Access Your Accounts 24/7 With Online Banking

Consent to Agreement

This Coastal Carolina National Bank Online Banking Agreement governs your use of Coastal Carolina National Bank Online Banking website. Throughout this website, the Agreement will be referred to as “Agreement”. You agree to receive this Agreement and Initial Disclosures electronically. After you have carefully read this Agreement, you will be asked to consent to all the terms and conditions of this Agreement. Your accessing any of your eligible accounts through Coastal Carolina National Bank Online Banking acknowledges your receipt and understanding of this Agreement. We suggest that you print a copy of this Agreement for future reference.

The following definitions apply in this Agreement.

Access ID – The Bank-generated identification code assigned to you for your connection to the Service.
Bank – Coastal Carolina National Bank.
Bill Payment – The online service that enables the scheduling of bill payments using a personal computer.
Business Day – Our Business Days are Monday through Friday. Federal holidays are not included. You may access Online Banking 24 hours a day, seven days a week, except during periods of maintenance.
Business Day Cut-Off –For posting purposes, the Bank will process all transactions completed by 5:45 p.m. on that business date. Transactions completed after 5:45 p.m. Eastern Time, USA, including transfers, will be processed on the following Business Day.
Consumer Accounts – Means a demand deposit or other account in the name of an individual held for personal, family, or household purposes.
Online Banking – The Internet-based service providing access to your Bank account(s) with the Bank.
Password – Refers to the customer-generated code selected by you for use during the initial sign-on, or the codes you select after the initial sign-on, that establishes your connection to the Service Online Banking.
We, Us, or Our – Refers to Coastal Carolina National Bank and any agent, independent contractor, designee, or assignee the Coastal Carolina National Bank may involve in the provision of Coastal Carolina National Bank Online Banking.
You or Your – Refers to the individuals, corporations, partnerships, limited liability companies, and sole proprietorships subscribing to or using Coastal Carolina National Bank Online Banking.

Coastal Carolina National Bank Online Banking is available to our personal customers at no monthly charge for account information and transfers between accounts.

Coastal Carolina National Bank Online Banking is part of a network that utilizes a comprehensive security strategy to protect your accounts and transactions conducted over the Internet. In-depth information on many of the techniques and features employed by the system can be viewed and are explained in our Security Statement. In addition to our login security, we use SSL (secure socket layer) encryption technology for everything you do on the Coastal Carolina National Bank Online Banking system. Whenever SSL is securing your communications, the browser will typically indicate the “secure session” by changing the appearance of a small icon of a padlock at the bottom of the screen from open to locked. What this means to you is that your communications are scrambled from your browser to our servers at all times so no unauthorized party can read the information as it is carried over the Internet.

Coastal Carolina National Bank provides you with the ability to send emails to the Bank at customersupport@myccnb.com and receive e-mails from customersupport@myccnb.com. Online Banking uses a secure e-mail system. Please remember that we will not immediately receive an email sent by you. No action will be made on any email you send to us until we actually receive your message and have a reasonable opportunity to act on it. Do not use this manner of communication to report a lost or stolen debit card. Contact us by telephone at the number listed below. If you need to report your debit card lost or stolen after business hours, contact us at 1-800-554-8969. If urgent action is required, we recommend that you contact Coastal Carolina National Bank directly by telephone at 843-839-2265 between 8:30 a.m. and 5:00 p.m., Monday – Thursday and between 8:30 a.m. and 5:30 p.m, Friday or in person at a Coastal Carolina National Bank location. E-mail cannot, however, be used to initiate transactions on your accounts. From time to time, we may send important notices to you by secure email.

Security is very important to Coastal Carolina National Bank. When you login to Online Banking for the first time, you will use your account number and the last four digits of your social security number. You will then be prompted to select a new “Access ID” and “Password” that you will thereafter use to gain access to your accounts. Because your password is used to access your accounts, you should treat it as you would any other sensitive personal data. Your Access ID and Password should be eight to twelve characters that include one uppercase letter and one number. Keep your password safe. Memorize your password and never tell it to anyone. You will be prompted to change your password every sixty (60) days. If you would like to change your password more frequently, this can be done at any time, after you are logged in, from the “options” menu. Your session time is limited to sixty (60) minutes. But to help prevent unauthorized access and ensure the security of your accounts, we will end your online session if we have detected no activity for fifteen (15) continuous minutes. This is to protect you in case you accidentally leave your computer unattended after you log in. When you return to your computer, you will be prompted to re-enter your password and your session will re-start. It is very important that you properly log out of Online Banking by clicking the LOGOUT button at the top right of the screen. Logging out is the only way we know you have ended your session. If your Access ID and Password is dormant for a prolonged period of time, for security purposes, we may restrict access and require you to reapply. If Online Banking is not available due to malfunction of the system or circumstances beyond our control, you should access your accounts by other means such as visiting our branch, ATM access, check, debit card, our automated telephone banking service, or by telephoning us. Coastal Carolina National Bank and its third party providers are not responsible or liable for any expenses or losses incurred by you as a result of the on-line service being unavailable.

You may use the Online Banking to:

• Obtain Account balances
• Transfer funds between eligible accounts (checking, savings, money market) on a one-time recurring basis
• Transfer funds from checking, savings and money markets to make payments to your loan and/or line of credit
• Access to Bill Payment Services; Review transaction history
• Receive images of checks
• Send secure e-mail to customersupport@myccnb.com
• Print statements
• Download account information to personal software program.

You may use Coastal Carolina National Bank On-line Banking to check the balance of your accounts and transfer funds between your eligible accounts. The balances shown in your accounts may differ from your records due to deposits not available for withdrawal, outstanding checks or other withdrawals, payments or charges. If you have further questions, contact us at customersupport@myccnb.com

You may initiate an unlimited number of transfers from your checking account(s). For savings and money market accounts, applicable federal regulations impose certain limits to pre-authorized, automatic and telephone transfers (including online transfers) to six per statement cycle, no more than three of which may be made by check, draft, or similar order payable to third parties.

If a hold has been placed on deposits made to an account from which you wish to transfer funds or a restriction has been imposed, you cannot transfer the funds.

Telephone us at 843-839-2265
Write to us at: Coastal Carolina National Bank
2305 Oak Street
Myrtle Beach, SC 29577
Or E-mail us at customersupport@myccnb.com

You must contact Coastal Carolina National Bank immediately if you believe your receipt or statement is incorrect or if you need more information about a transfer listed on the statement. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem or error appeared. In contacting the Bank, you must:

• Tell us your name and account number. Describe the error or the transfer in question, and explain why you believe it is an error or why you need more information.
• Tell us the dollar amount of the suspected error.
• Tell us the date on which the suspected error appeared on your account statement.

If you tell us verbally, we will require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within ten (10) business days and will correct any error promptly. If more time is needed, however, we may take up to forty (45) days to investigate your complaint or question. If this occurs, we will provisionally credit your account within ten (10) business days for the amount you believe is in error. This will allow you use of the funds during the time it takes us to complete our investigation. If we do not receive your complaint or question in writing within ten (10) business days, we may not credit your account.

For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error if timely notification occurred.

We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. If we have given provisional credit, a corresponding debit will be withdrawn from your account.

Contact the Bank at once if you believe your Access ID and/or Password has been lost, stolen, used without your authorization, or otherwise compromised, or if someone has transferred or may transfer funds from your accounts without your permission. Contacting us by telephone is the best way to reduce any possible losses.

If you contact us within two (2) business days after you learn of the loss, theft, compromise, or unauthorized use of your Access ID and/or Password, your liability, or you should have learned, will not exceed fifty dollars ($50) if someone used your Access ID and/or Password without your permission. If you do not contact us within two (2) business days after you know, or should have known, of the loss, theft, compromise, or unauthorized use of your Access ID and/or Password, and we could have prevented someone from using your Access ID and/or Password without your permission, your liability could be as much as five hundred dollars ($500). If your statement shows transfers that you did not make, contact the Bank at once. If you do not tell the Bank within sixty (60) days after the statement was mailed to you, you will be held liable for the amount of any unauthorized transfer(s) made after the sixty (60) day time period if it is reasonable to conclude that the transfer(s) would not have occurred had you notified us within the sixty (60) day time period.

If you believe your Access ID and/or Password have been lost or stolen or that someone has transferred or may transfer money from your account without your permission, contact us at 843-839-2265 or write to:

Coastal Carolina National Bank
2305 Oak Street
Myrtle Beach, SC 29577

If we do not complete a transfer to or from your account timely or in the correct amount according to our Agreement with you when you have properly instructed us to do so, we will be liable for the dollar amount of the transfer or amount you lost; however, there are some exceptions. We will not be liable, for instance:

• If you have not properly followed the instructions on how to initiate a transfer.
• If, through no fault of the Bank, you do not have available funds in your account to complete the transfer.
• If the transfer would exceed the credit limit on your overdraft line, if applicable.
• Funds in your account are subject to legal process or other restrictions prohibiting the transfer.
• If you, or anyone authorized by you commits, or attempts to commit, any fraud or violates any law or regulation.
• If you believe someone has accessed your account(s) without your permission and you fail to notify the Bank immediately.
• If we have a reasonable basis for believing the unauthorized use of your Access ID and/or Password or account has occurred or may be occurring, or if you default under this Agreement or any other Agreement with us or if the Agreement is terminated by either party.
• If On-line Banking or your personal electronic devices were not working properly and you knew about the breakdown or malfunction when you initiated, or attempted the transfer.
• Circumstances beyond the Bank’s control prevent the proper completion of the transaction, despite reasonable precautions taken by the Bank. Such circumstances include, but are not limited to fire, flood, tornado, hurricane, power failure, quality of your telephone line, disconnections, delay in the U.S. Mail or other uncontrollable circumstances.
• Applicable laws and/or regulations exempting us from liability.

Provided none of the circumstances above are not applicable, if we cause an incorrect amount of funds to be removed from your account, our sole responsibility to you will be to return improperly transferred funds to your account.

THE BANK MAKES NO WARRANTIES WITH RESPECT TO ITS ONLINE BANKING SERVICE, NOR DOES THE BANK WARRANT THAT ITS ON-LINE BANKING WILL MEET SPECIFIC REQUIREMENTS OF A CUSTOMER. NEITHER DOES THE BANK MAKE ANY KIND OF WARRANTY, EITHER EXPRESSED OR IMPLIED, WITH RESPECT TO THE USE OF ITS ON-LINE BANKING. THE BANK EXPRESSLY DISCLAIMS ANY IMPLIED WARRANTIES OF MERCHANT ABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

We may, on a regular basis, perform maintenance on our equipment or the Online Banking system, which may result in interrupted service in Online Banking. We also may need to change the scope of our Online Banking services from time to time. We will attempt to provide prior notice of such interruptions and changes but cannot guarantee that such notice will be provided. We make no representation that Online Banking services will be uninterrupted or error free. Our sole obligation to you arising out of non-availability of Online Banking, or an interruption or delay in providing Online Banking shall be to use commercially reasonable efforts to resume such services. In no event shall the Bank or any of its officers, directors, employees, agents or subcontractors be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including lost profits arising in any way out of the installation, use, or maintenance of any computer equipment, the Online Banking service or your use of the Bank’s Online Banking services. However, nothing in this section is intended to limit your rights you may have under Federal law or otherwise provided in this Agreement.

You agree to indemnify and hold harmless the Bank against and in respect to any and all loss, liability, expense and damage, including consequential, special and punitive damages, directly or indirectly resulting from: (i) your use of its online banking service; (ii) any breach by you of the provisions of this Agreement; (iii) any dispute between you and any third party in connection with the use of the Bank’s online banking service; and (iv) any and all actions, suits, proceedings, claims, demands, judgments, costs and expenses (including attorney’s fees) incident to the foregoing. The terms of this Section will survive termination of this Agreement.

Except as set forth specifically in this Agreement, in no event will the Bank be liable to you for any damages, including lost profits, lost savings or other direct, indirect, incidental, special or consequential damages arising out of your use or inability to use it’s on-line banking service or for any claim by another party. The Bank’s duties and responsibilities in connection with its online banking service are limited to those described in this Agreement. The Bank will be deemed to have exercised ordinary care and to have acted reasonably if the Bank has acted in accordance with the terms of this Agreement and will be liable for loss sustained by customer only to the extent such loss is caused by the Bank’s gross negligence or willful misconduct. The Bank will not be liable for any consequential, special or punitive damages, regardless of the Bank’s act or omission. The Bank will have no liability for any loss or damage:

• Related to the dishonesty of your employees, officers or agents;
• Resulting from any receiving financial institution’s failure to accept any on-line banking transaction or request
• Resulting from any delay in the performance of this Agreement, which is caused by an act of God, fire or other casualty, electrical or computer failure, delays or failure to act by any carrier, medium or agent operating between the Bank and you, or between the bank and third parties, or any other condition outside the Bank’s control.

No third party will have rights or claims against the Bank under this Agreement. The terms of this section will survive termination of this Agreement.

The Bank is not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their personal computer and diskettes using a reliable virus product to detect and remove any viruses. Undetected viruses may corrupt and destroy your programs, files and even your hardware. Additionally, you may unintentionally transmit the virus to other computers.

The Bank may, from time to time, introduce new Online Banking services. We shall update this Online Access Agreement to notify you of the existence of these new Online Banking services. By using these Online Banking services when they become available, you agree to be bound by the terms contained in this Online Banking Agreement, as may be amended from time to time.

Through the Bank’s website, in addition to Online Banking, you can access a third party Bill Payment Service, which will allow you to electronically pay third parties. Bill payment transactions will be drawn against your account in accordance with the instructions you provide to the Bill Payment Service. If you elect to use the Bill Payment Service, in addition to this Agreement, you must agree to separate terms and conditions with the Bill Payment Service that will govern the relationship with your Bill Payment Service. These separate terms and conditions with the Bill Payment Service will govern among other things, applicable charges and fees imposed by the Bill Payment Service, permissible types of payments and limitations, liability for unauthorized transfers through the Bill Payment Service, dispute resolution, termination rights and contact information with the respect to the Bill Payment Service.

You may terminate your use of Online Banking at any time by calling the Bank at 843-839-2265, by visiting the Bank, or writing to us at Coastal Carolina National Bank, 2305 Oak Street Myrtle Beach, SC 29577. You must notify us within ten (10) days prior to the date you wish to have your On-line Banking terminated. Your request to terminate must be in writing, signed and dated by you and presented to the Bank.

We may terminate your access to Online Banking, in whole or in part, at any time without notice, if you do not comply with the terms of this agreement, or the Agreements governing your Accounts, if your account(s) is not maintained in good standing, or if we believe that you have handled your Account(s) in a fraudulent or improper manner. We may also terminate your access to Online Banking for any other reason by giving you twenty (20) days notice. Termination will not affect your liability under this Agreement for transactions that we have processed on your behalf.

This Agreement and the account or Online Banking you are accessing via Coastal Carolina National Bank will be governed by and interpreted in accordance with the laws of the State of South Carolina. You agree that all actions relating to this Agreement shall only be brought in the State of South Carolina.

This Agreement may not be assigned to any other party by you. We may assign or delegate, in part or whole, to any third party.

Terms and conditions of this Agreement may be amended, in whole or part, by the Bank at any time with thirty (30) days written or electronic notification to you prior to the change, or amendment, taking effect. If you do not agree with the change(s), you must notify us prior to the effective date to terminate your access. (See above “Termination” section) Amendments or changes to term(s) or condition(s) may be made without prior notice if they do not result in higher fees, more restrictive Online Banking use, or increased liability to you.

This Agreement supplements any other agreements or disclosures related to your account(s), including the Deposit Account Agreement and Disclosures. If there is a conflict between this Agreement and any others, or any statements made by employees or agents, this Agreement shall supersede.