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CB&T Online Banking Agreement & Disclosure
Your Rights & Responsibilities

The Electronic Funds Transfers  we are capable of handling via our CB&T Online internet banking service (CB&T Online) are indicated below, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for these transactions. You should keep this notice for future reference.

1. Transaction Types
You will be able to make the following on all accounts at Chickasha Bank & Trust Company which you enroll on CB&T Online: Balance Inquiries, transfer of funds between checking and savings accounts (one time or recurring), view account history, view stop payment information, and download account information to your PC for use with such programs as Microsoft Money.

With our Online Bill Pay feature, you will be able to make payments to third parties from a checking or savings account at Chickasha Bank & Trust Company which you enroll on Internet Banking. (The Bill Pay feature must be requested at an additional monthly charge).

2. Limitations
Transfer/payments from a money market deposit account to another account or to a third party using CB&T Online will be limited to 6 per monthly statement cycle.

You will not be able to make transfers from checking or savings accounts which require more than one signature to complete the transaction.

3. Fees-Personal Accounts:

CB&T Online
We will charge $0.00 per monthly statement cycle for CB&T Online. We reserve the right to charge for this service in the future. You will be notified in advance, IF and when this charge begins.

Bill Pay     
There will be no monthly fee charged for Online Bill Pay. But the following fees will apply.

NSF Fee: 25.00 (per item)
Stop Payment Fee: 25.00 (per order)
Canceled Check Copy Fee: 1.00 (per copy)


3.1 Fees-Business Accounts:

CB&T Online
We will charge $0.00 per monthly statement cycle for CB&T Online. We reserve the right to charge for this service in the future. You will be notified in advance, IF and when this charge begins.

Bill Pay
There will be no monthly fee charged for Online Bill Pay. But the following fees will apply.

NSF Fee: 25.00 (per item)
Stop Payment Fee: 25.00 (per order)
Canceled Check Copy Fee: 1.00 (per copy)


4. Documentation

CB&T Online documentation includes the following:

1) When you complete the transaction, a confirmation number will appear on the screen. You will need to print this as your transaction receipt. It will serve as proof of the date and time the transaction was completed.

2) You will be able to check to see if the transaction posted by  using the “view current transactions” function within CB&T Online. This may be printed for your records.

3) You will get a monthly checking account statement from us. You will also receive a monthly savings statement if a CB&T Online transaction involved your savings account; otherwise, your savings account will be sent quarterly.

5. Right To Stop Payment and Procedure for Doing So
CB&T Online: You may discontinue a transaction you have scheduled through CB&T Online as long as you do so before 8:00 PM CST the business day it is scheduled to pay. This is true for both one-time and recurring payments. You will complete this transaction online using CB&T Online. If you have questions, please call customer service at (405) 222-0550.

Bill Pay ”Check”: You may cancel or change a “check” transaction you set up through Bill Pay. You will need to do so through CB&T Online Bill Pay before 11:00 PM CST the day before the scheduled payment date. If the payment has already been sent, you will need to call Metavante at the telephone number or address listed on this disclosure, in time for them to receive your request within 5 business days after the transaction date. If you call, you may also be required you to put your request in writing so that it is received within 14 days after you call.

Bill Pay “Electronic (ACH)”: You may cancel or change an “electronic (ACH)” transaction you set up through Bill Pay. You will need to do so through CB&T Online Bill Pay before 11:00 PM CST the day before the scheduled payment date. If the payment has already been sent, you will not be able to place a stop payment on an electronic (ACH) transaction set up through Bill Pay. You will be able to tell if the transaction will be initiated by check or ACH on the Bill Pay screen before you authorize the payment.

6. Liability For Failure to Stop Payment
If you order us to stop a payment we have access to 3 business days or more before the transfer is scheduled (except for Bill Pay electronic “ACH” payments), and we do not do so, we will be liable for your losses or damages.

7. 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:

  • If, through no fault of ours, you do not have enough money in your account to make the transfer
  • If the transfer would go over the credit limit on your overdraft line
  • If the terminal or system was not working properly and you knew about the breakdown when you started the transfer
  • If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions we have taken
  • If  the error/problem was caused by systems outside our control, such as, and not limited to, your computer (hardware and/or software), telecommunications (lines, equipment, etc.), the internet service provider (ISP) you utilize, etc.
  • If the problem was a result of your not being able to access CB&T Online. Even though we will endeavor to make CB&T Online available 24 hours a day, 7 days a week, it may be down from time to time because of system problems, normal maintenance routines, etc.
  • There may be other exceptions stated in our agreement with you

8. Confidentiality
We will disclose information to third parties about your account or the transfers you make:

  • where it is necessary for completing transfers
  • in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant
  • in order to comply with government agency or court orders
  • if you give us written permission

9. Unauthorized Transfers
a) Consumer liability: Tell us AT ONCE if you believe your ID and/or PIN Number have been compromised. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your ID and/or PIN Number, you can lose no more than $50 if someone used your ID and PIN Number without your permission.

If you DO NOT tell us within 2 business days after you learn of the loss or theft of your ID and/or PIN Number, and we can prove we could have stopped someone from using your ID and/or PIN Number without your permission if you had told us, you could lose as much as $500.

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.

b) Contact in event of unauthorized transfer: If you believe your ID and/or PIN Number has been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, call or write us at:

Chickasha Bank & Trust Company
1924 South Fourth Street
P. O. Box 1307
Chickasha, OK 73023
Telephone:
Customer Service Department - (405) 222-0550
Business Days/Hours are:
Monday - Friday, 9am - 4pm, except Federal holidays

10. Error Resolution Notice
In the case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed in Paragraph  9 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 within 60 days after we sent the FIRST statement on which the problem or error appeared.

a) Tell us your name and account number (if any)

b) 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

c) 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 within 10 business days.

We will determine whether an error occurred within 10 business days (20 business days if the transaction 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) 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 use of the money during the time it takes 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. An account is considered a new account for 30 days after the first deposit was made, if you are a new customer.

We will tell you the results within 3 business days after we complete 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.
 
 
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