E-Banking Terms and Conditions

To continue the e-Banking registration process, you must accept the following terms and conditions. Please read them carefully. Any other terms and conditions of your other accounts will continue to remain in effect.

To complete your e-Banking registration, read this agreement and click on the "Accept" button to accept the terms of this agreement. Please note that you must click on the “Accept” button in order to process your application.

It is your responsibility to review the e-Banking Agreement from time to time to be aware of any term modifications. Your continued use of the service will indicate your agreement to any such change.

Consumer Rights

Please be advised that by clicking on the accept button, you are consenting to receive the disclosures in Section IV of this agreement electronically. Please be aware of the following rights:

  • You have a right to receive the disclosures in Section IV of this agreement on paper.
  • You have the right to withdraw the consent to electronically receive the disclosures in Section IV at no charge. If you elect to withdraw the consent to receive these disclosures electronically, you must withdraw the consent in writing and send the withdrawal of consent to:
    The Equitable Bank
    Electronic Banking Department
    2290 N. Mayfair Road
    Wauwatosa, WI 53226
  • If you wish to receive a paper copy of the Section IV disclosures, please send a written request to receive the disclosures with the consent withdrawal.

I. Introduction

A. Agreement.

This Agreement contains the terms and conditions that apply to your use of The Equitable Bank's e-Banking service. The terms and conditions contained in this Agreement are in addition to any and all terms, conditions, rules and regulations that apply to any accounts or services you obtain from The Equitable Bank, SSB. Your registration for use of the e-Banking service constitutes your acknowledgment and agreement with the terms and conditions of this Agreement.

B. Modifications to this Agreement.

The Equitable Bank reserves the right to change the terms and conditions of this Agreement at any time. When material changes are made, we will update this Agreement and send you a notice at the address shown on our records, or we may notify you by e-mail. Revised terms and conditions shall become effective at the earliest date allowed by applicable law or regulation.

C. Definitions.

Account(s) - Your Equitable Bank deposit and loan accounts that may be accessed via e-Banking.

Agreement - refers to this document.

We, US, Our or Bank - refers to The Equitable Bank, SSB.

e-Banking - is the Internet based service that provides access to your Equitable Bank accounts.

II. Access to e-Banking

A. Registration.

To access your Equitable Bank accounts via e-Banking, you must first register for the service. Registration includes your selection of an "Access ID" and a “Password”. Both will be required for access.

B. Hardware/Software Requirements.

Use any PC that is a 486 or Pentium class machine. You will also need a modem (recommend 28k, 33k or 56k), Web browser and Internet service provider.

We recommend a Web browser with additional security features (Secure Socket Layer or SSL).

C. Description of Services.

You may use e-Banking to perform the following functions:

  • Access any deposit account under the same social security number you provided when you registered...checking, savings, Insured Money Fund and Perfect Money Fund accounts, CDs and IRAs.
  • Check your current deposit account balances and see transaction history.
  • Transfer money between Equitable Bank checking, savings, Insured Money Fund and Perfect Money Market Accounts. Limits on transfers from certain accounts. Federal Regulation limits the number of checks, telephone transfers, online transfers and preauthorized electronic transfers to third parties (including Point of Sale transactions) from money market and savings type accounts. You are limited to six such transactions from each money market and/or savings type account(s) you have each statement period for purposes of making a payment to a third party or by use of a telephone or computer.
  • Access your consumer, home equity and mortgage loan balance and history and make consumer and mortgage loan payments from an Equitable Bank checking, savings, Insured Money Fund or Perfect Money Market account.
  • Verify if a check, Chequitable Card, ATM card or direct deposit transaction has cleared.
  • Exchange data with personal financial management software, such as Microsoft(r) Money(r).
  • Please note that your ability to access and transfer to and from Equitable Bank accounts may be restricted by your relationship to the account. As an example, beneficiaries will not have access to account information.

III. Terms and Conditions

A. Password.

You will need an access ID and Password to access your accounts through e-Banking. If you are logging into e-Banking for the first time, you will be able to select an access ID and password. Access IDs may be up to 18 characters of any combination of letters, numbers or special characters. Passwords may contain a minimum of 7 and a maximum of 16 characters (alpha and numeric). Special characters such as punctuation marks (#, @, *, etc.) cannot be used in passwords. Passwords also cannot read the same backwards and forwards. Note: Access IDs and passwords are CasE SenSiTive. For security purposes, we recommend you memorize your password and do not write it down. Your access ID and password can remain in your browser's cache, and anyone could gain access to your account if you leave your browser unattended. For that reason, we recommend you always use the "Logout" button to leave e-Banking and close out your browser once you have completed your session. For security purposes, the browser will automatically time out after 20 minutes of inactivity. We recommend that you log off from your computer anytime you walk away or when you open another browser. The timeout will execute only when the page is refreshed. Four login attempts will be allowed before account access is locked out. Once a customer has a successful password attempt, the counter for password attempts will be reset to zero. If you are locked out of your account, please contact us by one of the methods listed in part IV, section C of this agreement to regain access to e-Banking. New passwords must have a minimum of 4 characters different from the old password to be accepted.

Enhanced Password Security. To deliver the highest level of security for our E-Banking customers, an additional layer of security is being added to our log in process. This will help ensure that your information is secure, protecting you from fraud and identity theft. Equitable Enhanced Security verifies your identity in two ways. Every time you log in to E-Banking, the bank identifies you, and it lets you identify the bank using a private image and pass phrase. Go to the E-Banking Demo link on the home page and then click on Equitable Enhanced Security” to learn how to set up your account and for more details.

B. Hours of Accessibility.

You can access your accounts through e-Banking 24 hours a day, 7 days a week, except during maintenance periods or periods during which e-Banking otherwise is not operable, such as bank holidays. Also, your current and available account balances are updated every time you enter e-Banking. Up to date transaction history will be available after 8:00 a.m. (Central time) on business days (Monday through Saturday).

Transactions performed after 8:00 p.m. (Central time) Monday through Friday, after 5:00 p.m. (Central time) on Saturdays or at any time on Sundays will be processed the following business day (Monday through Saturday). If you make a transfer initiated in our e-Banking service during this offline time, you will receive a message stating that your transfer has been successfully completed, however, the transaction will not be able to be viewed in history until the following business day. Please be aware that checks, ATM and Chequitable card activity will occur prior to transfers that are made during offline processing hours. Specifically, transfers will be processed at 1:00 a.m. (Central time) on business days. If the account from which the transfer is being made does not contain sufficient funds to successfully complete the transfer, up to two additional attempts (one attempt on each of the subsequent business days) will be made to complete the transfer. No further attempts will be made.

C. Viruses

All responsibility or liability for any damages caused by viruses contained within the electronic files or at this web site is disclaimed.

D. Links to Other Web Sites

For the convenience of our customers, The Equitable Bank web site may contain links to other web sites not owned or managed by The Equitable Bank. The Equitable Bank is not responsible for the content in such web sites, and such web sites are not investigated, monitored, or checked for accuracy by The Equitable Bank.

E. Indemnification by User

The user agrees to indemnify and hold The Equitable Bank, SSB, harmless from any liability, loss, claim and expense, including attorney's fees related to a user's violation of these terms and conditions or the use of the services and information provided at this web site.

F. Typographic Errors

This web site could include technical inaccuracies or typographical errors.

G. Electronic Mail Messages

Please note that electronic mail is not a secure form of communication and should not be used to communicate sensitive information to The Equitable Bank, SSB.

We may not immediately receive any email sent by you. We need a reasonable opportunity to take action or respond to email requests. You CANNOT use email to transfer funds, report unauthorized transactions or report unauthorized use of your Access ID and password. You MUST notify us at the phone number or address listed in the Agreement.

H. Our Liability.

If we do not complete a transfer to or from your account on time or in the correct amount, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable:

  • If through no fault of ours, your account does not contain enough available funds to make the transfer.
  • If your account has been closed.
  • If you have money in your account but the funds are subject to legal process or other encumbrance.
  • If the transfer would exceed credit limits or other arrangements for covering overdrafts.
  • If you have not properly followed the e-Banking instructions.
  • If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
I. Access to Home Equity Line of Credit.

Access to your Home Equity Line of Credit through E-Banking is equivalent to accessing your line of credit by check; however, there can be no stop payment orders issued and the minimum orders issued and the minimum dollar amount for each loan remains applicable.

J. Automatic Termination.

Customers will be automatically deleted from E-Banking after 180 days of inactivity. Should you choose to re-enroll after being terminated, the "First Time Log In" button should be used.

K. Right to Refuse Service

The Equitable Bank reserves the right to revoke or refuse e-Banking services at the discretion of The Equitable Bank.

L. Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of Wisconsin, without regard to its conflicts of law provisions.

IV. Disclosures

A. Unauthorized Transfers.

Tell us at once if you believe there has been an unauthorized transfer to or from your account. You can lose no more than $50 due to an unauthorized transfer if you report it to us within 60 days after the statement on which the unauthorized transfer first appeared was mailed to you. If you do not notify us within the 60-day period, and we could have prevented access to your account if you had told us, you may not get back any money you lost after the 60 days.

B. Lost or Stolen Password.

Notify us immediately if your password has been lost or stolen. If you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your password without your permission to access your account. If you do not tell us within two (2) business days after you learn of the loss or theft, you could lose as much as $500 if we could have prevented access to your account had you told us.

C. Errors or Questions About Your Account.

In the case of errors or questions about your statement or transactions, contact us as soon as you can:

Telephone us at (414) 476-6434 between the hours of 8:30 a.m. and 5:00 p.m. (Central Time), Monday through Friday (except bank holidays).

Write to us at:

The Equitable Bank
Electronic Banking Department
2290 N. Mayfair Road
Wauwatosa, WI 53226

We must hear from you no later than 60 days after we sent you the first statement on which the problem or error appeared.

  • Tell us your name and account number.
  • 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.
  • Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will then conditionally credit your account for the amount in question so that you will have use of the money during the time it takes us to complete our investigation. When we ask you to put your complaint in writing and we do not receive it within 10 business days, we may not conditionally credit your account while we complete our investigation.

We will inform you of the results of our investigation within 10 business days after we hear from you. We will promptly correct any error. If we need more time, however, we may take up to 45 calendar days to investigate your complaint. If we decide to do this, we will conditionally credit your account within 10 business days for the amount in question. If a claim is made within 30 calendar days of opening an account, we may take up to 90 calendar days to investigate your complaint. If we decide to do this, we will conditionally credit your account within 20 business days for the amount in question.

If we determine there is no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

Personal Banking