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Stockman Bank eBank/Online User Agreement

Please review the agreement below and then complete the process by selecting the appropriate button at the bottom of this screen. You hereby agree to the terms and conditions of this Stockman Bank eBank/Online User Agreement each time you log into Stockman Bank of Montana's various electronic access banking channels.

Click here to view our Privacy Policy.

You may download and print copies, for personal use only, of any part of the Agreement to keep on file.

Contents of Stockman Bank eBank/Online User Agreement

1) Introduction to Stockman eBank

Agreement Definitions
You and Stockman eBank
Venue of Stockman eBank

2) Accessing Your Bank Accounts

System Requirements
Password Requirements
Fees
Communicating With Us and Electronic Mail (email)

3) Stockman Bank ePay

What is ePay
Who Can Use ePay
Using ePay
Scheduling Bill Payments
Stopping or Changing Bill Payments
Stockman Bank and Your Responsibilities
ePay Fees
Joint Ownership

4) eStatements Terms and Conditions and Disclosure Agreement

Electronic Delivery of Statements (eStatements) & Related Disclosures
eStatement Notification and Access
Email Address Changes
Withdrawal and Cancellation of Electronic Delivery

5) eMobile

 

6) eMobile Remote Deposit

 

7) eAlerts

 

8) Security

Stockman Bank eBank Security
VeriSign’s Secure Server ID
128-bit SSL Encryption

9) General Terms and Disclosure

Product and Service Disclosure
Funds Availability
Error Notification, Correction and Resolution

1. Introduction to Stockman eBank

Agreement Definitions

The terms within this Stockman Bank eBank Agreement are as follows:

The terms "we," "us," "our," "Stockman Bank," and "Bank" refers to Stockman Bank of Montana. "You" refers to each signer on an account and entering into and executing this Agreement. The term "business day" shall mean every day except Saturdays, Sundays and federal holidays. The term "Agreement" refers to this Stockman Bank eBank Agreement entered into by You and the Bank. The terms "Site" "eBanking" "eBank" "eMobile" or "eBiz" refers to Stockman Bank of Montana’s transactional access website(s) through your various electronic access devices.

Stockman Bank's eBank, eMobile or eBiz can be used to access certain accounts at Stockman Bank of Montana through various electronic access devices. The applicable "Your Account Terms and Conditions," and supplemental disclosures, you received upon opening your accounts continue to govern each of your accounts and the terms and conditions described herein relate to eBanking, eMobile, and eBiz, and supplement these account terms and conditions. eBiz access has additional agreements for access and transactional activity that supplement this agreement and the applicable "Your Account Terms and Conditions," and supplemental disclosures, you received upon opening your accounts.

You and Stockman eBank

This "Agreement" sets forth the terms and conditions for accessing your accounts via "eBank", "eMobile" and "eBiz", and explains the terms and conditions that govern, regulate and protect the integrity of data which electronically transacts and communicates the products and services between you and Stockman Bank of Montana through your use of these access points through your electronic access devices. The accounts that may be accessed via "eBank", "eMobile" and "eBiz" include only accounts maintained at Stockman Bank and designated by Stockman Bank as an eligible account.

Venue of Stockman eBank

You agree that your use of the Stockman Bank of Montana website(s), eBank, eMobile and eBiz, and all transactions between you and Stockman Bank of Montana shall be governed by Montana state law and applicable federal regulation and law. You agree that jurisdiction and venue shall be located in Miles City, Montana. Not all products and services described on our eBanking, eMobile or eBiz website(s) are available in all geographic areas. Stockman Bank of Montana reserves the right to determine your eligibility for any eBanking, eMobile and eBiz product or service, and you hereby acknowledge that you may or may not be eligible for certain products or services.

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2. Accessing Your Bank Accounts

System Requirements

To access eBank, eMobile or eBiz you must have a supported browser, access application(s) "apps" or other supported software for electronic access device(s). We have placed links for you to access these supported browsers on the System Requirements page of our website.

Password Requirements

For your protection, your password must be a minimum of 8 alphanumeric characters and must contain at least 1 number and 1 alphabetic character.

Passwords are case sensitive with upper and lower case letter capabilities.

We recommend you change your password frequently and immediately if you believe your password is compromised.

Passwords are unique to each user accessing eBank, eMobile or eBiz. For joint and multiple signer accounts, each signer is assigned a unique access ID and password and is responsible for the confidentiality of their individual access ID and password. Access IDs and passwords must never be compromised or shared with any other person or signer on an account.

Fees

There are no periodic or transaction fees for accessing your account(s) through eBank. See section 3) Stockman Bank ePay for any applicable ePay, popmoney and related fees. All other fees, as applicable and described in "Your Account Terms and Conditions" disclosures, will be charged to you as normally applied.

Be advised that fees may be assessed and billed to you for time spent on eBank, eMobile or eBiz, via internet access, separately by your online or mobile phone or other access device service provider or other service provider not affiliated with Stockman Bank.

Communicating With Us and Electronic Mail (email)

Sending us an email is a way of communicating with the Bank’s customer support personnel. You may contact us 24 hours a day, 7 days a week via email. We will respond to your email inquiry, response or comment during regular business hours. You hereby acknowledge that any emails sent to Stockman Bank through your personal email and not through the Bank’s secure website is not considered a secure method of communication.

You can contact us securely on our eBank, eMobile or eBiz website(s) by selecting "Contact Us" or by clicking here to get to our secure contact form. Click here 

You cannot use email to conduct transactions on your account(s). For account transactions please use the applicable functions within 1) Stockman eBank, eMobile or eBiz 2) TeleBank at 1-888-669-0724, or 3) by calling customer service at 1-877-300-9369.

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3. Stockman Bank ePay

What is ePay

Stockman Bank ePay service ("ePay") is an eBank/eBiz service that allows you to schedule your bill payments through Stockman eBank. You can schedule the payment of current, future and recurring bills from any of your checking accounts at Stockman Bank. The Bank will debit your account ON THE DATE YOUR PAYMENT IS INDICATED AS DUE TO YOUR PAYEE and send payments to your payees by check or Automated Clearing House (ACH). If payments are made by check, funds will be withdrawn when that check is presented for payment on your account. The details of service restrictions, your responsibilities, Stockman Bank’s and our Third Party Processor’s responsibilities are noted below and within the “Terms and Conditions of the Bill Payment Service” you agree to at time of first access.

Who Can Use ePay

You must have a checking account with Stockman Bank of Montana to use the ePay service. If "two signatures" or more are required to withdraw funds from the particular checking account, all signers on the account are prohibited from using bill pay. If you have more than one signer on the particular account, all signers must have "joint custody" of the account. Please refer to the Joint Ownership section below for applicable terms.

Using ePay

You authorize Stockman Bank and its third party processors to follow the payment instructions to payees/merchants that you provide us through Stockman Bank ePay. When we receive a payment instruction for a current or future date, we will remit the funds to the payee on your behalf from the funds in your selected checking account on the day you have instructed your payment is due. The amount you indicate for payment is charged against your account’s "Available Balance". If your account does not have "Sufficient Funds" in the available balance, we may at our discretion, process or not process the payment. Our decision to process a payment drawn on insufficient funds does not obligate us to continue to do so in the future. You will be liable for any applicable fees or charges for any payment processed through ePay drawn on insufficient funds. Should we decide not to process the payment and you still wish the payment to be made, you will need to initiate a separate payment. In this event we will also not be liable for fees or charges incurred by you. There is no limit to the number of bill payments that you may authorize. However, the following payment types are prohibited, and Stockman Bank will not be liable for any fees or charges incurred by you as a result of a prohibited payment.

PROHIBITED PAYMENTS:

  • Tax payments to federal, state or local government agencies.
  • Payments directed by court, local or state government.
  • Payments to persons or entities outside of the United States.

For purposes of this Agreement, the following definitions apply:

"Payment Date"
Funds for bill payments (when these payments are made by us electronically (ACH)) will be withdrawn from your account’s "Available Balance" ON THE DAY that the payment is due to your vendor. If payments are made by check, funds will be withdrawn when that check is presented for payment on your account.

"Available Balance"
Your Available Balance is the balance according to our funds availability schedule of processing your deposits. You must be certain that there are adequate available funds in your account on the date your bill payment is due. See Funds Availability section under General Terms and Disclosure for detailed disclosure of funds availability.

"Sufficient Funds"
The account to be charged against a bill payment must have enough money (sufficient funds) to cover the charge on the day the payment is due.

Scheduling Bill Payments

Any payments made with Stockman Bank ePay service require sufficient time for your payee to receive the payment and credit your account properly. To avoid incurring a finance charge with your payee, schedule payments in advance of the due date of your payment.

Stopping or Changing Bill Payments

You have the right to stop or change any scheduled payment. You must delete or change a scheduled payment at least seven (7) calendar days in advance of the day the applicable payment is scheduled. The Bank is not liable for any scheduled payment made that was not timely stopped or changed.

Stockman Bank and Your Responsibilities

It is the policy of Stockman Bank to put forth our best efforts to make sure all your payments are processed accurately and timely. However, Stockman Bank shall incur no liability and you agree to hold Stockman Bank, its subsidiaries and affiliates, and third party processors (if any) harmless from any and all actions and associated liabilities, costs or fees surrounding this or any related transaction(s) by any parties if it is unable to complete any payments initiated by you via Stockman Bank ePay because of the existence of one or more of the following circumstances:

  1. Sufficient funds are not available in your checking account to complete the payment. Payments are charged against "Available Balance" per our funds availability schedule (See "Available Balance" above);
  2. You know or have been advised by Stockman Bank not to use Stockman Bank ePay system due to a temporary malfunction;
  3. Your payee mishandles or delays a payment sent by Stockman Bank;
  4. You have not provided Stockman Bank with the correct names or account information, including but not limited to address and account number, for those persons or entities (payees) to which you wish to direct payment;
  5. You have multiple signers (2 or more) on an account and do not have "joint ownership" established and conduct an unauthorized payment of bills from the checking account;
  6. Circumstances beyond Stockman Bank’s control such as, but not limited to, fire, flood, or interference from an outside force prevent the proper execution of the transaction and Stockman Bank has taken reasonable precautions to avoid those circumstances;
  7. You instruct Stockman Bank to make a payment that is one of the prohibited payees (federal, state and local taxes, court or state directed payments, and individuals or companies outside of United States);
  8. You schedule your payment due date to be during the grace period for that merchant/payee. Stockman Bank will not be responsible for any late fees associated with payments scheduled after the due date on the bill. This is the case even if the payee allows a "grace period". You may schedule payments during the "grace period", but any late charges associated with payments scheduled as such will be your responsibility regardless of the cause of the late payment.
  9. You schedule a payment from a Money Market or savings account.

Security

In order to maintain secure communications and reduce fraud, you agree to protect the security of all account information, including, without limitation, your access ID, password, account numbers, codes, marks, signs, public keys or other means of identification (the “Account Information”). Bank reserves the right to suspend or block access to eBank to maintain or restore proper security to Bank’s website and systems relating to eBank, if Bank reasonably believes your Account Information has been or may have been obtained by or is being used by or may be used by an unauthorized person or unauthorized persons. If you believe that any Account Information may have been lost, stolen, or mishandled, or that someone has transferred or may transfer money from your account or accounts without your permission, you must immediately notify the Bank. If you are locked out of eBank, you will need to contact the Bank in order to restore access to eBank.

As additional security, BANK through eBank/eBiz/eMobile access channels may require you to verify your log in or transactions by use of various authentication processes or devices. After entering your access ID and password, you will need to perform an additional step(s) to authenticate your log in and/or transaction(s).

ePay Fees

ePay Services, exclusive of certain Popmoney services, are furnished at no charge for Stockman Bank's consumer checking product offerings with the exception of Consumer Essential Checking. Consumer customers who have Essential Checking accounts are charged $5.95 per statement cycle directly through their checking account. For Consumer Essential Checking customers; starting at the time the ePay service is first used; a one time no fee grace period of 6 statement cycles will be provided. An ePay (Electronic Bill Pay) fee of $5.95 will be assessed as a service charge-fee every statement cycle after the grace period, unless the customer notifies the bank to discontinue this service.  All Other Consumer accounts such as Health Savings, Premier Money Market will be assessed a fee of $5.95 per month for ePay services beginning the month the service is used and may also incur other account activity fees depending upon ePay volumes, account minimum balances and account transaction limitations.

Business customers are charged $10.00 per month directly through their business checking, business premier money market or other accounts for average ePay activity (activity of 50 items or less per months) and will be charged a premium for greater volumes. After the first 50 items each month a $10 fee will be charged for each increment of 50 items processed. Please see a local branch for additional information.

The checking account designated to pay the ePay "bill payments" will be charged the above-described ePay service charge "fee". This service charge-fee will be charged each month regardless of your bill payment activity. The ePay service charge-fee will continue even if you do not use ePay. Once you decide to stop using the ePay Service, you must notify us to cancel your ePay service and related monthly ePay service charge-fee. Please see the Communicating With Us and Electronic Mail (email) section above in our Online User Agreement.

Joint Ownership

The Stockman eBank Agreement definition of "You" means each signer on an account. The terms of the Agreement extend to all signers on the account(s) you are accessing on eBank. The same applies to ePay responsibilities. If you have multiple signers on an account you must have joint ownership of the account in order to use the account for ePay. Joint owners share the same payee list (when using ePay), and are subject to the joint tenancy rules contained in the "Account Terms and Conditions" disclosure agreement for that checking account. Any account owner may cancel the Stockman Bank ePay service and any owner may authorize transfers to or from the joint account.

Each signer on an account is assigned a unique Stockman eBank password. Since joint signers on an account share the responsibilities with all signers on the account, the terms and conditions of this Agreement apply to all signers.

Popmoney 

Popmoney is a personal electronic payment service offered by Stockman Bank that is a feature of and only available through ePay. All restrictions and terms of use within the ePay agreement and related third part service agreements apply to Popmoney. When you use ePay or Popmoney you agree to these terms and conditions as well as this eBank/Online user agreement. You must have a Stockman Bank checking account to use Popmoney.

Sending Money

To send money, log in to your online banking account and go to ePay. Click on the Popmoney tab. Send money to anyone using their email address, mobile phone or account information. You will be notified when the transaction is completed.

Once Popmoney is set up/registered by both senders and receivers, the easier and more convenient the service becomes.

Sending Money with Popmoney "Instant Payments"

Payments using Popmoney "Instant Payments" is similar to sending money with regular Popmoney. Click on the Popmoney tab and if this feature is available follow the instructions for Instant Payment. Payments using this method are usually settled/sent within the same business day. An additional fee is charged for this service as detailed in the Fee section below.

The following Terms of Use applies to the Popmoney Instant Payments feature within the Popmoney Service ("Popmoney Instant Payments"), notwithstanding anything in this Agreement to the contrary. If Popmoney Instant Payments are not available to you, then this Supplement does not apply. To the extent there is any conflict between the terms of this Agreement and this Popmoney Instant Payments section, then the terms in this section shall apply.

1. Description Of Service. Popmoney Instant Payments facilitates real-time payments via the use of PIN debit card Payment Networks ("Debit Card Payment Networks") such as Accel™ to deliver funds immediately. For Popmoney Instant Payments, we will use a Debit Card Payment Network or other Payment Network designed to transfer funds on the same day or sooner, if practicable, to debit or credit funds to the Eligible Transaction Account of the Receiver, as applicable. Popmoney Instant Payments is only available for Payment Instructions submitted by a Sender to a Receiver (and not via a Popmoney Request). Not all Payment Networks participate in Popmoney Instant Payments. Popmoney Instant Payments are not instantaneous. Payment delivery speed may vary based upon the funds availability policy of each financial institution and Payment Network availability.

2. Payment Authorization and Payment Remittance. We are not responsible for the performance, speed, or other acts or omissions of the Payment Networks. Notwithstanding anything to the contrary in the Agreement, Popmoney Instant Payments settlements are final except as set forth in the applicable Payment Network rules and recovery may not be possible; however, if applicable Payment Network rules allow for reversal of funds, we will attempt to recover such funds from the Receiver's Eligible Transaction Account. We shall not be obligated to comply with the Automated Clearinghouse (ACH) Rules in such recovery efforts or otherwise in connection with Popmoney Instant Payments. We are only responsible for delivery of the applicable Payment Instructions to the applicable Payment Network in the format required by the applicable Payment Network's specifications. We will choose the Payment Networks in which we will participate in our sole discretion.

3. Initiation of Payment Instructions. For Popmoney Instant Payments, you can initiate a one-time Payment Instruction to a Receiver for which processing shall be initiated immediately using (i) the Receiver's email address or mobile number, and the Popmoney Service will validate the Popmoney Instant Payments eligibility of the Receiver prior to transferring the funds; or (ii) the Receiver's debit card information, and the funds will be deposited into the Receiver's checking or savings account affiliated with the debit card.

4. Payment Cancellation, Stop Payment Requests and Refused Payments. Popmoney Instant Payments Payment Instructions may not be cancelled as the Payment Instructions will be processed immediately.

Receiving Money

When someone sends money to you for the first time through Popmoney, you will receive an email or text message. You can login to your eBank account and direct the funds to be deposited there. Money sent through Popmoney directly to your Stockman Bank account will be automatically deposited in your account. No action would be required by you (the recipient).

Once Popmoney is set up/registered by both senders and receivers, the easier and more convenient the service becomes.

Requesting Money through Popmoney

You may request money or someone may request money from you if this feature is available. If you or the party you are sending the request to have not used or are not registered through Popmoney, you will receive an email or text message about the request. You may login to your eBank/eMobile account under ePay-Popmoney and allow the funds to be sent if you choose to send it. Money requested and received or sent fulfilling a request through Popmoney will be automatically deposited or charged to your account at Stockman Bank. An additional fee is charged for this service as detailed in the Fee section below.

Account information

Your account information will not be shared with the recipient of funds sent through Popmoney. The recipient will only see your first name, last name, and the message you wrote for the payment. When you send a payment to an email address, the recipient will also see your email address. Similarly, you will not be able to see the recipient's account information.

Additional security steps for Popmoney

Verification of your email address and phone number may be required for security reasons. Entering the correct verification codes ensures that you have access to your email and phone. You may also be asked to verify your mobile phone in the future to send and receive payments.

Popmoney Fees

The first 10 Popmoney Services transactions of either transfers/transfer requests "combined" per month are offered and completed free of charge for all Stockman Bank consumer checking product offerings. Starting with the 11th transaction, send/receive transfers will have a charge of $0.50 per send/receive transaction and a charge of $1.00 per request for funds transaction.

All Business customers are assessed a fee for all Popmoney transactions of $0.50 or $1.00 as applicable to send/receive or request funds transactions.

To request money through Popmoney a fee of $1.00 per request will be charged for each request made/originated. This fee is charged directly to the end user/requestors account.

To send money through Popmoney "Instant payments" a fee of $4.00 for each transaction will be charged. This fee is charged directly to the senders account.

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4. eStatements Terms and Conditions and Disclosure Agreement

Electronic Delivery of Statements (eStatements) & Related Disclosures

By consenting to this Agreement you agree to permit Stockman Bank to provide periodic account statements (eStatements), item images and notices to you as owner on your account(s) in an electronic format, as well as provide any regulatory disclosures (i.e. Regulation "E", Stockman Financial Privacy Policy and Finance/periodic billing errors, etc.) at our discretion, in electronic format in lieu of providing periodic statements and disclosures in written printed form.

Hardware and Software Requirements

You must review and comply with current hardware and software requirements posted in this eBanking Agreement and on the Bank's website.

Terms and Conditions. Please read carefully.

By entering into this Agreement, you accept all the terms and conditions contained in the Agreement for each of your bank accounts with Stockman Bank as well as any other agreements with the Bank, such as loans, which will continue to apply notwithstanding anything to the contrary in this Agreement.

The provisions in this agreement are part of and subject to the Stockman Bank's Terms and Conditions for Depository Accounts. Each Stockman Bank account you designate to be included within the eStatement service is also governed by the terms and conditions that are otherwise applicable to that kind of account, as separately disclosed to you, either in the:

  • Terms and Conditions for Depository Accounts,
  • Applications and Enrollment forms,
  • The applicable personal or business fee schedules,
  • Credit, Loan or deposit agreements,
  • The Bank's Privacy Policy or
  • Any regulatory or other written disclosures.

Consent

Your consent and agreement under this Agreement shall relate to the disclosures and periodic account statements as required under applicable law as a result of the various agreements between you and the Bank and shall remain valid until such time as you exercise your right to revoke this consent.

You hereby elect and authorize the Bank, at its discretion, to electronically deliver to you, account statement(s) and any disclosures, as specifically described above, that the Bank is required to provide under applicable Federal and State statutes and regulations in lieu of written statements. (Other Federal and state laws and regulations (laws) may be enacted or amended in the future to provide for electronic delivery of account statements and notices).

By accepting the terms of this agreement, you hereby authorize the Bank to provide periodic advisory emails to a working email address you have provided to notify you your statement(s), item images and disclosures are available. You will be required to use your normal access ID and password to the Bank's “eBank”, "eMobile" or “eBiz” website to view your electronic statements ("eStatements").

This Agreement remains subject to applicable Federal laws and the laws of the State of Montana. If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. Any headings in this Agreement are for convenience or reference only and will not govern the interpretation of the provisions. Any waiver (express or implied) by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or subsequent default or breach. You may not assign this agreement. This Agreement is binding upon your heirs and the Bank's successors and assigns. Certain obligations of the parties pursuant to this agreement by their nature would continue beyond the termination, cancellation or expiration of the Agreement, and shall survive termination, cancellation or expiration.

By entering into this agreement, you understand the Bank will cease providing the periodic monthly or quarterly (for consumer, commercial and business accounts) paper account statements to you by U.S. Mail. All future account statements will be maintained on the Bank's website for your convenience. You may access the Bank's website to obtain, review, print and otherwise copy/download your statement(s). After you commence receiving eStatements, the Bank will begin retaining at least 24 months of historical statement information on our eBank system.

eStatement Notification and Access

Each month the Bank will email a notice advising of the availability of your eStatement. At this time, you may access your statement via the Bank's website using the procedures described by the Bank's eBank Online User Agreement.

Your eStatement will be dated the day of the email notifying you of the availability of your eStatement (the “email date”) or the date we send the eStatement to the email address you have supplied. You must promptly access/review your eStatement and any accompanying items and notify us in writing within the applicable time period specified in your Account Agreement and Disclosure of any error, unauthorized or lack of signature, alteration or other irregularity.

If you allow someone else to access/review your eStatement, you are deemed to have viewed the eStatement and remain fully responsible for access/review of the statement for any errors, unauthorized signatures, alterations, or other irregularities. The applicable time periods within which you must notify us of any errors on your account eStatement(s) shall begin on the date of the email notifying you of the availability of your eStatement (the "email date") or the date we send the eStatement to the email address you have supplied, regardless of when you receive and/or open the eStatement.

Password/Logon ID Security

  • Your access ID and logon password are confidential information and should be known only to you individually. You are responsible for keeping your access ID and logon password, along with all other Account Information safe and secure.
  • If you incorrectly enter your logon password five (5) times you will be prevented from further access to “eBank”, "eMobile" or “eBiz”. If access is prevented due to incorrect password entry contact us at 1-877-300-9369 during our business hours to reset your password.
  • The Bank will not, for any reason, ask for your logon password or access ID. If you are contacted by anyone requesting this information, contact us immediately at the number provided above.

You are responsible to understand the importance of your role in preventing misuse of your accounts and account information. You agree to promptly examine your eStatement for each of the bank accounts on your eStatement(s), as soon as you receive/access it/them. You agree to protect the confidentiality of your Account Information. You understand your access ID and password by itself or together with information related to your account may allow unauthorized access to your account.

Errors and Unauthorized Transactions

You must report any errors, omissions, or discrepancies between your records and information viewed through eBanking or in any account statement (mailed or accessed through eBank, eMobile or eBiz), confirmation, or notice from the Bank immediately upon receipt and no later than thirty (30) days after receipt. If you are a consumer and you believe any Account Information has been lost, stolen or mishandled or if you believe an unauthorized transaction has been made or may occur from one of your accounts with the Bank, you must contact the Bank immediately and no later than sixty (60) days after you become aware of, or you reasonably should have become aware of, the potential unauthorized transaction or you receive notice of such transaction through eBank or from the Bank, any statement/eStatement (mailed or accessed through eBank), or confirmation, whichever comes first. If you do not report any unauthorized transaction within the sixty (60) day period, Bank is not liable for any further unauthorized transactions that Bank believes could have been prevented if it had been notified, as described above, and you risk unlimited losses on transactions made after the sixty (60) day period. You may contact the Bank using Secure E-Mail accessed through eBank customer service-contact us or by calling 1-877-300-9369, or writing to: Stockman Bank, Attn: Customer Service, PO Box 250, Miles City, MT 59301. You should never use regular or unsecure email to send sensitive information about you or your accounts. You hereby acknowledge that Bank may or may not be monitoring various items that may identify a security threat, such as, for example, the use of an unusual IP address. You hereby further acknowledge and agree that Bank shall not be responsible for identifying, or in any way liable for failing to identify, such potential security breaches. In the event Bank does identify such a threat, you must comply with Bank’s requests to provide assurance the transaction and/or use of eBanking is validly authorized.

Email Address Changes

You are responsible for notifying the Bank of any change in your email address and agree to notify the Bank immediately, via telephone, mail or email (using the Change Address Request on eBank) of any change. Notification of any email change should be received by the Bank at least ten (10) days prior to the end of your normal statement cycle, to avoid disruption in statement service.

Commercial and Business Accounts on eStatements

The following terms and conditions set forth the terms and conditions governing eStatements for commercial and business accounts. By accepting the terms of this agreement you hereby authorize the Bank to provide, at its discretion, periodic account statements on your commercial and business accounts directly to you through electronic mail in a password protected portable document format (pdf), or access to your eStatement after accessing eBank or eBiz. (See eStatement Notification and Access above.) Your authorization means the Bank may electronically provide an eStatement of your account(s) to a working email address provided by you.

The Bank, by your choice and authorization, will provide periodic eStatements, monthly or quarterly, directly to you. In these instances, you will have a special password, initially provided by the Bank, to view eStatements sent directly to you through email.

When you receive your first eStatement notification and if to view that eStatement you are logging in to eBank, eMobile, eBiz for the first time, using your initial bank assigned password, your password must be changed immediately after the initial sign-in. If the password is entered incorrectly, forgotten or compromised at any time, access will be terminated and you will not be able to view your eStatements. You will need to contact the Bank for immediate assistance at 1-877-300-9369 during business hours to reset your password.

It is your responsibility to protect your password from unauthorized persons or use. You agree it is your responsibility to ensure the eStatement cannot be intercepted or viewed by others. You must comply with all security and confidentiality terms and conditions described herein.

You are responsible for notifying the Bank of any email or mailing address changes and agree to notify us immediately by mail or email (using the Change Address Request on eBank) of any changes. Changes need to be received at least ten (10) days prior to the end of your normal statement cycle to avoid disruption in statement service.

For security and protection, the Bank will not change an email delivery point on a commercial or business account where the bank sends eStatements directly to a commercial or business email delivery point, until notified in writing of the change at:

•  Stockman Bank Central Customer Service, P.O. Box 250, Miles City MT 59301 or through an eBank change form or written instructions to an eBiz specialist.

For assistance, you are welcome to call the Bank at 1-877-300-9369.

Privacy and Data Transfer

Data retrieved or received by you from eBank or eBiz is not encrypted. You hereby acknowledge that the Bank cannot and does not warrant that data transfers utilizing the internet, or email to or from the Bank, will not be monitored or read by others. You further agree it is your responsibility to ensure the eStatements cannot be intercepted or viewed by others

You understand you have no expectation of privacy if eStatements are transmitted to an email address owned by others. You further agree to release the Bank from any liability if the information is intercepted or viewed by unauthorized parties at an email address selected and provided by you.

Withdrawal and Cancellation of Electronic Delivery

You have the right to withdraw your consent to receive electronic periodic eStatements and related images and disclosures at any time.

  • If you wish to cancel electronic delivery of eStatements, you may contact the Bank electronically, by using the Change Statement Delivery form on eBank, or by writing the bank at:

Stockman Bank Central Customer Service, P.O. Box 250, Miles City MT 59301

For personal assistance call 1-877-300-9369.

The withdrawal of your consent for eStatements must be received at least ten (10) days prior to the end of your normal statement cycle date to not affect your next month's paper statement production. A paper statement will be mailed to the Bank's last address of record for you. You agree it is your responsibility to assure your mailing address of record on the Bank's system is accurate and current at all times. For security purposes eStatements will be discontinued after six months of inactivity on eBank, eMobile or eBiz and paper statements will then be mailed to the address of record within bank systems.

Emergency Statements

In case of emergencies and/or problems with electronic access, periodic statements and item images will be available for printing at any Stockman Bank branch location.

Change of Terms

The Bank may change any term of this Agreement at any time. If such change would result in increased fees for any service provided by the Bank, or increased liability for you, the Bank agrees to provide at least 30 days notice prior to the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer system. The Bank will provide any required notice of the Change of Terms to you by email, eStatement messages, other electronic messages or notices or postal mail.

If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or the Bank's electronic fund transfer system, the Bank will notify you of the Change of Terms within 30 days after the change becomes effective.

If there is more than one party on the account, notice to any one-account owner will be sufficient notice for all.

Fees and Charges

You acknowledge and agree the applicable deposit agreements and disclosures govern changes to fees applicable to specific accounts. The Bank reserves the right to waive, reduce or reverse charges or fees in individual situations.

Warranty

The Bank makes no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the eStatements provided to you under this Agreement. The Bank does not and cannot warrant eStatements will operate without error, or that eStatements will be available at all times, except as specifically provided for in this Agreement, or otherwise required by law.

You agree that the officers, directors, employees, agents or contractors of the Bank are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products provided under this Agreement or by reason of your use of eStatements, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty or any other legal theory. Further, in no event shall the liability of the Bank and its affiliates exceed the amounts paid by you for the eBanking, eMobile or eBiz service(s) of or through eStatements.

This agreement is the sole agreement between you and the Bank governing your use eStatements. It is expressly understood there are no oral agreements or understandings between you and the Bank which will be deemed to extend, restrict or otherwise supersede the exact terms of this agreement.

I have read and agree to the terms and conditions of the Electronic Delivery of Statements (eStatements) & related disclosures and would like to receive eStatement and disclosure delivery. I understand that for the accounts I have listed above I will no longer receive a printed periodic statement by U.S. Mail. I also agree I have the minimum hardware/software to obtain and retain these statements, images and disclosures as described above.

eStatement Disclosures

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5. eMobile

Terms and Conditions: Stockman Bank of Montana eMobile

Thank you for using Stockman Bank of Montana’s Mobile Banking (eMobile) through your access device combined with your access device/handheld's text messaging capabilities. Message & Data rates may apply. For help, text "HELP" to 99588. To cancel, text "STOP" to 99588 at anytime. In case of questions please contact customer service at 877-300-9369 or visit www.stockmanbank.com.

Terms and Conditions

Program: Stockman Bank of Montana offers their customers mobile access to their account information (e.g., for checking balances and last transactions) over SMS, as well as the option to set up alerts for their accounts (e.g., low balance alerts). Enrollment requires identification of the user's banking relationship as well as providing a mobile phone number. The mobile phone number's verification is done by the user receiving an SMS message with a verification code which they will have to enter on the website. Additionally, customers may select the type of alerts and other preferences which will determine, together with their account data, the frequency of alerts delivered to the customer. This program will be ongoing. Message & Data rates may apply. Customers will be allowed to opt out of this program at any time.

Questions: You can contact us at 877-300-9369, or send a text message with the word "HELP" to this number: 99588. We can answer any questions you have about the program.

To stop the program: To stop the messages from coming to your phone, you can opt out of the program via SMS. Just send a text that says "STOP" to this number: 99588. You'll receive a one-time opt-out confirmation text message. After that, you will not receive any future messages.

Terms & Conditions: By participating in Mobile Banking, you are agreeing to the terms and conditions presented here.

Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless

Mobile Banking and any software you may obtain from Mobile Banking (“Software”) may not be available at any time for any reason outside of the reasonable control of Stockman Bank of Montana or any service provider.

Privacy and User Information. You acknowledge that in connection with your use of Mobile Banking, Stockman Bank of Montana and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with Mobile Banking or the Software (collectively “User Information”). Stockman Bank of Montana and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver Mobile Banking and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you. Stockman Bank of Montana and its affiliates and service providers also reserve the right to monitor use of Mobile Banking and the Software for purposes of verifying compliance with the law, these terms and conditions and any applicable license, but disclaim any obligation to monitor, filter, or edit any content.

Restrictions on Use. You agree not to use Mobile Banking or the Software in or for any illegal, fraudulent, unauthorized or improper manner or purpose and will only be used in compliance with all applicable laws, rules and regulations, including all applicable state, federal, and international Internet, data, telecommunications, telemarketing, “spam,” and import/export laws and regulations, including the U.S. Export Administration Regulations. Without limiting the foregoing, you agree that you will not use Mobile Banking or the Software to transmit or disseminate: (i) junk mail, spam, or unsolicited material to persons or entities that have not agreed to receive such material or to whom you do not otherwise have a legal right to send such material; (ii) material that infringes or violates any third party’s intellectual property rights, rights of publicity, privacy, or confidentiality, or the rights or legal obligations of any wireless service provider or any of its clients or subscribers; (iii) material or data, that is illegal, or material or data, as determined by Stockman Bank of Montana (in its sole discretion), that is harassing, coercive, defamatory, libelous, abusive, threatening, obscene, or otherwise objectionable, materials that are harmful to minors or excessive in quantity, or materials the transmission of which could diminish or harm the reputation of Stockman Bank of Montana or any third-party service provider involved in the provision of Mobile Banking; (iv) material or data that is alcoholic beverage-related (e.g., beer, wine, or liquor), tobacco-related (e.g., cigarettes, cigars, pipes, chewing tobacco), guns or weapons-related (e.g., firearms, bullets), illegal drugs-related (e.g., marijuana, cocaine), pornographic-related (e.g., adult themes, sexual content), crime-related (e.g., organized crime, notorious characters), violence-related (e.g., violent games), death-related (e.g., funeral homes, mortuaries), hate-related (e.g. racist organizations), gambling-related (e.g., casinos, lotteries), specifically mentions any wireless carrier or copies or parodies the products or services of any wireless carrier; (v) viruses, Trojan horses, worms, time bombs, cancelbots, or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data, or personal information; (vi) any material or information that is false, misleading, or inaccurate; (vii) any material that would expose Stockman Bank of Montana, any third-party service provider involved in providing Mobile Banking, or any other third party to liability; or (viii) any signal or impulse that could cause electrical, magnetic, optical, or other technical harm to the equipment or facilities of Fiserv or any third party. You agree that you will not attempt to: (a) access any software or services for which your use has not been authorized; or (b) use or attempt to use a third party’s account; or (c) interfere in any manner with the provision of Mobile Banking or the Software, the security of Mobile Banking or the Software, or other customers of Mobile Banking or the Software; or (d) otherwise abuse Mobile Banking or the Software.

Use of Google Maps: You agree to abide by the Google terms and conditions of use found at http://maps.google.com/help/terms_maps.html and the Google Legal Notices found at http://www.maps.google.com/help/legal notices_maps.html, or other URLs as may be updated by Google.

In addition you agree to the terms and conditions upon completion of the normal sign up process for Mobile banking (eMobile).

You also hereby agree to the terms and conditions of this mobile banking agreement and also with Stockman Bank’s eBank/Online User Agreement each time you log into Stockman Bank of Montana’s various electronic access banking channels.

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6. eMobile Remote Deposit

eMobile Remote Deposit Service Addendum

This Addendum to the Stockman Bank eBank/Online User Agreement (“Addendum”) sets forth the terms and conditions that govern any use of the eMobile Remote Deposit Service supplied to bank customers via Stockman Bank’s eMobile Banking Service. The eMobile Remote Deposit Service Addendum is agreed to and ratified by you every time you or your mobile device uses the eMobile Remote Deposit Service through Stockman Bank’s eMobile Banking Service.

The Provisions of this Addendum are controlled by the rights, obligations and liabilities established by the Stockman Bank eBank/Online User Agreement and this addendum which are entered into and agreed to by and between the CUSTOMER and (Stockman Bank) BANK each time CUSTOMER uses the eMobile or eMobile Remote Deposit Service. There may be additional fees associated with this service which will be disclosed to CUSTOMER as appropriate or required by law.

In this Addendum, the term “Check 21 Law” refers to the federal law commonly known as The Check Clearing for the 21st Century Act. The terms “eMobile Remote Deposit Service or Remote Deposit Service” refers to the remote deposit services as described herein. The term “CUSTOMER or USER” shall mean the customer or customer’s identified device which is using the Remote Deposit Service.

Relationship to Deposit Account Agreement
The CUSTOMER is required to have, and maintain, a checking/transaction account with BANK in order to use the Mobile Remote Deposit Service. If CUSTOMER does not currently have a checking/transaction account with the BANK, CUSTOMER must open a checking account prior to use of the Remote Deposit Service and maintain a checking account with BANK at all times while using the Remote Deposit Service.

BANK’S eBank/Online User Agreement and this Addendum are intended to supplement CUSTOMERS Deposit Account Terms and Conditions with the BANK. The eBank/Online User Agreement (the “Banking Agreement”), applicable Addendums to the eBank/Online User Agreement, and the Deposit Account Terms and Conditions should therefore be read and construed together. BANK may limit new account/new customer access to the Remote Deposit Service.

Remote Deposit Service
Through the use of the Remote Deposit Service, CUSTOMER has chosen to use check conversion technology to convert original checks to substitute checks for deposit with BANK as the bank of first deposit. COMPANY will transmit electronic copies of original checks using only their “smart phone or other access device”. “Substitute Checks,” as defined in the Check 21 Law, may be prepared to facilitate the deposit and collection of the checks which CUSTOMER has transmitted. CUSTOMER understands and agrees that the Remote Deposit Service and any and all related activities may be provided by the BANK or by the BANK’s designated agent. The CUSTOMER understands that technology changes rapidly and their particular “smart phone/device” may or may not deliver acceptable images of checks or data to be able to use the Remote Deposit Service. CUSTOMER acknowledges that they may not be able to use the Remote Deposit Service after exchanging/purchasing a new “smart phone or other access device” and agrees to hold bank harmless for any loss of eMobile Banking Services functionality due to that event. Further CUSTOMER agrees to assist BANK and deliver any necessary unique Setup Information access that may be necessary for their “smart phone or other access device” to utilize the Remote Deposit Service. CUSTOMER agrees to abide by any system specifications established by the BANK.

Regulation CC - The Funds Availability Schedule is set forth in the BANK’s Funds Availability Policy and Disclosure as separately provided. In certain instances, the bank may determine that a hold is necessary to protect the bank from potential loss on CUSTOMERS deposit. In those circumstances, the bank will avail itself of the longer delays to availability allowed by Regulation CC and will provide notice to the customer of the delay in availability. If CUSTOMER deposits a check using the Remote Deposit Service, BANK may withhold the availability of that deposit of funds to CUSTOMERS account(s) in accordance with Regulation CC before providing available credit to the applicable account.

CUSTOMERS Duties and Obligations
CUSTOMER is responsible for all warranties or indemnifications for the Reconverting and Truncating Bank, as defined in the Check 21 Law. CUSTOMER also warrants that no depository bank, drawee, drawer, or endorser will be charged for a Substitute Check, original check, or other electronic representation of a check that has already been paid. If CUSTOMER creates an electronic representation or “Substitute Check” for deposit into CUSTOMER’S account, USER agrees that:

  • The electronic representation or “Substitute Check” accurately represents all of the information on the front and back of the original check as of time the original check was converted;
  • The electronic representation or “Substitute Check” bears all endorsements applied by any party that previously handled the original check in any form for forward collection or return;
  • The electronic representation or “Substitute Check” preserves the identity of any other bank or other party as required by law;
  • Original checks will be stored in a safe place, accessible only to CUSTOMER or their agents, for 30 days to permit research if items are questioned by parties involved in the processing and clearing of a transaction or become the subject of any other legal inquiry. After the 30 day period, CUSTOMER is required to use a commercially-acceptable method to securely destroy all original paper checks; and
  • If a check should be returned to the bank for a reason of non-sufficient funds (NSF), the check cannot be re-deposited through the Remote Deposit Service but may be re-deposited a maximum of two more times. If the item is returned a third time you will need to present it to the paying bank as a collection item in order to attempt collecting the value of the check. If a check is returned for a reason other than NSF, CUSTOMER will not be able to use the Remote Deposit Service and will be required to obtain authorization from an authorized BANK representative before re-depositing the check.

BANK reserves the right to eliminate or change any of the function capabilities at any time without prior notice. CUSTOMER is responsible for all transactions made through their established device and User ID and password. CUSTOMER will not make any passwords available to any non-authorized persons. Bank will not be liable for non-authorized use of Remote Deposit or for any losses or liability that may result. CUSTOMER will notify Bank immediately if CUSTOMER believes that their device, User ID and/or password has been used without CUSTOMER’S permission. CUSTOMER is responsible to review all statements in a timely manner and report in writing any irregularities to the BANK at once. CUSTOMER is responsible for maintaining their “smart phone or access device” or equipment or software needed to use the Remote Deposit Service in good operating condition. CUSTOMER agrees to abide by any system specifications established by the BANK. CUSTOMER deposits using the Remote Deposit Service are limited to $2,500.00 in deposits per day and $1,000.00 per item deposited.

CUSTOMER agrees to indemnify BANK for any loss or expense, including attorney fees and disbursements, which the BANK incurs as a result of CUSTOMERS breach of the warranties set forth in this Addendum. CUSTOMER also agrees to defend, indemnify, and hold the BANK harmless from and against all liability, damage, and loss, including attorney fees and disbursements, arising out of any claims, suits, or demands brought by third parties against the BANK with respect to any “Substitute Check” including, without limitation, any errors arising out of keying errors on reject items. CUSTOMER also agrees to indemnify, defend, and hold harmless the BANK from and against any and all losses, costs, expenses, fees, claims, damages, liabilities, and causes of actions (including attorney fees and disbursements) of third parties resulting or arising from: (a) CUSTOMERS failure to abide by or perform any obligation imposed upon it under this Addendum; (b) the willful misconduct, fraud, criminal activity, intentional wrongdoing, or negligence of CUSTOMER or any of CUSTOMERS representatives involving use of the Remote Deposit Services and all services and activities described herein; (c) the actions, omissions, or commissions of CUSTOMER, CUSTOMERS agents relating to the Remote Deposit Service; and, from (d) any transmission or instruction, whether or not authorized, made by CUSTOMER in connection with the Remote Deposit Service that is acted upon by the BANK in good faith.

Stockman Bank’s Duties and Obligations
Bank will process all transactions received during the hours established by the BANK for accepting items deposited through the Remote Deposit Service, except when prevented from doing so due to equipment or electrical failures or any other condition beyond the reasonable control of the BANK. If the Remote Deposit Service is not functioning, CUSTOMER will need to make CUSTOMERS deposit at one of the BANKS branches. The cutoff time for the Remote Deposit service is 6:00pm MDT/MST (whichever applies). If a deposit is made prior to the cutoff time, Bank will credit CUSTOMERS account on the NEXT business day after the deposit is processed. Items deposited after 6:00pm will be processed on the next business day and credited on the FOLLOWING business day after the day of processing. Although we accept deposits using the remote deposit Service method until 6:00pm, BANKS customer service hours end at 5:00pm each business day excluding Federal Holidays. If there is an issue with a deposit or the Remote Deposit Service after 5:00pm, CUSTOMER will need to contact the BANK the following business day for assistance.

Warranties; Disclaimer of Warranties
The Remote Deposit Service is provided on an “as is” and “as available” basis. The BANK makes no and expressly disclaims all warranties, express or implied, regarding the remote deposit service, including the warranty of title and the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Without limiting the generality of the foregoing, the BANK disclaims any warranties regarding the operation, performance or functionality of the remote deposit service (including, without limitation, that it will operate without interruption or be error free). There are certain security, information corruption, transmission error, and access availability risks associated with using open networks such as the internet and/or telecommunication lines or circuits. You hereby assume all such risks associated with use of the remote deposit service.

Limitation of Liability
The total liability of the BANK in connection with any deposit error arising from CUSTOMERS use of the Remote Deposit Service shall be limited to a correction of any error arising from the negligence of the BANK.

The BANKS maximum potential liability shall, in any event, be limited to direct damages sustained by CUSTOMER as a direct result of the BANKS gross negligence or willful misconduct. The maximum aggregate liability of the BANK resulting from any such claim shall not exceed the total fees paid by CUSTOMER for the remote deposit service in the six month period preceding the date of the claim. In no event shall the BANK be liable for special, incidental, punitive or consequential loss or damage of any kind, including lost profits.

Term and Termination
The term of this Addendum shall begin when CUSTOMER uses the Remote Deposit Service and shall continue for so long as CUSTOMER or CUSTOMER’S device continues to use the service. The BANK may at any time terminate CUSTOMERS use of the Remote Deposit Service.

Amending This Addendum
The BANK may change, amend, or otherwise revise this Addendum at any time.

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7. eAlerts

eAlerts

eAlerts are a “self service electronic account message” and must be activated by you. eAlerts allow you to choose eAlert messages for your accounts based on activity on your accounts, such as a check clearing or your account balance decreasing below a specified level. Depending on the type of eAlert selected, the eAlert message may be sent within minutes of the transaction or may be sent the following Business Day. Each eAlert provides for different methods of delivery, i.e. email, text messages, etc., and you will select among these options upon activation of an eAlert. If your contact information for an eAlert changes, you are responsible for updating the information for the eAlert.

Stockman Bank will attempt to provide eAlerts in a timely manner with accurate information; however, eAlerts may be delayed or prevented by a variety of factors. Stockman Bank neither guarantees the delivery nor the accuracy of the contents of any eAlert. You agree that Stockman Bank shall not be liable for any delays, failure to deliver, or misdirected delivery of any eAlert; for any errors in the content of an eAlert; or for any actions taken or not taken by you or any third party in reliance on an eAlert. Because eAlerts are not encrypted, Stockman Bank does not include your Login Codes or full account number(s). However, eAlerts may include your name and some information about your accounts. Depending upon which eAlerts you select, information such as your account balance or the due date for a payment may be included. You acknowledge that anyone with access to your email will be able to view the contents of an eAlert, and you accept the consequences of the same. eAlerts are not intended to replace your account statements or any other communications we may provide to you regarding your account(s).

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8. Security

Stockman Bank eBank Security

The eBank Security system is equipped with state of the art hardware and software engineered by a leading bank vendor.

Stockman Bank has implemented fire walls with intrusion detection 24 hours a day 365 days a year.

Stockman Bank is set up through VeriSign and Thawte with Secure Server IDs and uses 128-bit SSL encryption to protect our customers’ information.

By using a Secure Server ID, available from VeriSign and Thawte as part of its Secure Site and Secure Site Plus solution package along with 128-bit SSL encryption:

  • Stockman Bank is enabling our eBank site to conduct authenticated, encrypted online commerce.
  • Users visiting our site are able to submit account numbers and other personal information, with assurance that they are really doing business with us (and not an impostor).
  • The information that they are sending and receiving while on line with us cannot be intercepted or decrypted by anyone other than the intended recipient.
  • Clicking on the Verisign or Thawte Seal at the bottom of our eBank web pages should bring up one of the following. If not, do not continue, contact us @ 1-877-300-9369.

EBANK.SECURE.STOCKMANBANK.COM is a VeriSign Secure Site

This information is included in the SSL certificate that VeriSign issued. This enables you to check the site's validity yourself. Always check a site's certificate before entering any sensitive information. Below are the details for the ebank.secure.stockmanbank.com certificate:

Site Name ebank.secure.stockmanbank.com
SSL Certificate Status Valid
Validity Period 07-March-2014 to 09-April-2016
Server ID Information Country = US
State = Montana
Locality = Miles City
Organization = Stockman Bank of Montana
Organizational Unit = Stockman Bank of Montana
Organizational Unit = Terms of use at www.verisign.com/RPA (c)01
Common Name = ebank.secure.stockmanbank.com



 


 


 

 

 

If the information is correct, you may submit sensitive data (e.g., credit card numbers) to this site with the assurance that:

  • This site has a VeriSign Secure Server ID.
  • VeriSign has verified the organizational name and that STOCKMAN BANK OF MONTANA has the proof of right to use it.
  • This site legitimately runs under the auspices of STOCKMAN BANK OF MONTANA.
  • All information sent to this site, if in an SSL session, is encrypted, protecting against disclosure to third parties.

To ensure that this is a legitimate VeriSign Secure Site, make sure that:

  • The original URL of the site you are visiting comes from EBANK.SECURE.STOCKMANBANK.COM.

EBANK2.SECURE.STOCKMANBANK.COM is a Thawte Secure Site

This information is included in the SSL certificate that Thawte issued. This enables you to check the site's validity yourself. Always check a site's certificate before entering any sensitive information. Below are the details for the ebank2.secure.stockmanbank.com certificate:

[ organization ] STOCKMAN BANK OF MONTANA
[ domain ] ebank2.secure.stockmanbank.com
[ country ] US
[ current status ] Valid
[ valid from ] 06-June-2013
[ valid until ] 07-Jul-2015



 


 


 

If the information is correct, you may submit sensitive data (e.g., credit card numbers) to this site with the assurance that:

  • This site has a Thawte Secure Server ID.
  • Thawte has verified the organizational name and that STOCKMAN BANK OF MONTANA has the proof of right to use it.
  • This site legitimately runs under the auspices of STOCKMAN BANK OF MONTANA.
  • All information sent to this site, if in an SSL session, is encrypted, protecting against disclosure to third parties.

To ensure that this is a legitimate Thawte Secure Site, make sure that:

  • The original URL of the site you are visiting comes from EBANK2.SECURE.STOCKMANBANK.COM.

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9. General Terms and Disclosure

Product and Service Disclosure

We reserve the right to change the fees or other terms described in the Agreement at any time. This does not include any changes to your "Account Terms and Conditions" you received when opening your account. Changes in Account Terms will always be mailed, emailed or notified by eStatement or other electronic method at least 30 days in advance of the change pursuant to the terms set forth in those agreements. Any charges, fees or other terms changed that affect this Site will be posted at this Site. For security purposes Stockman Bank will disable eBank, eMobile, eBiz access after six (6) months of nonuse. Please contact us at 1-877-300-9369 or at any of our Stockman Bank locations in order to re-enable access to your accounts through eBank, eMobile, or eBiz.

NOTICE: All transactions conducted over eBank are considered by the federal government as electronic "telephonic" transfers and considered "third party transfers" and are limited in number per statement cycle (month) for certain accounts under the Federal Reserve Act (Reg D). Refer to the disclosure that details the transactions allowed under Reg D that you were provided upon opening of a savings, money market or tiered interest account.

Funds Availability

The following disclosure was provided to you upon opening a transaction (checking) account at Stockman Bank. This is also disclosed here to help you clearly understand when your funds are available following deposits for scheduling a Bill Payment.

Your Ability To Withdraw Funds At Stockman Bank of Montana

This policy statement applies to "transaction" accounts. Transaction accounts, in general, are accounts which permit an unlimited number of payments to third persons and an unlimited number of telephone and preauthorized transfers to other accounts of yours with us. Checking accounts are the most common transaction accounts. Please ask us whether any of your other accounts might also be under this policy.

Our policy is to make funds from your cash or check deposits available to you on the first business day after the day we receive your deposit through one of our traditional teller stations. Electronic (ACH) direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written. Please remember that even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and Federal holidays. Our typical item processing business day cut off time is 6 pm MST/MDT whichever applies. Emergency situations such as failure of computer or communications or power outages may delay deposit processing and availability.

If you make a deposit through one of our teller lines on a business day that we are open, we will consider that day to be the day of your deposit. Deposits made in our "Night Deposit" or "after hours" deposit receptacles at our facilities have special rules and are typically processed the business day following placement of deposit in the receptacle. If you plan to make night deposits please inquire as to those rules.

Remote mobile deposits are typically available the day after the deposit is made however these deposits may be delayed further due to additional processing or other issues.

If you make a deposit at an ATM before 12:00 noon on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit at an ATM after 12:00 noon on a business day that we are open or on a non-business day, we will consider that the deposit was made on the next business day we are open.

If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in one of your accounts. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.

Longer Delays May Apply

Case-By-Case Delays. In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $200 of your deposits, however, may be available on the first business day after the day of your deposit.

If we are not going to make all of the funds from your deposit available on the first business day after we receive your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made in person directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the first business day after we receive your deposit.

If you will need the funds from a deposit right away, you should ask us when the funds will be available.

Safeguard Exception Delays. Funds you deposit by check may be delayed for a longer period under the following circumstances:

  • We believe a check you deposit will not be paid.
  • You deposit checks totaling more than $5,000 on any one day.
  • You redeposit a check that had previously been returned unpaid.
  • You have overdrawn your account repeatedly in the last six months.
  • There is an emergency, such as failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Special Rules For New Accounts

If you are a new customer, the following special rules will apply during the first 30 days your account is open.

Funds from electronic direct deposits into your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, travelers', and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit.  Repeated overdraft activity may delay funds availability. Funds from all other check deposits will be available on the 10th business day after the day of your deposit.

Error Notification, Correction and Resolution

Stockman Bank ePay Regulation E "Electronic Funds Transfer Act" Error Resolution Applicability:

Stockman Bank's internet web-site product "ePay" processes payments (to your creditors) via electronic funds transfer methods and by check. Payments to creditors via our ePay service fall under the provisions of the Federal Reserve Board's Regulation E (Electronic Funds Transfer Act).

The following Regulation "E" (Electronic Fund Transfer Act) disclosure was provided to you when you opened an account that may have electronic transactions conducted (e.g. ATM or Debit Card or Automatic Deposit). This disclosure is also provided in this Agreement to inform you how to contact us in the event you detect an error has occurred when viewing your account(s) transaction statements while viewing online through eBank. Remember, when viewing accounts, or conducting transfers from one account to another, the accounts are "real time". This means that deposits and transactions that occurred prior to your viewing should be reflected on eBank. However, some transactions such as a transfer from checking account to pay down an Overdraft Protection line, loan payments, advances or a transaction completed at an ATM may not reflect until the 24 hour "update" has occurred on our data processing system.

In case of errors or questions about your electronic transfers, call or write us at the telephone number, mailing address or email address listed in the Communicating With Us and email section of this Agreement. Inform us as soon as possible, 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 no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

  1. Tell us your name and account number (if any).
  2. 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.
    Tell us the dollar amount of the suspected error.
  3. 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 the transfer involved a point-of-sale transaction and 20 business days if the transfer involved a new account) after we hear from you. We 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 the transfer involved a point-of-sale transaction and 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 us 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 is made, if you are a new customer.

We will tell you the results within three 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.

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Each time you log in to Stockman Bank of Montana's eBank for Personal and Small Business Banking, eBiz or eMobile banking electronic access banking software, you agree to and are bound by the terms and conditions of Stockman Bank of Montana's eBank/Online User Agreement.


You agree that any information, disclosures, notices, data or supplemental information to or under this Agreement or by law or regulation or any amendments to this Agreement may be sent to you by electronic communication, including email to you or by posting on Stockman Bank's website.
You acknowledge that you have read and understand and agree to the terms, conditions, provisions, rules and policies disclosed in this Agreement prior to your first attempt to access your online accounts.

Note: You will need to have applied for and received an Internet Banking "eBank" Login ID and Password prior to logging on.

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