First National currently provides the Services described below to Business Users subject to the terms and conditions of the FNB Online Business User Agreement and related Links including, but not limited to, this Link and any other agreement between First National and Customer relating to the Services, including, but not limited to, any and all Account Agreements, Deposit Agreements, Loan Documents and ACH Agreements as they may be amended from time to time all of which are incorporated herein by reference. Many terms used in this Link are defined in Section 13 of the FNB Online Business User Agreement and at the Definitions Link.

WARNING: NOTWITHSTANDING ANY INSTRUCTIONS OR AGREEMENTS THAT REQUIRE TWO OR MORE SIGNATURES TO ACCESS CUSTOMER’S ACCOUNT(S), ANY ONE AUTHORIZED USER WILL HAVE ACCESS TO AN ACCOUNT THROUGH FNB ONLINE IF CUSTOMER GRANTS ACCESS TO THE ACCOUNT TO THE AUTHORIZED USER(S).


BASIC SERVICES

Account Inquiry
Authorized users can request and receive all account information about one or more specified accounts at First National, including account balance information; status and description of any or all items, debits, credits, or charges related to the account; account history; and all other information about activity associated with the account.

Account Inquiry is available for all types of accounts.

Account Information Downloading
Authorized users can export history information from FNB Online to a file that can be imported into financial software applications such as Microsoft Money™ or Quicken™. The history file is available in ASCII, comma delimited, or QIS formats.

Transfers – Cutoff Time – 4:00 p.m. MT
Authorized users can transfer funds between accounts within First National. Transfers can be made between checking and savings accounts and from certain loan accounts. This service does not permit transfers of funds into, or out of, First National.
Transfer from savings accounts and from money market savings accounts are subject to transaction limitations contained in Federal Reserve Regulation D. Please see the Disclosures Link and the Disclosures provided when the account was opened.

Stop Payment Requests and Orders – Cutoff Time – 4:00 p.m. MT
Authorized users can request that First National stop payment of any item payable from an account to which that authorized user has access regardless of whether authorized user signed the item or not, if customer has a right to withdraw funds from the affected account in accordance with the Deposit Agreement. Customer agrees that a Stop Payment Request submitted through FNB Online, is submitted in writing for purposes of the Uniform Commercial Code. A Stop Payment Request must specifically identify the item to which it applies and must be received by First National in sufficient time to give First National a reasonable opportunity to act on it before First National pays the item.

A FNB Online Stop Payment Request must contain all of the following information:
Account Number
Specific Check Number
Amount of Check
Issue Date
Reason for Stop Payment

All of this information must be exact. If the information is not exact, the order will not be effective and First National will not be responsible for failure to stop payment.

When authorized users initiate a Stop Payment Request with respect to an item, customer agrees that customer will indemnify, defend, and hold First National Indemnitees harmless from and against any claim arising in connection with First National’s refusal to pay such item. Customer’s obligation to defend and indemnify First National Indemnitees includes payment of any legal fees and costs incurred by First National in connection with the Stop Payment Request.

If effective, a Stop Payment Request becomes a Stop Payment Order.

Stop Payment Orders only remain valid for a period of six (6) months. Customer or authorized users must renew a Stop Payment Order before the expiration of the initial 6-month period, and follow First National’s procedures to extend a Stop Payment Order beyond 6 months.

A Stop Payment Order can not be released through FNB Online.

FNB Online Stop Payment Requests and Orders are not available for electronic (i.e. ACH) items. Customer must visit a First National office and complete an "Affidavit of Unauthorized ACH Debit Activity” to request stop payment on electronic (ACH) items.

Loan Advances – Cutoff Time 4:00 p.m. MT
Authorized users can obtain loan advances from certain loans.

Loan Payments – Cutoff Time 4:00 p.m. MT
Authorized users can make scheduled and unscheduled loan payments on all First National loans.

COMMERCIAL SERVICES

ACH Credit and Debit Origination – Cutoff Time – 2:00 p.m. MT
ACH origination capabilities are not available for Certificate Deposit Accounts.
Authorized users can transmit ACH files to First National for submission to the ACH system or use ACH file import functions. ACH Services shall be governed by an ACH Services Agreement (Business - Credit and Debit) between Customer and First National; NACHA Rules as amended from time to time and applicable federal and state law.

ACH Origination from a savings and/or money market savings account is subject to transaction limitations.

Transaction limitations are governed by Regulation D stating:

Transfers from a savings or money market savings account to another account or to third parties by pre-authorized, automatic, savings overdraft coverage, or telephone transfer are limited to six per statement cycle with no more than three by check, draft, debit card, or similar order to third parties.

Transfers made via FNB Online are included as pre-authorized or automatic transfers subject to these limitations. Any transfers in excess of these limits must be requested in person at a First National office.


Treasury Tax Payments – Cutoff Time 2:00 p.m. MT
Authorized users can make Treasury Tax payments electronically via FNB Online. The customer must already be set up with the Internal Revenue Service for electronic payment of Treasury Tax Payments to use this feature.

Treasury Tax Payments made via FNB Online are included as pre-authorized or automatic transfers subject to Regulation D transaction limitations as follows:

Transfers from a savings or money market savings account to another account or to third parties by pre-authorized, automatic, savings overdraft coverage, or telephone transfer are limited to six per statement cycle with no more than three by check, draft, debit card, or similar order to third parties.

Any transfers in excess of Regulation D limits must be requested in person at a First National office.


Wire Transfer Requests – Cutoff Time 2:30 p.m. MT
Outgoing Domestic and Foreign wire transfer requests are available through FNB Online. There are no wire capabilities for Certificate of Deposits.

Authorized users can transmit the data necessary to effect a wire transfer from an Account to which Authorized User(s) has access. To be processed on a same-day basis, wire transfer requests must be received by First National no later than the Cutoff Time. Any wire transfer request received after the cutoff time will be processed on the next business day. First National has the right not to process any wire transfer request if insufficient collected funds are available in the designated Account to fund the wire transfer request.

Wire Transfer Requests from a savings and/or money market savings account, are subject to Regulation D transaction limitations as follows:

Transfers from a savings or money market savings account to another account or to third parties by pre-authorized, automatic, savings overdraft coverage, or telephone transfer are limited to six per statement cycle with no more than three by check, draft, debit card, or similar order to third parties.

Wire Transfer Requests made via FNB Online are included as pre-authorized or automatic transfers subject to these limitations. Any transfers in excess of these limits must be requested person at a First National office.