Transactions originated through Online Banking are governed by the Electronic Funds Transfer Act. The provisions of this Act were provided to you when you opened your account. Account security is controlled by the Online Banking ID assigned to you by the Bank (which you may change on-line) and the Personal Identification Number (PIN) which you selected on-line. You agree to protect your Online Banking ID and PIN and hold the Bank harmless from any unauthorized use. Information downloaded by you becomes your property and responsibility. A request for a transfer of funds made via Online Banking occurring after 7:00 p.m. will be posted the following business day. Only funds which are available, in accordance with the Bank’s Funds Availability Policy, may be transferred between accounts. Your use of Online Banking signifies that you accept the terms and conditions of Online Banking.