Terms and Conditions

THE FOLLOWING TERMS AND CONDITIONS GOVERN YOUR USE OF THIS WEBSITE AND ALL AFFILIATED WEBPAGES AND WEBSITES. PLEASE READ THEM CAREFULLY BEFORE ACCESSING THIS WEBSITE OR ITS AFFILIATED WEBPAGES AND WEBSITES. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, EXIT THIS WEBSITE IMMEDIATELY AND REFRAIN FROM FUTURE ACCESS. BY ACCESSING THIS WEBSITE OR ANY OF ITS WEBPAGES OR AFFILIATED WEBSITES, YOU HEREBY AGREE AND ARE LEGALLY BOUND BY THE FOLLOWING TERMS AND CONDITIONS:


This Website and its associated information, text, graphics, photographs and/or computer program software is provided solely for the informational use of the user and customers of Citizens National Bank. The re-transmission, storage, modification, copying or other unauthorized use of the information presented herein without the written consent of Citizens National Bank is prohibited and may be a violation of federal trademark and/or copyright law. Transmissions, transactions, and other communications to Citizens National Bank through this website or as part of Internet Banking are protected by Secured Socket Layer encryption. 


Unauthorized access to Citizens National Bank or its NetTeller Internet Banking is prohibited and may result in criminal and/or civil prosecution. Citizens National Bank reserves the right to monitor, and/or record any and all transmissions, transactions, communications and other activity occurring on the website, this home page, and/or as part of Internet Banking without prior notice or authorization. Any information obtained by such monitoring and/or reviewing may be forwarded, at the sole discretion of Citizens National Bank, to appropriate law enforcement organizations. If you do not consent to such monitoring and/or reviewing, please exit immediately.


To access CNB's NetTeller Internet Banking service, you must use the identification number and/or other means of access CNB establishes or provide for your account, as well as a password you select that meets the password criteria. Anyone to whom you give your NetTeller ID and password or other means of access, including usage of your account via a mobile device, will have full access to your accounts even if you attempt to limit that person’s authority. You are responsible to strictly establish and maintain procedures to safeguard against unauthorized transactions. If you permit other persons to use the Services with your User ID, Password or other means to access your account, you are responsible for any transactions they authorize.


If you believe your NetTeller ID and/or password has been compromised, or that someone may attempt to use NetTeller without your consent or has transferred money without your permission, or you suspect any fraudulent activity on your account, contact Citizens National Bank immediately at 1-800-733-6595 or via e-mail at staff@cnb-online.net. Contacting CNB is the best way of minimizing your losses and liability. If you believe your password has been compromised, please use the password change feature by navigating to the Settings tab on your NetTeller and changing your personal settings.


You are solely responsible to maintain computer hardware and software required to access Citizens National Bank's Website and its NetTeller Internet Banking services, including but not limited to World Wide Web access via a secure Internet Service Provider (ISP), an Internet browser that supports a minimum 128 bit encryption standard, firewall protection, anti-virus software, anti-spyware software, and a valid e-mail address required to access CNB NetTeller.


You are solely responsible to maintain your mobile access device, supportable cellular telephone, personal digital assistant (PDA), tablet computer, or other type of wireless communication or mobile handheld device that is web enabled, is capable of conducting Internet banking transactions via our NetTeller GoDough mobile banking, allows secure SSL traffic, Wireless Application Protocol "WAP", and other protocols that CNB may select or approve from time to time, and is capable of receiving text messages (SMS) required to access the Services.


You agree to take every precaution to ensure the safety, security and integrity of your account and transactions when using this website or NetTeller. You agree not to leave your computer or mobile device unattended while logged into NetTeller, and to log off immediately at the completion of each access. You agree not to provide any of your access information to any unauthorized person. If you permit other persons to use your computer, mobile device, login information, or any other means to access this website or NetTeller, you will be held responsible for any transactions they authorize and CNB will not be liable for any damages that occur. CNB makes no representations that NetTeller will be available for use in locations outside of the United States. Accessing NetTeller from locations outside of the United States is at your own risk. You agree not to use this website or NetTeller or the content or information delivered through CNB NetTeller Internet Banking in any way that would be considered illegal.


Citizens National Bank’s Website, NetTeller Internet Banking’s Website, and the services therein, may contain links to other websites, both affiliated and unaffiliated. These website links are provided to you solely as an additional convenience. You acknowledge by clicking on or activating any links, you will leave Citizens National Bank’s NetTeller Internet Banking website and will be redirected to other websites. CNB does not review, approve, endorse, or control any information or content contained within these linked websites. Citizens National Bank, its affiliates, and its partners are not responsible for the content of these websites or any information provided therein, and CNB makes no representations, warranties, or guarantees concerning your usage of these linked websites.


All information, including but not limited to text, graphics, photographs and computer program software, contained herein and/or displayed on these pages is protected by the Copyright laws of the United States of America, codified at Title 17, United States Code. This information is also protected with respect to information displayed or downloaded in countries foreign to the United States of America, under the copyright laws of those countries, and pursuant to the Berne Convention and other international treaties. All rights in and to this information are reserved by Citizens National Bank, a CNB Holdings, Inc. bank. The display or use of any trademarks, graphics, logos, pictures, service marks, calculators, instructions, icons, page headings, computer program software, other images or text in association with this site does not grant permission to copy, use, publish or republish the information or grant a license of any kind to the reader or user. 


If you have any additional questions concerning our terms and conditions, please contact us.


The Unlawful Internet Gambling Enforcement Act of 2006 (UIGEA)

Important Information for Commercial/Business Customers: This notice is provided in accordance with Regulation GG: The Unlawful Internet Gambling Enforcement Act of 2006.


It is the policy of The Citizens National Bank of McConnelsville (“The Bank” or “CNB”) to adhere to the Unlawful Internet Gambling Enforcement Act of 2006 (“UIGEA” or “Act”), 31 USC 5361-5366, and set forth policies and procedures for complying with the joint rule promulgated pursuant to the Act by the Department of the Treasury (Treasury) and the Board of Governors of the Federal Reserve System (Federal Reserve Board). An identical joint rule is published in two parts of the Code of Federal Regulations (12 CFR Part 233 (Federal Reserve Board) and 31 CFR Part 132 (Treasury)). This supervisory guidance is issued by the Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, National Credit Union Administration, and Office of the Comptroller of the Currency and Office of Thrift Supervision.

 

The UIGEA prohibits any person or legal entity engaged in the business of betting or wagering from knowingly accepting payments in connection with the participation of another person in Unlawful Internet Gambling, as defined in The Act. As defined in Regulation GG, "Unlawful Internet Gambling" refers to the customer "placing, receiving, or otherwise knowingly transmitting 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 the State or Tribal Lands in which the bet or wager is initiated, received, or otherwise made." As a customer of The Bank, these restricted transactions are prohibited from being processed through your account or during your banking relationship with CNB. If you or your business engages in Internet gambling and open an account or establishes a banking relationship with CNB, we will ask that you provide evidence of your legal capacity to engage in Internet Gambling.

 

CNB may choose to terminate any account relationship with an individual or commercial customer if they are discovered to have engaged in Unlawful Internet Gambling or any other illegal activities.