Please review the agreement below and then complete the process by selecting the appropriate button at the bottom of this screen.
You may download and print copies, for personal use only, of any part of the Agreement to keep on file.
Contents of TNonline Agreement
1. Introduction to TNonline
2. Accessing Your Bank Accounts
4. General Terms and Disclosure
The terms within this TNonline Agreement are as follows:
The terms "we," "us," "our," and "Bank" refers to Thumb National. "You" refers to each signer on an account. The term "business day" shall mean every day except Saturdays, Sundays and federal holidays. The term "Agreement" refers to the TNonline Agreement. The terms "Site" or "TNonline" refers to TNonline transactional access website.
TNonline can be used to access certain accounts at Thumb National. The applicable "Your Account Terms and Conditions," and supplemental disclosures, you received upon opening your accounts continue to govern each of your accounts.
You and TNonline
This "Agreement" for accessing your accounts via "TNonline" explains the terms and conditions that govern, regulate and protect the integrity of data, which electronically transacts and communicates the products and services between you and Thumb National. The accounts that may be accessed via "TNonline" include only accounts maintained at Thumb National.
Venue of Thumb National TNonline
You agree that your use of Thumb National’s web site, TNonline and all transactions between you and Thumb National, shall be governed by Michigan state law and applicable to federal regulation and law. You agree that jurisdiction and venue shall be located in Pigeon, Michigan. Not all products and services described on the TNonline web site are available in all geographic areas. Thumb National reserves the right to determine eligibility for any product or service.
To access TNonline you must have a browser that supports 128-bit encryption. There are upgrades for Microsoft Internet Explorer version 5.5 or greater or Netscape Navigator version 6.0 or greater, which provide this encryption. We have placed links for you to access these upgrades on our First Time User Page.
If you wish to use a different browser, you will need to contact the provider of the browser you wish to use to get the proper 128-bit encryption.
For your protection, your password must be a minimum of 6 alphanumeric characters. It must contain at least 1 number and 1 alphabetic character.
Passwords are case sensitive with upper and lower case letter capabilities.
When you log in for the first time with your bank assigned password, you must immediately change your password. This is for your protection. We recommend you change your password frequently, and immediately if your password is compromised. You will be required to change your password every 30 days.
Passwords are unique to each user accessing TNonline. For joint and multiple signer accounts, each signer is assigned a unique access ID and password and is responsible for the confidentiality of their individual access ID and password. Access IDs and passwords must never be compromised or shared with any other person or signer on an account.
There are no periodic or transaction fees for accessing your account(s) through TNonline.
Be advised that fees may be assessed and billed to you for time spent on TNBonline, via Internet access, separately by your online service provider.
Communicating With Us and Electronic Mail (E-mail)
Sending us an email is a way of communicating with the Bank’s customer support personnel. You may contact us 24 hours a day, 7 days a week via email. We will respond to your email inquiry, response or comment during regular business hours.
You can contact us securely on our TNonline web site by selecting "Customer Service" and then select "Contact Us".
You can also contact us directly via secured Internet email at firstname.lastname@example.org.
You cannot use E-mail to conduct transactions on your account(s). For account transactions please use the applicable functions within 1) TNonline, 2) Telebanc at 1-877-TNB-3113, or 3) by calling customer service toll free at 866-TNB-3113.
The TNonline Security system is equipped with state of the art hardware and software engineered by a leading bank vendor.
Thumb National has implemented firewalls with intrusion detection 24 hours a day 365 days a year.
Thumb National is set up through VeriSign with a Secure Server ID and uses 128-bit SSL encryption to protect our customers’ information.
By using a Secure Server ID, available from VeriSign as part of its Secure Site and Secure Site Plus solution package along with 128-bit encryption:
Clicking on the VeriSign Seal at the bottom of our TNonline web pages should bring up the following. If not, do not continue, contact us toll free at 866-862-3113.
Product and Service Disclosure
We reserve the right to change the fees or other terms described in the Agreement at any time. This does not include any changes to your "Account Terms and Conditions" you received when opening your account. Changes in Account Terms will always be mailed to you at least 30 days in advance of the change. Any charges, fees or other terms changed that affect this Site will be posted at this Site.
NOTICE: All transactions conducted over TNonline are considered by the federal government as electronic "telephonic" transfers and considered "third party transfers" and are limited in number per statement cycle (month) for certain accounts under the Federal Reserve Act (Reg D). Refer to the disclosure that details the transactions allowed under Reg D that you were provided upon opening of a savings, money market or tiered interest account.
The following disclosure was provided to you upon opening a transaction (checking) account at Thumb National.
Your Ability To Withdraw Funds At Thumb National
This policy statement applies to "transaction" accounts. Transaction accounts, in general, are accounts, which permit an unlimited number of payments to third persons and an unlimited number of telephone and pre-authorized transfers to other accounts of yours with us. Checking accounts are the most common transaction accounts. Feel free to ask us whether any of your other accounts might also be under this policy.
Our policy is to make funds from your cash or check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash, and we will use the funds to pay checks that you have written. Please remember that even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.
For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays.
If you make a deposit before 2:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 2:00 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open.
If you make a deposit before noon on Monday, Tuesday, Wednesday, Thursday or Friday at Thumb National ATM locations on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit at an ATM after noon on Monday, Tuesday, Wednesday, Thursday or Friday at Thumb National ATM locations or on a day we are not open, we will consider that the deposit was made on the next business day we are open.
If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in one of your accounts. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.
Longer Delays May Apply
Case-By-Case Delays - In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. The first $100 of your deposits, however, may be available on the first business day after the day of your deposit.
If we are not going to make all of the funds from your deposit available on the first business day after we receive your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the first business day after we receive your deposit.
If you will need the funds from a deposit right away, you should ask us when the funds will be available.
Safeguard Exception Delays
In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh business day after the day of your deposit.
Special Rules For New Accounts
If you are a new customer, the following special rules will apply during the first 30 days your account is open.
Funds from electronic direct deposits into your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit.
Funds from all other check deposits will be available on the tenth business day after the day of your deposit.
Error Notification, Correction and Resolution
Thumb National Bank Regulation E "Electronic Funds Transfer Act" Error Resolution Applicability:
The following Regulation "E" (Electronic Fund Transfer Act) disclosure was provided to you when you opened an account that may have electronic transactions conducted (e.g. ATM or Debit Card or Automatic Deposit). This disclosure is also provided in this Agreement to inform you how to contact us in the event you detect an error has occurred when viewing your account(s) transaction statements while viewing on-line through TNonline. Remember, when viewing accounts, or conducting transfers from one account to another, the accounts are "real time". This means that deposits and transactions that occurred prior to your viewing should be reflected on TNonline. However, some transactions such as a transfer from checking account to pay down an Overdraft Protection line, loan payments, advances or a transaction completed at an ATM may not reflect until the 24 hour "update" has occurred on our data processing system.
In Case of Errors or questions about your electronic transfers, call or write us at the telephone number, mailing address or email address listed in the Communicating With Us and email section of this Agreement. Inform us as soon as possible, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days (5 business days if the transfer involved a point-of-sale transaction and 20 business days if the transfer involved a new account) after we hear from you. We will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days if the transfer involved a point-of-sale transaction and 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. An account is considered a new account for 30 days after the first de
posit is made, if you are a new customer.
We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.
You may ask for copies of the documents that we used in our investigation.
By clicking the "Logon" link below you agree to and are bound by the terms and conditions of the TNonline Agreement.
You agree that any information, disclosures, notices, data or supplemental information to or under this Agreement or by law or regulation or any amendments to this Agreement may be sent to you by electronic communication, including E-mail to you or by posting on Thumb National's web site.
You acknowledge that you have read and understand and agree to the terms, conditions, provisions, rules and policies disclosed in this Agreement prior to your first attempt to access your online accounts.
Note: You will need to have applied for and received a TNonline Logon ID and Password prior to logging on.