These On-line Services Terms & Situations set forth the circumstances underneath which you’ll utilize the online features of your Account(s).
Our Online Companies are accessed through our Internet Banking System. Through the use of any of our On-line Providers, you agree to be bound
by these Online Providers Phrases & Conditions. You must make a copy of those On-line Providers Phrases & Situations on your records.
On-line Companies consists of an Internet Banking web site that provides a whole array of financial companies to our customers, including, for example, Invoice Pay, Transfers, Cell Banking, E-Statements & Alerts. We enable clients to entry their Account data with up to ninety (ninety) days of transaction detail.

First Convenience Bank of Texas

1. Definitions. Capitalized phrases used herein but not otherwise defined hereby shall have the meanings assigned to them by the Deposit Agreement.
“Financial institution”, “we”, “us” and “our” means First National Bank Texas, a nationwide banking affiliation, or First Comfort Financial institution, a
division of First National Financial institution Texas, and any Agent, independent contractor, designee, or assignee we might involve or who may
assist in or present companies in reference to the Web Banking characteristic of your Account.
“You” and “your” imply every person (particular person, corporation, partnership, organization or other entity) in whose name the Account is opened or added as an Proprietor or an Agent as evidenced by the Signature Card, all other authorized representatives of such persons, and any person who subscribes to or uses Web Banking in connection together with your Account.
“Business Day Reduce-Off Time” for online providers means 3:00 p.m. on each Business Day for Bill Funds, and 9:00 p.m. on each Business Day for Transfers. Invoice Payments scheduled for the present Enterprise Day might be processed up to three:00 p.m. (CST). Bill Payments entered after three:00 p.m. or on a non-Enterprise Day will be processed on the next Business Day. Transfers scheduled for the present Business Day will be processed as much as 9:00 p.m. (CST). Transfers scheduled after 9:00 p.m. or on a non-Business Day might be processed on the next Business Day.
“Accessible Balance” means the amount you’ve got on deposit from the prior Business Day minus (a) deposits that aren’t but obtainable for withdrawal below our Funds Availability Coverage, (b) Debit Card or other transactions that we are legally obligated to pay, or have already paid out in money, (c) different pending transactions like ACH debit transactions, and (d) any holds in your Account to comply with courtroom orders or other authorized requirements. Cash deposits acquired after the tip of the prior Enterprise Day
are available the morning of the present Enterprise Day. Un-posted electronic credits received prior to eight:00 a.m. with a settlement day equal to or prior to the present Business Day will increase the out there balance.