As used
in this Agreement, the words “we,” “our,” “us”, and “the Homestead” mean St.
Landry Homestead Federal Savings Bank. “I”, “you” and “your” refer to the
account holder authorized by the Homestead to use Online Banking under this
Agreement and anyone else authorized by that account holder(s) to exercise
control over the account holder’s funds through Online Banking. “Account”
or “accounts” means your online accounts. “Electronic funds transfers”
means transfers to and from your accounts using Online Banking, including bill
payments. “Online Banking Services” means the services provided pursuant
to this Agreement, including the Bill Payment Service. “Business days”
means Monday through Friday, excluding holidays.
Online
Banking Agreement
This
Agreement is a contract establishing the rules, which cover your electronic
access to your accounts at St. Landry Homestead Federal Savings Bank through
Online Banking. You may access the Homestead web site www.stlandryhomestead.com.
By using
Online Banking, you accept all terms and conditions of this Agreement.
The terms and conditions of the deposit and loan agreements and disclosures for
each of your Homestead accounts, as well as your other agreements with the
Homestead, continue to apply notwithstanding anything to the contrary in this
Agreement. This Agreement is subject to applicable federal laws and the
laws of the State of Louisiana (except to the extent this Agreement can and
does vary such rules or laws). 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.
The
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 Homestead’s successors and assigns.
Certain obligations of the parties pursuant to this Agreement, that by their
nature would continue beyond the termination, cancellation or expiration of
this Agreement, shall survive termination, cancellation or expiration of this
Agreement.
This
Agreement, together with the Online Disclaimer and Intellectual Property
Notice, constitutes the entire agreement between you and the Homestead with
respect to the subject matter hereof and there are not any agreements relative
hereto which are not fully expressed herein.
Account
Requirement
This
service is available on all checking accounts. All accounts that are
titled in the same manner will automatically have online access with full
access rights. By using the Internet Banking Service, you agree to
maintain one or more accounts with us.
Accessible
Accounts and Services
The
following accounts or services are accessible via Online Banking:
Student
Checking |
Senior
Citizens Checking Account |
Homestead Value Checking Account |
Now Checking Account |
Money
Market Account |
Savings
Account |
Certificate of Deposit |
Christmas Club Account |
Commercial
Checking Account |
IRA
Time Deposit |
Commercial Money Market Account |
Commercial Now Account |
All
Loan Types |
Restricted
Accounts
Some
accounts have transaction limitations or restrictions. These accounts
are:
Money
Market Account |
Deposits
and withdrawals permitted* |
Commercial Money Market Account |
Deposits and withdrawals permitted* |
Savings
Account |
Deposits
and withdrawals permitted* |
Certificate of Deposit |
No transactions allowed – View Only |
IRA
Time Deposit |
No
transactions allowed – View Only |
All Loan Types |
View and Payments |
*
Depositors may not make more than six (6) preauthorized withdrawals,
(including, but not limited to withdrawals made by an automated clearing house,
telephone, internet, or wire) or by check monthly. These limitations do
not apply to withdrawals made through automated teller machines,
over-the-counter, mail or messenger.
Cut-off
Times
·
Retail
Online Banking 6:30 p.m.
C.S.T.
·
Business
Online Banking 6:30 p.m. C.S.T.
·
Bill
Payment 10:00
p.m. C.S.T.
·
Mobile
Capture 4:00 p.m.
C.S.T. (Monday – Friday)
Charges
You agree
to pay the charges as set forth in the current charge schedule for your use of
Online Banking Services. You can choose which checking account you wish
to have your monthly charges debited from, but if you do not choose, then you
agree that all such charges will be deducted from the checking account
designated as the Primary Checking Account. If you close your Primary
Checking Account, you must contact us immediately to designate another account
as your Primary Checking Account. You agree to pay any additional reasonable
charges for services you request not covered by this Agreement. You are
also responsible for telephone and Internet service fees incurred in connection
with your use of Online Banking.
·
View
Account Balances – No Charge
·
View
Account History – No Charge
·
Export
Account History – No Charge
·
Search
for a History Item – No Charge
·
Reconcile
an Account – No Charge
·
Transfer
Funds – No Charge
·
Reorder
Checks Check prices vary depending on check style and quantity ordered
·
eStatements – see account disclosures
·
Mobile
Capture – see Mobile Banking Agreement
·
Stop
Payment (per request) – $25.00
·
Check
Free (Bill Payment) (Unlimited per month) – $4.95
·
PopMoney (peer to peer payments-access from CheckFree) $0.50
per transaction
Internet
Security Information
Fiserv
provides our Online Banking service. Fiserv utilizes a comprehensive
security strategy to protect accounts and transactions conducted through the
Internet. In-depth information on many of the techniques and features
employed by the system can be viewed or printed from our website where the
system’s consumer or commercial features are explained. In addition to our
login security,
Fiserv uses SSL (secure socket layer) encryption
technology.
Your
browser automatically activates this technology when it attempts to connect to
our system and it will support 128-bit key lengths. Whenever SSL is
securing your communications, the browser will typically indicate the “secure
session” by changing the appearance of a small padlock icon at the bottom of
the screen from open to locked. 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. Additionally, our servers
have been certified by a “Certificate Authority” to assure you that you are
actually talking to our servers instead of someone pretending to be us.
During
your use of the Online Banking system, we will pass a “cookie” to your browser
to identify you. “Cookie” means security data given to a browser by a web
server and returned by the browser on subsequent transmissions to identify the
user and encryption information. We do not (and cannot) use our cookies
to obtain new information about you. When you log onto the system, the
cookie enables us to process multiple transactions during the session without
you having to provide your username and password for each individual
transaction.
After
30 minutes or when you log off, the session cookie is no longer accepted,
and the password must be entered. A new cookie is used for each session,
so that no one can use the cookie to access your account.
Recommended
System Requirements
The
recommended system requirements include: Processor Pentium 90, RAM 32 MB, Modem
Speed 28.8 kbps, and Browser (128 bit encryption). The browsers that are
qualified to run Online Banking are Internet Explorer, version 11, MS Edge,
Chrome (current version), Firefox (current version), Safari, version 7.0+, and
Safari for iOS version 7+. The Homestead also requires that each user’s browser
have a minimum configuration. This allows the Homestead to store user
information and to maintain strict security standards. These browser
settings are as follows: Cookies allowed, Java script enabled, and Secure
Socket Layer (SSL) version 2.0 or higher.
Registration
Process
The
service requires you to complete the initial registration process. This
involves following enrollment screens online. The information on the
enrollment screens identifies everything we will need to enable the service.
Access
To use
Online Banking, you must have at least one account, access to an Internet
service provider, and an email address. Once we process your enrollment
and verify your account information, we will provide you with your temporary username
and temporary password. Accounts available for Online Banking are
determined by your ownership on each account. We undertake no obligation
to monitor transactions through Online Banking to determine they are made on
behalf of the account holder.
System
Services
You can
use our Internet Banking Services to check the balance of your accounts, view
account histories, transfer funds between your accounts, order checks, make
stop payment requests, view checks, make loan payments (including principal
payments), view statements and pay bills from your accounts. Other
features are available that are not listed here. Balance shown reflects
the most recent data available online. Transactions made after 6:30 p.m.
C.S.T. will appear the following day.
We reserve the right to block
transactions, which may be deemed illegal or a violation of regulations under
state or federal laws. If such transactions are conducted on your
account, we will terminate your services immediately.
Hours
of Access
Online
Banking is available seven days a week, twenty-four hours a day, although
occasionally some or all Online Banking services may not be available due to
emergency or scheduled system maintenance. We agree to post notice of any
extended periods of non-availability on the Online Banking website.
Your Username
and Password
For
security purposes, you are required to change your username and password upon
your initial login to Online Banking. You determine what username and
password you will use; the identity of your password is not communicated to
us. You agree that we are authorized to act on instructions received
under your password. You accept responsibility for the confidentiality
and security of your password. Upon three unsuccessful attempts to use
your password, your access to Online Banking will be terminated. To
reestablish your authorization to use Online Banking, you must contact us by
telephone, between the hours of 8:30 a.m. – 4:00 p.m. C.S.T., Monday through
Thursday, 8:30 a.m. – 5:30 p.m. C.S.T., Friday, or visit any branch to have
your password reset or to obtain a new temporary password. We recommend
you create a password 8 to 16 characters that utilizes both upper-and
lower-case alpha and numeric characters as well as a special character for
purposes of security. Your password should not be associated with any
commonly known personal identification, such as social security numbers,
address, date of birth, or names of children, and should be memorized rather
than written down.
Online
Disclaimer and Intellectual Property Notice
St.
Landry Homestead Federal Savings Bank endeavors to provide you with the highest
quality online banking available. However, due to the unpredictable
nature of the Internet, occasional inaccessibility to our website should be
expected. Additionally, the Homestead cannot and does not guarantee the
completeness or accuracy of the information provided herein.
Online
bill payment is provided to you for your convenience. The actual payment
of such bills is handled by an independent third party, Fiserv CheckFree, and
the Homestead cannot and will not guarantee or be held responsible for the
completion and accuracy of such transactions.
The
Homestead reminds you that the Internet lacks inherent security for commercial
transactions and therefore St. Landry Homestead Federal Savings Bank cannot and
does not guarantee that downloads from this site will not contain a virus or
other destructive device. Additionally, you provide, request and receive
information from this site with the knowledge that such information can be
intercepted and/or viewed by unknown third parties. Please contact us at
(337) 948-3033 with any questions you may have regarding the above information
and disclaimers.
The
Internet Banking System (IBS) is a trademark of Fiserv Solutions, Inc… (All
other brand and product names are trademarks or registered trademarks of their
respective owners.) Features and services availability are subject to change
without notice.
Security
You
understand the importance of your role in preventing misuse of your accounts
through Online Banking, and you agree to examine the statement for each of your
accounts. You agree to protect the confidentiality of your account and
account number, and your personal identification information. You
understand that personal identification information by itself or together with
information related to your account may allow unauthorized access to your
account. Your username and password are intended to provide security
against unauthorized entry and access to your accounts. It is recommended
that you do not use the password saving function, as this only increases the
risk of an unauthorized person accessing your information or performing
unauthorized transactions. Data transferred via Online Banking is
encrypted in an effort to provide transmission security; Online Banking
utilizes identification technology to verify that the sender and receiver of
Online Banking transmissions can be appropriately identified by each
other. Notwithstanding our efforts to ensure that the Online Banking is
secure, you acknowledge that the Internet is inherently insecure and that all
data transfers, including electronic mail, occur openly on the Internet and can
potentially be monitored and read by others. We cannot and do not warrant
that all data transfers utilizing Online Banking, or email transmitted to and
from us, will not be monitored or read by others. INTERNET E-MAIL IS NOT
A SECURE METHOD OF COMMUNICATION AND WE RECOMMEND YOU DO NOT SEND CONFIDENTIAL
INFORMATION BY INTERNET E-MAIL. YOU CANNOT USE INTERNET E-MAIL TO
INITIATE TRANSACTIONS ON YOUR ACCOUNT(S).
Posting
of Transfers
Online
Banking identifies a transfer based upon the username of the user who made the
electronic transfer.
You agree
to communicate to any other persons with authorized access to your accounts
concerning any transfers or bill payments from your accounts, to avoid
overdrafts.
Overdrafts (Order of
Payments, Transfers and other Withdrawals)
If your
account has insufficient funds to perform all electronic fund transfers you
have requested for a given business day, then:
1.
Electronic
fund transfers involving currency disbursements, like ATM withdrawals, will
have priority,
2.
Electronic
fund transfers initiated through Online Banking, which would result in an
overdraft of your account may, at our discretion, be cancelled and
3.
In
the event that electronic fund transfers initiated through Online Banking,
which would result in an overdraft of your account, are not cancelled,
overdraft charges will be assessed pursuant to the terms of the deposit
agreement for that account.
Limits
on Amounts and Frequency of System Transactions
The
number of transfers from accounts and the amounts that may be transferred are
limited pursuant to the terms of the applicable deposit agreement and
disclosure for those accounts. If a hold has been placed upon deposits
made to an account from which you wish to transfer funds, you cannot transfer
the portion of the funds held until the hold expires.
System
Bill Payment Service
You must
designate the following: the account from which payments are to be made; the
complete name of the payee, the account number, and the payee’s remittance
address, all exactly as shown on the billing statement or invoice; the amount
of the payment and the date you want the payment to be debited from your
account. By using the Online Banking
Bill Payment Service option, you agree that, based upon instructions received
under your password, we will debit your designated account by electronic
transfer, or by debiting and remitting funds on your behalf. We reserve
the right to refuse payment to any payee designated by you. If we do so, we
will notify you promptly. Further terms
and conditions for Bill Pay service are available upon request.
Scheduling
System Payments
If the
payee is to be paid by paper check, you understand and agree that paper checks
are mailed to the payee and the payee may not receive the payment until 5 to 8
business days after the date the payment is debited from your account. You
understand and agree that we are not responsible for the timely delivery of
mail or the improper transmission or handling of payments by a third party,
such as the failure of the Bill Payment payee to properly post a payment to
your account. You understand and agree that a future dated payment is a
one-time payment scheduled to be paid on the date you designated in the Bill Payment
setup. You also understand and agree that recurring payments are payments
scheduled to be paid on a regular basis automatically on a pre-determined
schedule for the same amount as you designated in the Bill Payment setup,
without any further action by you. The monthly Bill Payment charges will be
assessed to your account using the indicated primary checking account number
setup at enrollment.
Cancel
a Bill Payment
You may
cancel or edit any Scheduled Payment (including recurring payments) by
following the directions within the application. There is no charge for
canceling or editing a Scheduled Payment. Once the Service has begun processing
a payment it cannot be cancelled or edited, therefore a stop payment request
must be submitted.
Stop
Payment Requests
Stopping
the payment of a check is different from the cancellation of a bill payment.
Once an Electronic Bill Payment has been debited from your account, you CANNOT
cancel or stop it. You may be able to stop an Online Banking Bill Payment paid
by paper draft by contacting CheckFree using the information provided on
the bill pay home page. You will incur stop payment charges as disclosed in the
current fee schedule for the applicable account.
The
Online Banking stop payment feature only allows stop payment requests for paper
checks you have written (non-electronically) on your accounts (not Online
Banking Bill Pay paper drafts.) Information provided must be accurate and
complete to ensure that the correct check is stopped. Online stop payment
requests that are received after banking hours will be processed at bank
opening on the business day following the date the stop payment was requested.
To be effective, this type of stop payment request must precisely identify the
name of the payee, the check number, the amount and the date of the check.
Periodic
Statements
Transfers
to and from your accounts using Online Banking will appear on your account
statements.
Change
in Terms
We may
change any term of this Agreement at any time. If the change would result in increased
fees for any Online Banking service, increased liability for you, fewer types
of available electronic fund transfers or stricter limitations on the frequency
or dollar amount of transfers, we agree to give you notice at least 30 days
before 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. We will post any required notice of the change in terms on the
Homestead Online Banking website or forward it to you by email or by postal
mail. Your continued use of any or all of the subject Online Banking Services
indicates your acceptance of the change in terms. We reserve the right to
waive, reduce or reverse charges or fees in individual situations. You
acknowledge and agree that changes to fees applicable to specific accounts are
governed by the applicable deposit agreements and disclosures.
In Case of Errors or Questions about Your Electronic
Transfers, including Bill Payments
Contact
us immediately if you think your statement is wrong, or if you need more
information about a transfer listed on your statement. We must hear from
you no later than 60 days after we sent the FIRST statement upon which the
problem or error appeared. When you contact us:
1. Tell
us your name and account number;
2. Describe
the error or 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 and if the suspected error relates
to a bill payment made via the Online Banking Bill Payment Service, tell us the
payee name, the date the payment was sent, payment amount, ID number and the
payee account number. (This information appears on the Bill Payment View Posting
Screen). If you contact us by telephone, we will require that you send us your
complaint or question in the form of paper writing by postal mail, in person,
or by fax within 10 business days. We will communicate the results of our
investigation to you within 10 business days after you contact us and will
correct any error promptly. If we need more time, however, we may take up to 45
days to investigate your complaint or question. If we decide to do this, we
will provisionally 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 in writing within 10
business days, we may not provisionally credit your account. If we decide that
there was no error, we will send you a written explanation within 3 business
days after completion of our investigation. You may ask for copies of the
documents used in our investigation. If we have made a provisional credit, a
corresponding debit will be made from your account.
Our
Liability for Failure to Make a Transfer
If we do
not complete a transfer to or from your account, including a bill payment, on
time or in the correct amount, according to our agreement with you when you
have properly instructed us to do so, we will be liable to you for your losses
caused as a result. However, there are some exceptions. We will NOT be liable
for:
1. If,
through no fault of ours, you do not have enough money in your account to make
a transfer;
2. If
a legal order directs us to prohibit withdrawals from the account;
3. If
you submit a transfer debit from a restricted account that does not allow
online debits;
4. If
your account is closed, or if it has been frozen;
5. If
the transfer would cause your balance to go over the credit limit of an
established line of credit or the credit limit for any credit arrangement set
up to cover overdrafts;
6. If
you, or anyone authorized by you, commits any fraud or violates any law or
regulation;
7. If
any electronic terminal, telecommunication device, or any part of the
electronic fund transfer system is not working properly and you knew about the
problem when you started the transfer;
8. If
you have not provided us with correct payment information for the Bill Payment
Service, including, without limitation, the name, address, your payee-assigned
account number, payment date and payment amount for the payee on a bill
payment;
9. If
you have not properly followed the onscreen instructions for using Online
Banking; or
10. If
circumstances beyond our control (such as fire, flood, interruption in
telephone service or other communication lines) prevent the transfer, despite
reasonable precautions that we have taken.
11. There
may be other exceptions.
Your
Liability for Unauthorized Transfers
CONTACT
US AT ONCE if you believe your password has been lost, stolen, used without
your authorization or otherwise compromised or if someone has transferred or
may transfer money from your accounts without your permission. An immediate
telephone call to us is the best way to reduce any possible losses. You could
lose all money in your accounts (plus your maximum overdraft line of credit, if
any). If you contact us within 2 business days after you learn of the loss,
theft, compromise, or unauthorized use of your password, you can lose no more
than $50 if someone used your password without your permission. If you do NOT
contact us within 2 business days after you learn of the loss, theft,
compromise, or unauthorized use of your password, and we can prove we could
have stopped someone from using your password to access your accounts 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, contact us at once. If
you do not tell us within 60 days after the statement was provided to you, you
may not get back any money you lost through transactions made after the 60 day
time period 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 contacting us, we will extend the time periods.
Disclaimer
of Warranty and Limitation of Liability
We make
no warranty of any kind, express or implied, including any implied warranty of
fitness for a particular purpose, in connection with the Online Banking
services provided to you under this Agreement. We do not and cannot warrant
that Online Banking will operate without errors, or that any or all Online
Banking Services will be available and operational at all times. Except as
specifically provided in this Agreement, or otherwise required by law, you
agree that our officers, directors, employees, agents or contractors 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 or access to Online Banking, 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. Further, in no event shall the
liability of The Homestead and its affiliates exceed the amounts paid by you
for the services provided to you through Online Banking. In the event that
account aggregation services for Online Banking are offered, it is agreed that
the Homestead will not be held liable for any loss, which may result from the
enlistment of another third party.
Disclosure
of Account Information
We will
disclose information to third parties about your account or the transfers you
make:
1. Where
it is necessary for completing transfers or resolving errors involving
transfers,
2. In
order to verify the existence and condition of your account for a third party,
such as a credit bureau or merchant,
3. In
order to comply with a government agency or court order, or
4. If
you give us your prior written permission.
Virus
Protection
The
Homestead is not responsible for any electronic virus or viruses that you may
encounter. We encourage our customers to routinely scan their PCs and diskettes
using a reliable virus detection product to detect and remove any viruses.
Undetected or unrepaired viruses may corrupt and destroy your programs, files
and even your hardware. Additionally, you may unintentionally transmit the
virus to other computers.
Your
Right to Terminate
You may
cancel your Online Banking service at any time by providing us with written
notice by postal mail or fax. Your access to Online Banking will be suspended
within three business days of our receipt of your instructions to cancel the
service. You will remain responsible for all outstanding charges incurred prior
to the date of cancellation.
Our
Right to Terminate
You agree
that we can terminate or limit your access to Online Banking services for any
of the following reasons:
1. Without
prior notice, if you have insufficient funds in any one of your accounts;
Online Banking Service may be reinstated, at our sole discretion, once
sufficient funds are available to cover any fees, pending transfers and debits;
2. Upon
3 business days notice, if you do not contact us to designate a new Primary
Checking Account immediately after you close your Primary Checking Account and
3. For
any other reason in our sole discretion without notice.
Enforcement
In the
event either party brings a legal action to enforce this agreement or collect
amounts owing as a result of any account transaction, the prevailing party
shall be entitled to reasonable attorney’s fees and costs, including fees on
any appeal, subject to any limits under applicable law.
Communications
between the Homestead and You
Unless
this Agreement provides otherwise, you may communicate with us in any one of
the following ways:
1. Email
-You may contact us by email at slh@stlandryhomestead.com (please note that
banking transactions through Online Banking are not made via email);
2. Telephone
– You may contact us by telephone at Opelousas-N. Court 337-948-3033, Opelousas-Harry
Guilbeau 337-678-4111, Port Barre 337-585-2301, and Eunice 337‑457‑8196.
3. Facsimile
– You may contact us by fax at 337-948-6721;
4. Postal
Mail – You may write to us at: St. Landry Homestead Federal Savings Bank, P O
Box 1909, Opelousas, LA 70571‑1909.
5. In
Person – You may visit us in person at any one of our locations: Opelousas: 235
North Court Street & 231 Harry Guilbeau Rd.; Eunice: 840 East Laurel Avenue;
Port Barre: 341 Saizan Avenue.
Alerts
Terms and Conditions
Alerts.
Your enrollment in St Landry Homestead Federal Savings Bank Online Banking
and/or Mobile Banking (the “Service”) includes enrollment to receive transaction
alerts and notifications (“Alerts”). Alerts are electronic notices from us that
contain transactional information about your St Landry Homestead Federal
Savings Bank account(s). Alerts are provided within the following categories:
·
Mandatory Alerts provide you with important
account notifications, such as information about changes to your Online Banking
password, PIN, or login information. You do not have the option to suppress
these Mandatory Alerts.
·
Account Alerts provide you with notification of
important account activities or when certain changes are made to your Service
accounts, such as scheduled payments made, scheduled payments cancelled and
mobile deposits. These Alerts are automatically activated for you. Although you
may suppress these Account Alerts, we strongly recommend that you do not do so
because they provide important information related to your Service accounts.
·
Additional Alerts must be activated by you to be
enabled. These Additional Alerts can be accessed from the Manage Alerts menu
within St Landry Homestead Federal Savings Bank Online Banking and Manage
Alerts menu within St Landry Homestead Federal Savings Bank Mobile Banking.
Account
Alerts and Additional Alerts must be managed and/or added online through the
Service. You cannot maintain all Alerts though your mobile device. We may add
new Alerts from time to time or cancel old Alerts. We usually notify you when
we cancel Alerts but are not obligated to do so. St Landry Homestead Federal
Savings Bank reserves the right to terminate its Alerts service at any time
without prior notice to you.
Methods of Delivery. We may provide Alerts through one
or more channels (“EndPoints”): (a) a mobile device, by text message, (b) a
mobile device, by push notification; (c) an email account, by an e-mail
message; or (d) your St Landry Homestead Federal Savings Bank Online Banking
message in-box, by an e-mail message. You agree to receive Alerts through these
EndPoints, and it is your responsibility to determine that each of the service
providers for the EndPoints described in (a) through (c) above supports the
email, push notification, and text message Alerts provided through the Alerts
service. Please be advised that text or data charges or rates may be imposed by
your EndPoint service provider. Alert frequency varies by account and
preferences. You agree to provide us a valid mobile phone number or email
address so that we may send you Alerts. If your email address or your mobile
device’s number changes, you are responsible for informing us of that change.
Your Alerts will be updated to reflect the changes that you communicate to us
with regard to your primary and secondary email addresses or mobile device
number.
Alerts via Text Message. To stop Alerts via text message,
text "STOP" to 99588 at any time. Alerts sent to your primary email
address will be unaffected by this action. To restore Alerts on your mobile
phone, just visit the Alerts tab in St Landry Homestead Federal Savings Bank
Online Banking and click the box next to your mobile number for the Alerts
you’d like to receive again. For help with SMS text alerts, text “HELP” to
99588. In case of questions please contact customer service at 337-948-3033.
Our participating carriers include (but are not limited to) AT&T,
SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.
Limitations.
St Landry Homestead Federal Savings Bank provides Alerts as a convenience to
you for information purposes only. An Alert does not constitute a bank record
for the deposit or credit account to which it pertains. We strive to provide
Alerts in a timely manner with accurate information. However, you acknowledge
and agree that your receipt of any Alerts may be delayed or prevented by
factor(s) affecting your mobile phone service provider, internet service
provider(s) and other factors outside St Landry Homestead Federal Savings
Bank’s control. We neither guarantee the delivery nor the accuracy of the contents
of each Alert. You agree to not hold St Landry Homestead Federal Savings Bank,
its directors, officers, employees, agents, and service providers liable for
losses or damages, including attorneys’ fees, that may arise, directly or
indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or
the misdirected delivery of an Alert; (b) inaccurate or incomplete content in
an Alert; or (c) your reliance on or use of the information provided in an
Alert for any purpose.
Alert Information. As Alerts delivered via SMS,
email and push notifications are not encrypted, we will never include your
passcode or full account number. You acknowledge and agree that Alerts may not
be encrypted and may include your name and some information about your accounts,
and anyone with access to your Alerts will be able to view the contents of
these messages.
Main Bank: 337-948-3033
Telebanc: 855-948-4400
Lost or Stolen Debit Card:
800-472-3272
Lost or Stolen MasterCard:
800-556-5678