information, we recommend that you use the “Mailbox” link to E-mail us when asking specific questions about your account(s).
You cannot use E-mail to initiate transactions on your account(s). For banking transactions, please use the appropriate functions within Focus Online Banking or contact our eCommerce Department at (401)-845-2265 or 1-877-709-2265 outside the Newport County area.
C. Fees
There are no monthly or transaction fees for accessing your account(s) through Focus Online Banking. Please note that your Internet Service Provider (ISP) may assess fees. You are responsible for all Internet connection charges, including telephone charges, incurred when accessing your accounts through Focus Online Banking.
D. New Services
Focus Online Banking may, from time to time, introduce new online services. We will notify you of any new services and will provide you with the appropriate Access Agreements at that time.
E. Benefits of Using Focus Online Banking
With Focus Online Banking, you can manage your personal or business accounts from your home or office on your personal computer. You can use Focus Online Banking to:
- View account balances and review transaction history.
- Transfer money between BankNewport accounts.
- Transfer money to anyone who has a BankNewport account in which you are not a signer. *
- Communicate directly with Focus Online Banking through E-mail.
*Not available to Business Customer with Employer ID number (EIN)
III. Terms and Conditions
The first time you access your BankNewport accounts through Focus Online Banking you agree for that and all future access to be bound by all the terms and conditions of this agreement and acknowledge your receipt and understanding of this disclosure.
A. Your Password
You will select a Password for Focus Online Banking that will give you access to your BankNewport accounts. This password can be changed within Focus Online Banking using the “Options” link and recommend that you change your password regularly. BankNewport will require you to change your password every 180 days. For security purposes, it is recommended that you memorize this password and do not write it down. You are responsible for keeping your password, account numbers and other account data confidential and secure. For business customers with a Tax ID, you have the ability to create access accounts for sub users for your business and therefore should never share your access information. You are responsible for maintaining access rights for these sub user accounts such as sign on IDs, passwords and the like.
B. Payment Account
Although there are no fees for accessing your accounts through Focus Online Banking you may be assessed fees for optional services you utilize such as our Bank2Bank, Billpayperless, expedited check payments, gift checks, account 2 account payments and charitable donations. You agree to pay all fees and charges for services provided under those optional service agreements, and authorize us to charge the account for which you utilized the services.
Your online access may be canceled at any time without prior notice due to misconduct in one of your accounts. If you do not access your BankNewport accounts through Focus Online Banking for six months, BankNewport reserves the right to cancel your service without notice. Please note that all information within Focus Online Banking Services will be removed from your view if your service is canceled. If you are a business user and created sub users, these users will lose the ability to view and access the information.
If you wish to cancel any of the Focus Online Banking services offered through BankNewport, please contact our eCommerce Department at (401) 845-8616 or 1-877-709-2265(option 4) outside the Newport County area or send us cancellation instructions in writing to BankNewport, Attn: eCommerce Department, 12 Turner Rd., Middletown, RI 02842.
C. Our Liability
Except as specifically provided in this Agreement or where the law requires a different standard, you agree that neither we nor the service providers shall be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, BankNewport, OR by Internet browser providers such as Mozzilla (FireFox) and Microsoft (Microsoft Internet Explorer), OR by Internet access providers OR by Online service providers OR by an agent or subcontractor of any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the equipment, software, the online financial services, or internet browser or access software.
D. Overdrafts: Order of Payments, Transfers, and Other Withdrawals
If your account has insufficient funds to perform all electronic fund transfers (ATM withdrawals, pre-authorized transactions, Focus Online Banking transfers and bill payments and the like) that you have requested for a given business day, then:
1. Certain electronic fund transfers involving currency disbursement, like ATM withdrawals, will have priority, and
2. The electronic fund transfers initiated through Focus Online Banking may result in an overdraft of your account and may, at BankNewport 's discretion, be canceled.
In addition, you will be charged the same overdraft charges that apply to your account.
E. Hours of Accessibility
You can access your BankNewport accounts through Focus Online Banking seven days a week, 24 hours a day. However, on occasion, some or all of Focus Online Banking may not be available due to system maintenance.
A transfer initiated through Focus Online Banking before 12:00 AM EST on a business day is posted to your account the same day. All transfers completed at/after 12:00 AM EST on a business day or on a Saturday, Sunday or banking holiday will be posted on the next business day.
Our business days are Monday through Friday. Saturday, Sunday, VJ Day and Federal holidays are not included as a business day.
F. Additional Terms and Conditions
Obtaining account balance and transaction history - You can obtain balance and transaction history on all eligible accounts. Current balance and transaction history is available as of the current business day excluding some pending POS or Debit Card transactions.
Transferring Funds - The number of transfers from a savings account is limited as described in the Deposit Agreement and Disclosure. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.
IV. General Terms
A. Changes to Charges, Fees or Other Terms
We reserve the right to change the charges, fees or other terms described in this Agreement. However, when changes are made to any fees or charges, we will notify you online, or send a notice to you at the address shown on our records, or send you an electronic mail message (E-mail). The notice will be posted or sent at least thirty (30) days in advance of the effective date of any changes to fees for Focus Online services, transactions, or of any stricter limits on the type, amount or frequency of transactions or any increase in your responsibility for unauthorized transactions, unless an immediate change is necessary to maintain the security of the system. If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with electronic or written notice within thirty (30) days after the change. As always, you may choose to accept or decline changes by continuing or discontinuing the accounts or services to which these changes relate. We also reserve the option, in our business judgment, to waive, reduce or reverse charges or fees in individual situations. Changes to fees applicable to specific accounts are governed by BankNewport's Deposit Agreement and Disclosure.
B. Disclosure of Account Information
We may disclose information to third parties about your account: (a) where it is necessary for completing a Bill Payment; (b) in order to verify the existence of and condition of your account for a third party, such as a credit bureau or merchant; (c) in order to comply with a government agency or court order, or; (d) if you give us your written permission.
C. Error Resolution Notice
In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed below, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
(1) Tell us your name and account number (if any).
(2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
(3) Tell us the dollar amount of the suspected error.
If you tell us verbally, we may require that you send us your complaint or question in writing within 10 business days.
Here's what we will do:
We will determine whether an error occurred within ten 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 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 and we will debit your account for any prior credit provided, as set forth above. You may ask for copies of the documents that we used in our investigation by contacting us via one of the following ways:
BankNewport
DEPOSIT SERVICING DEPARTMENT
P.O. Box 450
Newport, Rhode Island 02840
Send a message to our eCommerce Department by utilizing the "Mailbox" link within your Online Banking.
Send an electronic mail (E-mail) to our eCommerce Department at intouch@banknewport.com.
Business Days: Monday through Friday
Excluding Federal Holidays and Victory Day (2nd Monday in August)
Phone: (401) 845-2265 or 1-877-709-2265
More Detailed information is available on request
For other general Online Banking questions contact us via one of the ways listed above.
D. Other General Terms
If we do not complete a transfer to or from your BankNewport account on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages. However, there are some exceptions. We will not be liable, for the following:
- If, through no fault of ours, you do not have enough money in your account to make a transfer
- If a legal order directs us to prohibit withdrawals from the account
- If your account is closed or if it has been frozen
- If the transfer would cause your balance to go over the credit limit for any credit arrangement set up to cover overdrafts
- If you, or anyone you allow, commits any fraud or violates any law or regulation
- If any electronic terminal, telecommunication device or any part of the electronic fund transfers system is not working properly
- If you have not properly followed the instructions for using Focus Online Banking
- If circumstances beyond our control (such as fire, flood or improper transmission or handling of payments by a third party) prevent the transfer, despite reasonable actions taken by us
Other Agreements - In addition to this Agreement you agree to be bound by and will comply with the requirements of the applicable Deposit Agreement and Disclosure, the Bank's rules and regulations, the rules and regulations of any funds transfer system to which the Bank partners with, and applicable State and Federal laws and regulations. We agree to be bound by them also.
BankNewport reserves the right to terminate this agreement - The Bank reserves the right to terminate this Agreement and your access to Focus Online Banking, in whole or in part, at any time without prior notice.
V. Protecting Your Account
A. Preventing Misuse of Your Account
Your role is extremely important in the prevention of any wrongful use of your account. You must promptly examine your statement upon receipt. If you find that your records disagree with our records, you must immediately contact us via one of the methods listed in the Error Resolution Notice section.
Protecting Personal Information - In addition to protecting your account information, you should also take precautions to protect your personal identification information, such as your driver's license, Social Security Number and the like. This information by itself or together with information on your account may allow unauthorized access to your account(s). It is your responsibility to protect personal information with the same level of care that you protect your account information.
Taking Care of Your Password - The password that is used to gain access Focus Online Banking should also be kept confidential. For your protection, you will be required to change your password every 180 days. It is recommended that you memorize this online password and do not write it down.
You are responsible for keeping your password, account numbers and other account data confidential and secure. If you believe that your password may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, notify our eCommerce Department at (401) 845-8616 or 1-877-709-2265(option 4) outside the Newport County area.
B. Unauthorized Transactions in Your BankNewport Accounts
Notify us immediately if you believe another person has improperly obtained your SignOn ID, password and/or SafeBank information. Also notify us if someone has transferred or may transfer money from your account without your permission, or if you suspect any fraudulent activity on your account. Only reveal your account number to a legitimate entity for a purpose you authorize (such as your insurance company for automatic payments). To notify us, contact our eCommerce Department at 401-845-8616 or 877-709-2265 (option 4) outside the Newport County area, or write to BankNewport, Attn: eCommerce Department, 12 Turner Rd., Middletown, RI 02842.
If your statement shows withdrawals, transfers or purchases that you did not make or authorize, please notify us immediately. If you do not notify us within sixty (60) days after the statement was sent to you, and we could have stopped someone from taking money if you had told us in time, you may not get back any money lost after the sixty (60) days. If extenuating circumstances such as a long trip or hospital stay kept you from telling us, the time periods in this section may be extended.
C. Security Policy
We have taken significant measures to help ensure that your personal information remains confidential and secure within our data center. We strive to use state-of-the-art networks, data, and physical security practices to protect your data to the best of our ability.
- Security Overview
We make a concerted effort to ensure that your information is protected. We use industry standard procedures and processes to safeguard your personal information by using intrusion detection software, secure firewalls, FIPS 140-1 Level 2 encryption of sensitive information, internal controls, and by monitoring the network for unauthorized access attempts. We also employ SSL encryption to ensure that information passed between our site and your browser is secure.
- Physical Security
All servers involved in gathering, storing, and providing the data to you are operated in a secure data center that has restricted access to authorized personnel only. Our data center is monitored 24 hours per day and only certified employees are permitted on premises through the use of a picture ID and electronic access. A record is kept of all personnel who have entered the secure data center. Access to servers requires multiple levels of authentication and sensitive data including your access credentials and account numbers are always stored in encrypted format at all times. Our employees are made aware of our security policy's procedures and practices through their acceptance on a yearly basis that they have carefully reviewed and abide by it.
- Firewalls
All external access to our internal network must go through firewalls. Additional firewalls are used to secure access to the application and database from internal sites within our institution. Our firewalls are regularly tested to insure that they are able to protect your personal information from unauthorized external and internal access.
- Intrusion Detection
We use an Intrusion detection system to continuously monitor unauthorized attempts to access our site.
- Secure Communications Between Systems
We use SSL to securely encrypt and protect all communications between your browser and our web servers.
- Internal Business Practices
We store all access credentials in an encrypted format on a secure data warehouse. Only a few authorized individuals have access to the data warehouse and no one except you can ever see the access credentials that you have provided. We require all users to provide an ID and password using both alpha and numeric characters to prevent easy guessing of passwords by unauthorized individuals. If you ever lose or forget your password, we allow only you to reset it by first accessing a token sent only to your email address on record and then providing the answer to your secret question.
- Questions
If you have any questions about our security procedures you can contact us via email at intouch@banknewport.com or by contacting our eCommerce Department at (401) 845-8616 or 1-877-709-2265(option 4) outside the Newport County area. Be sure to provide your name, contact information, and clearly state the question. We will make a concerted effort to answer your questions.