To request access to Security Exchange Bank’s Consumer Online Banking service please complete the Consumer Online Banking Enrollment form after reading this agreement and instructions. After completing the application, mail, fax or deliver the signed form to:

Security Exchange Bank

Attn: Online Banking
833 South Cobb Drive
Marietta , GA 30062

Signature(s) are required on the application form; therefore we cannot accept applications via e-mail. By signing the Online Banking Enrollment form, you acknowledge having read the Security Exchange Bank’s Electronic Funds Transfer Disclosure. You should print these agreements and disclosures for your records and keep these notices for future reference.

Consumer Online Banking Agreement
‘Bank’, ‘we’, ‘us’, and ‘our’ mean Security Exchange Bank. ‘You’ and ‘your’ mean each depositor who contracts for the Consumer Online Banking service with us, or who uses or is authorized to use an Online Banking Identification Number and Online Banking Personal Identification Number (PIN), or other means of access which we establish or approve. The term ‘Online Banking’ refers to our service that allows you to obtain account information, review transaction activity, transfer funds, and perform other transactions over the Internet.

This agreement states the terms and conditions that apply when you use our Consumer Online Banking service. These terms and conditions are in addition to those terms and conditions that apply to any accounts you have with us or any other services you obtain from us, including those set forth in any deposit agreement. This agreement shall be governed by and interpreted under Georgia and applicable federal law. We reserve the right to amend or terminate the Online Banking service at any time. You further agree that all disclosures required to be given by the Bank under Federal Reserve Regulation E in writing for the Online Banking service may be provided by the Bank electronically through this agreement and the related disclosures.

You understand and agree that the security for the Consumer Online Banking service is controlled by the Online Banking User ID assigned by us, together with the Online Banking Personal Identification Number (‘PIN’) chosen, entered and maintained by you. You will be given a temporary PIN by the Bank the first time you use the Online Banking service. You will then be required to change this PIN to a PIN of your choosing. You are responsible for all transactions that you or any authorized user makes using this User ID and PIN. If you have given someone your Online Banking User ID and PIN and want to terminate that person's authority, you must change your Online Banking User ID and PIN or take additional steps to prevent further access by such person. You agree to use your best efforts to safeguard and protect your Online Banking User ID and PIN from unauthorized use.


You may use the Consumer Online Banking service to access your deposit accounts at the Bank which you own and from which you have an unrestricted right to withdraw funds. We reserve the right to limit the types of accounts that may be accessed and the types of transactions you may perform. You agree that if any account being accessed through the Consumer Online Banking service is jointly owned, then you will be bound by all transactions in the account authorized by any joint account owner.

You also understand that there is a maximum dollar limit on any payment or transfer that is equal to the available balance in your deposit account(s).

Online Banking Fees
There is no fee for the use of Security Exchange Bank’s Consumer Online Banking Service. You acknowledge that transaction limitations, as described in the Truth in Savings Disclosure you received when you opened your deposit account(s) or subsequently thereafter, apply to transfers or withdrawals from savings or money market accounts. Federal regulations limit transfers or withdrawals to six per statement cycle when initiated by telephone, electronic, or other preauthorized means. You acknowledge that an ‘excess transaction’ fee as disclosed in the above-mentioned Truth in Savings Disclosure, will apply to transactions that exceed the transaction limitation. You also acknowledge that if you exceed the restrictions on more than an occasional basis, we may close the savings or money market account and transfer the funds to a checking account.

Problems
If you believe an error has occurred, please call 770-419-3337 during regular business hours for assistance.