Terms and Disclosures
Privacy
Visitors to this bank Website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:
- Date and time our site was accessed
- IP address (A numeric address given to servers connected to the Internet)
- Web browser used
- City, state, and country
The bank uses this information to create summary statistics and to determine the level of interest in information available on our site.
Visitors may elect to provide us with personal information via E-mail, online registration forms, or our guest book. This information is used internally, as appropriate, to handle the sender’s request. It is not disseminated or sold to other organizations.
Some areas of our Website may use a “cookie” temporarily stored in the visitor’s computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before.
Security
This Internet Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a Digital ID for the bank’s server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.
Secure Access and Verifying User Authenticity
To begin a session with the bank’s server the user must key in a Log-in ID and a password. Our system, the Internet Banking System, uses a “3 strikes and you’re out” lock-out mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out, requiring either a designated wait period or a phone call to the bank to verify the password before re-entry into the system. Upon successful login, the Digital ID authenticates the user’s identity and establishes a secure session with that visitor.
Secure Data Transfer
Once the server session is established, the user and the server are in a secured environment. Because the server has been certified data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank’s server issues a public key to the end user’s browser and created a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.
Internet Banking
The Internet Banking Customer (“Customer”) hereby requests that Professional Bank N.A., Dallas, Texas permit customer’s access to the following listed accounts, which Customer owns and maintains with Professional Bank N.A., via Professional Bank N.A. Internet Banking Web Site www.professionalbankna.com (“Web Site”). Customer acknowledges and agrees that Professional Bank N.A., in granting Customer’s request, shall issue to Customer an Initial Personal Identification Number (“PIN”) to facilitate Customer’s exclusive access to the Web Site as requested herein and said Initial PIN shall be kept absolutely confidential by Customer to ensure the Web Site access security to Customer’s accounts. Further, Customer herewith agrees to change the Initial PIN to a PIN of Customer’s sole selection and choosing upon Customer’s Initial access to the Web Site, with such initial access by Customer to occur within 72 hours of Customer’s receipt of the Initial PIN. Customer agrees to maintain the highest level of security with regard to the Initial PIN and all subsequent Web Site access PINs and understands that such security is Customer’s sole responsibility. Neither Professional Bank N.A. nor any of its representatives shall ever ask for Customer’s PIN.
Professional Bank N.A. assumes no responsibility, and Customer agrees that no such responsibility shall attach to Professional Bank N.A., to discover, audit, or report to Customer any possible breach in security or use of Customer’s Initial PIN or any subsequent PIN established by Customer. Customer agrees, and herewith does so agree, that Customer shall promptly notify Bank of any security compromise, or potential security compromise of Customer’s Initial PIN or any subsequent PIN established by Customer.
Customer agrees, and herewith does so agree, that Customer shall be and is solely responsible for liability, loss or damage, if any, resulting from Professional Bank’s actions, directly or indirectly, in accordance with requests and instructions received by Professional Bank N.A. via the Web Site when access to Customer’s account is gained via said Web Site by use, authorized or otherwise, of Customer’s Initial PIN or any subsequent PIN established by Customer and Customer does further indemnify and forever hold harmless Professional Bank from any and all such liability, loss or damage.
Upon Professional Bank’s granting of Customer’s request herein made, Customer authorizes, and herewith does so authorize, Professional Bank N.A. to honor and act upon all requests and instructions which Professional Bank N.A. receives via the Web Site with regard to Customer’s account(s) designated herein. Customer agrees, and herewith does so agree, to release Professional Bank N.A. for responsibility or liability for any inaccuracy, interruption, delay or failure in transmission, and to indemnify and hold Professional Bank N.A. harmless against claims based thereon, when same are occasioned by any circumstance beyond Professional Bank’s reasonable control, including but not limited to circumstances associated with the following: Web Site availability, wire service availability, weather, power failure, communication line failures, and errors or the lack of responsiveness of other organizations or entities.
Professional Bank N.A. agrees, and herewith does so agree, to use its best efforts to act upon all instructions received via the Web Site with regard to Customer’s account(s) on the banking day of receipt, when such instructions are received prior to deadlines set by Professional Bank N.A., and to use any means and routes that Professional Bank N.A., in its sole discretion, may consider suitable for the transmission of fund transfer requests. Customer assumes full and sole responsibility for all requests and instructions made via the Web Site with regard to Customer’s accounts(s). The individual terms and conditions of Customer’s account(s) shall continue to apply in all respects.
Professional Bank N.A. may, it its sole option (but not obligation), verify instructions by inquiry to Customer at the telephone number(s) specified by Customer in the various account records with Professional Bank. Said telephone number may be changed by written request of Customer, however, such change shall to be effective until received by Professional Bank N.A. Customer agrees, and herewith does so agree, to assign no responsibility whatsoever to Professional Bank beyond the duty to exercise ordinary care, and Customer agrees that Professional Bank shall be conclusively deemed to have exercised ordinary care when Professional Bank N.A. follows the instructions received via the Web Site and pursuant to the procedures stated therein.
Customer shall have no right to reverse, adjust or revoke an instruction after it is received by Professional Bank N.A., except by mutual agreement between Customer and Professional Bank N.A. If Customer’s specified account does not contain sufficient funds to accomplish a transfer, Professional Bank N.A. may, at Professional Bank’s sole option, debit Customer’s account into overdraft and Professional Bank N.A. shall not be liable for damage to Customer as a result hereof; however, Professional Bank N.A. shall not be obligated to debit Customer’s account into overdraft. Customer shall pay overdrafts that occur from the herein contemplated events, if any, upon demand, together with interest on the overdraft at the maximum lawful rate of interest. Professional Bank N.A. may charge Customer’s account at any time for the amount of such interest.
Online bill payment is provided to you for your convenience, at your request. The actual payment of such bills is handled by an independent third party and Professional Bank N.A. cannot and will not guarantee or be held responsible for the completion and accuracy of such transactions.
Customer agrees, and herewith does so agree, to pay such fees as Professional Bank N.A. may impose from time to time in accordance with Professional Bank’s customary pricing policies and to reimburse Professional Bank N.A. for any direct or indirect charges or expenses incurred by Professional Bank N.A. Such fees shall be paid by Professional Bank’s debit to Customer’s account.
Professional Bank N.A. cannot and does not guarantee that downloads from this site will not contain a virus or other destructive device. Additionally, you provide, request, and receive information from this site with the knowledge that such information can be intercepted and/or viewed by unknown third parties.
QUESTIONS? CALL US AT 214.269.2100 or 800.578.7919. |
