Online Banking

Retail Customer Agreement

This Agreement covers the use of Iron Workers Internet Banking Services with consumer accounts established primarily for personal, family or household purposes. Banking Services are provided by us as stated herein and in our Disclosure Statement. By using Iron Workers Internet Banking Services you agree to the terms and conditions of this Agreement and in the Disclosure statement. If there are any inconsistencies between the terms and conditions of this Agreement and in Disclosure Statement, the provisions in the Disclosure Statement will control.

Equipment and Software Required

To access Iron Workers Internet Banking Website you must have a computer capable of accessing the Internet, Internet browser software and an Internet connection provided by a third party Internet Service Provider (ISP), such as AOL or ATT Worldnet. If necessary, you are responsible to upgrade, at your expense, your own equipment and software in order to continue to access the Iron Workers Website. WE DO NOT PROVIDE SUPPORT FOR YOUR EQUIPMENT AND SOFTWARE. WE ARE NOT RESPONSIBLE FOR DEFECTS IN, OR MALFUNCTIONS OF, YOUR EQUIPMENT AND SOFTWARE. WE ARE NOT IN ANY WAY RESPONSIBLE FOR PROBLEMS WITH YOUR INTERNET CONNECTION.
ACCOUNT ACCESS

To access Iron Workers Internet Banking Services, you must maintain a checking account with us. If you have more than one account with us, or maintain other banking relationships with us, upon your request, we will link the relationships together with your primary checking account. Accounts which can be linked must be individually owned or have common ownership where withdrawals, transfers and other transactions can be authorized by one signature only. Any personal account that requires two or more signatures to make withdrawals, transfers or other transactions, is not eligible for transaction purposes, but is eligible for viewing.

Accounts and Services

You authorize us to debit or credit your retail account(s) in accordance with the transactions conducted using the Iron Workers Internet Banking services.

Account Rules and Regulations

For each retail account you access through the Iron Workers Website, you agree that the rules and regulations of the Bank for each account apply with respect to your use of Iron Workers Internet Banking Services.

Use of the Access ID and Password

The “Access ID” and “Password” used with the Iron Workers Internet Banking services acts as the signature of the account owner, identifies the user of the Iron Workers Internet Banking services as an individual who is authorized to conduct transactions from the account and validates the directions given. Your password is an identification code that is private and confidential.

The use of the “Access ID” and “Password” with the Iron Workers Internet Banking Services is a security method by which we help you maintain the security of your retail account(s) accessed through the Iron Workers Website. For these reasons, YOU AGREE TO TAKE ALL REASONABLE PRECAUTIONS TO PREVENT ANY UNAUTHORIZED PARTY FROM LEARNING AND/OR USING YOUR ACCESS ID AND/OR PASSWORD. We reserve the right to block access to our Website if we reasonably believe your Access Code or Password have been or may be obtained or are being used or may be used by an unauthorized person(s). YOU AGREE IF YOU INTENTIONALLY OR NEGLIGENTLY DISCLOSE YOUR ACCESS ID AND/OR PASSWORD TO SOMEONE ELSE THAT YOU ARE AUTHORIZING THEM TO ACT ON YOUR BEHALF AND THAT YOU ARE RESPONSIBLE FOR ALL TRANSACTIONS MADE BY THEM THROUGH THE IRON WORKERS WEBSITE.

Amendment of this Agreement

We may change the terms and conditions of this Agreement at any time, and will notify you of the changes as required by law. Your use of Iron Workers Internet Banking Services after the effective date of the change will constitute your acceptance of and agreement to the change.

Risk of Loss For Erroneous Data Entry

YOU ARE RESPONSIBLE FOR ENTERING CORRECT DATA AND INFORMATION INTO THE SYSTEM. IF YOU ENTER INCORRECT OR INSUFFICIENT DATA OR INFORMATION DURING ANY REQUEST FOR AN INTERNET TRANSACTION, YOU ARE SOLELY RESPONSIBLE FOR YOUR OWN LOSSES AND DAMAGES.
CHANGES/INTERRUPTIONS IN SERVICE.

We may on a regular basis perform maintenance on our equipment or system, which may result in interrupted Service or other problems with Service. We also may need to change the Services we provide from time to time. We will attempt to provide prior notice of such interruptions and changes but cannot guarantee that such notice will be provided.

Harm Caused by Intentional Acts of Third Parties

You agree that our liability for viruses, worms, trojan horses, or other similarly harmful components that may enter your computer system by downloading information, software, or other materials from our Website shall be limited to replacing, or the reasonable cost of replacing, the lost information, software or other material. WE WILL NOT BE RESPONSIBLE OR LIABLE FOR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES RESULTING FROM INTENTIONAL ACTS OF THIRD PARTIES.
PERFORMANCE OF IRON WORKERS INTERNET BANKING SERVICES WEBSITE.

WE MAKE NO WARRANTY TO YOU REGARDING THE PERFORMANCE OF OUR WEBSITE, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR PARTICULAR PURPOSE. WE ARE NOT LIABLE TO YOU FOR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE, MISUSE OR INABILITY TO USE THE SERVICES, OR FOR ANY LOSS OF ANY DATA, EVEN IF WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGES.

Sharing Information/Privacy

Information regarding customer privacy can be found in Iron Workers Privacy Statement.

Ownership of Materials

The content and information on our Website is copyrighted by Iron Workers Bank and the unauthorized reproduction or distribution of any portions is prohibited.

Severability

If any provision of this Agreement is void or unenforceable in any jurisdiction, such ineffectiveness or unenforceability shall not affect the validity or enforceability of such provision in another jurisdiction or any other provision in that or any other jurisdiction.

Arbitration of Disputes

If either you or we have any irresolvable dispute or claim concerning this Agreement, including the Disclosure Statement, it will be decided by binding arbitration under the expedited procedures of the Commercial Financial Disputes Arbitration Rules of the American Arbitration Association (AAA) and Title 9 of the US Code. Unless otherwise agreed, arbitration hearings will be held in Media, Pennsylvania. A single arbitrator will be appointed by the AAA to decide the dispute or claim. The arbitrator will be a retired judge or attorney with experience or knowledge in banking transactions. No arbitrator’s fees shall be awarded against the prevailing party. Any court having jurisdiction over the party who has not prevailed may enter a judgment on the award of the arbitrator. CLASS ACTION ARBITRATION IS NOT PERMITTED OR AUTHORIZED UNDER THIS PROVISION.

No Signature Required

When any payment or other online service generates an item properly chargeable to your account, you agree that we may debit either a designated retail account or the account on which the item is drawn without requiring your signature on the item, and without prior notice to you.

Waiver Not Effective Unless in Writing

We may waive any term or provision of this Agreement only in writing. Any such waiver shall not be deemed a waiver of our right to enforce the term or condition other than as expressly stated in the waiver.

Assignment

We may assign rights and delegate duties under this Agreement to a company affiliated with us or to any other party without prior notice and without your consent.

Termination

Either you or we may terminate this agreement and any service provided hereunder at any time upon giving at least ten (10) business days prior written notice of termination to the other party. If you terminate, you authorize us to continue making fund transfers, Bill Payments or other transactions you have previously authorized until we have a reasonable opportunity to act upon your termination notice. Once we have acted upon your termination notice, we will make no further transfers, payments or other transactions from your Eligible account, including any fund transfers, Bill Payments or transactions you have previously authorized. We reserve the right to terminate or to discontinue support of any software or equipment without written notice.

Governing Law

These terms and conditions of this Agreement shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, and Federal Law, if applicable.

Entire Agreement

This Agreement is the entire agreement between you and IRON WORKERS BANK and supersedes any marketing or other similar material pertaining to our Internet Banking Services delivered to you in writing, verbally or obtained at our Website.

Going Out of the Country?

Please contact your Branch if you will be visiting another country to enable your ATM/Debit card to have access to your account.

Branch Locations