Tests

Custom Consent agreement

    At the bottom of the agreement you must choose to accept the agreement to continue the application process. By continuing the application process you are acknowledging your acceptance of these terms and conditions and your affirmative consent to the electronic delivery of these terms and conditions, any confirmations for online funds transfers you may initiate and any change in term notices. By your consent to accept these records electronically you also acknowledge that you are able to print or otherwise retain the records.
        
        At any time you may withdraw your consent to have these records provided electronically. If you do withdraw such consent, we will terminate this agreement and your access to the service referenced in this agreement. You may withdraw your consent or update your Email address by phoning us at 1-877-Bangor1, or writing to us at: Bangor Savings Bank, Attn. Electronic Banking, PO Box 930, Bangor, ME 04402-0930.
        
        For those who are printing documents from this website, we recommend that a landscape page orientation be used for the best readability from all browsers. If you experience difficulty printing this agreement or a transfer confirmation, you may call 1-877-Bangor1 and we will mail one to you.
        
        Bangor Online Banking
        
        DISCLOSURE REQUIRED BY FEDERAL LAW 
        READ AND SCROLL DOWN 
        ELECTRONIC RECORDS (E-SIGN) DISCLOSURE AND CONSENT
        
        Please read this Electronic Records (E-Sign) Disclosure and Consent ("Disclosure") carefully and keep a copy for your records.
        
        This Disclosure applies to all Communications for those products and services offered through the Bangor Online Service that are not otherwise governed by the terms and conditions of an electronic disclosure and consent.
        
        The words " we," " us," and " our" mean Bangor Savings Bank, and the words " you" and " your" mean you, the individual(s) or entity identified on the Account(s). As used in this Disclosure, " Account" means the account you have with us. " Communication" means any customer agreements or amendments thereto, account statements, disclosures, notices, privacy policies and all other information related to the product or service, including but not limited to information that we are required by law to provide to you in writing.
        
        Scope of Communications to Be Provided in Electronic Form. When you use a product or service to which this Disclosure applies, you agree that we may provide you with any Communications in electronic format, and that we may discontinue sending paper Communications to you, unless and until you withdraw your consent as described below. Your consent to receive electronic communications and transactions includes, but is not limited to:
        All legal and regulatory agreements, disclosures and communications associated with the features or services available through the Bangor Online Service for your Account
        Notices or disclosures about a change in the terms of your Account
        Privacy policies and notices
        Method of Providing Communications to You in Electronic Form. All Communications that we provide to you in electronic form will be provided either (1) via e-mail, (2) by access to a web site that we will designate in an e-mail notice we send to you at the time the information is available, which may link you to Communications contained in an account statement, or (3) to the extent permissible by law, by access to a web site that we will generally designate in advance for such purpose.
        How to Withdraw Consent. You may withdraw your consent to receive Communications in electronic form by contacting us at 1.877.Bangor1 (1.877.226.4671). You may also write to Deposit Operations, P.O. Box 930, Bangor, ME 04402-0930. At our option, we may treat your provision of an invalid email address, or the subsequent malfunction of a previously valid email address, as a withdrawal of your consent to receive electronic Communications. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal.
        How to Update Your Records. It is your responsibility to provide us with true, accurate and complete e-mail address, contact, and other information related to this Disclosure and your Account(s), and to maintain and update promptly any changes in this information. You can update information (such as your e-mail address) through the Bangor Online Service or by contacting us at 1.877.Bangor1 (1.877.226.4671).
        Hardware and Software Requirements. In order to access, view, and retain electronic Communications that we make available to you, you must have:
        an Internet browser that is capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of either Microsoft® Internet Explorer version 6.0 or Netscape Navigator® version 4.73, and your system must have 128-bit SSL encryption software;
        sufficient electronic storage capacity on your computer's hard drive or other data storage unit;
        an e-mail account with an Internet service provider and e-mail software in order to participate in our electronic Communications programs;
        a personal computer, operating system and telecommunications connections to the Internet capable of receiving, accessing, displaying, and either printing or storing Communications received from us in electronic form via a plain text-formatted e-mail or by access to our web site using one of the browsers specified above.
        Requesting Paper Copies. We will not send you a paper copy of any Communication, unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic Communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic Communication to you. To request a paper copy, contact us by logging in to the Bangor Online Service and send a paper statement request using our secure mail feature, or you may contact us at 1.877.Bangor1 (1.877.226.4671). We may charge you a reasonable service charge for the delivery of paper copies of any Communication provided to you electronically pursuant to this authorization. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically.
        Communications in Writing. All Communications in either electronic or paper format from us to you will be considered "in writing." You should print or download for your records a copy of this Disclosure and any other Communication that is important to you.
        Federal Law. You acknowledge and agree that your consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act (E-Sign Act), and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.
        Termination/Changes. We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.
        Consent. By selecting "Yes, I have read and accept the above agreement," you hereby give your affirmative consent to our providing electronic Communications to you as described herein. You further agree that your computer satisfies the hardware and software requirements specified above and that you have provided us with a current e-mail address at which we may send electronic Communications to you.
        BANGOR ONLINE INTERNET BANKING AGREEMENT
        
        DESCRIPTION OF AGREEMENT
        What this Agreement Covers
        This Agreement between you and Bangor Savings Bank governs your use of the Bangor Online Banking Service (the "Service"), as well as any transactions ("Online Transactions") that you may initiate with and/or request from the Bank through the Service. The Service permits you to perform a number of banking functions linked to the Service through the use of a personal computer. This Agreement does not cover transfers you may make through the branch, a telephonic individual voice response system (IVR) or through an automated teller machine (ATM). We are providing you with this Agreement in accordance with, and it is subject to, Applicable Law. Please read this document carefully, as it discusses in detail your rights and responsibilities when enrolling in the Service and when conducting Online Transactions through the Service. By using the Service, you acknowledge that you have read, understood, and agreed to the terms and conditions related to the Service and any Online Transactions you initiate through the Service.
        
        We recommend that you print or store a copy of this Agreement and keep it with your records. You may also view this Agreement, at any time, at the disclosure page on our website at www.Bangor.com.
        
        Definitions.
        In this Agreement, the following definitions apply:
        
        The words "you", "your" and "Customer" mean the consumer or eligible business that has enrolled in the Service.
        The words "we", "us", "our" and "Bank" mean Bangor Savings Bank.
        The word "Account(s)" means any Deposit Account(s) and/or Credit Account(s) that you may have with us.
        The words "Account Agreements" mean the terms and conditions of…      Activation - Upon activation of the electronic bill feature, Bangor BillPay may notify Billers, as applicable, of your request to receive electronic billing information. The presentment of your first electronic bill may vary from Biller to Biller and may take up to sixty (60) days, depending on the billing cycle of each Biller. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Biller. While your electronic bill feature is being activated, it is your responsibility to keep your accounts current. Each electronic Biller reserves the right to accept or deny your request to receive electronic bills. We do not participate in this decision.
        
        Authorization to obtain bill data - In some cases, we obtain the electronic bill from the web site of the Biller. Your activation of the electronic bill feature for a Biller shall be deemed by us to be your authorization for us to access the third party web site to obtain bill data from the Biller on your behalf, and you appoint us as your agent for this limited purpose. For some Billers, you will be asked to provide us with your user name and password for that Biller. By providing us with such information, you authorize us to use the information to obtain your bill data.
        
        Notification - Bangor BillPay will use its best efforts to present all of your electronic bills promptly. In addition to notification within Bangor BillPay, Bangor BillPay may send an email notification to the email address listed for your Account. It is your sole responsibility to ensure that this information is accurate. We take no responsibility if a Biller does not provide the necessary data to forward an electronic bill in a timely manner. In the event you do not receive notification, it is your responsibility to periodically log-on to Bangor BillPay and check on the delivery of new electronic bills. The time for notification may vary from Biller to Biller. You are responsible for ensuring timely payment of all bills.
        
        Information provided to the Biller - Bangor BillPay is unable to update or change your personal information such as, but not limited to, name, address, phone numbers and email addresses, with the electronic Biller. Any changes will need to be made by your contacting the Biller directly. Additionally, it is your responsibility to maintain all usernames and passwords for all electronic Biller sites. You also agree not to use someone else's information to gain unauthorized access to another person's bill. Bangor BillPay may, at the request of the Biller, provide to the Biller your email address, service address, or other data specifically requested by the Biller at the time of activating the electronic bill for that Biller, for purposes of the Biller informing you about Bangor BillPay and/or bill information.
        
        Cancellation of electronic bill notification - The electronic Biller reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Biller to Biller. It may take up to sixty (60) days, depending on the billing cycle of each Biller. Bangor BillPay will notify your electronic Biller(s) as to the change in status of your Account, and it is your sole responsibility to make arrangements for an alternative form of bill delivery. Bangor BillPay will not be responsible for presenting any electronic bills that are already in process at the time of cancellation.
        
        Non-Delivery of electronic bill(s) - You agree to hold Bangor BillPay and the Bank harmless should the Biller fail to deliver your statement(s). We are not responsible for any late charges or other adverse consequences. Copies of previously delivered bills must be requested from the Biller directly.
        
        Accuracy and dispute of electronic bill - Neither Bangor BillPay nor the Bank is responsible for the accuracy of your electronic bill(s). The BillPay Service and the Bank are only responsible for presenting the information that Bangor BillPay receives from the Biller. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail, or questions about your bill details, must be addressed with the Biller directly.
        
        STOP PAYMENT SERVICES (NON- BANGOR BILLPAY REQUESTS)
        You may use the Bangor Online Service to initiate an electronic stop payment request for any check written on your Accounts, except for Bill Payments described in Section IV (hereinafter, "Non- Bangor BillPay Stop Payments"). You agree to provide all required information relating to Non- Bangor BillPay Stop Payments requests. If you fail to provide us with complete information or if the information you provide is incorrect, you agrees that we shall not be responsible for any failure to stop payment on such item. You understand that if the stop payment request comes too late for us to have a reasonable time to act on it prior to paying, settling for, posting or becoming accountable for the check described in the request, then your Non- Bangor BillPay Stop Payments request shall be of no effect. You agree not to make a claim against us if the check is paid through inadvertence, accident, oversight or if we are required to pay such check by a holder in due course or if by reason of such payment, other items drawn on your Account(s) are returned insufficient. You agree to indemnify and hold us harmless from and against any and all losses, damages and expenses, including court costs and attorney's fees, incurred by us due to our refusal of payment of any check or other item in accordance with your instructions. Unless otherwise provided in this Agreement, you may not stop payment of electronic fund transfers. Therefore, you should not employ electronic access for purchases or services unless you are satisfied that it will not need to stop payment.
        
        OTHER TERMS AND CONDITIONS
        Monthly Service Charge
        Customers are not assessed a charge for use of the Service, except as may otherwise be disclosed by us from time to time in our Fee Schedule or other notice to you. Banking charges for other Accounts and services are also as published in the Bank's Fee Schedule and Truth in Savings brochure, and any/or any other applicable account documentation.
        
        Other Charges
        You should note that, depending on how you access the Service, you may also incur Internet service provider fees.
        
        Additional fees may be assessed from time to time for features added to the Service. We may also charge a research fee if we research historical activity on your Account(s) as a result of an inquiry received from you. This fee will be waived if the Bank determines in its sole discretion that an error has occurred.
        
        Service Availability
        You may use the Service virtually any time of day or night, 7 days a week. However, you understand that the Service may be temporarily unavailable due to Bank record updating, technical difficulties or system maintenance. Access may also be disrupted because of power failures, or problems with the telephone lines or Internet service.
        
        Canceling Your Bangor Online Service
        Your access to the Service remains in effect until it is terminated by you or by the Bank. You may cancel your access to the Service at any time by notifying us of your intent to cancel in writing, through Bangor Online email, or by calling Bangor Savings Bank. This cancellation applies only to your access to the Service and does not terminate your Account(s).
        
        We may terminate your access to the Service for any reason, at any time. We will try to notify you in advance, but we are not obliged to do so.
        
        If you choose to cancel your access to the Service, any unprocessed transfers will be canceled. We recommend that you cancel any scheduled transfers prior to notifying us that you are discontinuing the Service. The Bank normally will cancel any scheduled transfers within two (2) Business Days from the date we receive your request to cancel your access to the Service. However, we are not responsible for transfers made pursuant to instructions received from you before your cancellation request was received.
        
        If you close your Account(s), or if you no longer have any Linked Account(s), your access to the Service will automatically be discontinued, and the Bank reserves the right to cancel any unprocessed transfers at the time of such discontinuation of the Service.
        
        Joint Accounts
        When your access to the Service is linked to one or more jointly owned Accounts, we may act on the verbal, written or electronic instructions of any joint owner of those Accounts. Each owner of a Deposit Account is authorized to access all of the available funds held in that Deposit Account through the Service.
        
        Changes to Agreement
        We may amend or change this Agreement at any time. For example, we may add, delete or amend terms or services. We will notify you of such changes by mail, by electronic message or by posting on the Bank's website to the extent required by Applicable Law. If you access or use the Service after the effective date of a change, you will be deemed to have accepted the change.
        
        Contact by Bangor Savings Bank or Affiliated Parties
        No Bangor Savings Bank employee, or employee of any company affiliated with the Bank will contact you via email or phone requesting your Bangor Online ID or Password, or any other personal information. If you are contacted by anyone requesting this information, please contact us immediately at 1.877.Bangor1 (1.877.226.4671) or send us a secure email via the Bangor Online Service.
        
        Electronic Mail
  …

Custom Consent agreement

    Consent Text

    Consent Text

    Consent Text