by written notice or e-mail, and will also update this agreement, if the changes to this agreement are more restrictive than those stated in the agreement, or increase your responsibility for unauthorized transactions. In the event that a change is necessary to ensure the security of the online system, an immediate change may be necessary, and we will notify you within 30 days after the change is made by electronic or written notice. You may choose to accept or decline changes by continuing or discontinuing the services to which the changes relate. We reserve the option to waive, reduce or reverse charges or fees in individual situations. Changes to fees applicable to specific accounts are governed by the applicable Account Disclosure.

Disclosure of Account Information

You authorize Patriot Bank and any affiliates to disclose to third parties, agents, and affiliates, such as independent auditors, consultants or attorneys, information you have provided or that we or our affiliates have obtained about your accounts and the transfers you make:

  • To comply with government agency requests or court orders
  • To verify the existence and condition of your account to a third party, such as a credit bureau or merchant
  • To provide services relating to your account or to offer other products and services
  • To other entities if you give us permission

Consumer Rights and Responsibilities

In addition to this Agreement, you agree to be bound by and comply with the Account Agreement and Account Disclosure, the rules and regulations of the electronic transfer system, and state and federal laws and regulations.

You, the consumer, are responsible for keeping your PIN and account data confidential. We are entitled to act on transaction instructions received using your PIN, and you agree that the use of your PIN will have the same effect as your signature, authorizing the transaction(s). If you authorize other persons to sue your PIN in any manner, your authorization will be considered unlimited in amount and manner until you have notified us in writing that you have revoked the authorization, changed your PIN, and that you are responsible for any transactions made by such persons until such time as we receive and have time to act upon the notification that transfers by that person, or instructions regarding your accounts, are no longer authorized.

The Bank reserves the right to terminate or modify this agreement and modify your access to Patriot Bank's Online Banking Service in whole or in part, at any time.

The Bank may assign certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

Unauthorized Transactions

You must notify us immediately if you suspect that another person has improperly obtained use of your online passcode. You must also notify us if someone has transferred or may transfer money from your bank account without permission, or if you suspect any fraudulent activity related to your account. You should reveal your account number only to legitimate entities for purposes you authorize, such as automatic payments to your insurance company. To notify us, call a Patriot Bank Online Banking Online Banking Representative at one of our locations.

If you believe your online passcode has been lost, stolen or compromised and you must tell us within two business days after you learn of the loss or theft.

Please tell us AT ONCE if you believe your PIN has been lost or stolen. Telephoning is the best way of keeping your possible losses down. If you do not notify us promptly, it is possible that you could lose all the money in your Account, plus any maximum overdraft line of credit. To notify us, call a Patriot Bank Online Banking Representative at one of our locations or email us at customerservice@patriotbankfl.com.

If your statement shows withdrawals, transfers or purchases that you did not make or authorize, please notify us at once.

Error Resolution

If you believe that there is an error regarding your account in conjunction with Patriot Bank's Online Banking Service or Bill Payment it should be handled as follows:

Call Patriot Bank and tell a representative about the problem at one of our locations.

Send a fax (727) 835-2019, Attention: Patriot Bank's Online Banking Representative and tell us the details of the problem, or

Write a letter and mail it to Patriot Bank's Online Banking Department, 1815 Little Road, Trinity, FL 34655 and tell us the details of the problem.

If you notify us verbally, we will require that you send us your problem in writing within ten (10) business days.

When you write us about your problem, please:

  • Include your name and account number(s).
  • Describe the error or transaction in question, and explain why you believe it to be an error.
  • Tell us the dollar amount of the suspected error.
  • If the problem involves a bill payment, tell us the checking account number used for payment, the payees name, date for which the payment was scheduled, payment amount, and any applicable payee account number or reference number.

We will not be liable:

  • If, through no fault of ours, you do not have enough money in your account to make a transfer or bill payment.
  • If a legal order directs us to prohibit withdrawals from the account.
  • If your account is closed or if it has been frozen.
  • If a hold has been placed on your account for uncollected funds.
  • If the transfer or payment would cause the account to become overdrawn beyond the balance of account plus any overdraft protection.
  • If you, or anyone you allow, commits fraud or violates any law or regulation.
  • If any electronic terminal, telecommunication device or any part of the electronic funds transfer system is not working properly.
  • If you have not provided us with complete and correct payment information, including without limitation the name, address, account number and payment amount of the payee on a bill payment.
  • If you have not properly followed the instructions for using Patriot Bank's Online Banking Bill Payment Service.
  • If circumstances beyond our control (such as fire, flood, hurricane, improper transmission or handling of payments by a third party) prevent the transfer or bill payment, despite reasonable precautions taken by us.

VI. Limitations on Bank Liability

We will not be responsible for the following incidents, errors or failures:

Access

We will not be responsible for failure to provide access or for interruptions in access to Patriot Bank's Online Banking Service or Online Bill Payment Service due to a system failure or due to other unforeseen acts or circumstances.

Your Computer Equipment or Software

We will not be responsible for any errors or failures from any malfunction of your computer or any computer virus or other problems related to your computer equipment used with Patriot Bank's Online Banking Service.

We are not responsible for any error, damages or other losses you may suffer due to the malfunction or misapplications of any system you use, including your browser (Microsoft Explorer Netscape Navigator, or otherwise), you Internet Service Provider (ISP), your personal financial management or other software (such as Quicken, or Microsoft Money, or any equipment you may use (including your telecommunications facilities, computer hardware and modem) to access or communicate with Patriot Bank's Online Banking Service.

Online Bill Payment

We are not responsible for postal delays or processing delays by the payee for any bill payment made through our Bill Payment Service.

VII. Other Provisions

Electronic Notice

With your consent, we may send notices to you by electronic mail (e-mail). You may use e-mail to contact us about inquiries, maintenance, and/or some problem resolution issues. E-mail may not be a secure method of communication. We therefore recommend that you don not send confidential personal or financial information by e-mail. There may be times when you need to speak with someone immediately, especially to report a lost or stolen PIN, or to stop a payment. In these cases, do not use e-mail. Instead call a Patriot Bank Online Banking Representative at one of our locations, during regular business hours, Monday - Friday 9:00 a.m. - 4:00 p.m., excluding Federal Bank Holidays.

Warranty and Software Limitations

Neither we, nor any or our Subsidiaries, any software supplier nor any information providers make any warranty, express or implied, to you concerning the software, equipment, browser or other services including, but not limited to, any warranty of Merchant Ability or Fitness for particular purpose (or non-infringement of third-party rights), unless disclaiming such warranty is prohibited by law.

Hours of Operation

Our Online Banking Representatives are available to help you Monday - Friday, 9:00 a.m. to 4:00 p.m., excluding Federal Bank Holidays.

Ownership of Website

The content, information and offerings on our website are owned by Patriot Bank, and the unauthorized use, reproduction, linking or distribution of any portions are strictly prohibited.

Geographic Restrictions

The Patriot Bank Online Banking Services described in this Agreement and available on our website are solely offered to citizens and residents of the United States of America currently residing in the United States. Citizens and residents outside the United States may not be able to access the Patriot Bank Online Banking or Bill Pay Service.

Scope of Agreement

This Agreement represents our complete agreement with you relating to our provision of the Patriot Bank Online Banking Services. No other statement, oral or written, including language contained in our website, unless otherwise noted, is a part of this agreement.

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