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Sign up for Internet Banking

Business Customers should call (269) 651-9345 to request a Business Internet Banking Application.

Personal Customers can follow the easy 3 steps to sign up for Personal Internet Banking

1.       Read and understand the following Terms of Enrollment Agreement, we recommend you print them and retain for future reference

2.       Select "I agree" at the end of the Term of Enrollment Agreement to access the Application.

3.       Complete the Auto enrollment form.

1). The Service .

In consideration of the Internet Banking Service ("Service"), also known as Online Banking, to be provided by Sturgis Bank & Trust Company ("Bank"), as described from time to time in information distributed by Bank to its customers. In this agreement, "Customer" refers to the person(s) subscribing to or using the Service. The Customer may use a Personal Computer ("PC") through an Internet connection to obtain account balances and transaction information. The Customer may also use a PC to obtain statements on accounts and to transfer money between accounts. In addition, a PC may be used to electronically direct the Bank to make payments from a Customer ("Account") to third parties ("Payees") that the Customer has selected to receive payments through the Service. The Account means a designated BillPay checking account at the Bank from which the Bank's provider (BillPay) makes bill payments on the Customer's behalf pursuant to this Agreement. By subscribing to the Service or using the Service to make any payments to a third party, the Customer agrees to the terms of this Agreement. Reference Bill Pay Terms & Conditions.


2). Access ID and Password.

Each individual who has access to the Service, including each individual named on joint accounts, must designate a PASSWORD to accompany their ACCESS ID. Pursuant to the enrollment method, the Bank may assign the Customer an ACCESS ID along with a temporary PASSWORD. The Customer may be required to change the ACCESS ID and PASSWORD the first time the Service is used. The PASSWORD must be a minimum of eight (8) characters, up to a maximum of fourteen (14) characters, which must consist of at least one (1) letter, and one (1) number. Characters used in your PASSWORD are case-sensitive, so a "M" is not the same as a "m". It is recommended that the Customer change this PASSWORD periodically for increased security. After 180 days of inactivity the ACCESS ID will become deactivated and the customer will be required to re-enroll to continue using internet banking.


3). Mobile Banking.

The Customer must be enrolled in Internet Banking Service to be eligible for the use of Mobile Banking. The same ACCESS ID and PASSWORDS will be used to access your accounts, transfer funds and make payments through the Mobile Banking App. We support iOS (Apple) and Android (Google) device platforms. Upon successful enrollment in Internet Banking, the individual will be prompted to enroll in Mobile Banking. Reference Mobile Banking Terms & Conditions.


4). Alerts

Your enrollment in Sturgis Bank & Trust Company 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 Sturgis Bank & Trust Company account(s). Alerts are provided within the following categories: a) 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; b) 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; c) Additional Alerts must be activated by you to be enabled. These Additional Alerts can be accessed from the Alerts menu within Sturgis Bank & Trust Company Online Banking and Alerts menu within Sturgis Bank & Trust Company 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. Sturgis Bank & Trust Company 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 Sturgis Bank & Trust Company 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 anytime. 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 Sturgis Bank & Trust Company 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 269-651-9345. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile, U.S. Cellular, Verizon Wireless, MetroPCS.


Limitations. Sturgis Bank & Trust Company 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 Sturgis Bank & Trust Company's control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold Sturgis Bank & Trust Company, 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.


5). Equipment.

The Customer is solely responsible for their own equipment to access the service including, but not limited to, the PC, Internet access and appropriate browser software. The Bank is not responsible for errors, delays, or inability to access the Service caused by the Customer's equipment. The Bank is not responsible for the cost of upgrading equipment to stay current with the Service nor is the Bank responsible, under any circumstances, for any damage to the Customer's equipment or the data resident thereon.


6). Business Days / Hours of Operation.

The Service is available 24 hours a day, seven days a week, (except during maintenance periods) for inquiries, the scheduling of payment orders and transfers. For the purpose of this Agreement the Bank's business hours are 9:00 a.m. to 5:00 p.m. (Eastern Standard Time), Monday through Friday. Saturday and Sunday are not considered Business Days in this Agreement.


7). Electronic E-Mail.

We may not immediately receive any E-mail sent by the Customer. We have a reasonable responsibility to take action or respond to E-mail requests. Customers CANNOT use e-mail to make BillPay requests, transfer funds or report unauthorized transactions or unauthorized use of your ACCESS ID or PASSWORD. Customers MUST notify us at the phone number or address listed in this Agreement.


8). Electronic Statements.

Your enrollment in Sturgis Bank & Trust Company Internet Banking (the "Service") includes enrollment to receive your periodic account statements via an electronic format. Upon successful enrollment, you acknowledge you will no longer receive a paper statement for the enrolled accounts. Reference eStatement Terms & Conditions.


9). Authorization to Obtain Information.

You agree that we may obtain and review your credit report from a credit bureau or similar entity. You also agree that we may obtain information regarding your Payee Accounts in order to facilitate proper handling and crediting of your payments.


10). Scheduling and Delivery of your Transfers/Bill Pay.

Transfers may be initiated on the current business day, on a future date, or on the same date of each month, subject to the restrictions in this Agreement. Although information can be entered through the Service twenty-four (24) hours a day, seven (7) days a week, transfers/BillPay payments can post only on business days (Monday through Friday, excepting legal banking holidays). Funds will be deducted from the Customer's Account on the business day on which the transfer/BillPay payment posts to the account. This date is referred to in this Agreement as the "Transaction Date". Except in the case of an Express Transfer, if you schedule a transfer/BillPay payment to occur on a day other than a business day, it will be initiated on the following business day.


11). Transfers

The Service enables you to transfer funds: (i) between your Accounts that you maintain with us, also referred to as an Internal Transfer; and (ii) between your Account(s) that you maintain with us, and your Account(s) that are maintained by other financial institutions, also referred to as an External Transfer. You represent and warrant that you are an owner of the Sending Account and the Receiving Account and that you have all necessary legal right, power and authority to transfer funds from the Sending Account to the Receiving Account. Further, you represent and warrant that the Receiving Account is located in the United States. Transfers must be initiated by the electronic cut off time of 6:00pm (Eastern Standard Time) on any business day in order for the transfer to be posted for that business day. Express Transfers have immediate availability, therefore; cannot be cancelled once initiated.

(a) In the event that we cannot verify your identity or other necessary information when enrolling for the service, the request will be denied.

(b) When we receive a Transfer Instruction from you, you authorize us to debit your Sending Account and remit funds on your behalf to the Receiving Account designated by you and to debit one of your Accounts. You also authorize us to reverse a transfer from your Receiving Account if the debit is returned from the Sending Account for any reason, including but not limited to nonsufficient funds.

(c) We will use reasonable efforts to make all your transfers properly. However, we shall incur no liability if we are unable to complete any transfers initiated by you because of the existence of any one or more of the following circumstances:

i. If, through no fault of ours, the Sending Account does not contain sufficient funds to complete the transfer or the transfer would exceed the credit limit of your overdraft account;

ii. The Service is not working properly and you know or have been advised by us about the malfunction before you execute the transaction;

iii. The transfer is refused;

iv. You as a Sender have not provided us with the correct information, including but not limited to the correct Sending Account or Receiving Account information; and/or,

v. Circumstances beyond our control (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution(s), or interference from an outside force) prevent the proper execution of the transfer and we have taken reasonable precautions to avoid those circumstances.

(d) It is your responsibility to ensure the accuracy of any information that you enter into the Service, and for informing us as soon as possible if you become aware that this information is inaccurate. You may not use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a transfer made to the wrong Receiving Account once informed, but we do not guarantee such recovery and will bear no responsibility or liability for damages resulting from incorrect information entered by you.

(e) Additionally, all funds transfers are also subject to rules and regulations governing the relevant accounts. You agree not to affect any funds transfers from or to an account that is not allowed under the rules or regulations applicable to such accounts including; without limitation, rules or regulations designed to prevent the transfer of funds in violation of OFAC regulations.


Transfer Methods and Amounts. We may, at our sole discretion, impose limits on the amount of money you can transfer through our Service. We also reserve the right to select the method in which to transfer funds on your behalf, and the method to return funds to you in the event that the Receiving Account is closed or otherwise unavailable to us.


Transfer Service Fees and Additional Charges. Fees for External Transfers, if applicable, will be disclosed in the user interface for the Service related to a transfer. Any applicable fees will be charged that are specifically use-based. You agree to pay such charges and authorize us to deduct the calculated amount from the applicable Account you hold with us, whether a Sending Account or Receiving Account, for these amounts and any additional charges that may be incurred by you. Any financial fees associated with your standard deposit accounts will continue to apply. You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider.


Recurring Transfers. Recurring transfers are those made for the same amount scheduled on a weekly, bi-monthly, monthly basis, or some other consistent interval. Once started, recurring transfers will be made automatically until the Bank is notified to stop or cancel the Service and the Bank has sufficient time to cease the recurring transfer(s).


Canceling Transfers. You may cancel an external transfer at any time up until it begins processing (as shown in the Service). You may cancel a scheduled recurring transfer (internal transfer) up to 6:00 p.m. Eastern Standard Time on the business day the payment is scheduled to be initiated ("Transaction Date"). There is no fee for canceling a transfer, on the same day the transfer is scheduled to be initiated, provided the cancellation is made prior to 6:00 p.m. Eastern Standard Time.


Returned Transfers.  By using the Service, you are requesting us to make transfers for you from your Transaction Account. If we are unable to complete the transfer for any reason associated with your Transaction Account (for example, there are insufficient funds in your Transaction Account to cover the transaction), the transfer may not be completed. In some instances, you will receive a return notice from us. In each case, you agree that:  a) You will reimburse us immediately upon demand the transfer amount that has been returned to us; b) You may be assessed a returned deposited item fee by our Service Provider and/or by us if the transfer is returned because you have insufficient funds in your Transaction Account to cover the requested transfer or if we cannot otherwise collect the funds from you The fee amount will be as set forth in your fee schedule from us or your Account agreement with us. You hereby authorize us to deduct these amounts from your designated Transaction Account by ACH debit.


12). Bank Liability for Failure to Complete Transactions.

If the Bank does not complete a transaction (transfer) to or from the Customer's Account on time or in the correct amount according to this agreement, the Bank might be liable for some losses or damages. However, there are the following exceptions. The Bank will not be liable:

a)      if, through no fault of the Bank, the Customer does not have enough money in an account to complete the transaction;

b)      if the money in the Customer's Account is subject to legal process or other encumbrances restricting the transaction;

c)      if the system was not working properly when the Customer started the transaction;

d)      if circumstances beyond our control (such as fire or flood or systems failure) prevent the transaction, despite reasonable precautions that we have taken; or

e)      if the Customer incorrectly types required information such as Account number, amount or other necessary information; or

f)       if the Payee mishandles or delays handling payment sent by the Bank.


13). Exiting the System.

When the Customer is finished using the Service the Exit button must be used to log out of the Service. If the Customer does not select the Exit button or the System does not detect Customer activity for a period of time, the Customer will be automatically logged off the Service.


14). Account History.

Customers have the capability of viewing up to two (2) months of deposit Account history (sometimes more for savings and certificate Accounts) and lifetime history for loan Accounts.


15). Security Procedures.

By accessing the Service, the Customer hereby acknowledges that you will be entering a protected web site owned by the Bank, which may be used only for authorized purposes. The Bank may monitor and audit usage of the System, and all persons are hereby notified that use of the Service constitutes consent to such monitoring and auditing. Unauthorized attempts to up- load information and/or change information on these web sites are strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of 1986. To ensure that the highest level of security is used the Customer is required to use the following browser types with 128-bit encryption capability: Internet Explorer, version 10.0 or greater OR Firefox, version 48.0 or greater


16). Privacy Notice for Internet Banking

We may only disclose information to third parties about your account or the transactions you make:

a)      where it is necessary for completing transactions or resolving errors involving the Service; or

b)      in order to verify the existence and condition of your account for a third party, such as a credit bureau or a merchant; or

c)      in order to comply with government agency rules, court orders, or other applicable law; or

d)      to our employees, service providers, auditors, collection agents, affiliated companies, or attorneys in the course of their duties and to the extent allowed by law; or

e)      if you give us your permission.


17). Notice of Customer Rights and Liabilities.

The security of Customer transactions is extremely important to the Bank. Use of the Service therefore requires a PASSWORD in addition to the unique ACCESS ID. If a PASSWORD is lost or forgotten, please call (269) 651-9345, during normal business hours listed above. The Bank may require that the Customer verify their identity by providing personal information such as social security number, date of birth or home telephone number. The Customer's PASSWORD must be kept secret. Notify the Bank immediately if the PASSWORD is lost or stolen or if it is believed someone else has discovered the PASSWORD. It is agreed that if the PASSWORD is given to someone else, the Customer is authorizing them to act on behalf of the customer, and the Bank may accept any instructions given to make transfers or otherwise use the Service. The Service enables you to change your PASSWORD and the Bank strongly recommends that the PASSWORD be changed regularly. The Bank may be liable for certain security breaches to the extent required by applicable law and regulation. The Bank does not assume any other liability or otherwise guarantee the security of information in transit to or from the Bank's facilities. Please note that the Bank reserves the right to (1) monitor and/or record all communications and activity related to the Service; and (2) require verification of all requested transfers in the manner the Bank deems appropriate before making the transfer (which may include written verification by the customer). It is agreed that the Bank records will be final and conclusive as to all questions concerning whether or not the PASSWORD was used in connection with a particular transaction. If any unauthorized use of the Customer's PASSWORD occurs, the Customer agrees to (1) cooperate with the Bank and appropriate law enforcement authorities in identifying and prosecuting the perpetrator; and (2) provide reasonable assistance requested by the Bank in recovering any unauthorized transfer of funds. Tell the Bank AT ONCE if it is believed the PASSWORD has been lost or stolen. Quick notification is the best way of keeping losses down. The Customer could lose all the money in an account (plus your maximum line of credit, if applicable). If the Bank is notified within two (2) business days, the Customer can lose no more than $50. If the Bank is NOT notified within two (2) business days after it is learned of the loss or theft of the PASSWORD and it can be proved that someone could have been stopped from using the PASSWORD without permission if the Bank had been notified, the Customer could lose as much as $500. Also, if the Customer's statement shows transfers that the Customer did not make, notify the Bank at once. If the Bank is not notified within sixty (60) days after the statement was mailed, the Customer, may not get back any money lost after the sixty (60) days if it can be proved that the Bank could have prevented someone from taking the money if the Bank was notified in time. If it is believed the PASSWORD has been lost or stolen or that someone has transferred or may transfer money from an account without permission, call (269) 651-9345 during normal business hours listed previously. THE BANK CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN PASSWORDS, OR UNAUTHORIZED TRANSFERS VIA E-MAIL.


18). Errors and Questions.

In case of errors or questions about electronic transactions, telephone the Bank at (269) 651- 9345, 9:00 a.m. through 5:00 p.m. (Eastern Time), Monday through Friday, or write us at:


Sturgis Bank & Trust Company

Attn: Online Banking Dept.

P.O. Box 600

Sturgis, MI 49091


as soon as possible, if you think a statement or receipt is incorrect or if more information is needed about a transaction listed on the statement or receipt. The Bank must hear from the Customer no later than sixty (60) days after the FIRST statement was sent on which the problem or error appeared. You will need to:

a)      list your name, contact information (address and daytime phone number) and Account number

b)      describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information

c)      tell us the dollar amount of the suspected error


If the Bank is notified verbally, you may be required to send the complaint or question in writing within ten (10) business days. The Bank will determine whether an error occurred within ten (10) business days after the initial notification and will issue a provisional credit to your account. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. If we need more time we may take up to forty-five (45) days to investigate your complaints or questions. If we determine there was no error, we will reverse the provisional credit amount, if any, and we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents we used in our investigation.


19). Termination.

To terminate access to the Service, call (269) 651-9345 during regular business hours. After receipt of the call, a written termination authorization for signature and return will be sent. In order to avoid imposition of the next monthly fee, the written authorization to terminate must be received five (5) days before the service charge is scheduled to assess. RECURRING TRANSFERS WILL NOT NECESSARILY BE DISCONTINUED BECAUSE ACCESS TO THE SERVICE IS TERMINATED. TO MAKE SURE THAT RECURRING TRANSFERS BETWEEN ACCOUNTS ARE STOPPED, FOLLOW THE PROCEDURES IN THE CANCELING PAYMENTS PARAGRAPH PREVIOUSLY LISTED OR SPECIFICALLY STATE ON THE TERMINATION AUTHORIZATION THAT YOU WANT ALL RECURRING TRANSFERS TERMINATED. The Bank reserves the right to terminate the Service, in whole or in part, at any time with or without cause and without prior written notice. In that event, or in the event that the Customer provides a termination notice, the Bank may (but is not obligated to) immediately discontinue making previously authorized transfers, including recurring transfers and other transfers that were previously authorized but not yet made. The Bank also reserves the right to temporarily suspend the Service in situations deemed appropriate by us, in our sole and absolute discretion, including when we believe a breach of system security has occurred or is being attempted. The Bank may consider repeated incorrect attempts to enter the PASSWORD as an indication of an attempted security breach. Termination of the Service does not affect the Customer's obligation under this Agreement with respect to occurrences before termination.


20). Governing Law.

The laws of the state of Michigan shall govern this Agreement and all transactions hereunder. Customer acknowledges that he/she has reviewed this Agreement, understands the terms and conditions set forth herein and agrees to be bound hereby.


21). Limitation of Liability.

Except as otherwise provided in this Agreement or by law, the Bank is not responsible for any loss, injury, or damage, whether direct, indirect, special or consequential, caused by the Service or the use thereof or arising in any way out of the installation, operation, or maintenance of the Customer's PC equipment.


22). Indemnification.

The Customer, in consideration of being allowed access to the Service, agrees to indemnify and hold the Bank harmless for any losses or damages to the Bank resulting from the use of the Service, to the extent allowed by applicable law.


23). Assignment.

The Customer may not transfer or assign your rights or duties under this Agreement.


24). Waivers.

No waiver of the terms of this Agreement will be effective, unless in writing and signed by an authorized officer of the Bank.


25). Amendments.

The Bank can change a term or condition of this Agreement by mailing or delivering to the Customer a written notice at least thirty (30) days before the effective date of any such change. The Bank does not need to provide you with any prior notice where an immediate change in the terms or conditions of this Agreement is necessary to maintain or restore the security of the system or an account. However, even in these cases, if the change is to be made permanent, the Bank will provide the Customer with a notice of the change with the next regularly scheduled periodic statement sent, or within thirty (30) days, unless disclosure would jeopardize the security of our system or an Account. Notices mailed or delivered to the Customer as discussed in this paragraph will be considered effective if mailed to the most recent Customer address in our Account records, or e-mail address to which the Customer authorized receipt of such notices and/or disclosures.




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