Privacy Notice
Heritage Bank collects non-public, personal information concerning customers, such as income, net worth, Social Security number, and address from the following sources:
In addition, account information at Heritage Bank is restricted to employees who need to know personal information to provide products or services to account owners. Heritage Bank also maintains physical, electronic, and procedural safeguards that comply with federal standards to guard customer's private information.
However, Heritage Bank may disclose all of the information collected, as described above, to companies that perform marketing services on their behalf or to other financial institutions with which Heritage Bank has joint marketing agreements.
If customers decide to close an account(s) or become an inactive customer, Heritage Bank will adhere to the privacy policies and practices described in this notice.
Consumer's Liability
Customers should report stolen or lost cards immediately. Telephoning Heritage Bank at once is the best way of keeping possible losses to a minimum. Otherwise, all money in a customer's account could be lost (including the maximum overdraft line of credit). Upon belief that one's card or code has been lost or stolen, it must be reported to within two business days. If Heritage Bank is informed of the loss or theft within this timeframe, the customer can lose no more than $50.00. If the bank is not notified within two business days of learning of a theft or loss and it is proven that damage to one's account could have been stopped had the bank been notified, customers could lose as much as $500.00.
Limitation of Liability for Unauthorized VISA® Point of Sale Transactions
In addition to lost and stolen cards, Heritage Bank should be notified immediately of any unauthorized transactions. Customer's liability for unauthorized transactions that take place on the VISA® System is zero dollars ($0.00). However, a written statement may be required regarding claims of unauthorized transactions. With respect to unauthorized transactions, these limits may exceeded to the extent allowed under applicable law (see consumers liability paragraph) only if we determine that you were grossly negligent or fraudulent in the handling of your account.
Heritage Bank should also be notified immediately of unauthorized transfers on accounts. Any unauthorized transfers of which the bank is not notified within 60 days of the mailed statement, may not be refunded due to the fact that timely action could have prevented the loss of funds. Exceptions may be made in certain circumstances.
When using an ATM that is not owned by Heritage Bank, customers may be charged a fee by the ATM operator or any system used. Fees can also be accrued for services that don't include fund transfers such as a balance inquiry.
Contact in Event of Unauthorized Transfer
To report a lost or stolen card or an unauthorized transaction or transfer, call (270) 885-1171 or write ATM Department at Heritage Bank, 2700 Fort Campbell Boulevard, Hopkinsville, KY 42240.
Business Days
For purpose of these disclosures, our business days are Monday, Tuesday, Wednesday, Thursday, and Friday. Holidays are not included.
Types of Transfers
Certain direct deposits and deductions can be authorized from a customer's checking and/or saving account. Authorized transfers may also be made to and from one's line of credit. One's card or code may be used to:
Note: Some of these services may not be available at all terminals.
Limitation on Dollar Amounts of Transfers
Withdraws up to $1,000 from bank terminals or purchases up to $1,000 for goods or services in a point-of-sale transfer can be made each day.
Fees
Customers are charged $5.00 each for replacement cards and are charged $1.00 for each transaction made using an automated teller machine that is not owned by Heritage Bank.
Confidentiality
Heritage Bank will only disclose information about customers' accounts to other institutions
Note: Information regarding one's account can also be disclosed when written permission has been obtained.
Documentation
Terminal Transfers—Receipts are issued at the time any transfer is made to or from an account using an automated teller machine or point-of-sale terminal.
Preauthorized Credits—Direct deposits, credits made to accounts at least once every 60 days from the same person or company, can be inquired about by telephoning (270) 885-1171.
Periodic Statements—Statements are issued monthly unless there has been no activity in an account; in which case, a statement will be issued quarterly.
Preauthorized Payments
Stop Payments—Any preauthorized payments from one's account can be stopped by calling (270) 885-1171 or by writing Heritage Bank, 2700 Fort Campbell Boulevard, Hopkinsville, KY 42240. Requests to stop preauthorized payments must be made three business days or more before scheduled payment. In addition, customers are asked to put their request in writing and get this request to the bank within 14 days after calling. The fee for each stop payment order is $26.00.
Notice of Varying Accounts—Customers should receive notice of amounts of varying preauthorized account debits from the collector 10 days prior to the deduction. (Customers may choose from different options with bill collectors that would allow them to only receive notification when payment exceeds a set amount.)
Liability for Failure to Stop Payment of Preauthorized Transfers—Heritage Bank is liable for any stop payment orders that are not completed upon request when made three business days before scheduled payment.
Financial Institution's Liability
Heritage Bank is responsible for any damages or losses due to transfers made or not made to or from an account on time, according to the customer's agreement with the bank unless:
In Case of Error or Questions About Electronic Transfers
For questions regarding electronic transfers, customers should contact Heritage Bank immediately by telephone at (270) 885-1171 or write to Heritage Bank, 2700 Fort Campbell Boulevard, Hopkinsville, KY 42240. Errors or questions must be reported no later than 60 days after statement was mailed. When informing the bank of the error, customers should include the following information:
Determination of whether the error occurred within 10 business days (5 business days for point-of-sale transaction and 20 business days for a new account-new account status is effective for 30 days from the date of the first deposit) will take place after the problem is reported to Heritage Bank. The error will be corrected promptly unless the bank needs more time to investigate the problem. For such cases 45 days should be allowed (90 days for point-of-sale transactions, new accounts, or foreign initiated transfers). If extra time is needed to investigate the complaint, accounts will still be credited the amount in question; so customers will have use of the money during the investigation unless the question/concern was not lodged with the bank within 10 business days of discovery.
Customers will be notified about the outcome of the inquiry within 3 business days after the completion of the investigation. In the case that there is no error by the bank, customers will receive a written explanation and may request copies of the documents used in the investigation.
Your Ability to Withdraw Funds
Cash and check deposits are available to customers on the first business day after receipt of deposit, and electronic direct deposits are available on the day they are received. Once funds are available, they may be withdrawn in cash or used to pay checks that customers have written.
Customers should be aware that even after funds have been made available they are still responsible for checks they deposited that are returned as unpaid and other problems involving deposits.
In determining the availability of deposits, every day is a business day excluding Saturday, Sunday, and federal holidays. The day of deposit for any deposit made before or on a business day will be considered as that day. However, for deposits made after hours or on a day that is not a business day, the day of deposit will be the next working day.
Longer Delays May Apply
Customers needing funds from a deposit immediately should inquire about the availability of funds. In some cases, funds deposited by check may not be totally available to customers the first business day after the day of deposit. Depending on the type of check that is deposited, funds may not be available until 5 days after the day of deposit. However, $100.00 of the deposit will be made available on the first business day after the deposit.
Customers will be notified at the time of transaction if all of the funds from a deposit will not be available the following business day. If the deposit is not made directly to one of the bank's employees or if it is decided that action must be taken after the customer has left the premises, he will be mailed a notice within a day after the deposit.
In addition, funds deposited by check may be delayed for longer periods under the following circumstances:
Customers will be notified for any delays in the availability of funds, and they will be informed of when the funds will be available. They will generally be available no later than 5 business days after the day of deposit.
Special Rules for New Accounts
Accounts are considered to be new accounts for the first 30 days from the first deposit, and special rules apply during this period.
Funds from electronic direct deposits will be available on the day the deposit is received. Funds from deposits of cash, wire transfer, and the first $5,000 of deposited checks (cashier's certified; teller's travelers; and federal, state, and local government checks) will be made available on the first business day after the day of deposit-as long as the deposit meets certain conditions. The checks must be payable to the customer on the account, and a special deposit slip may be required. However, if such a deposit is not made in person to one of the bank's employees, the first $5,000 of the deposit will not be available until the second business day following the deposit (Exceptions will be made for U.S. Treasury checks). Any excess in a deposit of over $5,000 will be available 9 business days after the day of the deposit. Funds from all other types of check deposits will be accessible 9 business days after the deposit.
Heritage Online Consumer Usage Policy and Statement
In the following document the references to user, customer, consumer, and you refers to anyone who accesses or attempts to access Internet Banking (Heritage Online).
Heritage Online is the Internet Banking product/service of Heritage Bank. This product provides you, the customer, with access to your accounts via the Internet. Before accessing the use of this product one should familiarize themself with the following policies and with both Heritage Bank's Privacy Policy and EFT Disclosures. Customer's use of Heritage Online and use of the website www.bankwithheritage.com demonstrate one's agreement and acceptance to all policies and procedures in this document, Heritage Bank's Privacy Policy and Heritage Bank's EFT Disclosure.
The Web Site - www.bankwithheritage.com
The official website of Heritage Bank is www.bankwithheritage.com. The information displayed at this site and accessed through this site within the control of Heritage Bank is subject to and in accordance with the policy and procedures in this document, Heritage Bank's Privacy Policy, and Heritage Bank's EFT Disclosure.
While Heritage Bank works to ensure all information listed is current and accurate, all users are encouraged to confirm information with the bank itself--as the website only represents a presentation of information and should not be relied upon as the final source.
Browsing our Site
Customers are allowed to browse our site anonymously. Heritage Bank does not collect nor require any personal information to browse our site. However, if applying for use of Internet Banking or other application processes, customers will be asked for information necessary to complete those tasks. (Please review our Privacy Policy)
Internet Banking
Heritage Online is pleased to provide customers with access to their accounts via the Internet. This process allows-but does not limit customers to the following:
Heritage Bank has worked to make this process simple and secure by developing relationships with outsourced providers or merchant support to assist in providing the best possible service. Customers should understand that why their banking relationship is maintained by Heritage Bank, that support for these services are outsourced to providers and this limits Heritage Bank from directly controlling all procedures in regards to Internet Banking.
Accessing Internet Banking
Customers (you) may access Internet Banking through Heritage Bank's official website at www.bankwithheritage.com. Then you may click on the sign-up feature and complete the online application. Once submitted via email, Heritage Bank will then review the information and determine an approval, hold, or rejection based upon criteria set in regards to security and the customer's standing with the bank. Application information provided by customers must meet and agree with past information submitted in a previous relationship with the bank. Conflicting information or the absence of certain information will result in the customer not being allowed to use the service.
Once a user has been approved and customer information has been prepared for Internet Banking, customers will be notified of how to access their accounts via email in no more than 5 business days. Customers who do not have email will be sent their pass code and approval letter by mail and should receive them in no more than 10 business days. If a user does not receive their pass code within the appropriate time, he should contact his local branch.
Users will be asked to create a USER ID during the application process. This ID along with their initial pass code, sent to the user from the bank upon approval for usage, will allow customers to access Heritage Online, but for security measures the initial pass code will have to be changed during the user's initial login.
Online Banking Services
To use online banking service a user must have:
Heritage Online (Internet Banking) allows customers to:
Please Note: If you choose to manage their finances and communicate with Heritage Online using personal financial management software, such as Quicken, not all features and options may be available.
Use of Internet Banking
There are several things customers should know and consider when using Internet Banking. Primarily, it is important that one reads all Disclosures and contacts the bank with any questions or concerns.
Security of Online Sessions
Heritage Bank strives to offer the highest of security in regards to Heritage Online. For customer's benefit, the bank meets industry standards by using Secure Sockets Layer (SSL) encryption when communicating all information. This process is designed to protect account holders and their information from outside intruders.
Cost and possible charges
Heritage Bank takes pride in offering Heritage Online as a free service to its customers. This includes access to www.bankwithheritage.com and Internet Banking. Customers are accessed no charges for this service. Account holders should be aware that this does not eliminate traditional service fees that might occur in the use of an account. You should refer to our listing of fees and account fees. A listing may be obtained from the bank's nearest office or by contacting us and requesting one through mail.
Heritage Bank reserves the right to make changes to the cost Internet Banking including Bill Pay or any services or products associated. In such case, a customer, will be given at least 60 days notification.
Bill Pay
As an Internet Banking customer, you will have immediate access to Bill Pay. Bill Pay allows account holders to pay your bills online by asking the bank or a third party contracted by us to distribute funds from one's account. The use of this service conveniently integrated with Internet Banking.
If customer choose to use Bill Pay, they should familiarize themselves with the policies and procedures of Bill Pay. This information is available in the following ways:
Heritage Bank does use third parties in the bill payment process. The following guidelines apply to this process in agreement with both Heritage Bank and any third party used as merchant support. In the event these policies change, you will be notified within 60 days of those changes taking affect.
Payment Inquiries
If you have a payment inquiry you should contact the Heritage Online help desk. This can be done by dialing 1-800-758-3532. Heritage Bank will review and research any questions.
Regulation E
Regulation E is the Federal Banking regulation that establishes the rights, liabilities and responsibilities of those parties involved in electronic transactions. Payments originated for Bill Pay are considered to fall under Regulation E. If one's payment inquiry cannot be resolved then customers may file a Regulation E. Upon making this request customers will be asked to provide detailed information to validate and help ensure the best possible research into the claim. Questions about filing a Regulation E or questions about transactions should be directed to Heritage Online help desk at 1-800-758-3532 or any heritage Bank branch.
Payee information
Customers are responsible for providing Heritage Bank with the proper information of those merchants to whom account holders wish the bank to distribute funds. Customers should be prepared to provide all the required information when adding payees to your payee lists. Heritage Online will not be responsible for typographical errors or other wrong information resulting in a payee not receiving funds from an account.
You may list as many as 40 payees to be set up in the system.
Payment Guarantee
It is the goal of Heritage Bank and those involved in assisting in providing Internet Banking to provide customers with the best possible service in paying their bills online. If then a scheduled payment does not reach the intended payee resulting in a late fee or finance charge, account holders may be eligible for the reimbursement of late fees or finance charges assuming all the terms and conditions of the Bill Pay system have been met.
Terms and Conditions of Payment Guarantee
The payment guarantee applies to late fees and/or finance charges associated with the late posting of a payment provided that the following conditions are met. The guarantee covers payments of $25,000 or less. If fees are payable on a payment in excess of $25,000, the amount of the fee pertaining to the first $25,000 will be calculated and reemitted to the payee.
Payments to these merchants are not permitted through the Internet Banking and Bill Payment Service.
- Tax entities
- Collection agencies
- Court-ordered payments such as alimony, child support, speeding tickets, etc.
- Payments to payees outside the United States
- Payments to these merchants are permitted but are not covered under the payment guarantee.
Payments to payees located it the Armed Forces postal codes such as AE and AP
In the case where Heritage Online or its supporting services assumes responsibility for a late payment, late fees and/or applicable finance charges will be paid on behalf of the user if the merchant is unable or unwilling to remove these charges from the account.
Please note that the guarantee does not imply that payments will be delivered and posted within 2 or 5 business days, since the delivery date may be controlled by the U.S. Postal Services and the posting dated is controlled by the merchant.
It is important to understand that neither Heritage Online nor its supporting merchants will be responsible for late charges, fees, or penalties if you the end user do any of the following:
Payee Participation
It is possible that a payee chooses not to participate with Heritage Online or its supporting merchants in regards to Bill Payment service. If we are unable to resolve this with a payee, Heritage will promptly notify account holders and will be discontinue any future transactions with the payee.
Cancellation of Payment or Transfer
If for any reason you choose to cancel any scheduled payment or transfer you must do so prior to that scheduled transfer or payment time. Questions, regarding these issues, can be addressed by contacting Heritage Online Customer Service at 1-800-758-3532.
E-Bills
At this time Heritage Online is unable to process any type of e-bill. We hope in the future to be able to offer this capability.
Service and Support
Heritage Online is proud to provide 24 hours a day, 365 days a year customer service. Heritage's customer service number is 1-800-758-3532. Any question not answered or request not completed can be addressed to a banker at any Heritage Bank branch.
Changes in Email address
Heritage Online's primary means of communication is through email addresses provided by users. If for any reason email addresses change, customers should immediately notify us via the new email address. Heritage Online is not responsible for information sent to customers on a timely manner that does not reach account holders do to their failure to inform Heritage of the new email.
Security of Online Password
Customers should never give their password to any Heritage Bank employee or any merchant asking on behalf of Heritage Bank. Any concerns regarding this matter you should be addressed immediately to the management at a local branch.
Disclosure of Account Information
Heritage Bank discloses information to third parties (i.e. support merchants) to assist in providing customers with Heritage Online and all products and services associated with electronic banking. Such services include but are not limited to:
Please refer to Heritage Bank's Electronic Fund Transfer Disclosure for all rules and policies concerning the reporting of errors or unauthorized transactions. All policies in regards to ATM's or other electronic means apply to Internet Banking also.
All errors or questions of unauthorized transactions should be reported immediately to Heritage Bank by calling a branch or (270)885-1171.
Contacting the Bank
For questions or concerns in which customers would like to contact the bank directly they may do so during regular business hours.
Heritage Bank
Internet Banking Department
P.O. Box 537
2700 Fort Campbell Boulevard
Hopkinsville, KY 42240