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You Are Here: Online Personal Banking Enrollment

Online Banking Agreement

CLICK THE "AGREE" LINK AT THE BOTTOM OF THE PAGE IN ORDER TO PROCEED TO THE APPLICATION

PLEASE READ THIS AGREEMENT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.

1. Introduction. This Agreement sets forth the terms and conditions of the Range Online Banking Service offered by Range Bank ("Bank"). In this agreement, the term "you" refers to each owner and authorized signer on the accounts that are accessed with Range Online . Each time you access an account through Range Online , you confirm your agreement to these terms. Please see Section 18 regarding electronic communications involving this Agreement.

2. Services. You can use this Service to access your eligible personal and small business accounts from your computer at home, work or anywhere where you have Internet access. With Range Online you can:
   • View account balances and review transaction history,
   • Transfer money between eligible accounts,
   • Make payments on eligible loan accounts or lines of credit,
   • Arrange for automatic monthly transfers from one Bank account to another,
   • Make payments from eligible accounts through our Bill Pay service, and Communicate directly with our Client Service representatives via e-mail
3. New Services. We may introduce new Services or enhance existing Services from time to time. Unless we state otherwise, they will be subject to the terms of this Agreement. By using new or enhanced Services when they become available, you agree to be bound by the terms and conditions relating to the services.
   
   
4. Eligible Accounts/Joint Accounts. You can use the Range Online Service to access and obtain information about your checking, NOW, money market, savings, IRAs, and certificate of deposit accounts, as well as your Bank loans or lines of credit. We may allow other types of accounts to be connected to the Service from time to time. Connected accounts are referred to as "Eligible Accounts". We reserve the right to determine which accounts can be connected to the Service. We may refuse to allow certain accounts, such as accounts with special signature requirements, to become eligible.
   
   We may act on the oral, written or electronic instruction of any one authorized signer for Service transactions, even if your account agreement requires more than one signature for the withdrawal of funds (e.g., by check). For example, if John and Mary jointly apply for the Service and have individual accounts and a joint account (requiring both of their signatures for withdrawals), John can initiate transfers or bill payments from either his individual account or the joint account. Similarly, Mary can initiate transfers or bill payments from either her individual account or the joint account. John has no access to Mary's individual account, however, and Mary has no access to John's individual account.
   
   If you are a business, we may connect all of your accounts to Range Online once we verify your authority to obtain the Service. If you are an individual, we may automatically connect your personal and sole proprietorship accounts. As with personal accounts, we may act on the Service instructions of any one authorized signer. If you do not wish to have online access for all of your accounts, or you do not wish to connect both your personal and sole proprietorship accounts to the Service, please list the accounts you wish to access on the application or please call Online Banking Client Service at 906-475-8076 between the hours of 8:30am and 4:30pm (Eastern Time) Monday through Friday at the time of your enrollment.
   
   
5. Accessing the Service. You must use an Access ID and PIN to access the Range Online Service. When you enroll, we will send you a temporary Access ID number and a temporary PIN that will give you initial access to the Service. The Range Online Password must be changed the first time you log on to Range Online . Each individual who has access to Range Online , including each individual named on joint accounts, must have there own Range Online ID and PIN. Your PIN must contain a minimum of 6 characters (maximum 12), must contain at least one number and one letter, and will be case sensitive (e.g., "E" and "e" are separate characters). You should memorize your PIN and change it periodically. We may act on any Service instruction that is accompanied by your Access ID and PIN. You agree not to disclose your Access ID or PIN to anyone. You are responsible for keeping your Access ID and PIN confidential. Never put them on or near your computer. If you forget your Access ID or PIN, contact us to have a new one issued to you.
   
   
6. Obtaining Account Balance and Transaction History. You can obtain balance and transaction history information for your eligible Bank accounts. Balance and transaction history reflects activity through the close of the previous business day and may include funds that are not finally collected or subject to immediate withdrawal.
   
   
7. Hours of Accessibility. You can access your accounts through Range Online seven days a week, 24 hours a day. However, at certain times, some or all of the Range Online Services may not be available due to system maintenance. A transfer initiated through Range Online by 5:00 p.m. (Eastern Time) on a business day will be posted to your account the same day. All transfers completed after 2:00 p.m. (Eastern Time) on a business day or any time on a Saturday, Sunday or holiday may be posted on the next business day. Online Banking support hours are 8:30 a.m. to 4:30 p.m. (Eastern Time) each business day. Every day is a business day except Saturdays, Sundays and holidays.
   
   
8. Electronic Mail. You can communicate with us electronically by clicking on the e-mail tab in Range Online . This will put you in touch with our Client Services Center. Please do not include any sensitive information about yourself or your accounts in an e-mail, as we cannot guarantee its privacy over the Internet. Electronic mail can be subject to delays. As such, you should not rely on it if you need to communicate with us immediately. We will have a reasonable time to act upon any e-mail request, and reserve the right to reject any instruction or request that we receive by e-mail. We generally do not accept e-mail instructions to initiate transactions (stop payments, transfers, etc.) on accounts. For banking transactions, please use the appropriate functions within the Range Online Service or call 906-475-8076. You agree that we may read and record any e-mail that you sent to us or our employees through Range Online .
   
   
9. Bill Payment Service. The Bill Pay Service allows you to schedule bill payments through Range Online . Bill payments cannot be made from savings accounts, IRAs, lines of credit, or certificates of deposit, and, because of the limitations discussed in Section 12, bill payments may not be made from money market accounts.
   
   Eligible Payees. You may only designate payees with addresses in the United States. We reserve the right to determine who may be a payee. You agree not to use the Bill Pay Service to purchase securities, to make federal or state tax payments, or to comply with any court order.
   
   Initiating Payments. To initiate a payment, you must identify the person or business you are paying, the payment date, the amount to be paid, and (if you have one) your account number with the payee. We may ask for additional information when you establish a payee for the first time on our system. You may pay an unlimited number of payees using the First Billpay Service.
   
   Erroneous Payment Requests. You assume sole responsibility for providing us with complete and accurate payment information. We are not responsible for confirming such information, or for identifying or rejecting errors or duplicate payment instructions. If you give us a payment instruction that is incorrect in any way, you agree that we may charge your account for the payment, whether or not the error could have been detected by us. We are not obligated to detect errors in your transfer or payment instructions.
   
   Processing Payments. The payment will either be processed with a check or through an Automated Clearing House (ACH or electronic). If the payment is processed using a check the money will be withdrawn from your account when the check clears. If the payment is processed electronically the money will be withdrawn from your account on the day you instruct us to process the payment (the "Payment Initiation Date"), and then will process through the Automated Clearing House (electronic) on the following business day. We do not have to make a payment if you do not have sufficient funds or credit available for the payment on the Payment Date. Although you can enter a payment request 24 hours a day, 7 days a week, your designated Payment Date must be on a business day. If you direct us to make a payment on a day other than a business day, we will initiate the payment on the following business day.
   
   Scheduling Payments. You should schedule payments sufficiently in advance to ensure that they are received and credited by your payee by the payment due date. WE RECOMMEND THAT YOU SCHEDULE THE PAYMENT INITIATION DATE AT LEAST EIGHT (8) BUSINESS DAYS PRIOR TO THE DATE THE PAYMENT IS DUE AT YOUR PAYEE WITHOUT REGARD TO ANY GRACE PERIOD. Although we may be able to pay certain payees electronically within two business days, it could take longer for payments sent by mail. It is your responsibility to request that payments be made in such a manner that they will be paid on time. You are solely responsible for any damages, such as late fees and finance charges, that may be imposed as a result of your failure to identify the correct Payment Initiation Date and transmit your payment instruction to us in a timely manner. To ensure that critical or time-sensitive payments are received on time, you should consider establishing payment dates (especially for payees that will receive payment by mail during peak holiday periods) well in advance of the payment due date. We will not be responsible for any charges imposed or any other action taken by a payee resulting from a payment that you have not scheduled properly. In addition, we will not be liable if any third party through which any bill payment is made (e.g., the postal system) fails to properly transmit the payment to the intended payee.
   
   Changing or Canceling Payments. You may cancel or change any scheduled payment by giving us an instruction through Range Online by no later than 12:00 p.m. (Eastern Time) on the scheduled Payment Date. You can also change or cancel a scheduled payment by calling us at 906-475-8076 at least two business days prior to the scheduled Payment Date.
   
   Rejecting Payment Requests. We may reject any payment request with or without cause or prior notice. If we do, we will notify you promptly of the rejection orally, electronically or in writing.
   
   Joint Accounts. Any account owner or authorized signer may (a) authorize transfers and payments to or from joint accounts, (b) cancel payments, and (c) remove any payee from the list.
   
   
10. Service Charges.
    
    Range Online Service includes:

    Service	Personal Accounts	Business Accounts
    Online Banking Access	No monthly Fee	See customer service representative for a quote
    Bill Pay Services	No monthly Fee	No monthly Fee
    Monthly Fee	No monthly Fee	$5.95 per month - 3 free payments
    Transaction Fee	No monthly Fee	$.40 per payment

    
    
    
11. Statements. You will receive a monthly account statement from us for your checking accounts. You will get a monthly account statement from us for your saving accounts, unless there is no activity in a particular month. In any case, you will get a statement at least quarterly (except for certificates of deposit).
    
    
12. Limitations. You cannot transfer funds from an installment loan or line of credit, or from or into a certificate of deposit or IRA. Funds transfers into loans or lines of credit will be credited as payments in the manner set forth in your promissory note or loan agreement. Payments and transfers from savings and money market accounts are limited by law and your deposit account agreement with us. For these types of accounts, you may only make up to six withdrawals and/or transfers each month by check, preauthorized or automatic transfer, draft, telephone, or online access. Only three of these six transactions may be by check, draft, debit card, or similar order to third parties. Funds from deposited items may also be subject to an uncollected fund holds, as disclosed in your deposit agreement.
    
    
13. Disclosure of Account Information. Please see our Privacy Policy web page for information about how we gather, use and secure nonpublic personal information about you. We may release information about your accounts and the transactions you perform to our affiliates, to companies that perform marketing services on our behalf, to other financial institutions with whom we have joint marketing agreements, and as permitted by law. We may disclose information, for example: (a) where it is necessary or helpful for completing a transfer; (b) to report the existence, history and condition of your account to credit reporting agencies; (c) to comply with government agency and court orders; (d) if you give us your consent; and (e) if you are a business, in response to trade inquiries.
    
    
14. In Case of Errors or Questions About Your Electronic Transfers.
    Contact us online, by calling Online Banking support at 906-475-8076 (support hours are 8:30 a.m. to 4:30 p.m. each business day),or by writing to us at Online Banking, 350 Iron St. Negaunee, MI 49866 as soon as you can if you think your statement is wrong or if you need more information about a transaction listed on the statement or transaction record. We must hear from you no later than 60 days after we sent the FIRST paper or online statement on which the problem or error appeared. If you notify us orally, we may require that you send us your complaint or question in writing within 10 business days.
    
    When you tell us about the problem, please:
    
    • Tell us your name and account number.
    • Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is in error or why you need additional information.
    • Tell us the dollar amount of the suspected error.
    • For a bill payment, tell us the checking account number used to pay the bill, payee name, date the payment was sent, payment amount, and payee account number for the payment in question.
    
    We will determine whether an error occurred within 10 business days after we hear from you, and we will correct any error promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days 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. For errors involving new accounts, we may take up to 90 days to investigate your complaint or question, and up to 20 business days to credit your account for the amount you think is in error. We will tell you the results of our investigation within three business days after we complete 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.
    
    
15. Our Liability. If we do not complete a transfer or initiate a payment from your account on the payment date 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 example, if: (a) we process your payment in a timely manner, but the payee rejects your payment or fails to process it in a timely manner; (b) your account does not contain sufficient available funds to make the transfer or payment, or the transfer or payment would exceed the credit limit on any overdraft line you have with us; (c) the money in your account is subject to an uncollected funds hold, legal process or any other encumbrance or claim restricting the transfer or payment; (d) the payee or transaction information you supply to us is incorrect, incomplete or untimely; (e) the system was not working properly and you knew about the problem when you requested the transfer or payment; (f) circumstances beyond our control (such as fire, flood, viruses, computer breakdowns or telecommunication problems) or rolling blackouts prevent the transaction, despite reasonable precautions that we have taken; (g) you do not authorize a bill payment early enough for your payment to be made and properly credited by the payee by the time it is due; (h) a transfer or payment could not be completed due to the system's unavailability; or (i) you fail to follow our on-screen instructions properly. There may be other exceptions stated in our agreements with you.
16. Your Liability. Tell us AT ONCE if you believe your password has been lost or stolen. Call Online Banking at 906-475-8076 or write to us at Online Banking, 350 Iron St. Negaunee, MI 49866. 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 tell us within two business days, you can lose no more than $50 if someone used your password without your permission. If you do not tell us within two business days after you learn of the loss or theft of your Access ID or password, and we can prove that we could have stopped someone from using your Access ID or password without your permission if you had told us, you could lose as much as $500.
    
    
Also, if your statement shows transfers, withdrawals or payments that you did not make or authorize, tell us at once. If you do not tell us within 60 days after the statement was sent to you, you may not get back any money you lost after the 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 hospital stay) kept you from telling us, we will extend the time periods.


17. Arbitration and Other Terms. This Agreement supplements the terms of your account agreement with us. Please see that agreement for other terms relating to the Range Online (for example, waivers, governing law, and overdrafts). You agree that disputes arising in connection with the Range Online Service will be subject to the arbitration provisions set forth in your account agreement. This Agreement, the Web Site Agreement and your account agreement contain all of the terms of our agreement with you with respect to the Range Online Service. The terms of this Agreement will supersede any conflicting terms in your account agreement or the Web Site Agreement with respect to the Range Online Service.
    
    
18. Electronic Communications. You are responsible for the selection, installation, maintenance, and operation of your computer and software. We assume no responsibility for any error or malfunction by your computer or software, or for any computer virus or similar problems you may experience with the internet or your internet service provider. You must use equipment and software that are compatible with our system, which may change from time to time. Note: Some browser software may store user names and security codes to facilitate the future use of a web site. For security reasons, you agree to disable this feature in your browser. Check your browser's Help screen for more information on this feature.
    
    You agree that this Agreement and any notice or other type of communication that is provided to you in connection with the Service, including amendments, statements, and account information, may be sent to you electronically by posting the communication at our web site or by sending it to any of you by e-mail. You may obtain a free copy of this Agreement, any amendments to it, and other communications about the Service in paper form by calling us at 906-475-8076 or writing to Online Banking, 350 Iron St., Negaunee, MI 49866. You can withdraw your consent to such electronic communications by writing to us at the same address, and advising us that you wish to have future notices sent to you in paper form. We may elect to terminate this Agreement and the Service if you choose to receive notices in paper form.
    
    You agree to provide us with your current e-mail address for notices. If your e-mail address changes, you must send change the e-mail address on Range Online or by writing to us or sending us an e-mail, using secure messaging. You will need the following or equivalent hardware and software in order to access our web site, to receive notices from us, and to retain an electronic record of this Agreement and future notices:
    • Windows 95/98/00/ME/XP/NT or Macintosh System 7.5.5 or higher
    • 32 MB RAM (recommended)
    • 800 X 600 or higher video resolution (recommended)
    • Internet Access (28.8/56 kbps modem, cable modem, DSL, etc.)
    • A browser that supports 128-bit encryption (e.g. Netscape Communicator 4.7+, Netscape Navigator 6.1+, Microsoft Internet
    • Explorer 5.5+)
    We do not provide ISP services; you must have your own internet service provider.
    
    
19. Amendments. We may amend (add to, delete from, or change) the terms of this Agreement at any time by sending a notice to any of you at the address or e-mail address shown in our records, by posting the notice or an amended agreement on our web site, or delivering it to you. You may choose not to accept the change by closing your account(s) or terminating this agreement and your use of the Service.
    
    
20. Business and other Non-personal Accounts. The Bank's obligations set forth in Sections 14 and 15, and the limitations on your liability set forth in Section 16, do not apply in the case of business or other non-personal accounts. Under no circumstances will we be liable for any special or consequential damages involving such accounts. The owners of non-personal accounts must notify us immediately if they discover any unauthorized transactions or errors, and must send us a written notice of the problem within a reasonable time (not to exceed 14 days from the date of discovery or their receipt of the first statement or notice reflecting the problem, whichever occurs first). We may process any on-line instruction we believe is given by any of you if the instruction is accompanied by your User ID and password, and you will be obligated for the transfer or payment, even if the instruction is not transmitted or authorized by you.
    
    
21. Termination. We may terminate or suspend your access to one or more of the Services at any time, with or without cause. We may automatically terminate your use of Range Online if you do not use the Service for an extended period (120 days). If you decide to cancel the Range Online Service, please call Online Banking at 906-475-8076 or write to us at Online Banking, 350 Iron St., Negaunee, MI 49866. Please let us know at that time if you have any scheduled future or recurring bill payments. We will delete all outstanding Range Online payment orders once we have been notified that you wish to terminate the Service.
    
    

Your Authorization:
By completing the form below with your name and e-mail address, you are indicating to Range Bank that you agree to the terms of this Agreement and wish to enroll in Personal Online Banking. After submitting your information, you will be re-directed to a secure Enrollment Page where you can enter your account information to complete the process.

* Required

Title DR MISS MR MRS MS

First Name *

Last Name *

Email Address *

Enter Word Verification in box below *

If you wish, you can Cancel the enrollment process.