Internet Banking Service Terms & Conditions

Please read these Terms and Conditions carefully and keep them for future reference. You must review and accept these Terms and Conditions to access Security National Bank’s Online Banking.

Definitions. The words you and your refer to either and all of the persons submitting the Application. The words we, us, and our refer to the financial institution identified in the Application. The words your accounts refer to the accounts with us identified in the Application. The words your loan accounts refer to the loan accounts with us on which either or all of you are obligated to us. The words your accounts refer to your accounts and your loan accounts. The words our internet service refer to our Internet Banking Service. The word terms refers to these Terms and Conditions. ACH refers to Automated Clearing House. A business day is any day that the bank is operating and open for business. Saturdays, Sundays and selected Federal holidays will not be considered business days. You should contact us to inquire if a given Federal holiday is determined by the bank to be a business day.

Security. We work hard to make our website secure. We will employ such security measures as in our reasonable judgment are appropriate to secure our website. You will not use our website for unauthorized purposes. We may monitor and audit transactions made through our website.

Access to Accounts Via the Internet. Subject to the terms set forth below, we will provide you with our internet service pursuant to which you can access your accounts by computer via the internet through our website using your access ID and password and providing such other information as may be required by our website to accomplish the following:

  • Transfer funds between your accounts.
  • Make payments from your accounts to your loan accounts.
  • Transfer funds from SecurityLine you have with us, to your accounts.
  • Get information about your accounts, such as account balances or information on deposits or withdrawals.

We will have no obligation to carry out any transfers or payments unless there are sufficient funds in the pertinent account or any overdraft line of credit on that account. Access ID and password are required for access to our online banking. If you choose to receive e-Statements & Notices you will receive an email notification when your statement/notice is available online. Please see the Limitations on Frequency of Transfers below.

Transaction Posting. 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 the agreements between you and the bank. Although you can enter transfer information through Online Banking 24 hours a day, 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 these terms as the “Transaction Date”. Transactions entered on our website on weekends, federal holidays, or after 6:00 P.M. on a business day will be posted by the end of the next business day. Transfers must be scheduled by the normal cut-off time of 6:00 P.M. Central time 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 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.

Limitations on Frequency of Transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply:

Regardless of anything else in this or other agreements, transfers and withdrawals from a money market checking account to another of your accounts or to third parties by preauthorized, automatic, telephonic, or computer transfer cannot exceed six per statement cycle with no more than six being by check, draft, debit card, or similar order to third parties.

For security reasons, there may be other limitations on the number of transfers you can make.

Access ID & Password. Each individual who requests access to Online Banking, including each individual named on a joint account, will be allowed to create a separate access ID and password upon authentication during the initial enrollment. The Access ID must have a minimum of 6 and a maximum of 10 characters. It may be any combination of alpha and numeric characters, and is case sensitive. Customers must create an Access ID that adheres to these requirements. Passwords must have a minimum of 8 and a maximum of 10 characters; at least 2 numbers and 6 letters will be required. Upon authentication at enrollment, you will be prompted to create a password that adheres to these requirements. You should change your password periodically to enhance security. 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, Online Banking disables the password on the third incorrect attempt to login. Additional attempts may be made after a 15-minute period. If three separate series of attempts fail, please contact SNB for password reset. The disabling of the password keeps an unauthorized agent from attempting to guess a password. A common mistake is having the caps-lock on while keying in an access ID or password. Be certain both are typed in correctly, remembering that characters are case sensitive.

Equipment. You are solely responsible for setting up and maintaining your computer hardware and software and satisfying all hardware and software requirements. You are solely responsible for the equipment (including your personal computer and software) used to access Online Banking. We are not responsible for errors or delays or your inability to access SNB Online Banking caused by your equipment. We are not responsible for the cost of upgrading equipment to stay current with Online Banking nor are we responsible, under any circumstances, for any damage to your equipment or the data resident thereon.

Electronic Disclosures and Notices. This Disclosure describes the process that must occur before we can provide you with electronic disclosures and notices (such as by email or website). It also describes your rights in the event you consent to receiving electronic disclosures and notices. You understand prior to giving your consent that:

  1. Your consent applies to disclosures and notices regarding your accounts or our internet service, and it applies to your periodic account statements;
  2. Unless you consent, you have the right to receive all required disclosures in paper or non-electronic form;
  3. Even after consent, if you want to receive a paper copy of the disclosure in addition to the electronic disclosure you can obtain one free of charge by calling us;
  4. You can withdraw your consent at any time by calling us;
  5. You must promptly provide us with the information (such as an email address) needed to communicate with you electronically and update us as to any changes in such information by calling us.

We reserve the right to provide any disclosures or notices in writing, rather than electronically. Except as otherwise provided by law or in other agreements, you can give us all notices regarding your accounts, our internet service, or your periodic statements, except for stop payment orders, by email using our then current email address, regardless of anything in this agreement to the contrary; however, we reserve the right to have notices confirmed in writing upon our request.

Stop Payments. Before placing a stop payment online, verify the check has not cleared your account. The stop payment will remain in effect for six months. In order to renew a stop payment order for another six months, a new order must be submitted. A charge of $30.00 will be assessed to the account holder as payment for implementing the stop payment request. Only paper checks may be submitted online. If stop payment on an ACH item or a Forever Stop Payment is desired, please contact the bookkeeping department at 580.234.5151. Additional fees may apply.

By directing us to stop payment on a submitted item online, you agree to hold us harmless against any and all loss, claims, damage and costs, including court and attorney’s fees, that we may suffer or incur by reason of non-payment of the submitted item if presented prior to withdrawal of these instructions or renewal thereof.

You understand that the stop payment request must be received in time to give us reasonable time to act upon it (3 business days or more before the payment is scheduled to be made).

You also understand that it is necessary to provide the correct information, and that failure to do so may result in payment of the submitted item. You agree to hold harmless and indemnify us for all expenses, costs and damages incurred by payment of the submitted item if such payment is the result of failure of you to furnish any item of information (such as check serial number, amount, etc.) requested online completely, accurately and correctly.

Documentation. All payments, transfers, and/or fees made with SNB Online Banking will appear on your periodic account statement.  The account number, payment amount, and the date of the transfer will be shown for each transfer made through SNB Online Banking during that month.

If you have arranged to have direct deposits made into your account, you can call our SNBee Line or use Online Banking to find out whether or not the deposit has been made.  

SNBeeLine Number: 580.23SNBee (580.237.6233)

Fees and Charges. SNB Online Banking account access is provided to you at no charge. Online Bill Payment will have a separate fee schedule when implemented. The 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 SNB Online Banking and other related fees.

Hours of Operation. You ordinarily can participate in our internet service 24 hours a day – 7 days a week. However, we reserve the right to suspend our internet service from time to time as we deem appropriate. At certain times, some or all of Online Banking may not be available due to system maintenance or reasons beyond our control. The bank specifically does not warrant that Online Banking will be available at all times. During those times when it is not available, you may use the SNBeeLine, any 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 Online Banking before 6 p.m. Central time on a business day will be posted to your account the same day. Business completed on a weekend or banking holiday or after 6:00 P.M. Central time on a business day will be posted on the next business day.

Assignment and Delegation. We can assign our interest and responsibilities under this agreement, delegate our responsibilities under this agreement, and use independent contractors to perform or assist in the performance of our responsibilities under this agreement, as we deem appropriate. You may not transfer or assign your rights or duties under this agreement.

Termination. If you want to terminate your access to SNB Online Banking, please contact Customer Service at the number below. 

Customer Service Number: 580.234.5151.

We can terminate your right to participate in our internet service at any time if you fail to comply with these terms or the terms of your account agreements with us, including any failure to pay a required fee. In that event, or in the event that you give us 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 Online Banking 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 Online Banking does not affect your obligations under this agreement with respect to occurrences before termination or cooperation after termination. Either you or we can terminate this agreement without cause upon 30 days advance notice.

Changes in Terms. We can change these terms by giving you notice as required by law. Continued use of our internet service by you after notice of a change in terms constitutes acceptance of the change.

Notices. Notices must be in writing and mailed or hand delivered, except that we can give them to you electronically if you have so consented. Notices to you are effective when given, regardless of whether you receive them. Notices to us are effective only when we actually receive them.

Irreconcilable Conflicts. These terms supersede those of your deposit or loan account agreements to the extent they cannot be reconciled. You expressly waive any deposit account agreement requirements of one or more signatures for withdrawal when using our internet service. Any one of the persons authorized to make withdrawals from your deposit accounts is authorized to make transfers pursuant to our internet service, even if your account agreements provide that multiple signatures are required for withdrawal.

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.

Governing Law. The laws of the United States of America and 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.

Amendments. We can change a term or condition of this agreement by mailing or delivering to you a written notice at least 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 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 Checking or Savings account records, or e-mail address in which you authorized the bank to send such notices and/or disclosures.

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

Security Procedures. By accessing SNB Online Banking, 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 Online Banking constitutes and are subject to prosecution under the Computer Fraud and Abuse Act of 1986. 


Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account on time and in a correct amount according to our agreement with you, we will be liable for your losses or damages. 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 the transfer.

(2)     If you have an overdraft line, and the transfer 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 interruption of telecommunication service, catastrophic or emergency conditions, or a natural disaster (such as a fire or flood) prevent the transfer, despite reasonable precautions that we have taken.

(6)     If the funds are subject to legal process or other encumbrance restricting the transfer.

(7)     If you have not provided us with complete and correct information, including without limitation, the name, U. S. 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.

Except as expressly required by these terms or otherwise required by law, we will not be liable for any loss, injury, or damage resulting from Online Banking or the use thereof or arising in any way out of:

(1)     The installation, operation, or maintenance of your PC equipment, or

(2)     Deficiencies in your computer hardware or software or in your ability or care in using them, or

(3)     Problems relating to your access to the internet.


•  Sharing your information with nonaffiliated third parties as permissible by law –

We only make disclosures of our current and previous customers’ nonpublic personal information to other nonaffiliated companies as permitted or required by law. These disclosures include but are not limited to sharing nonpublic personal information:

–   When we have received your prior consent.

–   When necessary to complete a transaction you have initiated, such as a credit or debit card purchase.

–   With a reputable credit bureau or similar consumer reporting agency.

–   As authorized or required by law or in response to the judicial process.

– 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

– If you give us written permission.


Notice of Your Rights and Liabilities. Security of your transactions is important to us. Use of SNB Online Banking therefore requires an access ID and password. If you lose or forget your access ID or password, please call Customer Service during normal business hours.

Customer Service Number:  580.234.5151

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 other use of Online Banking. 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. SNB Online Banking 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 Online Banking; 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.

Unauthorized Transfers. Tell us AT ONCE if you believe your access ID or password has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. 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 after you learn of the loss or theft of your access ID or password, you can lose no more than $50 if someone uses your access ID or password without your permission. 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 prove 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 or was provided electronically if you consented to receiving the statement that way, 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 a hospital stay) kept you from telling us, we may extend the time periods. 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. 

Security National Bank

P.O. Box 1272

Enid, OK 73702


Error Resolution Notice. In case of errors or questions about your electronic transfers, call or write us at the telephone number 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 listed on the statement or receipt. We must hear from you no later than 60 days after we sent you, or provided electronically to you if you consented to receipt that way, the FIRST statement on which the problem or error appeared.

(1)     Tell us your name and account number.

(2)   Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

(3)     Tell us the dollar amount of the suspected error.

Security National Bank

P. O. Box 1272

Enid, Ok 73702


If you tell us verbally, 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, we will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved 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 question or complaint 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 this 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. We may ask for copies of the documents that we used in our investigation.

By clicking on the “I Accept” button below, the applicant requests the described services and agrees to the terms and conditions governing the services, including any fees and charges. Check the “I ACCEPT” button to indicate that you (the applicant) have read the agreement and accept its terms. If you do not agree, please click “I DO NOT ACCEPT” and you will be redirected to Security National Bank’s home page.

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