Telephone Banking Service. Our Telephone Banking service allows you to obtain information about your checking and savings accounts with us and, with authorization, to order the transfer of funds between your checking and savings accounts with us using a touch-tone telephone or as we otherwise permit. You may be required to complete our Telephone Banking Agreement form before we will provide the transfer service. Transfers between accounts are only processed on our Business Days. Transfer orders received on a Business Day during normal business hours and before our cut-off hour are usually processed at or about the time of the receipt of the order. Transfer orders received after our cut-off hour on any Business Day or on a day that is not a Business Day for us will be processed on our next Business Day. You may use our Telephone Banking transfer service 24 hours a day, seven (7) days a week. We may restrict transfers between accounts to the amount of collected funds in the account. For more information, refer to our Fee Schedule. We may provide you with a security code that may be required to conduct a transaction through our Telephone Banking service. That security code must be safeguarded as you would safeguard a PIN. You may change the security code we provide you at any time using our Telephone Banking service. CNB VISA CHECK CARD AND CNB ATM CARD CNB VISA CHECK CARD TRANSACTIONS AND CNB ATM CARD TRANSACTIONS You may use your CNB Visa Check Card ("Check Card") as a debit card to pay for transactions at merchants participating in the networks identified on your card. You may also use your Check Card as an automated teller machine ("ATM") card to perform transactions at CNB ATMs and certain other ATMs in the networks identified on your card. Access to savings accounts is available through an ATM. You may use your CNB ATM Card ("ATM Card") to perform transactions at CNB ATMs and certain other ATMs participating in the networks identified on your card. You may also use your ATM Card to pay for PIN-based purchase transactions at merchants participating in the networks identified on your card. Your Check Card and your ATM Card remain our property and must be returned to us upon request. You must sign your Check Card and your ATM Card upon receipt. Retention of, signature on or use of either card constitutes your agreement to comply with the terms and conditions set out in this Agreement and as they may be amended or otherwise changed by us from time to time. We reserve the right to terminate your use of your Check Card or your ATM Card at any time with or without cause and without prior notice to you. Your Check Card or your ATM Card must be linked to a Designated Account. We may deduct from the Designated Account the amount of any transaction originated by use of either card as well as the amount of any fee or charge assessed by us or by others for use of either card. Your account and transactions conducted using either your Check Card or ATM Card are subject to our applicable Fee Schedule and the terms and conditions in this Agreement. To request a copy of the applicable Fee Schedule, contact your Relationship Manager or Client Representative at your branch. Your Personal Identification Number (" PIN") and Security Code A PIN is provided at the time you first receive your card to conduct a PIN transaction using your Check Card or ATM Card. You may change the PIN at any time and we encourage you to do so. It is your responsibility to keep your PIN secure. You agree not to write your PIN on your Check Card or ATM Card or anything you carry with or near your card. You agree not to tell anyone else your PIN. You agree not to let anyone else use your Check Card or ATM Card. You agree not to allow anyone to see you entering your PIN in any machine. If you do any of the foregoing, a person conducting a transaction on your account, using your PIN, may be deemed authorized to do so by you. Overdrafts Using Your Card You shall maintain sufficient collected funds or available overdraft protection in your Designated Account at all times. The amount of funds shall be sufficient to allow us to deduct from the account or hold in the account the transaction amount when we are notified of a transaction or when a transaction is presented or charged. CNB does not offer overdraft coverage for consumer Check Card or ATM transactions. If you do not have sufficient collected funds or available overdraft protection in your account at the time you request the transaction, the transaction may be rejected. If an overdraft occurs in your account by use of your Check Card or ATM Card, you must repay the overdraft at once. CNB will not charge an overdraft fee for an overdraft resulting solely from a Check Card or ATM Card transaction; however, a continuous overdraft fee may be assessed. Refer to our Fee Schedule. You acknowledge that neither your Check Card nor your ATM Card is a credit card and neither card automatically provides credit or overdraft protection. You must apply separately for a credit line or for overdraft protection for your account. Disputes with Merchants Regarding Goods and Services You are responsible to settle directly with the merchant or other business establishment that accepted your Check Card or ATM Card any claim or defense with respect to goods or services purchased with your card. Any such claim or defense that you assert will not relieve you of your obligation to pay the total amount of the transaction plus any appropriate charges we may be authorized to make. We are not responsible for any damages or liability if a merchant misrepresents the quality, price or warranty of goods or services you pay for by using your Check Card or ATM Card.
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Telephone Banking Service. Our Telephone Banking service allows you to obtain information about your checking and savings accounts with us and, with authorization, to order the transfer of funds between your checking and savings accounts with us using a touch-tone telephone or as we otherwise permit. You may be required to complete our Telephone Banking Agreement form before we will provide the transfer service. Transfers between accounts are only processed on our Business Days. Transfer orders received on a Business Day during normal business hours and before our cut-off hour are usually processed at or about the time of the receipt of the order. Transfer orders received after our cut-off hour on any Business Day or on a day that is not a Business Day for us will be processed on our next Business Day. You may use our Telephone Banking transfer service 24 hours a day, seven (7) days a week. We may restrict transfers between accounts to the amount of collected funds in the account. For more information, refer to our Fee Schedule. We may provide you with a security code that may be required to conduct a transaction through our Telephone Banking service. That security code must be safeguarded as you would safeguard a PIN. You may change the security code we provide you at any time using our Telephone Banking service. CNB VISA CHECK CARD AND CNB ATM CARD CNB VISA CHECK CARD TRANSACTIONS AND CNB ATM CARD TRANSACTIONS You may use your CNB Visa Check Card ("Check Card") as a debit card to pay for transactions at merchants participating in the networks identified on your card. You may also use your Check Card as an automated teller machine ("ATM") card to perform transactions at CNB ATMs and certain other ATMs in the networks identified on your card. Access to savings accounts is available through an ATM. You may use your CNB ATM Card ("ATM Card") to perform transactions at CNB ATMs and certain other ATMs participating in the networks identified on your card. You may also use your ATM Card to pay for PIN-based purchase transactions at merchants participating in the networks identified on your card. Your Check Card and your ATM Card remain our property and must be returned to us upon request. You must sign your Check Card and your ATM Card upon receipt. Retention of, signature on or use of either card constitutes your agreement to comply with the terms and conditions set out in this Agreement and as they may be amended or otherwise changed by us from time to time. We reserve the right to terminate your use of your Check Card or your ATM Card at any time with or without cause and without prior notice to you. Your Check Card or your ATM Card must be linked to a Designated Account. We may deduct from the Designated Account the amount of any transaction originated by use of either card as well as the amount of any fee or charge assessed by us or by others for use of either card. Your account and transactions conducted using either your Check Card or ATM Card are subject to our applicable Fee Schedule and the terms and conditions in this Agreement. To request a copy of the applicable Fee Schedule, contact your Relationship Manager or Client Representative at your branch. Your Personal Identification Number (" PIN") and Security Code A PIN is provided at the time you first receive your card to conduct a PIN transaction using your Check Card or ATM Card. You may change the PIN at any time and we encourage you to do so. It is your responsibility to keep your PIN secure. You agree not to write your PIN on your Check Card or ATM Card or anything you carry with or near your card. You agree not to tell anyone else your PIN. You agree not to let anyone else use your Check Card or ATM Card. You agree not to allow anyone to see you entering your PIN in any machine. If you do any of the foregoing, a person conducting a transaction on your account, using your PIN, may be deemed authorized to do so by you. Overdrafts Using Your Card You shall maintain sufficient collected funds or available overdraft protection in your Designated Account at all times. The amount of funds shall be sufficient to allow us to deduct from the account or hold in the account the transaction amount when we are notified of a transaction or when a transaction is presented or charged. CNB does not offer overdraft coverage for consumer Check Card or ATM transactions. If you do not have sufficient collected funds or available overdraft protection in your account at the time you request the transaction, the transaction may be rejected. If an overdraft occurs in your account by use of your Check Card or ATM Card, you must repay the overdraft at once. CNB will not charge an overdraft fee for an overdraft resulting solely from a Check Card or ATM Card transaction; however, a continuous overdraft fee may be assessed. Refer to our Fee Schedule. You acknowledge that neither your Check Card nor your ATM Card is a credit card and neither card automatically provides credit or overdraft protection. You must apply separately for a credit line or for overdraft protection for your account. Disputes with Merchants Regarding Goods and Services You are responsible to settle directly with the merchant or other business establishment that accepted your Check Card or ATM Card any claim or defense with respect to goods or services purchased with your card. Any such claim or defense that you assert will not relieve you of your obligation to pay the total amount of the transaction plus any appropriate charges we may be authorized to make. We are not responsible for any damages or liability if a merchant misrepresents the quality, price or warranty of goods or services you pay for by using your Check Card or ATM Card.
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