Service Agreement

Internet Banking Service Agreement

If you would like to talk with us about your enrollment, please call:

Laramie at (307) 721-9100

Gering at (800) 416-8281

Fort Collins (Mulberry) at (970) 530-1500

We are available Monday – Friday 8:00 a.m. to 5:00 p.m. (Mountain Standard Time)

Thank you for your interest in the Western States Bank Online Banking Service.

Please read this agreement and print it for your records before clicking on the “I Understand and Agree” button.

I understand & Agree

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This Internet Banking Service Agreement (“the Agreement”) explains the terms and conditions governing the use of basic Internet Banking Services offered by Western States Bank. All Internet Banking Services offered by Western States Bank (including, but not limited to funds transfers) will be referred to collectively as “Internet Banking Services” in this Agreement. By using any of the Internet Banking Services, you agree to abide by the terms and conditions of this Agreement as well as the Deposit Account Terms and Conditions, a copy of which may be accessed by calling your branch. All Internet Banking Services offered by Western States Bank are governed by this Agreement, as well as applicable Federal Regulatory disclosures and the Deposit Account Terms and Conditions of Western States Bank. Disclosure. You hereby acknowledge that you reviewed the Internet Banking Service Disclosure & Agreement, informing you of your rights under the Electronic Funds Transfer Act. Please Note: In this statement, the words “you” and “your” each refer to the person who uses or is authorized to use Internet Banking services. The words “we”, “our” and “us” refer to Western States Bank.

INTERNET BANKING AGREEMENT Use of the Internet Banking Services will confirm that you have reviewed this Agreement and applicable disclosures, both of which Western States Bank may amend from time to time. Your initial use of any Internet Banking Service in connection with your account(s) at Western States Bank constitutes your acceptance and agreement to be legally bound by all of the terms and conditions of the Agreement and of the Deposit Account Terms and Conditions.

Internet Banking Services. You have access to this service because you have one or more Checking, Savings and/or Loan account(s) with Western States Bank. Upon accessing this service for the first time you will be required to create a User ID and Password that will be used in connection with such accounts. Internet Banking Services requires you to have Internet access established. You may access the Internet Banking service and conduct the following transactions:

Transfer funds between:

  • Checking account(s)
  • Savings account(s)

Make payments to:

  • Loans
  • Overdraft Lines

Obtain the available balance(s) in:

  • Checking account(s) 
  • Savings account(s)
  • Loans
  • Certificates of Deposit/IRAs

Obtain the current balance(s) in:

  • Checking account(s)
  • Savings account(s)
  • Loans
  • Certificates of Deposit/IRAs

Obtain transaction history from:

  • Checking account(s)
  • Savings account(s)
  • Loans
  • Certificates of Deposit/IRAs

View images of selected transactions from:

  • Checking account(s)
  • Savings account(s)

Access other online payment methods from:

  • Checking account(s)
  • Savings account(s)

User/Access ID and Password. Access to Internet Banking may be made by personal computer or mobile device. Access requires the use of a unique User/Access ID and Password (collectively, the “Login Codes”). Use of Internet Banking with the Login Codes created by you will be deemed by us to be valid and authentic, and you agree that any communications to us under your Login Codes will be given the same legal effect as written and signed paper communications. You agree that electronic copies of communications are valid and you will not contest the validity of the originals, absent proof of altered data or tampering.

You understand that your Login Codes can be used to expend funds from your account and that this information must be safeguarded. You authorize Western States Bank and its agents to follow any instructions transmitted by use of your Login Codes, and you agree to be bound thereby. If accessing a business or commercial account, you certify that you are authorized to use the Login Codes. Western States Bank is entitled to act upon instructions received through any Internet Banking Service under your Login Codes without inquiring into the identity of the person using the Codes. However, you agree that you will not, under any circumstances, disclose your Login Codes to any person. You acknowledge that no employee of Western States Bank needs or should ever ask for your Login Codes. You are liable for all transactions made or authorized using your Login Codes. Western States Bank has no responsibility for establishing the identity of any person determining the validity of any transaction received using your Login Codes. If you provide your Login Codes to anyone, you authorize any transactions carried out by that person. Western States Bank assumes all transactions authorized by your Login Codes are legitimate. You hereby indemnify and release Western States Bank from any and all liability and agree not to make any claim against Western States Bank or bring any action against Western States Bank in honoring or allowing any actions or transactions where you have authorized the person performing the action or transaction to use your account or when you have provided your Login Codes to that person.

Lost or Stolen Login Codes. If you believe your Login Codes have been lost or stolen or that someone has used them without your authorization, you will immediately change your Internet Banking Password. This is done by accessing the Change Password option. If you wish to change your User ID you must contact us immediately by writing or calling us at:

Western States Bank
1425 10th St
Gering, NE 69341
(800) 416-8281

Business Accounts. If you have a business account you are liable for all transactions that occur on the account. As the owner of the business account, you authorize all transactions made by any other persons. As the owner of the business account you agree to be liable for any other parties designated (by being given the Login Codes) to conduct business on the account(s).

Multiple Party Accounts. For multiple party accounts, each person on the account will be liable for all transactions that are made on that account. Each person on a multiple party account authorizes all transactions made by any other signer(s) on the account(s). Each owner(s) on a multiple party account(s) agrees to be liable for the actions of the other owner(s) on the account. The limitations of liability set forth in this Agreement are subject to, and limited by any state or federal law to the contrary.

Charges. You agree to pay the charges or transaction fees which are charged by us for these services or for services which may later be offered as such fees or charges may be imposed or changed from time to time. Further, you agree to pay all telephone charges or fees incurred by accessing Internet Banking Services.

Amendments of this Agreement. Western States Bank has the right to modify or terminate this Agreement or the Deposit Account Terms and Conditions at any time. When making changes, Western States Bank will comply with all legal notice requirements. Once this Agreement is terminated Western States Bank will not allow any additional transactions on the account, nor will additional Internet Banking Services be permitted. If this Agreement is modified, your continued use of the Account will represent your acceptance of the changes.

Availability. Internet Banking Service is available 24 hours a day, 7 days a week. However, transactions are processed and information is updated on business days only.

Internet Banking transfer business days are Monday through Friday until 8:00 p.m. MST. Transfers made on weekends, holidays, or after 8:00 p.m. MST will be processed on the next business day, including transfers scheduled in advance.

Record of Transaction. You will receive a monthly statement showing the status of your account(s), transactions made during the past month, and any charges which may have been imposed for such services or transactions.

Liability for Unauthorized Transfers/Transactions. You will contact the bank immediately if you believe your Login Codes have been lost or stolen. If you notify us of a loss, your liability for unauthorized transfers or payments on a personal account will be as follows:

  • If you contact us within two business days of the loss, or your discovery of the loss, you can lose no more than $50.00 if someone used your Login Codes without your permission.
  • If someone used your Login Codes without your permission you could lose as much as $500 if you do not contact us within two business days after you learn of the loss and we can prove that we could have prevented the loss if you had contacted us.
  • If your monthly statement shows transfers or payments that you did not make and you do not contact us within 60 days after the statement was sent to you, you may not get back any funds lost after the 60 days, if we can prove that your contacting us would have prevented those losses.

Account Restrictions. Your name must appear in the legal title to make transfers between accounts, or you must be authorized to make such transfers.

If you indicate on your signature card or other opening documents that more than one signature is required for withdrawal, this indication is for your own internal procedures. It is not binding by us.
All transactions performed through our Internet Banking Service will be considered a Pre-authorized Electronic Funds Transfer.

Liability for Failure to Complete Payments or Transfers. If we fail to complete a transaction on time or in the correct amount, when properly instructed by you, we will be liable for damages caused by our failure unless:

  • The account has been closed or is not in good standing.
  • Your equipment or ours was not working properly and the breakdown should have been apparent to you when you attempted to conduct the transaction.
  • You have not given us complete, correct or current account numbers or other identifying information so that we can properly credit your account or otherwise complete the transaction.
  • You do not properly follow our instructions or if you provide us with wrong or inaccurate information or fail to correct or tell us about any inaccuracy of which you are aware.
  • You do not instruct us soon enough for your payment or transfer to be received and credited by the time it’s due.
  • The funds in the account from which a payment or transfer is to be made are subject to legal process or other claims restrict the transaction.
  • Circumstances or persons beyond our control prevent, delay, intercept or alter the transaction, despite reasonable precautions that we have taken.
  • There are insufficient funds in your account to complete the transaction.
  • We have reason to believe that the transaction requested is unauthorized.
  • The failure was caused by a natural disaster, fire, or other catastrophe, or by an electrical or computer failure or by other causes beyond our control.

In any case, we will only be liable for actual proven damages if the failure to make the transactions resulted from a bona fide error despite our procedures to avoid such error.

Change of Terms. You agree that we reserve the right to amend or terminate the services offered from time to time and we will notify you a minimum of 30 days prior to any change by written notice to your last known address.

Waiver of Agreement. Any waiver of any term of this Agreement by us on occasion will not prevent us from asserting our rights to these terms in the future.

Privacy. We will disclose information about your account or the transactions you make to third parties:

  • Where it is necessary to complete transactions,
  • To verify the existence and standing of your account with us upon the request of a third party, such as a credit bureau,
  • In accordance with your written permission,
  • In order to comply with court orders or government or administrative agency summonses, subpoenas, orders, examinations and escheat reports, and/or
  • On receipt of certification from a federal agency or department that a request for information is in compliance with the Right to Financial Privacy Act of 1978.

In Case of Errors or Questions about Your Electronic Transfers. If you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt, contact us as soon as possible. We must hear from you no later than 60 days after we sent your FIRST statement on which the error or problem appeared.

  1. Tell us your name and account number (if any).  If using e-mail, please only give the last four digits of your account number for security reasons.
  2. Describe the error on the transfer you are unsure about, and explain as clearly as you can why you believe there 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 (5 business days if involving a Visa transaction or 20 business days if the transfer involved a new account) 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, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question.  If we decide to do this we will credit your account within 10 business days (5 business days if involving a Visa transaction or 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 money during the time it takes us to complete our investigation.  If we ask you to put your compliant or question in writing and we do not receive it within 10 business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer.

We will tell you the results within three (3) 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.

Bill Pay and Popmoney® Transactions. All Bill Pay and Popmoney® transactions will be governed by a separate Terms of Service Agreement that must be accepted prior to conducting these transactions.

Charges for Transactions. There is a charge to use Bill Pay for any customers with a business checking account.  Customers with a business checking account will be charged $.50 for each Bill Pay Transaction generated in excess of 25.  Please contact us if you are unsure of the type of account you have or if you would like to switch accounts.  Bill Pay services are free on all types of personal checking accounts.  Fees are subject to change.

There is a charge to use Popmoney® for all customers. Customers will be charged $.99 for each standard (3 day delivery) transaction generated and $1.49 for each express (next day) transaction generated. Fees are subject to change.

You agree that we have the right to change our fee schedule from time to time and to charge your account, in accordance with the fee schedule that will be provided to you prior to assessment.


Before agreeing, please Print This Page for your records.

By submitting this agreement, I acknowledge that I have read and unequivocally accept these terms. This agreement as written is the sole, exclusive and final agreement between the two parties.

I understand & Agree

I Do Not Agree

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