We are glad you have chosen to visit our site. Before proceeding, please read these Terms and Conditions of Use carefully. By accessing our site, you agree to all of the following. Questions regarding these Terms and Conditions can be sent to Customer Service or you may reach us by telephone at (941) 776-5040 during our normal business hours.

Product Information
Information regarding our products and services is not intended to take the place of our agreements governing our products and services, or our disclosures made in accordance with federal and state law. Information on our site may not apply to all products and services and is current only as of the date posted. Information presented on this site regarding any of our products and services does not constitute a commitment to provide any such product or service. Eligibility for certain products and services may vary, and is subject to final determination and acceptance by us. Please contact us directly at (941) 776-5040 for more information, or for copies of any applicable agreements or disclosure statements.

Use of Information
The information contained on the pages of this website is not intended to provide, and you should not rely on it for, legal, accounting, financial or tax advice. Please consult with your tax, accounting or financial advisor or legal counsel before using any of this information.

Copyright
We own the copyright in and to all of the pages, and all related intellectual property rights. Your use of the site does not entitle you to any rights in any of the foregoing. 1st Manatee Bank is not responsible for the design, including text and graphics, of this web site. Please refer all questions referring to the design of this web to the webmaster at Customer Service.

Electronic Mail
Email messages sent to us are on a non-confidential basis and become our property upon receipt, which we may use, disclose, reproduce or republish. Transmission of email by the Internet may not always be secure. For example, email may be intercepted by a third party or may not be immediately received by the designated person or department. Please do not use email to send us confidential information or information that we may require in writing or which may need our immediate attention. You are welcome to contact us directly at (941) 776-5040. Except as specifically agreed by us or required by law, we will not be subject to any obligations of confidentiality regarding, or liability for losses or damages incurred as a result of, submitted information or information transmitted to any person or entity as a result of a request for such transmission. Please be aware that when you receive a receipt acknowledging your email, it means that the message has been routed into the Internet, and not that the message has been received by us.

No Liability
In no event will 1st Manatee Bank or its subsidiaries or affiliates have any liability or responsibility for any loss or damage, including, without limitation, any direct, indirect, or consequential, incidental, or special loss or damage, arising out of or relating to the (1) use of or inability to use, print or display all or any portion of this site by you or any other person, or (2) any failure or delay or error in operation, transmission or performance, whether caused by system failure, virus or other disabling routine, or otherwise. This disclaimer of liability applies even if 1st Manatee Bank or their service providers, employees, or affiliates or any of its or their service providers, employees, or representatives have been advised of the possibility of any such loss or damage.

No Warranty
Neither 1st Manatee Bank makes any warranty regarding the site or the information or materials on the site or any linked site, and each of the foregoing expressly disclaims all implied and express warranties of any type, including, without limitation, warranties of merchantability, fitness for a particular purpose, non-infringement of intellectual property rights, and freedom from computer virus. This site is posted "as is" and "as available", and no representation or warranty is made as to the accuracy, sufficiency, timeliness, or completeness of the site or any linked site, or the information, pages or other materials included herein or therein. You may verify current rates and other information by calling us at (941) 776-5040.

Additional Disclaimers
Descriptions of, or references to, products, services or publications within this website do not imply our endorsement or approval of any such product, service, or publication. We are not associated with or responsible for any of the external linking websites that may be accessed through our site and use of any such hyperlinks, or other sites will be at your own risk. The content, accuracy, opinions expressed, products or services offered, and other links of other websites are the sole responsibility of their authors and owners, and are not investigated, verified, monitored, authorized, or endorsed by us.

Online Banking Services
You can use Online Banking to check your 1st Manatee Bank account balances, view histories, transfer funds between your 1st Manatee Bank accounts and make stop payment requests. With our Manatee E-Pay option, you can pay bills from your 1st Manatee Bank accounts in the amounts and on the dates you request.

Enrollment
Enrollment is easy. Simply complete the enrollment form off our website and return it to our offices or stop in and complete a form in person. Upon our receipt of your signed enrollment request, we will complete the enrollment and send you a welcome letter with sign-on instructions. For security purposes, your initial User ID and password will be sent to you in separate mailings.

Hours of Access
1st Manatee Bank’s Online Banking is available twenty-four hours a day, seven days a week.

Same Day Transaction Cut-Off Time
Transfers initiated through Online Banking before 5:00 p.m. Eastern Standard Time on a business day are posted to your account the same day. Transfers completed after 5:00 p.m. on a business day, or on Saturday, Sunday or a banking holiday will be posted on the next business day.

Overdrafts (Order of Payments, Transfers and other Withdrawals)
If your account has insufficient funds to perform all electronic fund transfers you have requested for a given business day, then: (a) Electronic funds transfers involving currency disbursements, like ATM withdrawals will have priority; (b) Electronic fund transfers initiated through Online Banking which would result in an overdraft of your account may, at our discretion, be cancelled and (c) In the event that electronic fund transfers initiated through Online Banking which would result in an overdraft of your account are not cancelled, overdraft charges may be assessed pursuant to the terms of the deposit agreement for that account.

Cancellation of Service
If you choose to cancel your Online Banking service, any unprocessed payments will be cancelled. 1st Manatee Bank will cancel your Online Banking service within (2) business days from the date we receive your written request to discontinue the service. If you close your primary checking account, your Online Banking service will end and any unprocessed payments will be cancelled.

Your Agreement to These Terms and Conditions
By accessing any page of this site, you agree to these Terms and Conditions. If you do not agree, please do not use our site. These Terms and Conditions do not modify or supplement any existing agreement that we may have with you and is not intended to be incorporated as part of any agreement between us. We reserve the right, at our discretion, to change, modify, add, or remove any of these Terms and Conditions at any time. Please check this page periodically for changes. Your continued use of this site following the posting of changes to these Terms and Conditions will mean you accept the changes. These Terms and Conditions are the entire agreement between the parties relating to the use of this site.


  
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