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Morrill & Janes Bank

Website Agreement

Any individual, organization or public entity that uses the Mjbtrc.com Web site (the “Web site”) does so subject to the following terms and conditions.

Use of Web Site. This Web site provides information about financial products and services available from or through MORRILL & JANES BANK AND TRUST COMPANY (“MJB”, “we” or “us”).

We may make changes to the products or services shown on this site at any time. Not all products and services we offer may be available in each of the locations where we do business, and products may not be available in every location on the same terms. Our products and services are offered only in jurisdictions where they may be lawfully offered.

No Personal Advice. This Web site contains general information about financial or tax topics, and in some places, we provide tools or calculators to help you see how different products may affect your finances. Since we can’t know all of your personal circumstances in an online session, nothing on this Web site is intended to provide personal financial, tax or legal advice. You must consult with your own financial, tax, insurance and legal advisors. We do not create a fiduciary relationship with you through your use of this site.

Links to Third Party Sites or Products. This Web site may provide links to Web sites controlled by third parties who are not MORRILL & JANES BANK AND TRUST COMPANY affiliates or subsidiaries. If we create such a link, the availability of the link is provided for your convenience. We will let you know when you are leaving our Web site. We disclaim liability for any information, materials, products or services offered at any of the third party sites linked to this Web site. Providing any links to a third party does not constitute an endorsement or sponsorship of any third party or their products, and does not create an affiliation or partnership between MORRILL & JANES BANK AND TRUST COMPANY and any third party. MJB does not warrant that any third party site or content is devoid of viruses or other contamination. Any transaction you conduct using the Third Party Site or through the Site are transactions entered into solely between you and the Third Party Site to which you are linked. MJB has no liability whatsoever for activities associated with such transactions. In some instances, MJB may receive a referral fee in connection with the Third Party Site.

You should also be aware that third parties have different privacy policies than MORRILL & JANES BANK AND TRUST COMPANY, and those third parties may treat your personal information differently than we do, and may have different information security practices.

No Warranty. We try to ensure that the information on this site is accurate and up-to-date. However, WE DO NOT WARRANT INFORMATION APPEARING ON THIS SITE OR SERVICES PROVIDED THROUGH THIS SITE FOR COMPLETENESS, TIMELINESS OR ACCURACY. ALL CONTENT IS PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ANY IMPLIED WARRANTY, INCLUDING BUT NOT LIMITED TO ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

Limitation of Liability. MORRILL & JANES BANK AND TRUST COMPANY WILL NOT BE LIABLE FOR ANY DAMAGES IF THIS WEB SITE IS UNAVAILABLE FOR ANY REASON, OR IF YOUR COMPUTER OR ANY PROGRAM YOU USE IS INFECTED BY A VIRUS OR OTHER MALICIOUS PROGRAM. IN NO EVENT WILL MORRILL & JANES BANK AND TRUST COMPANY BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES, OR ANY DAMAGES FOR LOSS OF USE, LOST DATA OR LOST PROFITS ARISING OUT OF OR RELATING TO THE USE OF THIS WEB SITE OR THE COPYING, DISPLAY OR USE OF INFORMATION ACCESSED THROUGH THIS SITE, WHETHER OR NOT MORRILL & JANES BANK AND TRUST COMPANY WAS ADVISED OF OR AWARE OF THE POSSIBILITY OF SUCH DAMAGES. THIS DISCLAIMER OF LIABILITY IS EFFECTIVE WITHOUT REGARD TO THE FORM OF ANY ACTION, INCLUDING BUT NOT LIMITED TO CONTRACT, NEGLIGENCE, TORT, STRICT LIABILITY OR ANY OTHER THEORY.

Unauthorized Use.Unauthorized use of our Web site and computer systems, including but not limited to unauthorized entry into our computer systems, misuse of passwords, or misuse of any information posted to this site, is strictly prohibited. Any attempted unlawful use may subject you to liability for damages and criminal prosecution.

Privacy Policy, Information Security and Online Fraud.Please review our Privacy Policy (MJB Privacy Policy) and information about the types of information we gather when people use our Web site, and suggestions for protecting the security of your personal information online. Please Contact Us immediately if you believe that you have been a victim of fraud or identity theft involving an account with us.

Internet Connection. You understand and agree that use of or connection to the Internet is inherently insecure and that connection to the Internet provides opportunity for unauthorized access by a third party to your computer systems, networks, and any and all information stored therein. You understand that the technical processing and transmission of the Site, including your content, may involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. All information transmitted and received through the Internet is subject to unauthorized interception, diversion, corruption, loss, access, and disclosure. MJB shall not be responsible for any adverse consequences whatsoever of your connection to or use of the Internet, and shall not be responsible for any use by you of an Internet connection in violation of any law, rule, or regulation or any violation of the intellectual property rights of another.

Email. Email may not be secure, so please do not use e-mail to send us communications which contain confidential information such as Account Number, Social Security Number, PIN and Passwords, or communications which require immediate attention. If you have questions about your existing MJB account, please call us instead. As a convenience to you we may provide some secure email forms to allow you to communicate some private information with us. Do Not send confidential information in an email that is not secure.

Children. The Site is not targeted to children (people under thirteen years of age), nor do we provide services or sell products intended for use or purchase by children. To the extent that any child-related services or products are available on the Site, they are for use or purchase by adults.

Other Service Agreements. If you are a MORRILL & JANES BANK AND TRUST COMPANY customer and access your account information or conduct transactions through this site, the terms and conditions of the particular service supplement these Web site terms and conditions. If these Web site terms and conditions conflict with the agreement or disclosures governing the particular service you receive from us, the terms, conditions and disclosures governing that particular service will control.

Jurisdiction; Entire Agreement. These Web site terms and conditions will be governed by and interpreted under the laws of the State of Kansas, USA, and other applicable federal laws. If any part of these terms and conditions is unenforceable, that part will be considered severable, and will not affect the validity of any remaining provisions.  The venue for any dispute shall be the State of Kansas.

Updates.We reserve the right to revise this Agreement at any time by updating this agreement online. Revisions will be effective as of the time the revised agreement is posted online. We are not required to notify you of changes to this Agreement before they become effective.

Copyright and Service Mark / Trademark.The content of this Web site, including but not limited to the text and images and their arrangement, are copyright © 2009 by Morrill Bancshares, Inc. All rights reserved. You may not copy the material on this site, upload, post, publish, transmit or distribute it in any way (whether electronically or otherwise) or create other works based on it, including but not limited to use as metatags on other pages or sites on the World Wide Web without MORRILL & JANES BANK AND TRUST COMPANY’s prior written consent. Copies made incidentally in the ordinary course of your use of this Web site (such as in cache memory) and a reasonable number of printed copies for your own personal or internal business use are permitted, provided you do not delete or change any copyright, trademark or other notices. Title to and all intellectual property rights in the material on this site remain in MORRILL & JANES BANK AND TRUST COMPANY and its licensees. The trademarks, logos and service marks (the “Marks”) displayed on the Web site are the property of MORRILL & JANES BANK AND TRUST COMPANY and other parties. 

Important Information About Opening A New Account

Please read this information on the U.S. Patriot Act.
 

Things You Can Do To Protect Your Identify

You are responsible for keeping your password, account number, personal information and account data confidential. Protect your personal and financial information. When someone takes your personal financial information, account or card numbers, social security number, etc., they will attempt to steal or defraud your assets and identity with unauthorized or fraudulent transactions. When you notice an unauthorized transaction on your MJB card or account, notify us immediately at the numbers provided on our website or in the account agreements or statements. Things you can do to help protect your personal and financial information include:

  1. Check your credit report. The Fair Credit Reporting Act requires each of the three national credit reporting companies to provide consumers with a free copy of their credit report once every 12 months (visit www.annualcreditreport.com).
  2. When you conduct transactions or purchases on-line, avoid passwords that include personal information, such as mother's maiden name or date of birth. Instead, use something unique that only you know.
  3. Don't give out personal information over the phone, through the mail, or on the Internet unless you've initiated the contact and are sure you know who you're dealing with. If you must share personal information, confirm that you are dealing with a legitimate organization.
  4. Don't use your Social Security Number on your driver's license or other forms of identification.
  5. MJB and other banks will not ask you to verify personal information over the phone or via email. If you receive a phone call or email asking you to verify information, end the call, do not respond, and call the bank directly.
  6. If you receive an e-mail asking for personal information, do not hit the reply button or click on any website link in the e-mail. Instead, go directly to the sender's website by typing in the sender's website address. Be sure to enter the website link that you know is valid, not necessarily the one mentioned in the e-mail.
  7. Protect your personal information. Don't leave sensitive documents containing personal information where anyone can see it. Sign-up to receive electronic bills and statements when possible to reduce possibility of thieves stealing information from your mailbox. Use online bill payment and check cards to reduce the number of checks you write – your checks contain personal and financial information that could be used by criminals.
  8. Use a shredder before disposing of personal records, especially financial records - preferably a cross-cut shredder (thieves have been known to paste together single-shred documents to obtain information).
  9. When going on vacation, temporarily stop mail delivery; the U.S. Postal Service will hold mail for you.
  10. Don't use an automatic log-in feature on your computer. Make sure you are using a hardware or software firewall and put as much security in place as possible to protect your wireless or cable Internet connections. 

If You Become A Victim of Identity Theft

If you are a victim of identity theft, take the following four steps as soon as possible, and keep a record with the details of your conversations and copies of all correspondence.

Place a fraud alert on your credit reports, and review your credit reports.

Fraud alerts can help prevent an identity thief from opening any more accounts in your name. Contact the toll-free fraud number of any of the three consumer reporting companies below to place a fraud alert on your credit report. You only need to contact one of the three companies to place an alert. The company you call is required to contact the other two, which will place an alert on their versions of your report, too. If you do not receive a confirmation from a company, you should contact that company directly to place a fraud alert.

  • TransUnion: 1-800-680-7289; www.transunion.com; Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790
  • Equifax: 1-800-525-6285; www.equifax.com; P.O. Box 740241, Atlanta, GA 30374-0241
  • Experian: 1-888-EXPERIAN (397-3742); www.experian.com; P.O. Box 9532, Allen, TX 75013

Once you place the fraud alert in your file, you're entitled to order one free copy of your credit report from each of the three consumer reporting companies, and, if you ask, only the last four digits of your Social Security number will appear on your credit reports. Once you get your credit reports, review them carefully. Look for inquiries from companies you haven't contacted, accounts you didn't open, and debts on your accounts that you can't explain. Check that information, like your Social Security number, address(es), name or initials, and employers are correct. If you find fraudulent or inaccurate information, get it removed. See Correcting Fraudulent Information in Credit Reports to learn how. When you correct your credit report, use an Identity Theft Report with a cover letter explaining your request, to get the fastest and most complete results. 

Continue to check your credit reports periodically, especially for the first year after you discover the identity theft, to make sure no new fraudulent activity has occurred. The Federal Trade Commission maintains a website devoted to helping protect and recover from Identity Theft. For more information visit their website at http://www.ftc.gov/bcp/edu/microsites/idtheft/consumers/index.html.
 

Morrill & Janes Bank Security Practices

At Morrill & Janes Bank, we take the security of your account very seriously. Protecting your privacy is important to MJB and to our employees. We guard against unauthorized access to client information, and we are committed to taking the appropriate action to prevent fraud.

Read our Privacy Statement to learn how we protect your account information.

As a general business practice, Morrill & Janes Bank will never contact you via email, text messaging, instant messaging or its website to request your user ID, password, social security number or any other personal information. If you should ever receive such a request, please do not provide the requested information and please notify the MJB immediately. If you have any questions or concerns about any unsolicited email, unsolicited phone calls or text messages that you receive, please call 1.877.372.8384 or send an email to frauddivision@mjbtrc.com (remember not to include any account numbers in your email).

 

What We Do To Protect Your Information

SSL Technology

To assure the privacy and security of your account information, MJB employs: 128-bit Secure Socket Layer (SSL) technology, which encrypts your data so that it is unreadable as it travels across the Internet. SSL also authenticates the server with which you're communicating, so you can be sure that your information is going to MJB and not to another location.

eBanking on the Internet and through Your Mobile Device

Our eBanking incorporates the following security practices:

  • Multiple firewalls: protect our systems from unauthorized access.
  • Unique User ID and Password: known only to you.
  • "Time-Out" feature: automatically logs you out of our system after a period of inactivity.
  • Multi-Factor Authentication: incorporates something only you have or know, in addition to unique user ID and password, such as a personal image and pass phrase or a token.