Online Banking Agreement

You may agree to the terms and enter the Citizens Online Connection by clicking "ACCEPT" at the bottom of this page or "DECLINE" if you do not accept the terms of this agreement and do not wish to use Citizens Online Connection.  

Browser Security Requirements:  (View our list of supported browsers to see if your version is on the list) Citizens Online Connection uses 128-bit strong encryption to ensure your account information remains safe and confidential while traveling over the Internet. You will need a 128-bit strong encryption web browser to access Citizens Online Connection. To learn your browser's current encryption level, please do the following:

Microsoft Internet Explorer users: In Internet Explorer, click the "Help" menu and select "About Internet Explorer." Look at the "Cipher Strength." If the Cipher Strength is anything lower than 128-bit, you'll need to upgrade your browser before using Citizens Online Connection.

If you need to upgrade your browser, we recommend the 128-bit strong encryption version of Microsoft Internet Explorer 9.0 or above.

The Service

Citizens Bank & Trust Company, Ardmore, Oklahoma ("BANK"), agrees to provide internet banking services (“Citizens Online Connection”) as described from time to time in information distributed by BANK to its customers. In the agreement, "Customer" refers to the person(s) subscribing to or using Citizens Online Connection.  You may use a Personal Computer ("PC"), an Internet connection, an access ID and password to obtain account balances and transaction information. You may also use your PC to obtain statements on your accounts (eSTATEMENT REQUIREMENTS AND AGREEMENT), transfer money between your accounts, issue stop payment orders on outstanding checks and pay bills directly from your checking account in the amounts and on the day you request.  Transfers from your Money Market account to another account or to third parties by pre-authorized, automatic, telephone, or through electronic bill payment are limited to six per statement cycle. Transfers from a savings account to another account or to third parties by pre-authorized, automatic, telephone, or through electronic bill payment are limited to six per month with no transfers by check, debit card, or similar order to third parties.  Bill payment requests must be submitted at least seven (7) to ten (10) business days before the date to be paid.


Your Access ID and PIN

Each individual who has access to Citizens Online Connection, including each individual named on joint accounts, must designate an access ID and password. Your access ID must be a minimum of 6 characters and a maximum of 10 characters.  Your password must be a minimum of 8 characters, up to a maximum of 10 characters.  When you log-in to the system as a First Time Customer, you must use your Citizens Connection the 24 Hour Information Phone Line, assigned password.  You will be prompted to change your password; however, this will not change your Citizens Connection password.  Call us at 580/226-4610 if you do not know your Citizens Connection password.  You should change your password periodically to enhance security.  You can also change your Citizens Connection password through the Citizens Connection system if you want your passwords to be the same.  We reserve the right to require periodic password changes and establish limits on re-use of passwords.

To guard against unauthorized use of your access ID and password, Citizens Online Connection disables the password on the third incorrect attempt to log-in.  The disabling of the password keeps an unauthorized agent from attempting to guess a password.  This will occur if you accidentally activate this security feature by unintentionally miss-keying a password three times.  You will need to call the bank to reestablish the password for your account(s).  A common mistake made by users is having the caps-lock on while keying in an access ID or password.  Since the access ID and password are case sensitive and you cannot actually see the password characters you are typing, it is easy to think you are typing the password correctly.

Delivery of Your Transfers

You may schedule transfers to be initiated on the current business day, on a future date, or on the same date of each month, subject to the restrictions in agreements between you and the BANK. Although you can enter transfer information through Citizens Online Connection twenty-four (24) hours a day, seven (7) days a week, transfers can be initiated only on business days. Funds will be deducted from your account on the business day on which a transfer is to be "initiated." This date is referred to in this Agreement as the "Transaction Date." If you direct the initiation of a transfer to occur on a day other than a business day, it will be initiated on the following business day. Transfers must be scheduled by the normal cut-off time of 6:00 p.m. (CST) on any business day in order for the transaction to be completed on that business day.

Recurring Transfers

Recurring transfers are those made for the same amount and are made on a weekly, bi-monthly, monthly basis, etc. Once started, recurring transfers will be made automatically until you tell us to stop or cancel the transfers and we have a reasonable opportunity to act on your request.

Our Liability of Failure to Complete Transactions

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 if it is our responsibility. However, there are some exceptions. We will not be liable, for instance:

  1. If, through no fault of ours, you do not have enough money in your account to make a transfer or bill payment.
  2. If you have an overdraft line and the transfer or bill payment would go over the credit limit.
  3. If the automated teller machine where you are making the transfer does not have enough cash.
  4. If the terminal or system was not working properly and you knew about the breakdown when you started the transfer or bill payment.
  5. If circumstances, beyond our control (such as fire or flood) prevent the transfer or bill payment, despite reasonable precautions that we have taken.
  6. If the money in your account is subject to legal process or other encumbrances restricting transfer.
  7. If you have not provided us with complete and correct information, including without limitation, the name, United States address, and payment amount for the payee on a bill payment.  Bill payments are limited to within the United States.
  8. For any other loss which is your fault or responsibility and not our fault or responsibility.


All payments, transfers, and or/fees made with Citizens Online Connection will appear on your monthly Account statement. The Payee name, payment amount, and the date of the transfer will be shown for each transfer made through Citizens Online Connection during that month.

If you have arranged to have direct deposits made into your account at least once every 60 days from the same person or company, you can call our Citizens Connection service or use Citizens Online Connection to find out whether or not the deposit has been made.

Citizens Connection number: 877/223-6250

Fees and Charges  
You agree to pay Bank for Citizens Online Connection in accordance with Bank's fee schedule, which are: 

Citizens Online Connection Account Access $   .00
Citizens Online Connection Bill Payment Access                No charge with unlimited transactions
Citizens Online Connection Bill Payment Photocopy $ 5.00
Citizens Online Connection Bill Payment Re-Issued Check $25.00

Bank may modify its fee schedule at any time upon 30 days prior written notice to you. You are also responsible for any telephone tolls and charges (including long distance charges, if any), which you incur by accessing your accounts utilizing Citizens Online Connection and other related fees.


You are solely responsible for the equipment (including, in the case of Citizens Online Connection, your personal computer and software) you use to access Citizens Online Connection. We are not responsible for errors or delays or your inability to access Citizens Online Connection caused by your equipment. We are not responsible for the cost of upgrading equipment to stay current with Citizens Online Connection nor are we responsible, under any circumstances, for any damage to your equipment or the data resident thereon.

Business Days/Hours of Accessibility

Unless otherwise defined by this Agreement or in an Exhibit, a Business Day is any day that Bank is operating and open for business. Saturdays, Sundays and selected Federal holidays will not be considered Business Days. You should contact Bank to inquire if a given Federal holiday is determined by Bank to be a Business Day. All transactions, deposits, instructions and entries received by Bank on a day that is not a Business Day will be treated as if received on the next Business Day. Contact us for information regarding Bank's normal business hours or visit our web site for hours of operation.

You can usually access your Accounts through Citizens Online Connection seven (7) days a week, 24 hours a day. However, at certain times, some or all of Citizens Online Connection may not be available due to system maintenance or reasons beyond Bank's control. Bank specifically does not warrant that Citizens Online Connection will be available at all times. During those times when Citizens Online Connection is not available, you may use touch-tone telephone service, any TransFund or participating ATM network, or a Bank branch to conduct your transactions (assuming you have applied for and been accepted to utilize such telephone and ATM services). A transfer, other than a wire transfer, initiated through Citizens Online Connection before 6 p.m. (Central Time) on a Business Day will be posted to your account the same day. All transfers completed on a Saturday, Sunday or banking holiday or after 6 p.m. (Central Time) on a Business Day will be posted on the next Business Day.

Notice of Your Rights and Liabilities

Security of your transactions is important to us. Use of Citizens Online Connection therefore requires an access ID and password. If you lose or forget your access ID or password, please call Customer Service during the normal business hours listed below.

Customer Service Number: 580/226-4610

We may accept as authentic any instructions given to us through the use of your access ID or password. You agree to keep your access ID and password secret and to notify us immediately if your access ID or password is lost or stolen or if you believe someone else has discovered your access ID or password. You agree that if you give your password to someone else, you are authorizing them to act on your behalf, and we may accept any instructions they give us to make transfers or otherwise use Citizens Online Connection. Do not discuss, compare, or share information about your account number(s), Access ID, or Password, with anyone unless you are willing to give him or her full use of your money. If you furnish your password and grant actual authority to make transfers to another person (a family member or coworker, for example) who then exceeds that authority, you are liable for the transfers unless we have been notified that transfers by that person are no longer authorized and we have sufficient time to act on your instructions. Citizens Online Connection enables you to change your password; we require that you do so regularly. We may be liable for certain security breaches to the extent required by applicable law and regulation.

We do not assume any other liability or otherwise guarantee the security of information in transit to or from our facilities.  Please note that we reserve the right to but are not obligated to (1) monitor and/or record all communications and activity related to Citizens Online Connection; and (2) require verification of all requested transfers in the manner we deem appropriate before making the transfer (which may include written verification by you). You agree that our records will be final and conclusive as to all questions concerning whether or not your access ID or password was used in connection with a particular transaction. If any unauthorized use of your access ID or password occurs you agree to (1) cooperate with us and appropriate law enforcement authorities in identifying and prosecuting the perpetrator; and (2) provide reasonable assistance requested by us in recovering any unauthorized transfer of funds. WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN ACCESS IDs OR PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL.

Tell us AT ONCE if you believe your access ID or password has been lost, stolen, or compromised in any way. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days, you can lose no more than $50. If you do NOT tell us within 2 business days after you learn of the loss or theft of your access ID or password, and we can prove that we could have stopped someone from using your access ID or password without your permission, if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods for a reasonable period of time.   If you believe your access ID or password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed below. 

Errors and Questions

In Case of Errors or Questions About your Electronic Transfers or Bill Payments, Call or Write us at the telephone or address listed below, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer or bill payment listed on the statement or receipt. We must hear form you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
Tell us your name and account number.
Describe the error, transfer or bill payment you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error.

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 (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer or bill payment 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 (20 business days if the transfer involved a new account) 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. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before the account is opened.

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.


Business Days: Monday through Friday, 9:00 a.m. to 5:00 p.m.
Excluding Federal Holidays
Phone: (580) 226-4610

Disclosure Information to Third Parties of Account

We will disclose information to third parties about your account or the transactions you make:

  1. where it is necessary for completing transfers, bill payments; or
  2. in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
  3. in order to comply with government agency or court orders; or
  4. to our employees, service providers, auditors, collection agents, affiliated companies, or attorneys in the course of their duties and to the extent allowed by law; or
  5. if you give us written permission.

Authorization to Obtain Information

You agree that we may verify credit and employment history by any necessary means, including preparation of a credit report by a credit reporting agency.  


If you want to terminate your access to Citizens Online Connection, please call Customer Service. After receipt of your call, we will send a written termination authorization for your signature and return to us. We reserve the right to terminate Citizens Online Connection, in whole or in part, at any time with or without cause and without prior written notice. In that event, or in the event that you give us a termination notice, we may (but are not obligated) to immediately discontinue making previously authorized transfers, including recurring transfers and other transfers that were previously authorized but not yet made. We also reserve the right to temporarily suspend Citizens Online Connection in situations deemed appropriate by us, in our sole and absolute discretion, including when we believe a breach of the system security has occurred or is being attempted. We may consider repeated incorrect attempts to enter your access ID or password as an indication of an attempted security breach. Termination of Citizens Online Connection does not affect your obligations under this Agreement with respect to occurrences before termination or cooperation after termination.  

Limitation of Liability

Except as otherwise provided in this Agreement or by law, we are not responsible for any loss, injury, or damage, whether direct, indirect, special or consequential, caused by Citizens Online Connection or the use thereof or arising in any way out of the installation, operation, or maintenance of your PC equipment.


You may not transfer or assign your rights or duties under this Agreement.

Governing Law

The laws of the state of Oklahoma shall govern this Agreement and all transactions hereunder, without giving effect to any conflict of laws rule or principle that might result in the application of the laws of another jurisdiction. Customer acknowledges that he/she has reviewed this Customer Agreement, understands the terms and conditions set forth herein, and agrees to be bound hereby.


We can change a term or condition of this Agreement by mailing or delivering to you a written notice at least thirty (30) days before the effective date of any such change. We do not need to provide you with any prior notice where an immediate change in the terms or conditions of this Agreement is necessary to maintain and restore the security of our system or an account. However, even in these cases, if the change is to be made permanent, we will provide you with a notice of the change with the next regularly scheduled periodic statement that we send you, or within thirty (30) days, unless disclosure would jeopardize the security of our system or an account. Notices mailed or delivered to you under this paragraph will be considered effective if mailed to the most recent address we show for you in either or Checking or Savings Accounts records, or e-mail address in which you authorized the BANK to send such notices and/or disclosures.


Customer, in consideration of being allowed access to Citizens Online Connection, agrees to indemnify and hold the BANK harmless for any losses or damages to the BANK resulting from the use of Citizens Online Connection, to the extent allowed by applicable law.

Security Procedures

By accessing Citizens Online Connection, you hereby acknowledge that you will be entering a protected web site owned by the BANK, which may be used only for authorized purposes. Any unauthorized use may be a violation of state and or federal law and will be prosecuted to the fullest extent allowed by law.  The BANK may monitor and audit usage of the System, and all persons are hereby notified that use of Citizens Online Connection constitutes and are subject to prosecution under the Computer Fraud and Abuse Act of 1986.

Accept              Decline

 Citizens Bank & Trust Company Ardmore, OK. Member FDIC