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Privacy

Legends Bank Privacy Policy

 

We recognize, respect and protect the personal privacy rights of all our customers. We realize that our customers entrust us with personal information and it is our policy to maintain our customers’ information in a confidential manner. We are committed to providing the highest level of security and privacy regarding the collection and use of our customers’ personal information, as well as personal information of all consumers who visit our institution and/or website.

 

 

To learn how Legends Bank handles your personal information, click here.

 

 

 

Legends Bank Online Banking Access Agreement

 

 

This Online Banking Access Agreement for accessing your accounts via Legends Bank Internet Banking explains the terms and conditions governing the following online services: banking, bill payment, and other banking services offered through Legends Bank Online Banking. Only accounts maintained with Legends Bank may be accessed by Legends Bank Online Banking. Please read this information and indicate your acceptance by clicking "I Accept" at the bottom of the page to continue the registration process.

 

 

Introduction

 

 

This Legends Bank Online Banking Access Agreement governs your use of Legends Bank Online Banking. Throughout this web site the Access Agreement will be referred to as "Agreement”. You agree to receive this Agreement and Initial Disclosures electronically. After you have carefully read this Agreement, you will be asked to consent to all the terms and conditions of this Online Banking Access Agreement. Your accessing any of your eligible accounts through Legends Bank Online Banking acknowledges your receipt and understanding of this disclosure. We suggest that you print a copy of this Agreement for future reference.

 

You or Your - Refers to the individuals, corporations, partnerships, limited liability companies and sole proprietorships subscribing to or using Legends Bank Online Banking.

 

 

We, Us, or Our - Refers to Legends Bank and any agent, independent contractor, designee or assignee Legends Bank may involve in the provision of Legends Bank Online Banking.

 

 

Business Day - Our Business Days are Monday through Friday. Federal holidays are not included. You may use this service 24 hours a day, seven days a week, except during periods of maintenance. Bill payments are processed only on Business Days.

 

 

Business Day Cut-Off - For posting purposes, the bank will process all transactions completed by 4:00 p.m. on that business date. Transactions completed after 4:00 p.m. Central Standard Time, USA, including transfers, will be processed on the following Business Day.

 

 

Consumer Accounts - Means a demand deposit or other asset account in the name of an individual held for personal, family or household purposes.

 

 

Privacy Statement - Legends Bank understands how important privacy is to our customers. We have taken steps to insure your security and privacy for your personal and financial dealings with the bank. Our customer privacy statement can be obtained by clicking on any Legends Bank Privacy link or button throughout the Legends Bank Online Banking web site.

 

 

 

Internet Security Information

 

 

Legends Bank Online Banking is part of a network that utilizes a comprehensive security strategy to protect your accounts and transactions conducted over the Internet. In-depth information on many of the techniques and features employed by the system can be viewed and are explained in our Legends Bank Online Security statement. In addition to our login security, we use the SSL (secure socket layer) encryption technology for everything you do in Legends Bank Online Banking system. Whenever SSL is securing your communications, the browser will typically indicate the "secure session" by changing the appearance of a small icon of a padlock at the bottom of the screen from open to locked. What this means to you is that your communications are scrambled from your browser to our servers at all times so no unauthorized party can read the information as it is carried over the Internet.

 

 

Login Security

 

 

Security is very important to Legends Bank. When you login to the service for the first time, you will use your account number and the last four digits of your social security number (personal accounts) or taxpayer identification number (businesses). You will then be prompted to select a new "Access ID" and "Password" that you will thereafter use to gain access to your accounts. Your session time limit is limited to sixty (60) minutes, but to help prevent unauthorized access and ensure the security of your accounts, we will end your online session if we have detected no activity for twenty (20) minutes. This is to protect you in case you accidentally leave your computer unattended after you log on. When you return to your computer, you will be prompted to re-enter your password and your session will continue where you left off. Because your password is used to access your accounts, you should treat it as you would any other sensitive personal data. You should carefully select a password that is hard to guess. Keep your password safe. Memorize your password and never tell it to anyone. You may consider changing your password occasionally, such as every 90 (ninety) days. This can be done at any time, after you are logged in, from the "options" menu.

 

 

Balance Inquiries, Bill Payments and Transfers

 

 

You may use Legends Bank Online Banking to check the balance of your accounts, transfer funds between your accounts and pay bills from your eligible accounts. Balances in your accounts may differ from your records due to deposits in process, outstanding checks or other withdrawals, payments or charges. If you have further questions, contact us at customerservice@legendsbank.com.

 

 

Special Information about E-Mail

 

 

Generally, requests received from the system will be processed within two (2) business days using procedures that would handle similar requests received by mail or fax. If urgent action is required, we recommend that you contact Legends Bank directly by telephone at (931) 503-1234 between 8:30 a.m. and 4:00 p.m., Monday - Thursday, Friday from 8:30 a.m. to 5:30 p.m., and 9:00 a.m. to noon on Saturday, or in person.

 

 

Bill Payment Service

 

 

The Bill Payment Service lets you schedule bill payments through Online Banking and also allows you to see a history of all the payments made from your accounts. You must designate a specific checking account as your bill payment account.

 

Accountholders that require two (2) signatures for withdrawal purposes will be unable to access the Online Bill Payment Service.

 

 

Eligibility: You may pay any merchant or individual approved for payment by Legends Bank for payment through Online Bill Payment Service. Online bill payments are available only to payees with a U.S. mailing address. By furnishing us with the names and account information of those payees to whom you wish to direct payment, you authorize us to follow the payment instructions, which you provide to us via Legends Bank Online Banking Service for these payees. When we receive a payment instruction for the current date or future date, we will remit the funds to the payee on your behalf from the funds in your selected account on the day you have instructed them to be sent (Payment Date). We will be unable to process any payments to federal, state or local tax agencies, and any court-ordered payments such as alimony or child support.

 

 

The daily limit for the total dollars of payments approved is governed by the system’s available balance in the checking account selected for making the payment. You can withdraw up to the system’s available balance as long as your account shows sufficient funds to cover your payments. The payment will normally be charged to your account on the business date that it is approved.

 

 

If for any reason a scheduled payment processed through the system is declined, it will automatically be rescheduled for the following business day. The system will continue to attempt to pay the bill on the following business days until there are sufficient funds or you cancel or reschedule it.

 

 

Although payments may be scheduled for the current business day or any date in the future at any time, they will only be processed once a day at our cut-off time, usually around 4:00 p.m. CST on any business day. Anything scheduled on a non-business day, or after the cut-off time, will not be sent out until the following business day.

 

 

Since we must forward the funds and billing information to the payee, some lead-time for payments is necessary. Our system assumes the payee/vendor will promptly process the payment on the business day it is received. Any delays caused by the payee/vendor would result in additional days before the payment would show on their records.

 

 

To avoid incurring a finance charge or other charges, you must schedule a payment sufficiently in advance of the due date of your payment. It is necessary that all Payment Dates selected by you be no less than five (5) full Business Days before the actual due date, not the late date and/or a date in the grace period.

 

 

Not all payees accept electronic bill payments. In the event that the payee for your scheduled payment does not accept payment via the electronic system, your payment will be made by mailing a paper check. Paper payment requires longer delivery time. Payments made by paper should be scheduled at least seven (7) full Business Days prior to the actual due date, not the late date and/or a date in the grace period. In all cases, the payment will be delivered to the payee/vendor by the tenth business day after the payment was approved and charged to your account. If there is no activity with your bill payment service for 90 days, your access will be automatically terminated.

 

 

 

Transfer Types and Limitations

 

 

  1. Account Access
    You may use the Service to:
    • Transfer funds between eligible accounts (checking, savings, loans and lines of credit) on a one-time or recurring basis;
    • Obtain account balances;
    • Pay bills directly from your accounts(s) on a one-time, fixed or variable recurring basis, in accordance with the terms of this Agreement to merchants and individuals in the U.S.;
    • Review transaction history;
    • Receive images of checks;
    • E-mails to customer service;
    • Print statements;
    • Download account information to personal software program.
  2. Limitations on Frequency of Transfers
    You may initiate an unlimited number of transfers between your eligible accounts subject to the limitations that apply to the maximum number of automatic or recurring withdrawals from savings and money market accounts.
  3. Limitations on Dollar Amount of Transfers/Bill Payments
    Each transfer between accounts and the maximum aggregate amount per day is unlimited. Bill payments will be paid from checking accounts only. Dual signature checking accounts (accountholders that require two (2) signatures for withdrawal purposes) will not be eligible for Bill Payment Service. Each bill payment and maximum aggregate amount per day is unlimited from an eligible account.

 

Fees for the Legends Bank Online Banking Service

 

The Legends Bank Online Banking service is available to our personal and business account customers. Our personal online banking service is available at no monthly charge for account information services, transfers between accounts, and unlimited bill payment.

 

Our small business online banking service has enhanced cash management features and can be customized for individual business needs. There are fees associated with this service. For more information, please call 931-503-1234.

 

 

 

Notice of Your Liability (Applicable to Consumer Accounts Only)

 

 

Tell us AT ONCE if you believe your Access ID and Password have been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account plus your maximum overdraft line of credit. If you believe your Access ID and Password has been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Access ID and Password without your permission.

 

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

 

 

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time.

 

 

If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

 

 

Contact in the Event of Unauthorized Transfer

 

 

If you believe your Access ID and Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (931) 503-1234
Or write:
Legends Bank
310 N. First Street
Clarksville, TN 37040

 

 

 

Bank Liability (Applicable to Consumer Accounts Only)

 

 

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

 

  1. If, through no fault of ours, you do not have enough money in your account to make the transfer or payment.
  2. If the transfer or payment would go over the credit limit on your overdraft line.
  3. If the Service or your personal computer or modem was not working properly and you knew about the breakdown or malfunction when you started the transfer or payment.
  4. Any information provided by you about the payee is incorrect.
  5. There are any delays in the handling of the payment by the payees.
  6. Circumstances beyond our control prevent the proper completion of the transaction, despite reasonable precautions that we have taken. Such circumstances include, but are not limited to, fire, flood, tornado, delay in the U.S. mail or other uncontrollable circumstances such as power failure, the disconnecting or quality of your telephone line.
  7. Funds in your account are subject to legal process or other restrictions prohibiting the transfer.
  8. It can be shown that the merchant or payee received the payment within the normal delivery timeframe and failed to process the payment through no fault of Legends Bank Online Banking or our service providers.
  9. Other applicable laws and/or regulations exempt us from liability.

 

 

Error Resolution Notice

 

In Case of Errors or Questions About Your Electronic Transfers
Telephone us at (931) 503-1234
Write to us at:
Legends Bank
310 N. First Street
Clarksville, TN 37040
Or E-mail us at customerservice@legendsbank.com.

 

Contact Legends Bank as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than sixty (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.
  3. Tell us the dollar amount of the suspected error.

 

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.

 

We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount your 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 ten (10) business days, we may not credit your account.

 

 

For errors involving new accounts, point-of-sale or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question.

 

 

We will tell you the results within three (3) 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.

 

 

 

Documentation

 

 

Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, you can call us at (931) 503-1234.

 

Periodic statements. You will get a monthly account statement from us for your checking accounts. The payee name, payment amount, and transaction date will be reflected for each payment made through the Service.

 

 

 

Preauthorized Payments

 

 

Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments.

 

Here’s how:

 

 

Use your personal computer to access Legends Bank Online Banking and alter both the payment amount and the payment date at any time prior to 4:30 p.m. You may also delete any single payment or recurring payment at any time prior to 4:30 p.m.

 

 

Or:

 

 

Call us at (931) 503-1234 or write us at Legends Bank, 310 N. First Street, Clarksville, TN, 37040, in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we may require you to put your request in writing and send it to us within fourteen (14) days after you call. We will charge $28.00 for each stop payment order you give. If stop is placed using our small business online banking service, you will not be assessed a fee.

 

 

Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, ten (10) days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, of when the amount would fall outside certain limits that you set.

 

 

Liability for Failure to Stop Payment (Applicable to Consumer Accounts Only)

 

 

If you order us to stop one of these regular payments three (3) Business Days or more before the Payment Date, and we do not do so, we will be liable for your losses or damages.

 

 

 

Confidentiality

 

 

Information about your account(s) or the transaction(s) you make may be shared if:

 

  1. It is necessary to verify the existence and condition of your account to a third party such as a credit bureau or merchant.
  2. It is necessary to comply with a governmental agency or court order.
  3. You give us permission, which we may require to be in writing.
  4. It is necessary to collect information for internal use, the use of our service providers, and our servicing agents and contractors concerning our electronic funds transfer service.
  5. It involves a claim by or against us concerning a deposit to or a withdrawal from your account.
  6. We are required or permitted to do so under state or federal laws and/or regulations.
  7. It enables our affiliates to provide you faster and better service as well as special products and promotions.

 

For additional information on our sharing practices, please refer to our Privacy Statement by clicking on any Legends Bank Privacy Statement link or button throughout the Legends Bank Online Banking Web site.

 

 

Termination

 

 

You may terminate your use of Online Banking at any time by calling us at 931-503-1234, by visiting any of our branches or writing to us at Legends Bank, 310 N. First Street, Clarksville, TN, 37040. You must notify us within ten (10) days prior to the date you wish to have your Service terminated. We may require you to put your request in writing. If you have a scheduled payment within this ten (10) day period, you are required to cancel those payments according to the instructions in the section titled “Preauthorized Payments”. You will be responsible for payments with transaction dates during the ten (10) days following our receipt of your written notice of termination if you do not cancel those payments. We will notify you as confirmation of your termination.

 

We may terminate your access to Online Banking, in whole or in part, at any time without notice, if you do not comply with the terms of this Agreement, or the agreements governing your Accounts or if we believe that you have handled your Account(s) in a fraudulent manner. We may also terminate your access to Online Banking for any other reason by giving you twenty (20) days notice or if there has been no activity for six months. Termination will not affect your liability under this Agreement for transactions that we have processed on your behalf.

 

 

 

No Signature Requirements

 

 

When any payment or other online service generates items to be charged to your account, you agree that we may debit the designated account, or the account on which the item is drawn, without requiring your signature on the item and without any notice to you.

 

 

New Services

 

 

Legends Bank may, from time to time, introduce new Legends Bank Online Banking services. We shall update this Online Access Agreement to notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the terms contained in this Online Banking Access Agreement.

 

 

Virus Protection

 

 

Legends Bank is not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their personal computer and removable media using a reliable virus product to detect and remove any viruses. Undetected viruses may corrupt and destroy your programs, files and even your hardware. Additionally, you may unintentionally transmit the virus to other computers.

 

 

Governing Law

 

 

This agreement and the account or service you are accessing via Legends Bank will be governed by and interpreted in accordance with the laws of the State of Tennessee.

 

This agreement may not be assigned to any other party by you. We may assign or delegate in part or whole to any third party.

 

 

 

Amendments

 

 

Terms and conditions of this Agreement may be amended in part or whole at any time within thirty (30) days written notification prior to the change taking effect. If you do not agree with the change(s), you must notify us in writing prior to the effective date to cancel your access. Amendments or changes to term(s) or condition(s) may be made without prior notice if they do not result in higher fees, more restrictive service use or increased liability to you.

 

 

Entire Agreement

 

 

This Agreement supplements any other agreements or disclosures related to your account(s), including the Deposit Account Agreement and Disclosures. If there is a conflict between this Agreement and any others, or any statements made by employees or agents, this agreement shall supersede.

 

 

 

 

Terms and Conditions

 

 

Legends Bank Online Banking Agreement/Disclosure

 

This Agreement governs the use of Legends Bank Online Banking service and is made and entered into by and between Legends Bank ("Bank"), also referred to as "we" and each person who signs Bank's signature card for the Account being accessed or is referenced on the Bank's records as an owner of the Account, or each party whose signature appears on a credit line application ("Customer"), also referred to as "you". Each customer on the account is jointly liable for all transactions initiated through Online Banking, including overdrafts, even if the customer did not participate in the transaction, which resulted in the overdraft.

 

Banking business days are Monday through Friday, excluding Saturday, Sunday and federal holidays. You may access Account information through Online Banking 24 hours a day, seven days a week, except for interruptions due to maintenance or matters beyond the Bank's control.

 

 

Online Banking services and each of your accounts are governed by the applicable Disclosures, Rates and Fee Schedules provided by the Bank in your new account packet, as each may be modified from time to time. Your initial use of Online Banking services indicates your agreement to be bound by this Agreement and acknowledges your receipt and understanding of this document.

 

 

To subscribe to Online Banking, you must maintain at least one account with the Bank. Online Banking will allow you to access more than one Account, to view Account balance(s) and transaction information, transfer funds among designated Accounts, send electronic mail to the Bank and receive electronic mail from the Bank. The Bank reserves the right to deny the Customer the ability to access Online Banking, to limit access or transactions or to revoke a Customer's access to Online Banking without advance notice to the Customer.

 

 

You are responsible for paying any fees associated with Online Banking as outlined within this Agreement as well as any fees that may be assessed by your Internet Service Provider and for any telephone charges or fees incurred by accessing Online Banking.

 

 

The Bank is entitled to act on instructions received through Online Banking under your password and without inquiring into the identity of the person using that password. You should not under any circumstances disclose your password by telephone or to anyone claiming to represent the Bank; Legends Bank employees do not need and should not ask for your password. You are liable for all transactions made or authorized using your password. The Bank has no responsibility in establishing the identity of any person using your password. If, despite the Bank's advice, you give your password to anyone, you do so at your own risk since anyone to whom you give your password or other means of access will have full access to your Account(s) even if you attempt to limit that person's authority. You must contact the Bank immediately in the event that your password has been lost, stolen or otherwise compromised so that it will not be honored and can be disabled. You hereby release the Bank from any liability and agree not to make any claim or bring any action against the Bank for honoring or allowing any actions or transactions where you have authorized the person performing the actions or transactions to use your Account(s) and/or you have given your password to such person, or, in the case of a jointly held account, such person is one of the Account owners. You agree to indemnify the Bank and hold it harmless from and against any and all liability (including but not limited to reasonable attorney fees) arising from such claims or actions.

 

 

Account information displayed through Online Banking is current information. Funds transfers between Account(s) initiated on your computer using Online Banking and received by the Bank by 4:00 P.M. CST Monday through Friday will be effective on the current business day. Funds transfers processed on your computer using Online Banking and received after 4:00 P.M. CST Monday through Friday or all day Saturday, Sunday and banking holidays will be effective the following business day.

 

 

Electronic mail to the Bank may be delayed; therefore, if you need the Bank to receive information concerning your Account immediately, you must contact the Bank in person or by telephone (i.e. stop payments, to report a lost or stolen ATM card or to report unauthorized use of your Account). The Bank shall have a reasonable period of time after receipt to act on requests or information you send by electronic mail.

 

 

The Bank will mail or deliver to you periodic statements for your Bank Accounts as disclosed in your deposit Agreements. The Bank will include any transfers you authorize through Online Banking on your statements. You agree to review your periodic statements in accordance with this Agreement and any other deposit Agreements governing your Account, for accuracy of all data transmitted through Online Banking. You should promptly notify the Bank of any discrepancies, including but not limited to, any errors or inaccuracies related to data transmitted by Online Banking.

 

 

Some of the terms set forth below are governed by the Electronic Funds Transfer Act ("EFT Act") which is only applicable to consumers. Commercial Account holders are not entitled to the rights provided under the EFT Act.

 

 

If you believe unauthorized transactions are being made from your Account, please notify the Bank immediately. Contact Legends Bank at 931-503-1234 or write the Bank at: Legends Bank, 310 N. First Street, Clarksville, TN, 37040.

 

 

If you feel that any statement is wrong, or you wish to have more information about a transfer listed on a statement, contact us in writing or by telephone. We must hear from you within sixty (60) days after we send you the FIRST statement on which the problem or error appeared. When you contact us,

 

 

  1. Tell us your name and Account number.
  2. Describe the error or the transfer you are unsure about and explain as clearly as possible why you believe it is an error or why you need more information.
  3. Tell us the dollar amount of the suspected error.

 

If you notify us by telephone, we may require that you send us your complaint or question in writing within ten (10) business days. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not provisionally credit your Account.

 

We will tell you the results of our investigation within ten (10) business days after notice of the problem and will correct any error promptly. If we need more time, however, we may take up to ninety (90) days to investigate complaints or questions concerning foreign-initiated transfers, or up to forty-five (45) days to investigate all other electronic transfers. If we need this extended time to investigate, we will provisionally credit your Account within ten (10) business days for the amount you think is in error. You will have the use of the money during the time it takes us to complete the investigation. If we decide no error occurred, we will send you a written explanation within three business days after our investigation is completed. You may ask for copies of the documents we used in our investigation.

 

 

You shall be responsible for all transfers you authorize through Online Banking. You shall also be responsible for all transactions initiated by persons to whom you have given your password. You must report to the Bank AT ONCE if the password has been lost or stolen. Telephoning is the best way of minimizing possible losses. Failure to notify the Bank could result in the loss of all money in your Account plus your maximum line of credit, if you have one. If you report to the Bank within two (2) business days, the loss sustained by you will be no more than $50 if your password is used without your permission. If you do not report to the Bank within two (2) business days after learning of the loss or theft of the password, and the Bank can prove that it could have prevented someone from using the password without your permission had it been notified, you could lose as much as $500. Also, if the statement shows electronic transfers you did not make, report them to the Bank at once. If you do not tell the Bank within sixty (60) days after the statement was mailed, you may lose all of the money transferred after the sixty (60) days if the Bank can prove that it could have prevented the loss had you reported it promptly. The Bank may extend the time periods for a good reason, such as a long trip or hospital stay, which might keep you from notifying the Bank.

 

 

The Bank shall be responsible for performing services expressly provided for in this Agreement, and shall not be liable for any error or delay, so long as the Bank acted in accordance with the terms and conditions hereof. The Bank shall not be liable if you do not have sufficient funds in a designated Account to complete the transaction you initiate or if the Account is closed. The Bank shall not be liable if you have not given the Bank complete, correct or current transfer or payment instructions or if you have not followed proper instructions given through Online Banking. The Bank shall not be responsible for any loss, damage, liability, or claim arising, directly or indirectly from any error, delay or failure in performance of any of its obligations hereunder which is caused by fire or other natural disaster, strike, civil unrest, any inoperability of communications facilities or any other circumstances beyond the control of the Bank.

 

 

I certify that I am at least 18 years of age, and that I have read, understand and agree to all terms, conditions and disclosures indicated on the previous screens and that I have truthfully and fully completed all items on this application.

 

 

My initial use of Legends Bank Online Banking product constitutes my acceptance and agreement to be bound by all of the terms and conditions of this Agreement and acknowledges my receipt and understanding of this Agreement.

 

 

The Bank has the right to modify or terminate this Agreement at any time. We will comply with any notice requirements under applicable law for such changes or termination. If we terminate this Agreement, no further Online Banking transfers will be made, including but not limited to any payments or transfers scheduled in advance or any preauthorized recurring payments or transfers. If we modify this Agreement, your continued use of Online Banking services will constitute your acceptance of such changes in each instance.