Website Terms of Use and Disclosures

Valley Bank of Nevada Online Security Notice & Site Disclaimer

Valley Bank of Nevada is pleased to offer Internet Banking services. Delivering these services requires a solid security framework that protects you and our institutional data from outside intrusion. We are committed to working with our Internet, information technology, and communications service providers to produce the safest operating environment possible for our customers.

Valley Bank of Nevada requires the use of an Access Identification Number and a Password to use the Online Banking services. To deter unauthorized log in attempts, the system will lock out the user after three unsuccessful attempts. We have taken precautions to offer you an Online Banking system that is protected; however, it is your responsibility to keep your Online Password and Access Identification Number, Account Numbers and Personal Identification information confidential.

Do not reveal your Password to anyone.
Do not write down your Password.
Change your password regularly.
Do not allow your browser to automatically save your Password.
Do not leave you computer unattended during a session

Site Disclaimer

Every effort has been made by Valley Bank of Nevada to give accurate and reliable information in the Valley Bank of Nevada’s website. Please be aware that due to the possibility of human and mechanical errors, as well as other factors, Valley Bank of Nevada is not responsible for errors and omissions confined herein.

All information in Valley Bank of Nevada’s website is provided "as is," without warranty of any kind. Valley Bank of Nevada makes no representations and specifically disclaims any express or implied warranties to users or any third parties, including but not limited to, warranties as to accuracy, timeliness, completeness, merchantability, or fitness for any purpose. The content of this web site may not be used for commercial or non-commercial use without the express written consent of Valley Bank of Nevada.

Valley Bank of Nevada shall not be liable under any circumstances to users and/or third parties for indirect, consequential, incidental or punitive damages as a result of using the website. Even if Valley Bank of Nevada is advised of the possibility of such damages, Valley Bank of Nevada shall not be liable.

The Valley Bank of Nevada’s website may include access to external websites, known as "links". Please note that Valley Bank of Nevada is not associated with and has no control over the content or information on such links and, therefore, is not responsible for any such links or external websites. Valley Bank of Nevada does not endorse, promote, and/or sanction these links. The links have been provided for your convenience. The content or information in such links is the sole responsibility of their authors and/or owners.

Online Banking Disclosures

Please carefully read the Agreement below. This agreement includes your rights and obligations as a user of or Online Banking Service. It also describes the rights and obligations of Valley Bank of Nevada. By pressing the, "I Agree" button below, you agree to comply with the terms and conditions of this Agreement.

The first time you access your account(s) through Online Banking you will need to confirm your agreement to abide by the terms and conditions of this Agreement and acknowledge your receipt and understanding of this disclosure by pressing the, "I Agree" button. We may change the terms or amend this Agreement from time to time without notice or as otherwise provided by law. Each time you use our Services or you permit any other person to use our Services, you are agreeing to the terms and conditions that we have set out in this agreement, as amended, and each amendment thereto from time to time by us.

For security purposes, you are required to change your Access ID and Password upon your initial login to Online Banking. You determine what Access ID and Password you will use and the identity of your password is not communicated to us. For your protection, we recommend that you frequently change your personal password used to access Online Banking. (You can change your password under the Change Password button.) You agree to hold your Password and Access ID in strict confidence and you will notify us immediately if your Password and/or Access ID is lost or stolen. As a precaution, it is recommended that you memorize your Password and Access ID and do not write either down. Passwords should not be easy to guess; for example, your children's or pet's names, birth dates, addresses or other easily recognized identifications related to you. It is also recommended you do not have your browser automatically remember your password. The Access ID must contain at least 6 characters while your Password is required to be between 8 and 16 characters. Your Password must contain at least one numeric character, one alpha character, and one special character. Both your Access ID and Password are case sensitive.

VALLEY BANK OF NEVADA Online Banking Computer Transfers – types of transfers and charges – You may access your account(s) by computer through the internet by logging onto our website at www.valleybanknv.com and using your password and your user name, to:

Transfer funds from checking to checking
Transfer funds from checking to savings
Transfer funds from savings to checking
Transfer funds from savings to savings
Make payments from checking to loan account(s) with us
Make payment from checking to third parties (with Bill Pay)
- Refer to separate fee schedule for applicable charges
Make payments from savings to loan account(s) with us
Get information about:
- The account balance of checking account(s) with recent transactions
- The account balance of savings account(s) with recent transactions

Fees

We do not charge for direct deposits to any type of account.
We do not charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers.

Financial Institution’s Liability

Liability for failure to make transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

If through no fault of ours, you do not have enough money in your account to make the transfer.
If you have an overdraft line and the transfer would go over the credit limit.
If the automated teller machine where are making the transfer does not have enough cash.
If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
There may be other exceptions stated in our agreement with you.

Confidentiality

We will disclose information to third parties about your account or the transfers you make:

Where it is necessary for completing transfers; or
In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
In order to comply with government agency or court orders; or
As explained in the separate Privacy Disclosure.

Unauthorized Transfers

Consumer Liability

Tell us AT ONCE if you believe your card and/or code has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days, you can lose no more than $50 if someone used your card and/or code without your permission. (If you believe your card and/or code has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50. If someone used your card and/or code without your permission.)

If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.
Additional limit on Liability for VALLEY BANK OF NEVADA Debit Card. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VALLEY BANK OF NEVADA Debit Card. This additional limit on liability does not apply to ATM transactions, to transactions using your Personal Identification Number which are not processed by VISA , or to commercial cards.

Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed in this brochure.

Error Resolution Notice

In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this brochure, 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.

Tell us your name and account number (if any).
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 determine whether an error occurred within 10 business days (5 business days for VALLEY BANK OF NEVADA Debit 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 a 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 VALLEY BANK OF NEVADA Debit 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.

You may ask for copies of the documents that we used in our investigation.

VALLEY BANK OF NEVADA
6385 SIMMONS STREET
NORTH LAS VEGAS, NEVADA 89031

Business days, Monday through Friday
Excluding Federal Holidays

Phone: 702-259-2658

MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST
NOTICE OF ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONS