bankcda's Privacy Statement
bankcda takes seriously its obligation to protect the confidentiality of information provided by customers and Web site visitors. Our goal is to protect your confidential information no matter how we receive it: over the phone, at our branches, through our ATMs, or online.
Web site Visits
bankcda does not automatically collect personal information from visitors to its Web site. Nor does bankcda currently use "cookies", which are pieces of information that a Web site stores on a visitor's Web browser to remind the site if the visitor pays a return visit. The Bank will obtain personal information only if you volunteer it, such as by submitting E-mail, an application, and a product request or use our e-Banking services. Any information that you provide will be kept confidential.
bankcda is committed to compliance with laws and regulations protecting the confidentiality of customer information. The Bank's employees are guided by a formal Code of Ethics, which emphasizes their responsibility to safeguard and maintain the privacy and confidentiality of all customer information. In addition, the Board of Directors has adopted "Privacy Principles" that you may review. bankcda uses your information to provide you with products and services you have requested, and this may sometimes require disclosure to third parties, such as credit bureau. bankcda requires that any such third party adhere to similar privacy principles. In addition, the Bank may disclose your information to government regulators and when otherwise required by law.
If you have any questions about the safekeeping of your personal information, please call bankcda at (208) 665-5999.
Legal Information
bankcda information included in this Web site is protected by the copyright laws of the United States. No part of the information can be copied, redistributed, or reproduced without bankcda's prior written consent. All information contained in bankcda's Web site, including rates, terms and product fees, is for informational purposes only and is subject to change. Your eligibility for particular products or services is subject to final determination and acceptance by bankcda.
The information contained in or accessed from the bankcda Web site is provided on as "AS IS" basis. The Bank does not warrant the accuracy or completeness of this information, and expressly disclaims liability for errors or omissions in this information. No warranties of any kind are given in connection with this information, express or implied, including, but not limited to, warranties of merchantability, fitness for a particular purpose, non-infringement, or freedom from computer virus.
In no event will bankcda be liable for any direct or indirect, special, incidental, consequential or punitive damages, losses (including lost profits), or expenses arising out of or in connection with use of its Web site, any failure of performance, interruption, delay in operation or transmission, computer virus, loss of data or otherwise, even if bankcda has been advised of the possibility of such damages, losses or expenses.
Privacy Principles
Recognition of a Customer's Expectation of Privacy
The Bank should recognize and respect the privacy expectations of their customers and explains principles of financial privacy to their customers in an appropriate fashion. Making available privacy guidelines and/or providing a series of questions and answers about financial privacy to those customers could accomplish this, for example.
Use, Collection and Retention of Customer Information
The Bank will collect, retain and use information about individual customers only where the institution reasonably believes it would be useful (and allowed by law) to administering that organization's business and to provide products, services and other opportunities to its customers.
Maintenance of Accurate Information
The bankcda will establish procedures so that a customer's financial information is accurate, current and complete in accordance with reasonable commercial standards. The Bank will respond to requests to correct inaccurate information in a timely manner.
The Bank will limit employee access to personally identifiable information to those with a business reason for knowing such information. We will educate our employees so that they will understand the importance of confidentiality and customer privacy. The Bank will take appropriate disciplinary measures to enforce employee privacy responsibilities.
Restrictions on the Disclosure of Account Information.
The Bank will not reveal specific information about customer accounts or other personally identifiable data to unaffiliated third parties for their independent use, except for the exchange of information with reputable information reporting agencies to maximize the accuracy and security of such information or in the performance of bonafide corporate due diligence, unless (1) the information is provided to help complete a customer initiated transaction; (2) the customer requested it; (3) the disclosure is requested by allowed by law (e.g., subpoena, investigation of fraudulent activity, etc.); or (4) the customer has been informed about the possibility of disclosure for marketing or similar purposes through a prior communication and is given the opportunity to decline (i.e. "opt out").
Maintaining Customer Privacy in Business Relationships with Third Parties.
If personally identifiable customer information is provided to a third party, the financial institutions should insist that the third party adhere to similar privacy principles that provide for keeping such information confidential.
Disclosure of Privacy Principles to Customers
The Bank has developed methods of providing a customer with an understanding of their privacy policies. Customers that are concerned about financial privacy will want to know about an institution's treatment of this important issue. Each financial institution should create a method for making available its privacy policies.
bankcda
e-Banking Enrollment Agreement ("Agreement") governs use of the bankcda ("BCDA") e-Banking ("EB") service ("Service"). As used in this document, the words "you" and "your" refer to bankcda's customer(s) and their use of the Service. The words "we" and "our" refer to BCDA. P>INTRODUCTION - This Agreement explains the terms and conditions governing the EB offered through BCDA. By using the Service, you agree to the terms and conditions of this Agreement. The terms and conditions of the deposit agreements and disclosures for each of your accounts held at BCDA as well as any other agreements with BCDA, such as for loans, etc., continue to apply notwithstanding anything to the contrary in this Agreement. This Agreement will be governed by and interpreted in accordance with Federal laws and regulations, or to the extent there is no applicable Federal law or regulation, by the laws of the State of Idaho. By accepting below or otherwise using the Service, you agree to use the Service only for bona fide and lawful purposes permitted under this Agreement.
INTERNET BROWSER REQUIREMENT - For your privacy and protection, BCDA requires your browser to support 128-bit encryption. If you do not know how your browser is set, please contact your browser supplier and ask them for instructions on setting your browser for 128-bit encryption. Links to Microsoft Internet Explorer and Netscape Navigator download sites are provided on the e-Banking login page for the Service. You are responsible for the installation, maintenance, and operation of your computer and your browser software. The risk of error, failure, or non-performance is your personal risk and includes, but is not limited to, the risk that you do not operate your computer, EB, or your software properly. BCDA is not responsible for any problems related to electronic virus(es) that may infect your system. BCDA makes no warranty to you regarding your computer or your software.
BILLS AND STATEMENTS - By requesting that bills, statements, or other communications from a biller be sent to you through the Service, you warrant that you have all necessary right, power and authority to receive such information. You acknowledge that we make no representations or warranties of any kind relating to, and are not responsible for, the content of the bills, statements, invoices, advertising or other materials you may receive from billers or the products or services you may have purchased from them.
YOUR PASSWORD - You will be given a temporary password to access your BCDA account(s). For security purposes, you will be required to change your password when you initially login to EB. Your new password will be determined by you and will not be accessible by EB. You are responsible for keeping your password, account number(s) and other account information confidential. You also agree to change your password regularly. BCDA strongly recommends you do not authorize any other person to use your password. If you do authorize any other person to use your password, such authorization will be deemed without limitation. BCDA and each biller shall be entitled to rely on any payment orders or other entries or instructions made by or on behalf of such person using your password until you have met all of the following requirements: (1) you have revoked such authorization; (2) you have changed your password; (3) you have provided us with written notice of such revocation; and (4) BCDA has had a reasonable opportunity to act on such notice. .
Upon three unsuccessful attempts to use your password, your access to EB will be revoked. To re-establish your authorization to use EB, to report that your EB password may have been lost or stolen, or to report that someone has transferred or may transfer money from your account without your permission, immediately notify BCDA office, at (208) 665-5999 in the Coeur d'Alene area, or (888) 422-2636 Toll Free.
SECURITY - Your role in preventing misuse of your account(s) is extremely important. Examine your statement promptly upon receipt. If you find that your records and BCDA's disagree, immediately call BCDA. In addition to protecting your account information, you agree to take precautions to protect your personal identification information, such as your driver's license, social security number, etc. This information by itself or together with information on your account(s) may allow unauthorized access to your account(s). You agree to notify BCDA immediately if you believe another person has improperly obtained your EB password. You also agree to notify BCDA if someone has transferred or you suspect someone may transfer money from your account(s) without your permission, or if you suspect any type of fraudulent activity on your account(s). Only reveal your account number(s) to a legitimate entity for a purpose you authorize (such as your insurance company for automatic payments). You could lose all the money in your bank account(s), plus your maximum overdraft line-of-credit, if applicable. BCDA will not be responsible for losses that may occur.
CONSUMER LIABILITY FOR UNAUTHORIZED USE - Your account is a consumer account if it is used primarily for personal, family or household purposes. The following three paragraphs apply to consumer accounts.
If your statement shows transfers that you did not make, you agree to notify BCDA immediately. If you do not notify us within sixty (60) days following the date of the first bank statement on which the problem first occurred, you may not receive any reimbursement for money lost after the said sixty (60) days.
If you believe your password has been lost or stolen, and you inform us within two (2) business days after you learn of the loss or theft, your maximum loss is $50 if someone used your password without your permission.
If you do NOT tell us within two (2) business days after you learn of the loss or theft, and BCDA could have stopped someone from using your password without your permission if you had told us, your maximum loss is $500.
SERVICES - With e-banking, you can manage your personal, sole proprietor, or small business account(s) from your home or office on your personal computer. You can use EB to view account balances and transaction histories, transfer money between your accounts, (as noted in the applicable account deposit agreement and disclosure statement), pay bills, and/or communicate directly with BCDA through e-mail.
FEES & CHARGES - Currently there are no additional fees for accessing your account(s) through EB.
OVERDRAFTS - If your account has insufficient funds to perform all electronic funds transfers (ATM withdrawals, pre-authorized transactions, online banking transfers, bill payments, etc.) requested for a given business day, then certain electronic funds transfers involving currency disbursement, like ATM withdrawals, will have priority, and the electronic funds transfers initiated through this service may result in overdrawing your account and/or may, at BCDA's discretion and without prior notification to you, be canceled. In addition, all overdraft charges that apply will be debited from your account. You also authorize BCDA to charge any or all of your accounts to cover uncollected funds or overdrafts in your designated account(s). Refer to our Checking Account Truth in Savings Disclosures for further information.
DISCLAIMER OF WARRANTY AND LIMITATION OF LIABILITY - BCDA makes no warranty of any kind, expressed or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the EB services provided to you under this Agreement. We do not and cannot warrant that EB will operate without errors or that any or all EB services will be available and operational at all times. Except as specifically provided in this Agreement or where the law requires a different standard, you agree that neither we, nor the service providers, shall be responsible for any loss, property damage, or bodily injury whether caused by the equipment, software, BCDA, Internet browser providers, Internet access providers, online service providers, or by an agent or subcontractor of any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special, consequential, economic or other damages arising in any way out of the installation, use or maintenance of the equipment, software, online financial services, or Internet browser or access software.
HOURS OF ACCESS - You can access your BCDA account(s) through this Service seven days a week, 24 hours a day. However, at certain times, some or all of EB may not be available due to system maintenance or other problems.
POSTING OF TRANSFERS - A transfer initiated on a business day through this Service before 4:00 p.m. Pacific Time is posted to your account the same day and will be available to you the next business day. All transfers completed after 4:00 p.m. Pacific Time or on a Saturday, Sunday or banking holiday will be posted the next business day and be available the following business day.
TRANSFERRING FUNDS - Transfers may be subject to limitations based on individual account types. If a hold has been placed on a deposit(s) made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds being held until the hold expires.
OBTAINING ACCOUNT BALANCES AND TRANSACTION HISTORIES - You can obtain balances and transaction histories on all eligible accounts. Current balance and activity information is available the morning following the previous day's business.
DISCLOSURE OF ACCOUNT INFORMATION AND TRANSFERS - You understand and agree that in addition to information furnished pursuant to legal process, some information about your account(s) may be disclosed to others. For example, the tax laws require disclosure to the government of the amount of interest you earn, and some transactions, such as certain large currency or foreign transactions must be reported to the government. BCDA may also provide information about your account(s) to persons or companies BCDA believes would use the information for reasonable purposes, such as when a prospective creditor seeks to verify information you may have given in a credit application or a merchant calls to verify a check you have written. In addition, BCDA may inform a credit bureau or collection agency when accounts are closed by BCDA because they were not handled properly. Disclosure of any information should be in accordance with all applicable Federal laws and regulations. BCDA may also seek information about you from others, such as a credit bureau, in connection with the opening or maintaining of your account(s), and by accepting this agreement, you give us authority to provide or obtain all the above information.
YOUR RIGHT TO TERMINATE - You may cancel your EB service at any time by providing us with written notice via postal mail or fax. Within three (3) business days of receiving instructions, your access to EB will be suspended. You will remain responsible for all outstanding fees incurred prior to BCDA receiving and processing your cancellation. You may also cancel any of your EB services by contacting BCDA by calling 208.665.5999 in the Coeur d'Alene area, by calling 888.422.2636 Toll Free, or sending cancellation instructions in writing to bankcda, 912 Northwest Blvd, Coeur d'Alene ID 83814 - Attention: bankcda Internet Banking.
OUR RIGHT TO TERMINATE - Your online banking access may be canceled by BCDA at any time, without prior notice and for any reason. After cancellation, internet banking services may be reinstated at BCDA's discretion. To reinstate your service, call BCDA at (208) 665-5999 in the Coeur d'Alene area, or call (888) 422-2636 Toll Free. If you do not access your BCDA account(s) through EB for a one-year period, BCDA reserves the right to disconnect your service without notice. NOTE: Your Bill Pay information will be lost if you are disconnected.
COMMUNICATIONS WITH bankcda
Telephone - You can contact us by telephone at (208) 665-5999 in the Coeur d'Alene area, or (888) 422-2636 Toll Free.
Facsimile - You can contact us by fax at (208) 665-5990.
Postal Mail - Coeur d'Alene - You can write to us at bankcda, 912 Northwest Blvd, Coeur d'Alene, ID 83814 - Attention: bankcda Internet Banking.
Postal Mail - Hayden - You can write to us at bankcda, 200 W Honeysuckle Hayden, ID 83835 - Attention: bankcda Internet Banking.
In Person - You may visit us at our charter location at 912 Northwest Blvd, Coeur d'Alene, ID 83814. You may also visit us at our Hayden location at 200 W Honeysuckle Hayden, ID 83835.
CONSENT TO ELECTRONIC DELIVERY OF NOTICES - By accepting below or by otherwise using the service, you also agree that any and all disclosures and communications regarding the service between you and BCDA, including this Agreement, may be made electronically by posting to the BCDA web site in accordance with applicable law. Any electronic disclosure or communication we make will be considered made when transmitted by BCDA, and any disclosure or communication we make by posting to our web site will be considered made when posted by BCDA.
BY USING THIS SITE OR BY OTHERWISE USING THE SERVICE, YOU AGREE TO THE TERMS AND CONDITIONS OF THIS AGREEMENT.
EXCEPT AS SPECIFIED ABOVE OR AS MAY OTHERWISE BE PROVIDED BY LAW, BCDA SHALL HAVE NO LIABILITY FOR ANY ACT OR OMISSION IN CONNECTION WITH THE SERVICE, AND BCDA'S CUMULATIVE LIABILITY IN ANY ONE CALENDAR YEAR, SHOULD IT BE FOUND TO EXIST NOTWITHSTANDING THIS PROVISION, SHALL NOT EXCEED THE FEES YOU HAVE PAID FOR THE SERVICE IN THAT CALENDAR YEAR. BCDA HEREBY DISCLAIMS, FOR ITSELF AND/OR ANY OTHER ENTITY INVOLVED IN THE PROVIDING OF THIS SERVICE, ALL WARRANTIES, EITHER EXPRESSED, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR LACK OF VIRUSES. IN NO EVENT SHALL BCDA OR ANY OTHER ENTITY INVOLVED IN THE PROVIDING OF THE SERVICE BE LIABLE FOR (1) DAMAGES CAUSED OTHER THAN BY ITS OWN GROSS NEGLIGENCE OR INTENTIONAL MISCONDUCT, OR (2) INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES.
BY CLICKING THE "I AGREE" BUTTON, YOU AGREE TO THE TERMS AND CONDITIONS OF THIS AGREEMENT. YOU ALSO AUTHORIZE BCDA TO SEEK INFORMATION ABOUT YOU FROM OTHERS, FOR EXAMPLE A CREDIT BUREAU, IN CONNECTION WITH THE OPENING AND MAINTAINING OF YOUR ACCOUNT(S). IF YOU DISAGREE, END YOUR ACCOUNT APPLICATION PROCESS NOW. YOU MAY NOT MAKE CHANGES TO THIS AGREEMENT. IF YOU DO SO, THE AGREEMENT WILL NO LONGER BE IN EFFECT, AND YOUR EB ACCESS WILL BE CANCELED
Revised: May 17, 2001
bankcda e-Banking is safe and secure
bankcda's e-Banking accounts support the highest commercially available level of Internet browser security. In addition, bankcda maintains a firewall that only allows those who are authorized to have entry to our system.
Secure Socket Layer/Encryption
bankcda uses 128 bit Secure Socket Layer (SSL) technology to provide the highest level of security commercially available to encrypt online transactions. SSL allows users to submit sensitive information with the assurance that they are truly doing business with the bank they trust, and the information sent cannot be intercepted over the Web.
Current versions of Microsoft Internet Explorer and Netscape Navigator incorporate SSL technology in the browser software. bankcda recommends Microsoft Internet Explorer 6.0 (or higher). The latest version with updated information may be obtained on the Microsoft website www.microsoft.com.
When using secure functions on bankcda's Web site, please note the appearance of an "s" after the "http" on the Web address. The "s" in "https" indicates a session is secure. Both Netscape Navigator and Microsoft's Internet Explorer contain notification screens indicating which pages are secure.
If using a Netscape browser, perform a right-click on the mouse, select "View Info" or "View Frame Info" or select "View" from the browser menu bar then "Page Frame Info". The last line in the window describes the security of the page. Netscape browsers also indicate secure sessions by the appearance of a padlock in the lower left corner of the screen.
>With an Internet Explorer browser, right-click, select "Properties." Check the Web address that has been accessed. If in a secure area, the address will appear as "https://www." Notice the "s" in the address. This means a secure server has been accessed. Click on the "Certificate" button to find out more information about the Certificate.
Security certificates may also be checked by left clicking on any Verisign logo. In all cases, the owner of the Certificate should be either bankcda or IBANK.PCS-SD.NET/Precision Computer Systems.
USER RESPONSIBILITY FOR SECURITY
bankcda is committed to the security of our customers' accounts and account information. However, our customers must also take every precaution to ensure the safety, security and integrity of their accounts and transactions with bankcda e-Banking. As a security feature, a USER ID and PASSWORD are required to use bankcda's e-Banking. It must be agreed that this security feature is reasonable and is designed to authenticate transactions. It is also agreed that the customer will not disclose their unique USER ID and PASSWORD and will prevent the disclosure of the USER ID and PASSWORD. If the confidentiality of the USER ID and/or PASSWORD is compromised, customer will notify bankcda immediately. The customer assumes sole responsibility for maintaining the confidentiality of their unique USER ID and PASSWORD.
At a minimum, bankcda recommends the following precautions to maintain the confidentiality of the USER ID and PASSWORD. Do not leave account information in an area accessible by others, including on the computer screen.
Do not send the USER ID and PASSWORD codes or privileged account information over any public or general email system.
Do not leave computer unattended while connected to bankcda e-Banking.
Do not enter the USER ID and PASSWORD into bankcda e-Banking when there are others nearby who could observe the action of entering in a USER ID and PASSWORD.
Disable features of the browser that automatically save the USER ID and PASSWORD.
bankcda e-Banking requires the PASSWORD to be at least six characters long and to contain at least one alpha and one numeric character. Never use easy to guess passwords such as a simple series of numbers, children's name or birthdays, etc.
Please observe these guidelines. Remember you may be held liable for the unauthorized use of the USER ID and/or PASSWORD.
