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Online Banking Terms and Conditions

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These terms and conditions constitute the agreement ("Agreement") between you and Security Bank and Trust Company, Miami, Oklahoma ("Bank") with respect to the Online Banking Services you receive from Security Bank and Trust Company. Your use of the Online Banking Service ("Service") constitutes your agreement to be bound by the terms of this Agreement. In this Agreement, the words "you" and "yours" mean each person who applied for the Service, and the terms "us" and "we" mean the Bank.

Online Banking Service

By applying for the Service, you authorize the Bank to provide information regarding your accounts with the Bank and to follow your instructions in the use of the Service.
You may use your account number and Password to access the Service and to transfer funds between your accounts via the Bank’s Internet Web Site.
You should print and retain a copy of this Agreement for your records. You agree that e-mail or other electronic communications viewed or transmitted between us through the Internet Banking Services shall be treated as "writing" and shall bind each of us in the same way as a written communication. Unless otherwise provided under applicable law, any electronic communication you send to us will not be effective until we receive it and have had a reasonable opportunity to act on it.

Contacting the Bank by Electronic Mail (e-mail):

If you send the Bank an e-mail message, the Bank will be deemed to have received it on the following business day. The Bank will have a reasonable time period to act on your e-mail. You should not rely on e-mail if you need to communicate with the Bank immediately. We request that you do not send us or request sensitive information (such as account numbers, passwords, account information, etc.) via any e-mail system. If you wish to contact us electronically, please use the "Contacting Us" link located in the Questions and Answers section of the Online Internet Banking.

Password and Security

You agree not to give or make available your Online Password to any unauthorized individuals. If you believe that your Password has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Bank at once by calling an Customer Service at 1-918-542-6661 or 1-888-330-6419 or writing to us at the address listed below under Errors and questions. Customer service personnel are available during regular business hours.

Your Liability For Unauthorized Transfers

If you tell us within two (2) business days after you discover your Password has been lost or stolen, you can lose no more than $50.00 if someone uses your Password without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your Password, and we can prove that we could have stopped someone from using your Password without your permission if you had told us, you could lose as much as $500.00. If your monthly statement contains transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may lose any amount transferred without your authorization, after the sixty (60) days period, if we can prove that we could have stopped someone from making the unauthorized transfer if you had told us on time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period.
You will be liable for unauthorized Internet Banking transactions from your deposit account to the extent allowed by applicable federal and state law and this Agreement.

Errors and Questions

In case of errors and questions about your electronic transfers, you should contact us as soon as you can by:
     1. Telephoning us at: 1-888-330-6419 or 1-918-542-6661 (during regular business hour)
     2. Writing us at: Security Bank and Trust Company
Online Banking Service
P.O. Box 880 - 2 South Main Street
Miami, OK 74355-0880
     3. Email: Logon to Online Banking and click Contact Us.

If you think that your statement is wrong or you need more information about a transfer listed on the statement, you must notify us no later than sixty (60) days after you received the first statement on which the problem or error appeared.

You must:

  1. Tell us your name and account number;
  2. Describe the error or the transfer you are unsure about, and explain as clearly as you can, why you believe it is an error or why you need more information; and
  3. Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send your complaint in writing within ten (10) business days. Except as noted below, we will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the 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.
Special Rules for New Customers — If you are a new customer, for transfers occurring within 30 days after the first deposit in your account, we will determine if an error occurred within 20 business days after we hear from you. However, if needed, we may take up to 90 days to investigate your complaint or question. If we decide to do this, we will credit your account within 20 business days for the amount you think is in error so that you will have the use of the money while we complete our investigation.
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.

Disclosure of Account Information to Third Parties

We will disclose information to third parties about your account or the transfers you make only in the following situations:
  1. Where it is necessary for completing transfers
  2. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant
  3. In order to comply with a governmental agency or court orders
  4. If you give us your written permission
    Fees and Charges
    You will not be charged a fee for the use of the Service. For other charges applicable to your deposit account, refer to your product brochure.
Documentation of Transfers

You will get a monthly account statement. However, with respect to a savings account, if there are no electronic funds transfers in a particular month, you may not get a statement monthly but you will get a statement at least quarterly.

Limitations on Transfers

Federal regulations require limitations on the frequency of preauthorized and "telephone transfers" from savings accounts and money market deposit accounts. ("Telephone transfers" as used in this paragraph refers to transfers initiated through Online Banking, Online Bill-Pay, and those initiated by telephoning the Bank and instructing Bank personnel to transfer funds from your savings or money market deposit accounts.) Withdrawals are limited as follows on these accounts and are restricted to a total of six (6) per month: (i) third-party checks, drafts, or Online Bill-Pay transactions (of which there may be no more than three (3) per month); (ii) preauthorized transfers (through an automated clearing house or otherwise); (iii) telephone transfers (as described above) and (iv) wire transfers.

Business Days

Our business days are Monday through Friday. Holidays are not included.

Liability for Failure to Make Transfers

If we do not complete a transfer to or from your account on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages. However, there are some exceptions to this liability. For instance, we will not be liable in the following circumstances:
  1. If through no fault of ours, you do not have enough funds in your account to make the transfer, or the transfer would exceed the credit limit on any overdraft line associated with the account;
  2. The equipment or software used by the Bank to provide the Service was not working properly and you knew or were advised by the Bank about the malfunction before you executed the transaction;
  3. Circumstances beyond our control (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction despite the reasonable precautions we have taken;
  4. You have reported your Password as lost or stolen;
  5. Your Service has been cancelled;
  6. If the funds in your account are unavailable because of garnishment, levy, or other hold requirements imposed upon us by law or by a government agency or court orders.

Alterations and Amendments

The terms of this Agreement, applicable fees and service charges may be altered or amended by the Bank from time to time. In such event, the Bank will post the amended terms or conditions on the Frequently Asked Questions Screen on the Web Site. Any use of the Service after the Bank posts the change will constitute your agreement to such change(s). Further, the Bank may from time to time revise or update the programs, and/or related material which may render all such program versions obsolete. Consequently, the Bank reserves the right to terminate this Agreement as to all such prior versions of the Service, and/or related material and limit access to the Bank’s more recent revisions and updates of the Service.

Termination or Discontinuation

In the event you wish to discontinue the Service, you must contact the Bank in writing. Written notice of service discontinuance must be supplied ten (10) days prior to the actual discontinuation date and must be sent to:

Security Bank and Trust Company
Online Banking Service
P.O. Box 880 – 2 South Main Street
Miami, OK 74355-0880

The Bank may terminate use of the Service by any individual at any time. Neither termination nor discontinuation shall affect your liability or obligation under this Agreement.

Disputes Termination of this Agreement or any Internet Banking Service:

You are responsible for complying with all the terms of this Agreement and with all other terms and conditions governing your Online Accounts. We can terminate any or all of your electronic banking privileges under this Agreement without notice to you if:

1. You do not pay any fee required by this Agreement when due, or

2. You do not comply with the agreement governing your deposit or loan accounts or your accounts are not maintained in good standing, or

3. We believe that immediate termination of any or all of the Services is necessary to protect the security or integrity of the Bank’s system or your account(s), or

4. You have not accessed the Internet Banking Services for at least 90 days.

We can terminate this Agreement or your use of any Services under it for any other reason, provided we give you 10 days prior notice of our decision to do so.

You may also cancel the Internet Banking Services at any time. To cancel, you must notify the Bank and provide your name, address and the effective date to stop the Services. You may notify the Bank by:

1. Telephoning the Online Internet Banking Department at (918)542-6661 or (888) 330-6419 or by

2. Writing to us at:

Security Bank and Trust Company
Online Internet Banking Department
PO Box 880 - 2 South Main St.
Miami, OK 74355-0880

The Bank’s Business Days:

The Bank’s business days are Monday through Friday, excluding weekends and federal bank holidays.


This Agreement may be amended from time to time by the Bank or by mutual agreement of you and the Bank. The Bank shall give you notice of any amendment made by the Bank unilaterally, which notice may be provided electronically or in writing. Any amendment agreed to by the Bank and the Customer shall be expressed in a written agreement signed or otherwise acknowledged by both parties.
In the event of a dispute regarding the Service, you and the Bank agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and the Bank which supercedes any prior agreement, oral or written, and any other communications between you and the Bank relating to the subject matter of this Agreement, except to the extent that this Agreement may be subsequently modified by the Bank posting additional terms and conditions on the Web Site as described under the Alterations and Amendments section of this Agreement above. If there is a conflict between what a Bank employee says and the terms of this Agreement, the terms of this Agreement shall control.


You may not assign this Agreement to any other party. The Bank may assign this Agreement at any time to an affiliated company. The Bank may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

No Waiver

The Bank shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the Bank. No delay or omission on the part of the Bank in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.


The captions of Sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions for this Agreement.

Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of Oklahoma, without regard to its conflicts of law provisions.