Fees and Charges - You agree to pay the fees and charges for your use of Piscataqua e-bank Bill Payment Services as set forth in the Bill Payment Agreement. You agree that all such fees and charges will be deducted from the NOW checking account designated as the "Primary Now Checking Account" on your application. If you close your Primary NOW Checking Account, you must contact us immediately to designate another account as your Primary NOW Checking Account. You agree to pay any additional reasonable charges for services you request that are not covered by this Agreement. You are also responsible for telephone and Internet service fees you incur in connection with your use of Piscataqua e-bank.

Posting of Transfers - Transfers initiated through Piscataqua e-bank before 7:30 p.m. (Eastern Time) on a business day are posted to your account the same day. Transfers completed after 7: 30 p.m. (Eastern Time) on a business day; or on a Saturday, Sunday or banking holiday may be posted on the next business day.

Overdrafts (Posting Priority of Payments, Transfers, and other Withdrawals) - If your account has insufficient funds to perform electronic fund transfers you have requested for a given business day, then:

1. Electronic funds transfers involving currency disbursements, like ATM withdrawals, will have priority.

2. Electronic fund transfers initiated through Piscataqua e-bank, which would result in an overdraft of your account, may, at our discretion, be cancelled or reversed. 

3. In the event the electronic fund transfers initiated through Piscataqua e-bank, which would result in an overdraft of your account, are not cancelled, overdraft charges may be assessed pursuant to the terms of the deposit agreement for that account.  

Limits on Amounts and Frequency of Piscataqua e-bank Transactions - The number of transfers from PSB accounts and the amounts which 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 on 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. Transfers from a savings or money market deposit account requested via computer count toward the 6 transfers per cycle limit required by Federal Regulation D.

Periodic Statements - You will not receive a separate Piscataqua e-bank statement. Transfers to and from your accounts using Piscataqua e-bank will appear on the respective periodic paper/electronic statements for your accounts.

Change in Terms - We may change any term of this Agreement at any time. If the change would result in increased fees for any Piscataqua e-bank 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 Piscataqua e-bank website or forward it to you by e-mail or by postal mail. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic fund transfer system, we will notify you of the change in terms within 30 days after the change becomes effective. Your continued use of any or all of the subject Piscataqua e-bank 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.

Disclaimer of Warranty and Limitation of Liability - We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the Piscataqua e-bank services provided to you under this Agreement. We do not and cannot warrant that Piscataqua e-bank will operate without errors, or that any or all Piscataqua e-bank 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, Trustees, 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 Piscataqua e-bank, 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 Piscataqua Savings Bank exceed the amounts paid by you for the services provided to you through Piscataqua e-bank.  

We recommend that you do not “save” your password at the sign-in screen for future sessions. This could jeopardize the security of your account access. If you choose to "save" your password, you agree to accept any security risk associated with this. 

Consumer Liability for Unauthorized Transactions – Tell us immediately if you believe your Password has been lost or stolen. If you tell us within two (2) business days, you can lose no more than FIFTY DOLLARS ($50.00) if someone used your 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 Username and Password, and we can prove that we could have stopped someone from using your Username and Password without your permission if you had told us, you could lose as much as FIVE HUNDRED DOLLARS ($500.00). Also, if your statement shows transactions 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 if we can prove that we could have stopped someone from taking the money if you had told us in time. We are liable only for losses in excess of the limits stated. Please see our Regulation E, Electronic Funds Transfer Disclosure for complete information.

Your Right to Terminate - You may cancel your Piscataqua e-bank service at any time by providing us with written notice by postal mail or fax. Your access to Piscataqua e-bank will be suspended within 3 business days of our receipt of your instructions to cancel the service. You will remain responsible for all outstanding fees and charges incurred prior to the date of cancellation.  We recommend that you cancel all bill payments that you have scheduled to avoid any duplication of future payments.

Our Right to Terminate - You agree that we can terminate or limit your access to Piscataqua e-bank services for any of the following reasons:

1. Without prior notice, if you have insufficient funds in any one of your PSB accounts. Piscataqua e-bank 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 NOW Checking Account immediately after you close your Primary NOW Checking Account.

3. Upon reasonable notice, for any other reason at our sole discretion.  

Communications between Piscataqua Savings Bank and You Unless this Agreement provides otherwise, you can communicate with us in any one of the following ways:

By clicking the "Yes, I Agree" link below, you are agreeing to all the On-Line Access Agreements stated above. 

A separate application must be completed for each individual who requests a unique password.  The charge for online bill payment service applies to each customer with a password which allows online bill payment service.