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Disclosure2020-03-26T11:32:38+00:00

Copyright Notice and Disclosures

Use of Information

ACCESSING THIS WEB SITE OR VIEWING ANY OF ITS CONTENTS SHALL CONSTITUTE YOUR AGREEMENT WITH THE TERMS BELOW.

Use of Information and Materials

Any person is hereby authorized to view the information available from this Web site for informational purposes only. No part of this information may be redistributed, copied, or reproduced without the prior written consent of Citizens Trust Bank or its affiliates. The product and fee information presented in this Web site represent Citizens Trust Bank’s offerings as of the most recent update. Rules, Regulations, Fee Schedules, and Service Agreements currently in effect take precedence over any information herein. The information contained in these pages is subject to change without notice.

The company information contained in this site is provided for informational purposes. Neither Citizens Trust Bank, nor any of its affiliates is acting as an adviser or fiduciary by publishing any information contained in this site.


Password and Security Procedures

Upon becoming a Service Client, you will receive a temporary password or self-select a password, which will allow you access to your Account information. Use of the password will indicate to the Bank your acceptance of the terms and conditions governing your Account(s) and this Agreement and if applicable, the Bill Pay Service terms and conditions. Any Service transactions, including, but not limited to accessing Account information, making transfers, giving transfer-related instructions or utilizing the electronic bill payment service, initiated by the Client or person(s) on behalf of a commercial Client by entering the correct password is deemed as acting with full authority of the Board of Directors, members or general partners, as applicable, of the commercial Client. Each time you access Account information, make transfers or give transfer-related instructions, you will be required to enter your password.

If your password is lost or stolen or is known by another individual, you must notify the Bank immediately. Failure to notify the Bank promptly could result in loss of funds. You are responsible for maintaining the confidentiality of your password and any breach of confidentiality shall promptly be reported to the Bank. You may contact the Bank at 888.214.3099 to report such security breach. The Bank reserves the right to prevent your access to Service should we have reason to believe the confidentiality of your password has been compromised.

You understand that the Bank has implemented security procedures for the purpose of verifying the authenticity of the payment instructions transmitted to the Bank by you, and not for the purpose of detecting errors in such instructions. Such security procedures include (i) a unique file identification number and transmission password, (ii) challenge questions and required responses and (iii) encryption. You agree that these procedures constitute reasonable methods of providing security against unauthorized instructions. You agree to be bound by any instruction issued by you and received and verified by the Bank in accordance with such security procedures, and you shall indemnify and hold the Bank harmless from and against any loss suffered or liability incurred by, or arising from, the execution of instructions in good faith and in compliance with such security procedures.

No Warranties

The information and materials contained in the Web site are provided “as is” without warranty of any kind, either express or implied, including without limitation, any warranty of accuracy, adequacy or completeness of the information and materials, title, non-infringement of third party rights, merchantability, fitness for a particular purpose and freedom from computer virus.

Third Party Links

Citizens Trust Bank is happy to make available to you links to other sites on the World Wide Web. Citizens Trust Bank believes the links contained on its pages are to reputable companies. Nevertheless, Citizens Trust Bank makes no representations or warranties regarding non-Citizens Trust Bank sites or the companies maintaining them. Citizens Trust Bank does not control or monitor such Web sites and Citizens Trust Bank does not endorse the content or the use of such Web sites. If you choose to access non-Citizens Trust Bank Web sites through links on our pages, you accept responsibility for all related risks.


Limitation of Liability

In no event will Citizens Trust Bank or any of its affiliates be liable for any damages, losses or expenses, including without limitation, direct or indirect, special, incidental or consequential damages arising in connection with this Web site, use thereof or reliance on any information contained herein, even if Citizens Trust Bank or any of its subsidiaries or affiliates are notified of the possibility of such damages.

Choice of Law; Unenforceability

Your access to and use of this Website, and these terms, are governed by and will be construed in accordance with the laws of the State of Georgia, without regard to principles of conflicts of laws. In the event that any provision of these terms is held unenforceable, the validity or enforceability of the remaining provisions will not be affected, and the unenforceable provision will be replaced with an enforceable provision that comes closest to the intention underlying the unenforceable provision.

Any person is hereby authorized to view the information available from this web site for informational purposes only. No part of the information on this site can be redistributed, copied, or reproduced without prior written consent of Citizens Trust Bank.

Copyright Information

©2015 Citizens Trust Bank, Atlanta, GA All Rights Reserved
All information in this site is protected by a compilation copyright in the United States of America based on U.S. Copyright Law (17 U.S.C. sec.101 et seq) and International Copyright Laws and may not be reproduced in whole or in part. Unless otherwise specified, no one has permission to copy or republish, in any form, any information found on this site.

Disclaimer of Warranties

The information contained or accessed, and references to corporations, including their services and products, are provided “as is” without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, or error-free or uninterrupted service.

Descriptions of, or references to, products, services or publications within Citizens Trust Bank’s web site does not imply endorsement of that product, service or publication. Citizens Trust Bank makes no warranty of any kind with respect to the subject matter included herein, the products listed herein, or the completeness or accuracy of the information. Citizens Trust Bank specifically disclaims all warranties, express, implied or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose.

This publication could include technical inaccuracies or typographical errors. Changes may be periodically made to the information herein.