By signing the GOLDNET Banking application, you represent that you understand and agree to be bound by all of these terms and conditions.  In this agreement, “you” and “your” refer to an existing customer of Commercial State Bank.  “We,” “our,” “us” and “bank” refer to Commercial State Bank.  You may use your computer to make transfers, inquires, bill payments or downloading of your statement.  Your access to and use of this site are subject to these terms and conditions. Access is limited to individuals who are authorized signers on the account.

Our business days are Monday through Friday. Holidays are excluded.

Access ID and password

Your access ID and password are for your exclusive use only. You are assigned an Access ID and temporary password to access GOLDNET Banking at your first login. At your first login you will be required to change your temporary password. Do not reveal your Access ID or password to anyone.

• Do not select a password that someone may guess
• Never share your Access ID and password
• Do not write them down for others to view
• Do not use a password such as birth dates, children’s names, pet names, etc.
• Password must be at least 8 characters with alpha/numeric characters with at least 1 character being a number. (Ex. G12ntdn3,C2s90bb)
• Notify bank immediately if your password is compromised.
• After three unsuccessful login attempts your account will be locked out.
• You will be required to change your password every 90 days.
• Password is case sensitive

Our Liability
We will not be liable for failing to complete a transfer to and from your account:

• If, through no fault of ours, you do not have enough money in your account to make the transfer
• If you have an overdraft line and the transfer would go over the credit limit
• If the automated teller machine where you are making the transfer does not have enough cash
• If the terminal or system was not working properly and you knew about the breakdown when you started the transfer
• If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken
• There may be other exceptions stated in our agreement with you.

Customers Responsibility and Liability
You are responsible for all transactions that you authorize or make using GOLDNET Banking. If you permit other people to use Internet Banking or your Access Code and password, you are responsible for any transactions they authorize from your accounts, including any losses, charges, or penalties incurred. You should notify the bank immediately if you believe someone has accessed your account(s) without your permission. Contact the bank immediately, especially by telephone to help reduce the potential losses.

If you contact us within 2 business days, you can lose no more than $50.00 if someone used your access code and password without your permission. If you do NOT contact us within 2 business days after you learn of the unauthorized use and we can prove we could have stopped the unauthorized access, then you could be liable up to $500.00. Also, if your statement shows transfers that you did not make, tell us at once.  If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time.

You are liable for all transactions you make or that you authorize another person to make using bill pay even if that person exceeds his or her authority.  You will be responsible for any Bill Payment request you make that contains an error or is a duplicate of another Bill Payment.  Commercial State Bank is not responsible for a Bill Payment that is not made if you did not properly follow the instructions for making a Bill Payment.  Commercial State Bank is not liable for any failure to make a Bill Payment if you fail to promptly notify the bank after you learn that you have not received credit from a Payee for a bill payment.

Loss of Access Code and Password
If you believe your Access Code and password have been lost or stolen, please contact:
                In writing to: Commercial State Bank, P O Box 150 El Campo, Texas 77437
                or Call 979-543-6441 Customer Service
 
Security
It is recommended that your computer system utilize 128-bit encryption system for better performance.  We use an automatic logoff feature that will automatically log you out of GOLDNET banking service after 15 minutes of inactivity. After three unsuccessful login attempts, your account will be locked out.  You must then contact a Commercial State Bank customer service representative to reset your password. In order to use GOLDNET banking you must have an account at Commercial State Bank.

Changes and Amendments
We may change the terms of this Agreement. For other changes, we will give you reasonable notice in writing or by any other method permitted by law. If changes become permanent, we will mail you a written notice with your next scheduled statement.

Terminations
GOLDNET and Bill Pay Banking services will be discontinued upon receipt of your written request sent to: Commercial State Bank P O Box 150, El Campo, and Texas 77437. We may at any time with or without cause or prior notice to you, terminate your GOLDNET banking service.   Commercial State Bank is not responsible for any fixed payments made before Commercial State Bank has a reasonable opportunity to act on your termination notice.   You remain obligated for any payments made by Commercial State Bank on your behalf.

Errors
In case of errors or questions regarding Commercial State Bank GOLDNET Banking transactions, please contact Customer Service at 979-543-6441 or 281-346-0221, Monday thru Thursday 8:00 am to 4:45 pm, and Friday 8:00am-6:00 pm.  Please mail us a letter if unable to call to: Commercial State Bank, P O Box 150, El Campo, TX 77437. If you think your statement or receipt is wrong, we must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. In any communication about problems or errors, please provide the following:
                Your name and account number(s)
                Describe the error or the transfer you are unsure about, explain as clearly as you can why you believe it is   
                an error, or why you need more information
                The type, time, date, and dollar amount of the transaction of the suspected error.
 
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days (5 business days for Visa Check Card point of sale transactions and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point -of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for Visa Check Card point-of-sale transactions and 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.  If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.

You may ask for copies of the documents that we used in our investigation.

Bill Pay Payments
 
When scheduling payments, you must select a payment date that is no less than 7 to 10 business days before the actual due date, not the past due date or grace period.  The daily cut-off time is 2:00 pm.  Any payments submitted after the cut-off time will be processed on the following business day.
 
A payment may be canceled no later than 2:00 pm on the payment date by contacting the bank.

If you choose to stop a payment, a stop payment fee of $30.00 will be charged per bill payment you wish to cancel.