Internet Banking

iezline Internet Banking
iezpay Internet Bill Pay
iezline & iezpay Terms & Conditions
Online Banking Application
Business Cash Management

iezline Internet Banking

You can perform all of your banking tasks at your convenience from home, on the road or wherever you have a computer. What a safe, fast, convenient way to manage your money!

Not a current online banking user?

Click here to apply online for iezline Internet Banking

or,

Click here for an iezline Internet Banking Enrollment form that you may print and return to the bank.

Through iezline Internet Banking you can:

check your account balances
look at your account statements and history
see which checks and automatic deposits have cleared your account
transfer funds between accounts
make loan payments

Click here for free demo!

Back to Top

iezpay Internet Bill Pay

Save time, money and frustration by paying all your bills the safe, secure, fast and convenient way - online from a site you know you can trust!

Who can you send a payment to?

You can pay your doctor, your utilities, your credit cards or your brother! Make one-time payments, recurring payments or schedule a payment in advance.

How Can I Stay Organized?

Track your payment status and history of your bills using the convenient payment history feature. Also available with our Bill Pay is E-billing. Now you can get your statements through our Bill Pay and see them online.

Is it Easy to get Started?

Log on to Online Banking
Click the "Bill Payment" tab
Follow the screen prompts to set up your payees
Start paying your bills online

iezpay has unlimited transactions for only $4.95 per month!

Want to know more about Bill Pay?
Call us at 507-642-3251 or Contact Us

Back to Top

Farmers State Bank of Madelia, Inc. Agreement, Terms and Conditions Welcome to iezline internet banking at Farmers State Bank of Madelia, Inc.!

General Information
This Agreement and Disclosure discusses how you can use iezline to obtain information about your accounts, transfer funds between your accounts, transfer money to make payment to Farmers State Bank consumer, home and certain other eligible loan payments, and request certain other banking services. By signing an application and enrollment form you agree to the terms and conditions of this agreement. Please read this agreement carefully. You may print a copy of this agreement for your records.

We may, from time to time, introduce new On-line Financial Services. By using those services when they become available, you agree to be bound by the terms contained in this agreement, and its subsequent amendments. The terms and conditions of this agreement are cumulative with and in addition to any terms of the signature cards or account agreements for your deposit accounts(s), the applicable account disclosures, Funds Availability Schedule, the Bank's Electronic Funds Transfer Agreement and Disclosure Statement, the agreements governing the Credit Accounts, and the Application, as all may be amended from time to time.

Meaning of Terms
"You" and "your(s)" refer to each person (including any business) who applies to use the Service, and each person who uses the Service with the permission of an applicant. "Business" means any corporation, partnership, limited liability company, sole proprietorship or any other type of entity maintaining a deposit account for commercial purposes.

"We", "us", "our(s)", "institution" or "bank" refer to the Farmers State Bank of Madelia

"Business Day" means any day on which the bank is open to the public for carrying on substantially all business functions, generally, Monday through Friday, except holidays.

Security
Further you agree:

Not to give out your identifying information such as your password to any other person. The bank may rely on your Access ID to identify you when providing banking services to you.
Never leave your account information displayed in an area accessible to others.
Always exit the system by clicking exit after using iezline.
You can only access iezline with certain browsers that have a high security standard.
Your account numbers are not displayed in full – only the last three digits can be viewed.
You must have a valid user ID and Password issued by bank to logon.
To notify Farmers State Bank of Madelia at (507)642-3251 or write to us at PO Box 188, Madelia, MN 56062, immediately if you suspect that your Access ID or password has become known to any unauthorized person or someone has transferred money without your permission.
To receive E-mail from and transmit E-mail to the bank.

Requirements
In order to use iezline, you must provide your own personal computer. You must also provide the type of telephone service and internet access required by iezline. You are and will remain solely responsible for the purchase, hook up, installation, loading, operation and maintenance of the Hardware, Software, Telephone service and Internet service to your personal computer, and all related costs. You are responsible for scanning your hardware for computer viruses and other related problems before you use them.

Bank is not responsible for any losses, errors, injuries, expenses, claims, attorney's fees, interest or other damages, whether direct, indirect, special, punitive, incidental or consequential, caused by internet banking or in any way arising out of the installation, use or maintenance of your personal computer hardware or software, including any software provided by institution or one if its suppliers. In addition, institution disclaims any responsibility for any electronic virus(es) customer may encounter after installation of such software of use on iezline internet banking. Without limiting the foregoing, neither institution nor its suppliers shall be liable for any:

Failure to perform or any losses arising out of an event or condition beyond their reasonable control, including but not limited to communications breakdown or interruption, acts of God, acts of war or terrorism or labor disputes;
The loss, confidentiality or security of any data while in transit via the internet, communication lines, postal system or ACH network. Institution and its suppliers provide internet banking from their own sites and they make no representation or warranty that any informational material or functions included in internet banking appropriate for use by you in your jurisdiction. If you choose to use iezline internet banking, you do so on your own initiative and are solely responsible for compliance with applicable local laws and regulations. Neither institution or its suppliers warrant accuracy or completeness of any information provided as part of internet banking or contained in third party sites linked to or from institution's web site.

Restrictions
You may not appropriate any information or material that violates any copyright, trademark or other proprietary or intellectual property rights of any person or entity while using iezline internet banking. You may not gain access to any internet banking and/or on-line server, network or data not specifically permitted to you by bank or its suppliers, and you must not include any obscene, libelous or scandalous content in any communications with institution or its suppliers.

Personal Identification Number (PIN)
Your PIN will give you access to accounts via iezline internet banking. Bank is entitled to act on any instructions it receives using your PIN. You are responsible for keeping your PIN and account data confidential. When you give someone your PIN, you are authorizing that person to use iezline internet banking. You are responsible for all transactions performed using your PIN, even if you did not intend or authorize them. Fraudulence initiated using your PIN will be charged against your account(s).

Accessibility
You may access the accounts through iezline 24 hours a day, seven days a week, except however, when bank may perform regular maintenance on our systems or equipment or due to other reasons beyond our control.

You may use iezline to perform any of the following services designated by you in the application or subsequently added by you as provided below to:

transfer funds between any deposit accounts;
make payments via transfer from any deposit account to any loan account;
receive and download balance and transaction information;
receive E-mail and transmit E-mail to the Bank.

Account Transfers and Limitations
Account transfers may be made from one deposit account to another, and from one deposit account to a loan account, these types of transactions are referred to in this agreement as "bank transfers". You authorize us to debit the appropriate deposit account in the amount of any bank transfer. You agree that we may treat any such bank transfer from a deposit account the same as a duly executed written withdrawal, transfer or check and that we may treat any such bank transfer to a account the same as a deposit to a deposit account or payment to a loan account, all in accordance with the terms of this agreement and terms provided in your deposit account agreement(s) with us.

There may be certain limits on making bank transfers as set forth by federal law or by the terms of your deposit agreement with us. Transfers made to third parties by preauthorized, automatic, telephone, or computer transfer are limited to three per statement cycle for Money Market Savings and two per month for Passbook/Thrift Savings Accounts, with no transfers by check, draft, debit card, or similar order to third parties.

You agree that we may, without notice or other obligation to you, refuse to make any bank transfer for security reasons or as otherwise expressly provided in this agreement or your deposit agreement with us.

Time of bank transfers; if you initiate a bank transfer before 1:00 p.m. central time Monday through Friday which are business days that we are open, the bank transfer will be posted on the same business day. If you initiate a bank transfer other than before 1:00 p.m. central time Monday through Friday or on a day we are not open, the bank transfer will be posted on the next business day that we are open. Transferred funds will be available for transfer and withdrawal as provided in our Funds Availability Policy.

Account Information
All account information available on iezline is current as of the end of the preceding business day. At the bank's discretion we may update account information more frequently during the business day. The information provided to you is subject to change. You will still receive your usual periodic statement of account.

Electronic Mail (E-Mail)
Sending E-mail is a good way to communicate with the bank. However, your E-mail is actually sent via your own software and, as a result, is not secure. Because of this, you should not include confidential information in any E-mail to us. Your E-mail transmitted by you may not be delivered to us immediately. If you need to contact us immediately to stop payment, to report an unauthorized access to an account, or for any reason, you should call (507) 642-3251 or write to us at PO Box 188, Madelia, MN 56062 . No bank transfers are permitted via E-mail. All such bank transfers and transactions must be initiated using the appropriate functions within the internet banking site. Bank will not be liable for any errors, omissions, claims or problems of any kind involving your E-mail.

Consumer Liability
Notify us at once if you believe your User ID and/or password has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in your account (plus your maximum overdraft line of credit). If you notify us within two business days after learning of the loss or theft of your User ID and/or password, you can lose no more than of $50 if someone used your User ID and/or password without your permission.

If you fail to notify us within two business days after learning of the loss of your User ID and/or password, and we can prove we could have stopped somone from using your User ID and/or 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, including those made with your User ID and/or password, tell us at once. If you do not tell us within 60 days after your statement was mailed 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 your delay in reporting unauthorized transfers was due to extenuating circumstances, we may exted the time specified above.

Right to Receive Documentation

Preauthorized credits - If you have arranged to have direct deposits made to your account, the person/company making the deposit will tell you every time they send us the money or you can call us at 507-642-3251 to find out whether or not the deposit has been made.

Periodic statements - You will get a monthly account statement unless there are no transfer in a particular month. In any case you will get the statement at least quartlerly.

Unauthorized Transfers, Errors or Questions
If you think your statement is wrong or if you need more information about a transfer listed on your statement, notify us as soon as you can. We must hear from you no later than 60 days after you receive the first statement on which the problem or error appeared.

Telephone us at:
(507) 642-3251
Write us at:
PO Box 188
Madelia, MN 56062

Tell us your name and the account number;
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. If you tell us orally, we may require that you send us your complaint or questions in writing within 10 days.

We will tell you the results of our investigation within 10 business days after we hear from you and will correct any errors promptly. If we need more time, however, we may take up to 45 days to investigate your account. 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 the 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.

If we decide that there was no error, we will send you a written explanation within 3 business days after we complete our investigation. You may ask for copies of the documents we used in our investigation. If a notice of error involves an electronic fund transfer that occurred within the first thirty (30) days after receiving the first deposit to the account, the applicable time periods for action shall be twenty (20) business days. If a notice of error involves an electronic fund transfer that was begun in a foreign country, or occurred within thirty (30) days after the first deposit to the account was made, the time period for action will be ninety (90) calendar days.

Failed Transfers/Stop Payments
If you have told us in advance to make regular payments out of your accounts, you can stop any of these payments. Call us or write us at: 507-642-3251, Farmers State Bank, PO Box 188, Madelia, MN 56062, in time for us to receive your request 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 get it to us within 14 days after you call. There will be a stop payment fee for each stop payment order you give.

If you order us to stop one of these payments 3 business days or more before the transfer is scheduled and we do not do so, we will be liable for your losses or damages.

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:

If through no fault of ours, you do not have enough money in your account to make the transfer;
If the transfer would go over the credit limit on your overdraft line;
If circumstances beyond our control (such as fire, flood, or power outage) prevent the transfer despite reasonable precautions that have been taken;
If there are other exceptions stated in this disclosure and in our agreement with you.

Disclosure of Information
We will not disclose any information about your account except:

Where it is necessary for completing transfers;
In order to verify the existence and condition of your account for a third party, such as a merchant or credit bureau;
In order to comply with a subpoena, search warrant to the order of a government agency or court;
In connection with examination by state and federal banking authorities;
If you give us your written permission to do so.

Fees
iezline internet banking service is currently provided at no fee to users. Bank reserves the right to change at its discretion.

Changes in Terms
It may prove necessary from time to time to change the terms and conditions that apply to your account, including the terms on which electronic fund transfers may be used. Unless immediate change is necessary in order to insure the security of our electronic fund transfer system or your account we will give you written notice at least 21 days before the effective date of any change that we make if that change would result in increased charges or liabilities for you, if it would decrease the number of services available to you or if it would place stricter limitation on the frequency or amount of transfers that you are permitted to make.

Termination
If you close all your accounts at bank, you will no longer be able to use the iezline internet banking service. Particular electronic fund transfers services may be terminated even though your accounts remain open. You may terminate by calling or writing us at the telephone number or address specified in the paragraph entitled "Unauthorized Transfers, Errors or Questions".

Indemnification
Customer shall indemnify, defend and hold harmless bank and its officers, employees, directors, suppliers and agents, in their individual capacities or otherwise, from and against and losses arising out of:

Customers negligence;
Customers failure to comply with applicable law;
Customers failure to comply with the terms of this agreement.

Assignment
Institution may assign its rights and/or delegate all or a portion of its duties under this agreement to a third party. You may not assign all or any part of your rights or obligations under this agreement without our prior written consent, which may be withheld at our discretion.

Agreement to These Terms and Conditions
Your registration for iezline internet banking confirms your agreement to be bound by all the terms and conditions of this agreement and your acknowledgement that you received and understand the terms of this agreement.

Back to Top