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Online Internet Banking Terms and Conditions Agreement / Terms of Service

This Agreement describes your rights and obligations as a user of the Online Banking Service or the Bill Payment Service ("Service" or "Services"). It also describes the rights and obligations of The Gerber State Bank (“Gerber”). Please read this Agreement carefully. As an authorized account holder you must abide by the terms and conditions of this agreement, and those provided to you at account opening, in order to use this Service.

By selecting the "I Accept" button below, you are (1) acknowledging your receipt of the information listed below, (2) agreeing that any contract you enter into with Gerber for the provision of certain Online Banking Services may be in electronic form, and (3) agreeing that certain information that may be delivered in connection with the Services may also be in electronic form.

You are also acknowledging receipt of the following information and agree that:
We may provide you with this Agreement and any revisions and amendments thereto in electronic form, and that, if you choose to accept the Agreement, you are consenting to enter into and are entering into an agreement electronically that will govern all future transactions you conduct using the Service.

We may provide you revisions and amendments to the Agreement and such other information (including, but not limited to, information under Regulation E and under other applicable banking or financial services laws or regulations in connection with the Service) electronically as a part of the Agreement or otherwise as a part of the Services. While you may print and retain a copy of the Agreement or any information provided to you in relation to the Service, we only provide these documents electronically.

You have a right at any time to withdraw, without service charges, your consent to receive information electronically. However, because the Agreement and the Information are provided only in electronic format, your withdrawal of consent will terminate all the Services.

If you wish to withdraw consent to receive information electronically, to terminate the Services, or to update your information such as a change of address, or email address, you may call Gerber at (217) 795-2331, or send a letter to:

The Gerber State Bank
Attention: Bookkeeping
P.O. Box 410
Argenta, IL 62501

You are able to access information that is provided in the same manner as the information and Services via the Internet.


The following definitions apply in this Agreement:

To gain access to this Service you will need your Access ID and your Password.

The Services are generally available 24 hours a day, 7 days a week, except during special maintenance and upgrade periods.

The safety of our customers’ accounts and account information is of paramount importance to Gerber. We go through great lengths to protect confidentiality and the security of your account, and urge you to do the same. You agree not to allow anyone to gain access to the Services or to let anyone know your Password used with the Services. You agree to assume responsibility for all transactions initiated through the Services with your Gerber Access ID, up to the limits allowed by applicable law. While Gerber continues to provide our customers with the level of online security we believe necessary and appropriate, customers who share their Access IDs and Passwords are giving up the full benefit of our security measures and legal protections to which they may be entitled. No Gerber representative will ever call and ask for your Access ID or User Password.

If your Password has been lost or stolen, call Gerber immediately at (217) 795-2331, during business hours. Telephoning is the best way to minimize your losses. You may also restore the security of your Service by immediately changing your Password. If you believe your Password has been lost or stolen and you notify us within two Business Days after you learn of the loss or theft, you can lose no more than $50.00 if someone uses your Password to conduct unauthorized electronic funds transfers without your permission. If you do NOT notify us within two (2) Business Days after you learn of the loss or theft of your Password, and we can prove we could have stopped someone from using your Password to conduct unauthorized electronic funds transfers without your permission if you had told us, you could lose as much as $500.00.

In addition to viewing account information, you may use Online Banking to conduct the following transactions:

NOTE: Because regulations require Gerber to limit pre-authorized transfers (including Online Banking transfers), the following limitations apply:

Savings Account–you can make no more than six (6) transfers per statement period by pre-authorized or automatic transfer, or by Online Banking.

Money Market Savings Account–You can make no more than six (6) transfers per statement period by pre-authorized or automatic transfer or by Online Banking, and no more than three (3) of these may be by check, draft or debit card.

New services may be introduced for Online Banking from time to time. Gerber will notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the rules that will be made available to you concerning these services.

You will continue to receive your regular account statement either monthly or quarterly, depending on the type of account. If your statement shows transfers that you did not make, notify Gerber immediately at (217) 795-2331, or send a letter to:

The Gerber State Bank
Attention: Bookkeeping
P.O. Box 410
Argenta, IL 62501

If you do not notify Gerber within sixty (60) days after the statement was mailed to you, you may not recover any money lost after the sixty (60) days which would not have been lost if Gerber had been notified in time.

In case of errors or questions regarding an Online Banking or Bill Payment transaction, you may call Gerber at (217) 795-2331, or send a letter to:

The Gerber State Bank
Attention: Bookkeeping
P.O. Box 410
Argenta, IL 62501

We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the first statement on which the problem or error appeared. We will need:

We will determine whether an error occurred within ten (10) Business Days after we hear from you and will correct any error promptly. If more time is needed, however, we may take up to forty-five (45) days to investigate your complaint or question. If this occurs, we will credit your account within ten (10) Business Days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete our investigation. If your complaint or question is not received in writing within ten (10) Business Days from your original contact, we may not credit your account until the investigation is completed.

If your notice of error concerns a transaction that occurred during the first 30 days after the first deposit to the account was made, the applicable time periods are 20 Business Days in place of 10 Business Days and 90 calendar days in place of 45 calendar days.

If we determine that no error occurred, we will send you a written notice within three (3) Business Days. You may request copies of the documents that were used in the investigation.

You agree that Gerber may respond to you by e-mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by Gerber shall be considered received within three (3) Business Days of the date sent by Gerber, regardless of whether or not you sign on to the Service within that time frame.

Gerber agrees to make reasonable efforts to ensure full performance of Online Banking. Gerber will be responsible for acting only on those instructions sent through Online Banking which are actually received, and cannot assume responsibility for circumstances over which the bank has no direct control. This includes, but is not limited to, the failure or malfunctions in communication facilities, which may affect the accuracy or timeliness of messages you send. Gerber is not responsible for any losses should you give incorrect instructions, or if your payment instructions are not given sufficiently in advance to allow for timely payment or delays in mail service.

Any information you receive from Gerber is believed to be reliable. However, it can only be provided on a best-efforts basis for your convenience and is not guaranteed. Gerber is not liable for any deficiencies in the accuracy, completeness, availability, or timeliness of such information or for any investment or other decision made using this information.

Gerber is not responsible for any fees incurred for Internet access, or for any computer virus or related problems that may be attributable to services provided by any Internet access service provider.

You are responsible for obtaining, installing, maintaining, and operating all computer hardware and software necessary for performing Online Banking. Gerber will not be responsible for any errors or failures from the malfunction or failure of your hardware or software.

The limit of Gerber liability shall be as expressly set forth herein. Under no circumstances will Gerber be liable in contract, tort, or otherwise for any special, incidental, or consequential damages, whether or not foreseeable. By consenting to use the Services, you agree to waive any and all right to any of the aforesaid, and you acknowledge that the limit of your remedy is as otherwise expressly set forth herein.

Gerber will be responsible for your actual losses if they were directly caused by our failure to complete or cancel a transfer as properly requested.

However, we will not be responsible for your losses if:


There may be other exceptions stated in this agreement and in other agreements with you. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer, and we will not be liable for any incidental or consequential damages.

If any of the circumstances listed above shall occur, we shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incorrect transactions that have been processed.

If you send Gerber an electronic mail message through the Service, Gerber will be deemed to have received it on the following Business Day. E-mails will be answered within a reasonable timeframe.

You should not rely on electronic mail if you need to communicate with Gerber immediately (e.g., if you need to report an unauthorized transaction from one of your accounts, or if you need to stop a payment that is scheduled to occur).

You agree that Gerber may respond to you by electronic mail with regard to any matter related to the Service, including responding to any claim of unauthorized electronic funds transfer that you make. Any such electronic mail sent to you by Gerber shall be considered received within three (3) days of the date sent by Gerber, regardless of whether or not you sign on to the Service within that time frame.

Internet banking alerts allow you to set up automated alert events based on your own criteria.  Alerts may be sent via email or in an online message box within Internet banking, or both. E-mail alerts will be sent to the e-mail address you provide in creating the alert.

Gerber may add or remove types of alerts from time to time.

If you change your e-mail address you are responsible for changing this in the alerts you have already set up.

You agree that alerts may be delayed or prevented for a variety of reasons.

We do not guarantee the delivery or validity of the contents of any alert.

You agree that we shall not be liable for any delays, delivery failure or misdirected delivery of any alert.

You agree that we shall not be liable for any actions taken or not taken by you or anyone else in reliance of an alert.

The bank will never include your password or full account number in an e-mail alert; however you understand that alerts may include your name and some information about your accounts.

In addition to this Agreement, you and Gerber agree to be bound by and comply with the requirements of the agreements applicable to each of your Online Accounts. Your use of the Online Banking service or the Bill Payment Service is your acknowledgment that you have received these agreements and intend to be bound by them. You should review other disclosures received by you when you open your accounts at Gerber, including the charges that may be imposed for electronic funds transfers or the right to make transfers listed in the fee schedules accompanying those disclosures. We will automatically deduct any fees related to this Service from your Bill Pay Account each month. All terms and conditions of the disclosures provided to you at account opening, including but not limited to, the Truth in Savings, Regulation E Disclosure, and Deposit Account Agreement and Disclosure apply to this Service.

Gerber may modify the terms and conditions applicable to either Service from time to time upon mailing or delivering a notice of the modifications to you at the address shown on our account records, and the revised terms and conditions shall be effective at the earliest date allowed by applicable law. We may send any notice to you via electronic mail and you will have been deemed to have received it three (3) days after it is sent. We reserve the right to terminate this Agreement and your use of the Services in whole or in part at any time without prior notice.

A copy of the Gerber Consumer Privacy Statement is available upon request at our office, or can be mailed to you upon request by calling the office at (217) 795-2331, or sending a letter to:

The Gerber State Bank
Attention: Bookkeeping
P.O. Box 410
Argenta, IL 62501

You can also access our Policy online by clicking on the Privacy Policy link on the Gerber web site.

You are responsible for complying with all the terms of this Agreement and with the terms of the agreement governing the deposit accounts which you access using electronic banking services. We can terminate your Online Banking privileges (including the Bill Payment Service) under this Agreement without notice to you for any reason; or if you do not pay any fee required by this Agreement when due, if you do not comply with the Agreement governing your deposit or loan accounts, or your accounts are not maintained in good standing. We will promptly notify you if we terminate this Agreement or your use of the services for any other reason.

If you are not paying a monthly service charge for the Service, we may convert your account to inactive status if you do not sign on to the Service or have any transaction scheduled through the Service during any consecutive 180 day period. If your account is considered inactive, you must contact us to have the Service activated before you will be able to schedule any transaction through the Service.

To cancel the Online Banking and/or Bill Payment Service, you must notify Gerber. Your notification should include your name, address and the effective date to stop the service(s). When Bill Payment is terminated, any pre-scheduled bill payments made through Online Banking that are not already in processing will also be terminated. Any Bill Payment(s) the Service has already processed before the requested termination date will be completed by the Service. All Scheduled Bill Payments, including automatic payments, will not be processed once the Service is terminated. You will remain responsible for any fees associated with the Service prior to the effective termination date. Your final charge for the Bill Payment Service will be assessed at the end of your statement cycle. You may notify Gerber by one of the following methods:

By initiating a customer inquiry through our Web Site
By calling (217) 795-2331
By sending a letter to:
The Gerber State Bank
Attention: Bookkeeping
P.O. Box 410
Argenta, IL 62501

This Agreement is governed by the laws of the State of Illinois and applicable federal law(s).

Gerber offers the benefits and convenience of the Online Banking service to you at no monthly charge. Account research, stop payment charges and Bill Pay Services will be assessed at the rates published in our Rate and Fee Schedule and deducted from your Bill Pay Account or another account you hold at Gerber.

These fees are subject to change. Gerber will notify you in writing regarding any fee changes at least thirty (30) days in advance of the effective date of these changes.
Bill Pay Service fees will be charged regardless of whether the Service was used during the billing cycle. There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize us to deduct the calculated amount from your designated Bill Pay Account for these amounts and any additional charges that may be incurred by you. Any financial fees associated with your standard deposit accounts will continue to apply.
You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider.
When you schedule an electronic funds transfer using the System, you authorize us to withdraw the necessary funds from your account with us. We deduct the amount of your funds transfer from your account on the date we process your instruction. Each instruction to us to withdraw or transfer funds from your account is an order to us to make the payment from that account at that time or on a later date, if any, indicated in the instruction. We may charge payments you instruct us to make to your account even though the charge creates an overdraft, or we may refuse to make the payments if the charge creates an overdraft. If you overdraw your account, you agree to immediately pay us the overdrawn amount, together with any applicable fees.

Last Revised: 2/01/16


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