Chippewa Valley Bank Personal Online Banking Agreement
In order to enroll for Personal Online Banking, this agreement must
be accepted. Please read, and if agreed, click on the I Accept
button at the bottom of the agreement.
This Online Access Agreement ("Access Agreement") for accessing your CVB
accounts through Online Banking explains the terms and conditions
governing the Online banking services offered through Chippewa Valley
Bank. By using Online Banking, you agree to the terms and conditions of
this Access Agreement. This Online Access Agreement will be governed by
and interpreted in accordance with Federal law and regulation, and to
the extent there is no applicable Federal law or regulation, by the laws
of the State of Wisconsin. The terms "we," "us," "our," "CVB," and
"bank" refer to Chippewa Valley Bank. "You" refers to each signer on an
account. The term "business days" means Monday through Friday. The
Electronic Fund Transfer Act and Regulations require that we disclose
pertinent information to you about EFT’s to or from your account. By
EFT’s within this document, we mean preauthorized transactions to and
from your account with us or by means of your Online Banking. Online
Banking can be used to access your CVB accounts. Each of your accounts
at CVB is also governed by the applicable account disclosure statement
("Deposit Agreement and Disclosure").
II. Accessing Your CVB Accounts through Online Banking
To access your accounts through Online Banking, you must have a CVB
account and an online access id and password. A business which is a
sole proprietorship or a sole owned LLC must be operating under a tax
payer identification number to have access to these accounts.
There are no monthly or transaction fees for accessing your account(s)
through Chippewa Valley Bank. Please note that fees may be assessed by
your internet service provider. Other fees will apply for Stop
Payments, Overdrafts, etc.
C. New Services
Chippewa Valley Bank may, from time to time, introduce new online
services. We will notify you of any new services. By using these
services when they become available, you agree to be bound by the rules
communicated to you concerning these services.
D. Benefits of Using CVB Online Banking
With Online Banking, you can manage your personal accounts from your
home or office on your personal computer. You can use Online Banking to:
- View account balances and review transaction history.
- Transfer money between accounts. (As noted in the applicable account
Deposit Agreement and
- Disclosure Statement).
- Add stop payments, view past statements, view check images for current
III. Terms and Conditions
The first time you access your CVB accounts through Online Banking you
agree to be bound by all the terms and conditions of this Agreement, and
this acknowledges your receipt and understanding of this disclosure.
A. Your Online Access ID and Password
You will be given an Access ID and Password that will give you access to
your CVB accounts for Online Banking access. This password can be
changed within Online Banking using the change password button. We
recommend that you change your password regularly. CVB will act on
instructions received under your password. For security purposes, it is
recommended that you memorize this online access id and password and do
not write it down. You are responsible for keeping your access id and
password, account numbers, and other account data confidential.
If you do not access your CVB accounts through Online Banking for any 60
day period, CVB reserves the right to discontinue your service without
notice. Please note that your Online Banking information will be lost if
you are discontinued. You can enroll again at any time to re-activate
If you wish to cancel CVB services offered through Online Banking,
please contact Chippewa Valley Bank’s Winter office at 715-266-3501 or
1-866-282-3501 or send us cancellation instructions in writing to
Chippewa Valley Bank, PO Box 5, Winter, WI 54896.
B. Our Liability
Except as specifically provided in this Agreement or where the law
requires a different standard, you agree that neither we nor the service
providers shall be responsible for any loss, property damage or bodily
injury, whether caused by the equipment, software, CVB, or by Internet
browser providers, such as Netscape (Netscape Navigator browser) and
Microsoft (Microsoft Internet Explorer browser), or by Internet access
providers or by online service providers or by an agent or subcontractor
of any of the foregoing. Nor shall we or the service providers be
responsible for any direct, indirect, special or consequential, economic
or other damages arising in any way out of the installation, use, or
maintenance of the equipment, software, the online financial services,
or Internet browser or access software.
C. Overdrafts: Order of Payments, Transfers, Other Withdrawals
If your account has insufficient funds to perform all electronic funds
transfers (ATM withdrawals, pre-authorized transactions, Online Banking
transfers and bill payments, etc.) that you have requested for a given
business day, then:
- Certain electronic transfers involving currency disbursement, like ATM
withdrawals or check/debit card transactions, will have priority, and
- The electronic funds transfers initiated through Online Banking may
result in an overdraft of your account and may, at CVB’s discretion, be
In addition, you will be charged the same overdraft charges that apply
to your account.
D. Hours of Accessibility
You can access your CVB accounts through Online Banking seven days a
week, 24 hours a day. However, at certain times, some or all of Online
Banking may not be available due to system updates and maintenance.
Transfers will memopost immediately, meaning there will be a preliminary
posting until the next update is completed. A scheduled transfer
initiated through CVB Online Banking before 3:00 pm is posted to your
account the same day. All transfers completed after 3:00 pm on a
business day or on a Saturday, Sunday or banking holiday, will be posted
on the next business day.
A transfer initiated through Online Banking before 3:00 pm is posted to
your account the same day. All transfers completed after 3:00 pm on a
business day or on a Saturday, Sunday or banking holiday, will be posted
on the next business day.
E. Additional Terms and Conditions
Obtaining Account Balance and Transaction History - You can obtain
balance and transaction history on all eligible accounts. Current
balance and activity information is available as of the close of the
previous business day.
Transferring Funds - The number of transfers from a savings account is
limited as described in the applicable Deposit Agreement and Disclosure.
If a hold has been placed on deposits made to an account from which you
wish to transfer funds, you cannot transfer the portion of the funds
held until the hold expires.
IV. General Terms
A. Right to Stop Payment
To place a stop payment, visit or call your local CVB office, or write
us at PO Box 5, Winter, Wisconsin, 54896 in time for us to receive your
request before payment or debit clears your account. If you call in your
stop pay request, we will also require you to sign your request within
14 calendar days. If 14 calendar days pass and the form is not
signed, the stop payment will be removed from the system. A stop
payment on any type of electronic or preauthorized debit cannot be
submitted through CVB’s Online Banking and it also requires you to sign
an Unauthorized ACH Affidavit form. The fee for placing a stop
payment is $25.00 per item. You are not permitted to stop payment on
any purchase, withdrawal, payment or transfer originated by use of the
CVB’s Check/Cash Card and CVB has no obligation to honor any such stop
payment request by you. A Stop Payment request, if valid signature is
received, is valid for and will expire six months from the date
B. Limitations on Dollar Amount of Transfers
You may make online transfers up to the amount of the available balance
in your account. There are no limitations on the dollar amount you can
transfer within Online Banking. You may make a withdrawal from your
checking or savings accounts up to the amount of the available balance
in your account.
C. Changes to Charges, Fees or Other Terms
We reserve the right to change the charges, fees, or other terms
described in this Agreement. However, when changes are made to any fees
or charges, we will notify you online, send a notice to you at the
address shown on our records, or send you an electronic mail message
(e-mail). The notice will be posted or sent at least thirty (30) days in
advance of the effective date of any additional fees for online
transactions, or of any stricter limits on the type, amount, or
frequency of transactions or any increase in your responsibility for
unauthorized transactions, unless an immediate change is necessary to
maintain the security of the system. If such a change is made and it can
be disclosed without jeopardizing the security of the system, we will
provide you with electronic or written notice within thirty (30) days
after the change. As always, you may choose to accept or decline changes
by continuing or discontinuing the accounts or services to which these
changes relate. We also reserve the option, in our business judgment, to
waive, reduce or reverse charges or fees in individual situations.
Changes to fees applicable to specific accounts are governed by the
applicable Deposit Agreement and Disclosure.
D. Disclosure of Account Information
You understand that in addition to information furnished pursuant to
legal process, some information about your accounts may automatically be
disclosed to others. For example, the tax laws require disclosure to the
government of the amount of the interest you earn, and some
transactions, such as certain large currency and foreign transactions,
must be reported to the government. CVB may also seek information
about you from others, such as a credit bureau, in connection with the
opening or maintaining of your account. You authorize these transfers of
E. Questions or Error Correction on CVB Online Banking Transactions
In case of questions or errors about funds transfers through Online
Banking involving your account, here is what you should do:
- Fax CVB at 715-266-3009.
- Telephone CVB at 715-266-3501 or 1-866-282-3501.
- Write CVB at PO Box 5, Winter, WI 54896, as soon as you can, if you
think your statement or transaction record is wrong or if you need more
information about a transaction listed on the statement or transaction
- We must hear from you no later than sixty (60) days after we have sent
the first paper statement on which the problem or error appeared. If you
notify us verbally, we may require that you send us your complaint or
question in writing within ten (10) business days.
- Tell us your name and account number.
- Describe the error or the transaction you are unsure about and explain
why you believe it is in error or why you need more information.
- Tell us the dollar amount of the suspected error.
F. Other General Terms
Other Agreements - In addition to this Agreement you agree to be bound
by and will comply with the requirements of the applicable Deposit
Agreement and Disclosure, CVB’s rules and regulations, the rules and
regulations of any funds transfer system to which CVB belongs, and
applicable State and Federal laws and regulations. We agree to be bound
by them also.
CVB reserves the right to terminate this Agreement and your access to
Online Banking, in whole or in part, at any time without prior notice.
V. Protecting Your Account
A. Preventing Misuse of Your Account
Your role is extremely important in the prevention of any wrongful use
of your account. You must promptly examine your statement upon receipt.
If you find that your records and ours disagree, you must immediately
call Chippewa Valley Bank at 715-266-3501 or 1-866-282-3501.
Protecting Personal Information - In addition to protecting your account
information, you should also take precautions to protect your personal
identification information, such as your driver's license, Social
Security Number, etc. This information by itself or together with
information on your account may allow unauthorized access to your
account(s). It is your responsibility to protect personal information
with the same level of care that you protect your account information.
Taking Care of Your Online Access ID and Password - The access id and
password that is used to gain access to Online Banking should also be
kept confidential. For your protection, we recommend that you change
your online password regularly. It is recommended that you memorize this
online access id and password and do not write it down.
You are responsible for keeping your access id and password, account
numbers, and other account data confidential. If you believe that your
online password may have been lost or stolen or that someone has
transferred or may transfer money from your account without your
permission, notify Chippewa Valley Bank at 715-266-3501 or
B. Unauthorized Transactions in Your CVB Accounts
Notify us immediately if you believe another person has improperly
obtained your online access id and/or password. Also, notify us if
someone has transferred or may transfer money from your account without
your permission or if you suspect any fraudulent activity on your
account. Only reveal your account number to a legitimate entity for a
purpose you authorize (such as your insurance company for automatic
payments). To notify us, call Chippewa Valley Bank at 715-266-3501 or
1-866-282-3501 or write to Chippewa Valley Bank at PO Box 5, Winter, WI
If your statement shows withdrawals, transfers, or purchases that you
did not make or authorize, please notify us immediately. If you do not
notify us within sixty (60) days after the paper statement was mailed to
you, and we could have stopped someone from taking money if you had told
us in time, you may not get back any money lost after the sixty (60)
days. If extenuating circumstances, such as a long trip or hospital
stay, kept you from telling us, the time periods in this section will be
NOTICE: IF YOU DO NOT AGREE TO THE TERMS OF THIS AGREEMENT,
DO NOT USE CVB ONLINE BANKING.