Enterprise Bank of SC
Member FDIC

Important: Please Read Carefully Before Agreeing. Upon agreeing, you are obligated in certain ways, and this document explains your legal responsibilities when using Online Banking.

Online Banking Agreement

I understand and agree that my Access ID and Password will be known only to me and that it is CONFIDENTIAL, and should be safeguarded by me, and that all transactions and other actions conducted using this Access ID and Password will be considered to be authorized by me, and that I will be responsible for all such actions and transactions conducted under the authority of this Access ID and Password, just as though I had conducted the transaction personally in a paper form. My Access ID and Password should not be revealed to any unauthorized users, even Bank staff. I agree to immediately notify Enterprise Bank if I become aware of 1) any loss or theft of my Access ID or Password, 2) any unauthorized use of my Access ID or Password, 3) any error involving any transaction that I initiate using my Access ID or Password.
I understand and agree that this agreement is an addendum to the Deposit Account Terms and Conditions, which I have previously agreed to, and is incorporated into those agreements by reference. This agreement may modify and/or supplement those agreements in certain ways. I agree to use Enterprise Bank’s Online Banking Services only in accordance with this agreement, and for legal purposes, and that Enterprise Bank may amend or terminate this agreement upon notice to me via electronic communications or otherwise. My continued use of this service beyond the notice period will confirm my acceptance of the amendment.

I understand that data, including e-mail, electronic communications, and personal financial data may be accessed by unauthorized users when communicated between me and Enterprise Bank and that appropriate data security protocols are used to address this possibility. I agree to use software provided by third parties that supports a data security protocol compatible with the protocol used by Enterprise Bank. I acknowledge that Enterprise Bank is not responsible for notifying me of any upgrades, fixes or enhancements to any software, or for any compromise of data transmitted across computer networks or telecommunications facilities, including, but not limited to, the Internet.

I agree to defend, indemnify and hold Enterprise Bank harmless from and against any and all claims, losses, liability costs and expenses, (including, but not limited to attorneys’ fees), arising from my violation of this Agreement, state or federal banking laws or regulations, or any third party’s rights, including but not limited to the infringement of any copyright, violation of any proprietary right and invasion of any privacy rights. This obligation will survive the termination of this Agreement.

I understand and agree that the services made available via Online Banking may vary from time to time; that they are subject to the sole discretion of Enterprise Bank; that Enterprise Bank may cancel this Agreement at any time at its sole discretion, for any reason, including but not limited to my breach of this Agreement, or an unauthorized use of my Access ID or Password; that Enterprise Bank will not be liable for any damages, including without limitation, direct or indirect, special, incidental, or consequential damages, losses, or expenses arising in connection with my use of, or inability to use, this service, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Enterprise Bank is advised of the possibility of such damages, losses, or expenses; that no warranty of any kind, implied, express, or statutory is given in conjunction with the providing of this service.

I understand and agree that the information provided is the property of Enterprise Bank or other providers and may be protected by copyright. I agree not to reproduce, retransmit, sell, distribute, publish, or commercially exploit the information in any manner. I also agree not to use the information for any unlawful purpose. I understand and agree that any e-mail or secure messages that I may send to Enterprise Bank will become the property of Enterprise Bank and may be retained by them. I will not use any electronic communications feature of Enterprise Bank for any purpose that is unlawful, abusive, harassing, libelous, defamatory, obscene or threatening.

I understand and agree that Enterprise Bank may charge a fee for certain services provided under the terms of this agreement, after such fees have been properly disclosed to me as required by law and regulation.

CONSENT TO RECEIVE ELECTRONIC DELIVERY OF CONSUMER DISCLOSURES
I understand and agree that Stop Payment Requests placed online under the authorization of my Access ID and Password will be considered to be written orders under South Carolina law, just as though they bore my signature, and, upon acceptance by Enterprise Bank, will be valid for six (6) months unless renewed. I hereby authorize any authorized signer on an account to release a Stop Payment Request that I may have placed via the Online Banking System. NOTE: You agree to receive and retain electronic copies of Stop Payment Requests that have been placed via the Online Banking System. You may receive paper copies of Stop Payment Requests that have been placed via the Online Banking System by visiting one of our banking offices. You may retain information about these electronic Stop Payment Requests in your computer system and/or print them from your computer system. You also may place a Stop Payment Request by visiting one of our banking offices and using our paper based system.

I understand and agree that any disclosures that various banking laws and regulations require Enterprise Bank to provide or make available to me, concerning transactions in the Online Banking System, may be provided to me electronically, via the Internet. NOTE: You agree to receive and retain these electronic copies of disclosures for transactions that you have initiated on the Online Banking System. You may retain these electronic disclosures in your computer system and/or print them from your computer system. If your wish to initiate a paper based transaction, or to receive a paper copy of an Online transaction, you must visit one of our banking offices.

There is no option to routinely receive paper copies of Online Banking transactions. If you wish to withdraw your consent to access and retain electronic disclosures, you must close your Online Banking account and conduct transactions using Enterprise Bank’s paper based transaction system. To do this, please see a Customer Service Representative.

NOTICE:  For security purposes, after 4 months of inactivity, you will not be able to log on.  Your Online Banking account will be deleted and re-enrollment will be necessary. 

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