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TERMS OF USE. FEE INFORMATION THAT’S USEFUL.

Your money and what to take into account.

These terms govern the use of this website. Please read them carefully. By accessing the website or any of its pages you agree to be bound by these terms of use.

This website has been established by the Bank for the sole purpose of conveying information about the Bank’s products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the bank’s agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the bank’s agreements and disclosures, the agreements and disclosures will control.

From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.

The information and materials contained in this website are owned by the Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.

The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.

This agreement may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time.

This agreement and the use of this website are governed by the laws of the State of Tennessee. For information on our Account Agreement Terms and Conditions, please download and read our Account Agreement Terms and Conditions (Electronic PDF Document).

Schedule of Fees

FirstBank Consumer Schedule of Fees >

FirstBank Business Schedule of Fees >

Overdraft Services Notice

A-9 Form (Overdrafts and Overdraft Fees) >

Account Agreement Terms

FirstBank Funds Availability Policy >

 

USA Patriot Act

IMPORTANT INFORMATION ABOUT OPENING A LEGAL ENTITY ACCOUNT

Section 326 of the USA Patriot Act requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account for a covered Legal Entity. New rules under the Bank Secrecy Act will aid the government in the fight against crimes to evade financial measures designed to combat terrorism and other national security threats.

Each time an account is opened for a covered Legal Entity, we are required to ask you for identifying information (name, address, date of birth, social security number and identification documents) for:

Each individual that has beneficial ownership (25% or more) in the Legal Entity; and, One individual that has significant managerial responsibility for the Legal Entity.

We proudly support all efforts to protect and maintain the security of our customers and our country

Unlawful Internet Gambling Enforcement Act (UIGEA)/Regulation GG

The Unlawful Internet Gambling Enforcement Act (UIGEA), signed into law in 2006 (mandatory effective date of June 1, 2010, prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful Internet gambling. The Department of the Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act. As defined in Regulation GG, unlawful Internet gambling means to “place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the Internet where such bet or wager is unlawful under any applicable Federal or State law in which the bet or wager is initiated, received or otherwise made”.

Restricted transactions are prohibited from being processed through your account or banking relationship with us if your account is considered a commercial account. Commercial accounts are defined as any account that is not a consumer customer. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling. Banks are required to block unlawful Internet gambling debit and credit card transactions.

 

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