Online Banking Agreement and Disclosure

The following is a copy of The Agreement offered online as a preface to the Online Banking Services Enrollment Form:

This Online Banking Agreement and Disclosure (The Agreement) explains the terms and conditions governing basic Online Banking Services offered by Peoples Bank. By using our Online Banking Services, you agree to abide by the terms and conditions of The Agreement. For clarity, the terms “we”, “us”, “our” and “Peoples Bank” refer to Peoples Bank. “You” refers to each person who enrolls for Online Banking services and has a password.

Your Online Banking services and each of your accounts are also governed by the applicable Disclosures, Rates and Fee Schedules provided by Peoples Bank in your deposit and loan agreements given to you when your accounts were established. Collectively these are called Peoples Bank "Bank Documents".

You are responsible for paying any fees assessed by your Online Service Provider and for any telephone charges or fees incurred by accessing Online Banking Services.

Your initial use of Online Banking Services constitutes your acceptance of and agreement to be bound by all the terms and conditions of The Agreement and by Peoples Bank "Bank Documents” and acknowledges your receipt and understanding of this agreement. You are liable for all transactions made or authorized using your password. Do not, under any circumstances, disclose your password by telephone or to anyone claiming to represent Peoples Bank. Peoples Bank employees do not need and should not ask for your password. Do not disclose your password to anyone. If, despite Peoples Bank's advice, you give your password to anyone, you do so at your own risk. Anyone with access to your Online Banking password or other means of account access will have full access to your accounts, even if you attempt to limit that person's authority. Should you believe your password has been compromised, please request that it be changed immediately. You must notify Peoples Bank that your password has been lost, stolen, or otherwise compromised.

Peoples Bank is entitled to act on instructions received through Online Banking under your password and without inquiring into the identity of the person using the password. Peoples Bank has no responsibility for establishing the identity of any person using your password.

Online Banking Services Enrollment:

Each family has a portfolio, which includes all accounts owned by the members of that immediate family. These accounts may all be held jointly by the family members or may be made up of any number of ownership combinations. For example: Mom and Dad may have one or more joint accounts. The children may have accounts with Mom and/or Dad on them as signers. Dad and/or Mom may have single owner accounts. The number of combinations in your portfolio and the accounts you wish to view determines the number of Online Banking Accounts you need. For example: If Mom and Dad have joint account/s and they are both signers of the children's accounts they can have one enrollment, which will allow them to see all the accounts in the portfolio. If the children wish to see their accounts, each child would need to enroll separately. The only accounts they could see would be the accounts they own. They would not be able to see their parents' accounts even though they are all in the same portfolio.

You are liable for all transactions that you or any other owner/signer make or authorize even if the other person exceeds the authority you intended or agreed upon. You hereby agree to release Peoples Bank from any liability and agree not to make any claim or bring any action against us for striving to carry out the requests made through the Online Banking System under your password. You also agree to indemnify Peoples Bank and hold it harmless from and against any and all liability (including but not limited to reasonable attorney fees) arising from any such claims or actions.

Peoples Bank has the right to deny, modify or terminate this agreement at any time. We will comply with any notice requirements under applicable law for such changes or termination. If we terminate The Agreement, no further Online Banking transfers will be made. If we modify The Agreement, your continued use of Online Banking Services will constitute your acceptance of such changes in each instance.

Additional provisions regarding Online Banking:

Electronic Funds Transfer Act

Some of the transfers permitted through Online Banking Services may be governed by the Electronic Funds Transfer Act (the “EFTA”), and some of the terms and conditions of this Agreement are disclosures required by the EFTA. Commercial account holders are not covered by the EFTA and therefore certain provisions will not be applied to commercial accounts.

Online Business Day/Hours of Operation

The Online Banking Service is available 24 hours a day, seven days a week, except during maintenance periods. Transactions initiated before 6:00 P.M. CST on a business day are posted to your account the same day. Transactions initiated after that time on a business day, Saturday, Sunday, or bank holiday, will post on the next business day.

Computer Requirements

Access to Online Banking will be provided through the Worldwide Web of the Internet. You are solely responsible for the setup, installation, operation, and maintenance of the equipment you use to access the Online Banking Service and for providing your own access to the Internet through the Internet Service Provider of your choice. Your browser must support at least 128-bit encryption. We are not responsible for the cost of upgrading your equipment to stay current with the Online Banking Service. We are not responsible for any errors or failures from any malfunction of your computer, and we are not responsible for any computer virus or related problems that may be associated with the use of your computer. In addition, the display of your Online Banking Service is designed to work best with 800 X 600 monitor resolution.

Privacy and Confidentiality

Peoples Bank is strongly committed to protecting your security and confidentiality. To ensure the privacy of your account information while you are online, you are only able to access your account with high security browsers. Once logged in, if no action is taken within 10 minutes you will automatically be logged off. You are limited to a session of 20 minutes each time you access Online Banking Services. Our customer privacy statement can be obtained via the “Privacy Policy” link on our home page.

Funds Transfer Limitations

Your ability to transfer funds between certain accounts is limited by federal law, as stated in the "Deposit Account Terms and Conditions."


You will not receive a separate Online Banking Services statement. We will mail or deliver periodic statements to you as provided under the account agreement. In addition to other account activity, these statements will include any transactions authorized using the Online Banking Service.


Alerts. Your enrollment in Peoples 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 Peoples Bank account(s). Account Alerts and Additional Alerts must be managed and/or added online through the Service. 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. Peoples 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 Peoples Bank Online Banking message inbox. 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 regarding 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 Peoples Bank Online Banking. For help with SMS text alerts, text “HELP” to 99588. In case of questions please contact customer service at 931-676-3311. Our participating carriers include (but are not limited to) AT&T, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.

Limitations. Peoples 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 Peoples Bank’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold Peoples 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.

Links to Other Sites

Our website may contain links to websites not operated by Peoples Bank. We provide these links for your convenience, but we do not review, control, or monitor the materials on any other websites. We do not control, guarantee, endorse or have any responsibility for the content, recommendations, products, or services provided by the linked sites. We are not responsible for the performance of those sites or for your business dealings with them. We are not liable for any failure of products and services advertised on those sites. Please use caution when using linked websites as they may be less secure than the Bank's website.

Electronic Messaging and Notices

General inquiries concerning maintenance and other issues should be directed to a Customer Service Representative at Peoples Bank. See the “Contact Us” link on the Peoples Bank home page. You should not use this form or regular e-mail to initiate banking transactions or give personal identifying information. This form is not located on a secured encrypted server.

Our Liability for Failure to Complete Transactions

If a transfer to or from your account is not completed on time or in the correct amount, according to our agreement with you, we may be liable for a portion of your losses or damages. However, the following exceptions apply:

  • If, through no fault of ours, you do not have enough money in your account to make the transfer;
  • If the money in your account is subject to legal process or other encumbrances restricting transfer;
  • If the Online Banking System was not working properly when you started the transfer;
  • If circumstances beyond our control (such as fire, flood, or systems failure) prevent the transfer, despite reasonable precautions that we have taken.


You may terminate the use of this Online Banking Service by contacting Peoples Bank in writing by mail, e-mail, or personal delivery. If your account is closed or restricted for any reason, Online Banking accessibility will automatically terminate.

Errors and Questions

If you experience a problem or have a question about transactions completed using Online Banking Services, please call us at:

Peoples Bank
P. O. Box B
Clifton, TN 38425
931-676-3311 or 877-656-3311


You will be required to change your password the first time you log in to the Online Banking System. Your password must be:

  • 9 - 17 Characters
  • 1 Alpha
  • 1 Numeric
  • 1 Special Character
  • Case Sensitive

Your password will not expire on our system. We strongly recommend changing your password on a regular basis for your safety. If you forget your password, please contact us at 931-676-3311 or 877-656-3311 to have a new temporary password issued. Please safeguard your password and do not, under any circumstances, release it to anyone.