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Important Information about Impact Bank Online Banking

Before continuing your enrollment, please read through the following disclosures, which provide important information regarding Impact Bank Online Banking, then click "I Agree.

USA Patriot Act

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means to you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying information.

Impact Bank Online Banking Agreement

This Impact Bank Online Banking Agreement ("Agreement") sets forth the terms and conditions for your use of Impact Bank Online Banking. By using the Impact Bank Online Banking Service ("Online Banking") you agree to the terms and conditions set forth herein. Please read this Agreement carefully and keep a copy for your records.Definitions:

As used in this Agreement the following terms have the following meanings:

  • "Account" means any checking, savings, time deposit, IRA, credit card or loan account on which you are an owner and any account which is included in your Account Summary.
  • "Business" means a customer who is an entity enrolling accounts which are used for a business purpose and not for personal, family or household purposes.
  • "Business Day" means Monday through Friday, excluding Federal holidays.
  • "Business Day Cutoff" means 3:30 P.M. Central Time Monday – Friday on any Business Day.
  • "Consumer" means a customer who is a natural person enrolling accounts which are used primarily for personal, family or household purposes.
  • "Transfer Instructions" means the information provided by you for a transfer of funds between two or more Accounts.

Online Banking Service:

In order for you to use Online Banking, you must be the owner of at least one Account (checking, savings, time deposit, IRA, credit card or loan) with Impact Bank ("Bank"). You must provide a valid email address to the Bank. It is your responsibility to notify the Bank of any and all changes to your email address. The Bank accepts no responsibility or liability for the consequences of your failure to notify the Bank of all changes to your email address.

Online Banking consists of access to:

  • Account Summaries
  • Account Inquiries and Balances
  • Historical information for up to 60 days
  • Transaction Downloads
  • Account Transfers
  • Detailed Transaction Views
  • Account Statement Downloads

Account Ownership:

When you enroll in Online Banking all of the Accounts on which you are an owner will be automatically placed in your Account Summary. You may request the Bank to remove any of these Accounts from Online Banking. If you are not the owner of an account but are an agent or signer on the account you may request the Bank add the account to your Account Summary. It is the Bank's sole discretion whether to add the requested non-owner account to your account Summary. The addition of one non-owner account to your Account Summary does not obligate the Bank to add any other non-owner accounts to your Account Summary. The Bank may remove non-owner accounts from your Account Summary at any time without prior notice to you. Determination of ownership of an account at any specific time shall be based on the information reflected in the current records maintained by the Bank.

Multiple Owners/Signers:

If you are a Consumer and you own an Account (or Accounts) with one or more other people, the Bank may act on the verbal, written or electronic direction of any one owner for that jointly owned Account. Each owner who enrolls the account in Online Banking will receive a separate User ID and Password.

If you are a Business, the Bank may act on the verbal, written or electronic directions of any one person authorized by the signature card on file regarding the enrollment in Online Banking. Only one User ID and Password will be issued to you regardless of the number of signers authorized on your Accounts. Any person who has the User ID and Password (whether authorized or not) will have access to view Account balances, Account transactions, stop payment on funds, transfer funds and access other information available from all Accounts enrolled in Online Banking regardless of whether they had such access to all of the Accounts previously.

Any Account, which requires two or more signatures to withdraw or transfer funds, may not be enrolled in Online Banking. You agree not to change the Account documentation to require two or more signatures until you have first notified the Bank to terminate the Account on Online Banking and the Bank has had reasonable opportunity to act on your request. You release the Bank from liability for any action taken on an Account by any one person authorized to act as a signer on the Account even though that person's authority to act on the Account by other means (e.g., by check) must be exercised jointly with one or more other persons.

If you are a business and an authorized signer takes action on your Account which has not been properly authorized or is outside of the authorized signer's scope of authority, you assume the entire risk of loss and hold the Bank, its directors, officers, employees and agents, harmless from all loss, liability, claims, demands, judgments or expenses arising out of or in any way connected with such use.

Transfers:

To make transfers between Accounts you must maintain at least two deposit Accounts with the Bank. Not all Accounts are eligible to be used for transfers. The Bank reserves the right to limit transfer eligibility to certain types of Accounts and to change eligibility requirements from time to time.

You authorize the Bank to transfer all funds as you instruct through Online Banking. You may not cancel or stop a transfer of funds once you have entered the Transfer Instruction. If the Transfer Instruction is submitted after 10:00 P.M. Central Time, funds from the transfer may not be available until the next Business Day.

You agree you will instruct the Bank to make a transfer only when a sufficient balance is or will be available in your Account at the time of the transfer (including any overdraft protection plan which may be connected to the Account). If you do not have a sufficient balance, including available funds or credit under any overdraft protection plan, you agree the Bank may, at its sole discretion, follow your Transfer Instructions even though a debit to your Account may result in or increase an overdraft. Whether or not the Bank honors your Transfer Instruction, the Bank reserves the right to impose a non-sufficient funds or overdraft fee. The Bank is under no obligation to notify you if a transfer is not completed because there are non-sufficient funds in your Account (including any available funds or credit under any overdraft protection plan) to process the transaction. You shall remain responsible to the Bank for all overdraft and related fees imposed upon your Account.

Any transfer made from any of your savings or money market Accounts is a restricted transfer subject to federal regulations. You may make up to six (6) preauthorized or automatic transfers per monthly statement cycle (of which only three (3) may be by check or draft). Each online transfer using a savings or money market Account is considered a preauthorized or automatic transfer.

Stop Pay:

Your request through Online Banking to stop payment of a check drawn on your Account is subject to the terms and conditions of stop payments. You may not request through Online Banking the stop payment of an electronic item (such as an ACH) or a check which has been made into an electronic item (such as an electronically recleared check). Stop payment on electronic items may be requested by contacting Customer Service or any Impact Bank location. A fee may be charged to place a stop payment.

Responsibility for User ID and Password:

It is your responsibility to maintain control and safeguard your User ID and Password. You are solely responsible for all actions taken and instructions given which are authorized by the use of your User ID and Password regardless of who is actually acting or making the requests. You agree to periodically change your Password. In addition, you agree to change your Password upon request by the Bank. If you discover your User ID or Password has been stolen, you agree to notify the Bank immediately.

Changes to Agreement:

This Agreement may be revised at any time, effective upon posting the revised Agreement on this Internet Site. Continued use of Online Banking after posting of a revised Agreement will constitute acceptance of the revised terms and conditions in the Agreement.

Failure of Online Banking Service:

The Bank accepts no responsibility or liability for any failure of Online Banking to perform as a result of, but not limited to, communications failure, energy shortage, act of God, war, riot, fire, civil commotion, terrorist attack, severe or adverse weather conditions or other causes beyond the Bank's control.

Discontinuation or Termination of Online Banking Service:

In the event you wish to discontinue using Online Banking, please provide written notice to Impact Bank Internet Support, P.O. Box 398, Wellington, Kansas 67152. The Bank will then cancel your User ID and Password. Once the Bank has acted on your discontinuation notice, you will no longer be able to access Online Banking without completing the Enrollment process again.

The Bank may terminate your use of Online Banking at any time for any reason without prior notice. The Bank reserves the right to cancel this Service to all customers, without prior notice.

Governing Law

This Agreement shall be governed by and construed in accordance with the law of the state of Kansas without regard to principles of conflicts of laws.

THE FOREGOING SHALL CONSTITUTE THE BANK'S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. BANK DOES NOT PROVIDE WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR OTHERWISE. IN NO EVENT SHALL THE BANK BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES INCLUDING, BUT NOT LIMITED TO, LOST PROFITS (EVEN IF ADVISED OF THE POSSIBLITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE OR MAINTENANCE OF YOUR EQUIPMENT AND / OR THE ONLINE BANKING SERVICE.

(01/06)

Impact Bank Privacy Policy

This notice contains important information about Impact Bank's policies and practices regarding the collection, use, retention, and security of nonpublic personal information concerning those customers who obtain a financial product or service from us that is to be used primarily for personal, family or household purposes.

This privacy notice is provided to you as required by Federal law. It simply documents for you our long-standing privacy practices. Please read and keep this notice with your important account records. If you have any questions after reviewing this policy, please do not hesitate to contact us at 620-326-3361, 620-845-6444 or 1-888-777-8030.

  1. Impact Bank believes that the confidentiality and protection of customer information is one of our fundamental responsibilities. We do not share or sell information about our customers to outside companies. The only information we provide is that which is required to provide products and services on your behalf. And while information is critical to providing quality service, we recognize that one of our most important assets is our customers' trust. Thus, the safekeeping of customer information is a priority for Impact Bank.

  1. We collect "nonpublic personal information" about you from the following sources:< >Information we receive from you on online and paper applications or other loan and account forms, such as Social Security number, assets, income and debts.Information about your transactions with us, our affiliates or others, such as account balance, payment history, parties to transactions and credit card usage;Information we receive from third parties, i.e., credit bureaus, such as your creditworthiness and credit history;Information from other outside sources for the purpose of verifying representations made by you, such as employment history, loan or credit card balances or your property insurance coverage; andOther general information we obtain about you such as demographic information.

    We will always limit our collection of information to that which we believe is necessary to conduct our business properly, provide excellent service to you, and to offer you additional products and services that we believe will be of interest to you.

  2. We may disclose all of the information that we collect, as described above as follows: 

    Sharing of Information with Nonaffiliated Third Parties

    A nonaffiliated third party is a third party that is not a member of our corporate family. We do not sell nonpublic personal information to anyone, and do not disclose nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

    Sharing of Information with Companies that Work for Us

    We may disclose all of the information we collect, as described above, to nonaffiliated third parties (i.e., third parties that are not members of our corporate family) that provide products and services for us. These companies may perform marketing services on our behalf, supply products and services to you (such as check printing and data processing companies), or are other financial institutions with which we have joint marketing agreements. All of these companies are obligated to use the information we collect only for the services we have asked for and to keep this information confidential.

    Sharing Information in Other Situations

    In other circumstances permitted by law, we may share information we collect with nonaffiliated third parties. These include the sharing of information:

    < >to government entities when required by law, such as in response to a subpoena or similar legal process;to credit bureaus;to assist us in servicing your loan or account with us; andin connection with the sale of your account and related consumer database to another financial institution, such as the sale of mortgage servicing rightsYou may instruct us not to share this information (other than information related to your account history and our experience with you) with our affiliates by mailing or hand-delivering a written request to:

    Impact Bank
    Attn: Fair Credit Reporting Act Opt-Out
    206 E. Harvey
    P.O. Box 398
    Wellington, KS 67152

    Please make sure you include, with your request, your entire name, full address, social security number, telephone number and account number. If your account is a joint account, please include the name and social security number for each account owner who also does not want us to share this information.

    This instruction will remain in effect until revoked in writing. It is not necessary to provide this request annually.

  3. We may receive medical information, such as information related to your past or present physical health or condition, if you apply for insurance from us. This information will not be shared with anyone other than the issuing insurance company in order to process the application or provide the services you have requested.


  1. If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy polices and practices described in this notice.


  1. At Impact Bank we continually strive to maintain complete and accurate information about you and your accounts, in keeping with reasonable commercial standards. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.


  1. We restrict access to your nonpublic personal information to those of our employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.


  1. Impact Bank is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards.


  1. When we do provide customer information to a third party, we will insist through a written agreement that the third party adhere to privacy principles similar to those to which Impact Bank adheres for keeping this information confidential.


  1. Affiliates of Impact Bank: 

    INTRUST Bank, N.A.


  1. Impact Bank recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. We will provide notice of Impact Bank's privacy policy to you on an annual basis as long as you remain a customer. This privacy notice and the names of affiliates may change from time to time, but you may always request a copy by calling one of the numbers listed below.Customers who have questions about this privacy notice or have a question about the privacy of their customer information should call or visit Impact Bank at: 

    Main Bank: 206 E. Harvey, 326-3361
    Toll Free: 1-888-777-8030
    E-Mail: customerservice@impact-bank.com

(2/05)

PRIVACY ON OUR WEB SITE

In addition to the protections afforded all of our customers in this privacy notice, the following privacy principles apply to the use of our web site and Internet product, Impact Bank Online Banking.

Use, Collection and Retention of Customer Information

When you first visit Impact Bank Online, you do so anonymously. We do not collect identifying information about you. We collect only summary information about the numbers of individuals who visit our site and what those individuals look at. Cookies used on our site expire at the end of your session. They are only used during the session to provide access to your accounts after you have logged into the site. We collect this information to develop and provide products, services, and other opportunities to our customers.

Protection of Information via Established Security Procedures

We maintain appropriate security standards and procedures regarding unauthorized access to customer information. Your data is stored encrypted on servers or in cookies. We are committed to protecting the integrity, accuracy, privacy and confidentiality of your data.

Email

Messages sent via email within Impact Bank Online are secure. However, other email you send us may not be secure. Therefore, we recommend that you do not send us confidential information such as social security or account numbers via unsecured email.

Aggregation Services

Aggregation services consolidate your account information from several sources. If you choose to use an aggregation service, you are providing an aggregator with your authentication information that could result in unauthorized access and use of your confidential account information by the aggregator of a third party if adequate controls are not in place. Therefore, you should ensure that the aggregation company has appropriate processes in place to ensure the privacy and security of your information.

Your Role in Security

It is important that you protect against unauthorized access to your accounts. We recommend that you do not share your password and that you exit any applications when you finish using them.

Children's Information

We respect the privacy of your children and we comply with the practices established under the Children's Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from customers under the age of thirteen through Impact Bank Online Banking.

Important Information about Impact Bank Online Bill Pay

Electronic Disclosure Consent Form and Agreement

This notice is to inform you that you will receive important information and disclosures electronically as required by the Electronic Fund Transfers Act (EFTA).

In order to pay bills online, you must consent to receive the EFTA disclosures electronically. 

Please read this notice carefully and print or retain a copy of the notice, as well as the disclosures, for your records. In order to keep copies for your records you will need access to a printer or the ability to download information. To print, select the print function on your browser.

In order to receive information and disclosures in electronic format, you must have Windows 95, 98, ME, NT, 2000, or XP, Microsoft Internet Explorer 5.0 or later, 128 bit encryption, and a connection to the Internet. Macintosh users must have Internet Explorer 5.0 or later, 128 bit encryption, and a connection to the Internet.

You may withdraw your consent to receive disclosures by exiting this online session anytime prior to subscribing to a service. Your consent is not stored unless you complete this online session.  Withdrawal of consent after completion of this online session will not affect your account.

If you would like additional paper copies of the above disclosures, pleasee-mail customerservice@impact-bank.com or phone (620) 326-3361. We will provide the disclosures to you via U.S. Mail. No fee will be charged for this service.  Impact Bank will not be responding to you in electronic format.

By clicking “I Agree” below, you indicate your consent to receive disclosures electronically and your ability to access these disclosures in an electronic form. If you do not accept to receive these disclosures electronically, you will be unable to proceed with Impact Bank Online Bill Pay enrollment.


Impact Bank Online Bill Pay On-Time Payment Guarantee

Impact Bank is committed to sending bill payments made through Impact Bank Online Bill Pay to your designated payee on time and for the dollar amount you specify. If you properly follow the procedures described herein for Impact Bank Online Bill Pay and the Service fails to send a payment according to the Payment Instructions received, Impact Bank will bear responsibility for all late charges. In any other event, including but not limited to choosing a Send On Date which is not five Business Days before the due date or on or past the due date stated on your invoice, the risk of incurring and the responsibility for paying any and all late charges or penalties shall be borne by you. 

For this reason, it is recommended that all Send On Dates selected by you be no less than five Business Days before the actual due date, not the late date and/or a date in the grace period. (For example, the payment should be entered no later than Monday before 8 p.m., Central Time, for a payment to arrive on Friday, when the actual due date of the bill is the following Friday.) Payment Instructions entered after the Cutoff Time or on non-Business Days will be considered entered in the Service on the next Business Day.

While it is anticipated that most transactions will be processed four Business Days after your selected Send Payment Date, it is understood that due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by slow responding companies or financial institutions, some transactions may take a day or even a few days longer to be credited by your Payee to your account. 

These Guarantees cover transactions on Impact Bank Online Bill Pay only and do not extend to any transaction on any third party site, whether or not such third party site is linked to or otherwise advertised on our site. These Guarantees do not apply to bill pay using Quicken® Banking or Microsoft® Money Banking. These Guarantees do not cover transactions conducted with your user identification and password on Impact Bank Online Banking if you have disclosed to others, or have otherwise been negligent in protecting, your user identification and password.  

Impact Bank Online Bill Pay Terms and Conditions

This Agreement is between you and Impact Bank, also known as Impact Bank, ("Bank") and governs the use of the Impact Bank Online Bill Pay Service ("Online Bill Pay") on this web site. When you enroll your account(s), you agree to the terms and conditions of this Agreement as well as the Internet User Agreement. If you are a Business, you also agree to execute the Certificate of Resolution Authorizing Use of Internet Banking ("Resolution"). (Bank will send you the Resolution at your request or upon your acceptance of this Agreement.)

All provisions contained in this Agreement apply to both Consumer and Business accounts unless otherwise specifically stated. 

DEFINITIONS: 


As used in this Agreement, the following terms have the following meanings:

  • "Business Day" means Monday through Friday, excluding Federal holidays.
  • "Business" means a customer who is an entity enrolling accounts which are used for a business purpose and not for personal, family or household purposes.
  • "Consumer" means a customer who is a natural person enrolling accounts which are used primarily for personal, family or household purposes.
  • "Cutoff Time" means 8:00 P.M. Central Time on any Business Day and is the time by which you must transmit instructions to have them considered entered on that particular Business Day.
  • "ePayment" means an electronic payment transmitted by automated clearing house (ACH).
  • "Payee" means the merchant or other person or entity to whom you wish a payment to be directed.
  • "Payment Account" means your checking or now account from which all bill payments will be made. "Payment Amount" means the amount in US dollars you authorize to be paid to a Payee.
  • "Payment Date" means the Business Day upon which your Payment Account will be debited. (Sometimes referred to as "Send On Date".)
  • "Payment Instruction" means the information provided by you for a bill payment to be made to your Payee.
  • "Pending Payment" means any Payment Instruction which you have ordered to be made which has not been canceled by you before the Cutoff Time on the Payment Date.
  • "Repeating Payment" means an automatic recurring payment to the same Payee for the same Payment Amount which you can authorize for payment up to 364 days in advance.

ONLINE BILL PAY:

In order to use Impact Bank Online Bill Pay, you must maintain at least one checking or now account with the Bank designated as Payment Account(s). You may pay bills only in US dollars to Payees located in the United States (including Guam, Puerto Rico, U.S. Virgin Islands and U.S. military bases). You may enter Payment Instructions for a one-time payment or for Repeating Payments up to 364 days in advance. The minimum payment you may request is $.01 and the maximum is $9,999.99.

You must be at least eighteen (18) years of age to enroll in Impact Bank Online Bill Pay and a resident of the United States. You must provide a valid e-mail address to the Bank and maintain access to the Internet. It is your responsibility to notify the Bank of any and all changes to your email address. The Bank accepts no responsibility or liability for the consequences of your failure to notify the Bank of all changes to your email address.

Repeating Payments may be scheduled on a regular basis: weekly, bi-weekly, twice a month, monthly, every two months, quarterly, semi-annually or annually.

If you are a Consumer, you may make payments to or at the direction of government agencies, organizations and institutions, and court directed payments. The Bank has limited ability to research any issues arising from such government or court directed payments and will not be responsible for any late fees or penalties incurred by the use of the Bill Payment Service for such payments.

By providing the names and account information of your Payees, you authorize the Bank to follow the Payment Instructions that it receives through the Bill Payment Service. When the Bank receives a Payment Instruction, you authorize the Bank to debit your Payment Account on the Payment Date and remit funds on your behalf. You agree to only instruct the Bank to make a withdrawal when a sufficient balance is or will be available in your Payment Account on the Payment Date (including any overdraft protection plan which may be connected to the Payment Account). If you do not have a sufficient balance, including available credit under any overdraft protection plan, you agree that the Bank may at its sole discretion follow your Payment Instructions even though a debit to your Payment Account may result in or increase an overdraft. Whether or not the Bank honors your Payment Instruction, the Bank reserves the right to impose a non-sufficient funds or overdraft fee. The Bank is under no obligation to notify you if a payment is not completed because there are non-sufficient funds in your Payment Account (including any available credit under any overdraft protection plan) to process the transaction. You shall remain obligated to the Bank for any and all overdrafts and related fees imposed on your account in accordance with the most current applicable fee schedule.

BILL PAY PROCESSING:

Payment Instruction entered must include a Payment Date (Send On Date). You should select a Send On Date based upon the actual payment due date on your bill, not the late date or a date in the grace period. The Send On Date should allow sufficient time for processing the transaction and remitting the funds (either by ePayment or check) to the Payee. No less than three business days should be allowed, after Bank processing, for remittance of funds if by ePayment. No less than five business days should be allowed, after Bank processing, for remittance if by check. (For example, if the actual due date of the bill is Wednesday the 9th the latest date that should be chosen as the Send On Date is Friday the 4th, if remittance is by ePayment, or Wednesday the 2nd if remittance is by check.) The determination of whether payment is made by ePayment or check is at the sole discretion of the Bank and will be based primarily on acceptance of ePayments by specific Payees. The Bank is not responsible for any charges imposed, or any other action, by a Payee resulting from a late payment, including any applicable finance charges and/or late fees.

Payment Instructions may be processed either electronically or via check. You may schedule multiple payments to the same Payee with the same Payment Date so long as they are for differing Payment Amounts. If you enter multiple payments to the same Payee with the same Payment Date and in the same Payment Amount, the Bill Payment Service will not send the duplicate payments. When more than one customer schedules a payment to the same Payee on the same date, all such payments may be consolidated and one electronic file or check may be issued to the Payee.

Since your Payment Instructions are transmitted by computer, the payment will not be sent to the Payee with the Payee's payment stub. Payments received without the payment stub are sometimes processed at a different location. In addition, some Payees take longer to process payments made without payment stubs. It is your responsibility to contact your Payees to ensure that the address provided in your Payment Instruction is the correct address and that you allow sufficient time for the Payment to be sent and posted by the Payee.

CANCELLING PAYMENTS AND PLACING STOP PAYMENTS:

You may cancel or change any Payment Instruction prior to the Cutoff Time on the Payment Date. If the payment has been made by check, you may request a stop payment be placed on that check by contacting Customer Service at (888) 777-8030 or at (620) 326-3361. No stop payment will be placed if the check has already been presented for payment. A written or confirmed stop payment is effective for six (6) months. Each renewal must be received by the Bank prior to the expiration of the prior six (6) month period. If you request a stop payment on a Repeating Payment, further payments will not be made to that Payee unless you enter new Payment Instructions. You may be charged for each stop pay request in accordance with the most current applicable fee schedule. 
No stop payment can be placed after the Cutoff Time on the Payment Date if the payment has been made by ePayment.

GENERAL PROVISIONS:

The Bank will use its best efforts to make your payments properly and in accordance with your Payment Instructions. The Bank shall not be responsible and shall have no liability for any payment it is unable to complete due to any of the following circumstances:

  • Through no fault of the Bank, your Payment Account does not contain sufficient funds (including any overdraft protection plan which may be connected to the Payment Account) to complete the transaction.
  • The Bill Payment Service is not working properly and you know or have been advised of the malfunction before you execute the transaction.
  • You have not provided correct information regarding the Payee.
  • Circumstances beyond the control of the Bank (such as, but not limited to, telecommunications failure, acts of God, fire, riot, war, act of terrorism, or severe or adverse weather) prevent the proper execution of the transaction and the Bank has taken reasonable precautions to prevent the circumstances.

If for any reason your access connection is interrupted during an on-line session or you have questions regarding whether your Payment Instructions were received by the Bank, please call a Impact Bank Internet Specialist at (888) 777-8030 or at (620) 326-3361.

MULTIPLE OWNERS/ SIGNERS:

If you are a Consumer and your Payment Account or transfer account is owned by more than one person, the Bank may act on the verbal, written or electronic direction of any one owner regarding the enrollment or termination of Impact Bank Online Bill Pay. Each owner who enrolls the account in Impact Bank Online Bill Pay will receive a separate User ID number and Password. Regardless of the number of owners who enroll a Payment Account in Impact Bank Online Bill Pay, the bill payments from all Payment Accounts during the month will be aggregated for each User ID in determining the total number of bill payments for the assessment of any fees.

If you are a Business, the Bank may act on the verbal, written or electronic directions of any one person authorized by the Resolution executed by you regarding the enrollment in Impact Bank Online Bill Pay. Only one User ID and Password will be issued to you regardless of the number of signers authorized on your accounts. Any person who has the User ID and Password (whether authorized or not) will have access to view account balances and transactions, stop payment of funds, transfer funds and pay bills from all accounts enrolled in the Impact Bank Online Banking as well as Impact Bank Online Bill Pay regardless of whether they had such access to all of the accounts previously.

Any account, which requires two or more signatures to withdraw or transfer funds, may not be enrolled as the Payment Account. You agree not to change the account documentation to require two or more signatures until you have first notified the Bank to terminate the account as the Payment Account and the Bank has had reasonable opportunity to act on your request. You release the Bank from liability for any payments made from a Payment Account by any one person authorized to act as a signer on the account even though that person's authority to transfer or withdraw funds from the account by other means (e.g., by check) must be exercised jointly with one or more other persons.

If you are a business and an authorized signer issues Payment Instructions which have not been properly authorized or are outside of the authorized signer's scope of authority, you assume the entire risk of loss and hold Bank, its directors, officers, employees and agents, harmless from all loss, liability, claims, demands, judgments or expenses arising out of or in any way connected with such use.

RESPONSIBILITY FOR USER ID AND PASSWORD:

It is your responsibility to maintain control and safeguard your User ID and Password. You are solely responsible for all Payment Instructions or other instructions which are authorized by the use of your User ID and Password regardless of who actually request them. You agree to periodically change your Password. In addition, you agree to change your Password upon request by the Bank. If you discover your User ID or Password has been stolen, you agree to notify the Bank immediately.

SERVICE CHARGE AND CHANGES TO AGREEMENT:

A monthly service fee will be charged to your Billing Account in accordance with the current applicable fee schedule. This fee may be changed at any time after prior notice to you. This Agreement may be revised at any time, effective upon posting the revised Agreement on this Internet Site. Continued use of Impact Bank Online Bill Pay after posting of a revised Agreement or notice of a fee change will constitute acceptance and agreement to the revisions in the Agreement or changes in service fee.

DISCONTINUATION OR TERMINATION OF BILL PAY SERVICE:

In the event you wish to discontinue using Impact Bank Online Bill Pay, you must provide ten (10) days written notice prior to the actual discontinuation date. Written notice must be sent to Impact Bank Internet Support, P.O. Box 398, Wellington, KS 67152. Once the Bank has acted on your discontinuation notice, the Bank will make no further bill payments, including any bill payments previously authorized.

The Bank may terminate your use of this Bill Pay Service, in whole or in part, at any time without prior notice. The Bank reserves the right to cancel Impact Bank Online Bill Pay to all customers, without prior notice. Your access to Impact Bank Online Bill Pay will be terminated automatically if the Payment Account is closed or access to the Payment Account is restricted for any reason.

Discontinuation or termination of Impact Bank Online Bill Pay shall not affect your liability or obligation under this Agreement.

GOVERNING LAW:

This Agreement shall be governed by and construed in accordance with the law of the state of Kansas without regard to principles of conflicts of laws.

THE FOREGOING SHALL CONSTITUTE THE BANK'S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. BANK DOES NOT PROVIDE WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR OTHERWISE. IN NO EVENT SHALL THE BANK BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES INCLUDING, BUT NOT LIMITED TO, LOST PROFITS (EVEN IF ADVISED OF THE POSSIBLITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE OR MAINTENANCE OF YOUR EQUIPMENT AND / OR ONLINE BILL PAY.


Impact Bank is the full legal name of Impact Bank, located in Wellington, KS.

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