This Agreement governs the use of Miners National Bank of Eveleth’s Internet Banking Service, jointly referred to as the "Service," provided by Miners National Bank of Eveleth.
By using the Service to conduct transactions, you agree to the terms of this Agreement.

Definitions

As used in this Agreement, "account" and "accounts" mean the Miners National Bank of Eveleth account in which you are either the owner or joint owner. "Loan account" and "loan accounts" mean any loan you have with the Financial Institution. "You," "your," and "yours" mean the person(s) using the Service. "We," "our," us," and "Financial Institution" refer to the individual Financial Institution (Miners National Bank of Eveleth) that holds your accounts.

Deposit and Credit Agreements

The terms and conditions in this Agreement shall have priority and take precedence over any existing terms and conditions in existing account and loan agreements you have with us in the event of a conflict.

Required Equipment

In order to use the Internet Banking Service, you need a computer (in this Agreement, your computer and the related equipment are referred to together as your "Computer") with a web browser (see browser compatibility below), Login ID, and Internet Banking Password. The Login ID and Password are confidential information you use to access your account(s) through Internet Banking.

Browser Compatibility

                        Windows (Vista and XP)

  • Internet Explorer (version 7.0 +)
  • Mozilla Firefox (2.0 +)
  • Opera (version 9.0 +)
  • Safari (version 3.0 +)
  • Chrome (version 4.0 +)

                        Mac

  • Safari (version 3.0 +)
  • Internet Explorer (version 7.0 +)
  • Mozilla Firefox (All)
  • Opera (version 10.10 +)
  • Chrome (version 4.0 +)

                        Linux/Unix

  • Mozilla Firefox (all versions)
  • Konqueror (version 3.0 +)
  • Opera (version 5.0 +)

The following browsers are not compatible with Cavion Internet Banking version 3.5.

  • AOL
  • WebTV
  • OmniWeb
  • iCab
  • Netscape Navigator
  • Lynx

Internet Explorer version 6.0 is no longer supported by Microsoft and is no longer supported by Google as of March 1, 2010.

Cavion Mobile Professional is functional with any WAP compatible browser as well as HTML compatible mobile handsets.

You are responsible for the installation, maintenance, and operation of your Computer, browser and the software. Miners National Bank of Eveleth is not responsible for any errors or failures from any malfunction of your Computer, the browser or the software. Miners National Bank of Eveleth is also not responsible for any Computer virus or related problems that may be associated with the use of an online system.

The Service

To use Internet Banking, you must have at least one Miners National Bank of Eveleth
personal account and an Internet Banking Login ID and Password. Through Internet Banking, you will have access to any of your Miners National Bank of Eveleth share accounts or loan accounts. Miners National Bank of Eveleth reserves the right to deny access to a deposit account or loan account or to deny transactions under certain circumstances.

Description of Internet Banking

The Service allows you to perform some or all of the following functions from your Computer:

Online Account Access Functions and Limitations of Transfers

You may use Internet Banking to (a) transfer funds between your accounts; (b) obtain account balances; (c) obtain history and transaction information on your accounts; and (d) obtain loan account balance information. These features are limited to the extent, and subject to the terms, noted below.

  1. Your ability to transfer funds between certain accounts is limited by federal law and the Deposit Agreement. You should refer to the Deposit Agreement for legal restrictions and service charges applicable for excessive withdrawals or transfers. Transfers made using the Internet Banking Service are counted against the permissible number of transfers described in the Deposit Agreement.
  2. There may be at least a one-business-day delay in transferring funds between your accounts. Except as provided in this Agreement, all Internet Banking transaction instructions received by 2:15 p.m. CST will be completed that business day. Any instruction received after 2:15 p.m. CST will be completed the next business day. However, if you need your loan payment posted on today’s date, you may stop by the bank or call 128-744-5465 or 1-800-741-3966 until 5 p.m. CST Monday-Friday.
  3. Transactional information for your accounts will be available from Internet Banking for a minimum of six months from the date of inquiry.

Login ID, Password and Security

Your Internet Banking Login ID and Password are required to access Miners National Bank of Eveleth’s Internet Banking functions. You agree not to give or make available your Login and Password to any unauthorized individual. If you believe your Login ID or Password have been lost or stolen, someone has attempted to use the Internet Banking Service without your consent, your deposit account(s) or loan account(s) have been accessed, or someone has transferred money without your permission, you must notify Miners National Bank of Eveleth immediately (see Contact Information below). Miners National Bank of Eveleth does not maintain a record of your Login ID or Password. If you lose or forget your Login ID or Password, contact Miners National Bank of Eveleth immediately so that you may select a new confidential Login ID and Password.

Your Liability for Unauthorized Transfer

Tell us AT ONCE if you believe your Login information has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your accounts (plus your maximum overdraft line of credit and open-end credit). If you believe your Login information has been lost or stolen, and you tell us within 60 business days after you learn of the loss or theft, you can lose no more than $50.00 if someone used your Login information without your permission. If you do NOT tell us within sixty business days after you learn of the loss or theft of your Login information, and we can prove we could have stopped someone from using your account/and or Login information 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 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. 

Errors and Questions

Telephone us 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. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. Your inquiry must include:

  1. Your name and account number,
  2. A description of the error or the transfer you are unsure about and an explanation of why you believe it is an error or why you need more information,
  3. The dollar amount of the suspected error, and
  4. The date of occurrence.

FOR CONSUMER TRANSACTIONS: If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will generally tell you the results of our investigation within 10 business days of the receipt of your complaint or question (20 business days if the transaction involved an account opened within the past 30 days). If we need more time, however, we may take up to 45 days or 90 days for errors involving new accounts, point-of-sale, or foreign-initiated transactions. If we decide to do this, we will credit your account within 10 business days or 20 business days for new accounts 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 decide there was no error, we will send you a written explanation within three business days after completing our investigation. You may ask for copies of the documents that we used in our investigation.

Data Recording

When you access Internet Banking to conduct transactions, the information you enter may be recorded. By using Internet Banking, you consent to such recording.

No Signature Required

When using Internet Banking to conduct transactions, you agree that the Financial
Institution may debit your account to complete the transactions, or honor debits you have not signed.

Disclosure of Account Information to Third Parties
 
We will disclose information to third parties about your account or transfers you made:

  1. When it is necessary to complete the transfers;
  2. In order to verify the existence and conditions of your account for a third party, such as a credit bureau or merchant;
  3. In order to comply with a government agency or court orders; or
  4. If you give us written permission.

Charges

You will not be charged for the "view accounts", or "transfer funds" features of Miners National Bank of Eveleth's Internet Banking. NOTE: Your accounts and loan accounts are still subject to the fees, charges, balance requirements, etc. articulated in the Deposit Agreement and Loan Agreement.

Alterations and Amendments

The terms of this Agreement, applicable fees, and service charges may be altered or amended by Miners National Bank of Eveleth from time to time. In such event, Miners National Bank of Eveleth shall send notice to you either at your address as it appears on Miners National Bank of Eveleth’s records or by online notice through Internet Banking. Any continuation of Internet Banking after Miners National Bank of Eveleth sends you a notice of change will constitute your agreement to such change(s). Further, Miners National Bank of Eveleth may, from time to time, revise or update the Miners National Bank of Eveleth program, services, and/or related material(s) rendering such prior versions obsolete. Consequently, Miners National Bank of Eveleth reserves the right to terminate this Agreement as to all such prior versions of the Miners National Bank of Eveleth programs, services, and/or related material(s) and limit access to Miners National Bank of Eveleth’s more recent versions and updates.

Address Changes

You agree to promptly notify Miners National Bank of Eveleth, in writing, of any address change.

Termination or Discontinuation

The use of Internet Banking does require enrollment on your behalf.  Please contact Miners National Bank of Eveleth if you no longer wish to use the Internet Banking Service. However, any transactions or payments you have previously authorized will be completed as instructed. Neither termination nor discontinuation shall affect your liability or obligation under this Agreement.

Payee Limitation

Miners National Bank of Eveleth reserves the right to impose a frequency or dollar limit on or refuse to make any payment you have directed. Miners National Bank of Eveleth is obligated to notify you promptly if it decides to refuse to complete your payment instruction. This notification is not required if you attempt to make payments which are prohibited under this Agreement.

Disputes

In the event of a dispute regarding Internet Banking, you and Miners National Bank of Eveleth agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and Miners National Bank of Eveleth, which supersedes any proposal or prior agreement, oral or written, and any other communications between you and Miners National Bank of Eveleth relating to the subject matter of this Agreement. If there is a conflict between what one of Miners National Bank of Eveleth’s employees says and the terms of this Agreement, the terms of this Agreement have final control.

Assignment

You may not assign this Agreement to any other party. Miners National Bank of Eveleth may assign this Agreement to any present or future, directly or indirectly, affiliated company. Miners National Bank of Eveleth may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

No Waiver

Miners National Bank of Eveleth shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by Miners National Bank of Eveleth. No delay or omission on the part of Miners National Bank of Eveleth in exercising any right or remedy shall operate as a waiver of such right or remedy or any other rights or remedies. A waiver on any particular occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

Captions

The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.

Governing Law

This Agreement shall be governed by the laws of the jurisdiction in which the Financial Institution is located and by applicable Federal laws and regulations.

Federal Disclosure

You agree to accept this disclosure online rather than a paper disclosure. We recommend you print the entire Agreement and Disclosure for your records. If you are unable to print this, please request a paper disclosure to be mailed to you.

Contact Information

Miners National Bank of Eveleth
401 Grant Avenue PO Box 120
Eveleth, MN  55734
Phone (218) 744-5465
Toll Free 1-800-741-3966


NOTICE: The bank is not responsible for and has no control over the subject matter, content, information or graphics of the web sites that have links here. Please contact us with any concerns or comments.

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