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Terms of Use

Online Banking Agreement & Disclosure

This Online Banking Agreement and Disclosure governs your use of Ciera Bank’s Online Banking. Throughout this website, the Agreement and Disclosure will be referred to as "Agreement". By using Ciera Bank’s Online Banking, you agree to all of the terms of this Agreement. Please read it carefully and keep a copy for your records.


You or Your - The person(s) subscribing to or using Ciera Bank’s Online Banking.

We, Us, or Our - Refers to Ciera Bank and any agent, independent contractor, designee, or assignee Ciera Bank may involve in the provision of Ciera Bank’s Online Banking.

Business Day - Any calendar day other than Saturday, Sunday, or any holidays recognized by Ciera Bank. Bill payments are processed on all business days that both the Federal Reserve Bank and the U.S. Postal System are operating and open for business.

Business Day Cut-Off - Ciera Bank is located in Texas and base our business day on the Central Daylight Time Zone. For posting purposes, the bank will process all transactions completed by 6:00PM on that business date. Transactions completed after 6:00PM, including transfers, will be processed on the following business day.

Privacy Statement - Ciera Bank understands how important privacy is to our customers. We have taken steps to ensure your security and privacy for your personal and financial dealings with the bank. Our customer privacy statement can be obtained by clicking on the following link - Privacy Notice.

About Ciera Bank’s Online Banking

Our Online Banking provides an array of financial services available to you. Some of the features available to you are:

  • Account attributes
  • Details of historical transactions
  • Electronic statements (if you are registered to receive them electronically)
  • Secure e-mails & file transfers
  • Transaction downloads
  • Account transfers
  • Payments to our loan accounts
  • Various bookkeeping services

For customers who select Bill Payment, these additional features are available:

  • One-time payments
  • Occasional payments
  • Fixed recurring payments
  • Variable recurring payments

Internet Security

Ciera Bank’s Online Banking system is part of the Computer Services Inc. that utilizes a comprehensive security strategy to protect your accounts and transactions conducted over the Internet.

To help prevent unauthorized access and ensure the security of your accounts, your online session will require you to login again if no activity is detected for 15 minutes.

We recommend that you always log off when you have completed your online banking.

You play a crucial role in preventing unauthorized access to your accounts. Always use strong passwords, and do not use passwords that are easy to guess. Examples of bad passwords are: Birth dates, first names, pet names, addresses, phone numbers, social security numbers, etc. Never reveal your password to another person.

Because your password is used to access your accounts, you should treat it as you would any other sensitive personal data. You should carefully select a password that is hard to guess. Keep your password safe. Memorize your password and never tell it to anyone. You may consider changing your password occasionally, such as every 90 days. This can be done at any time after you logged on from the "support" menu.

If you have questions about our security systems contact our Online Banking Department at 940-549-2040.

Registration Process

Ciera Bank’s Online Banking service requires that you complete the initial registration process. This involves completing a secure online application that will identify your Ciera Bank location and all the information that we will need to enable the service.

Security is very important to us. Prior to activation, the Online Banking Department will verify your identity and confirm the access you have requested. Once your request has been authorized, we will contact you with further instructions. We will provide you a one-time link and security code to complete the initial setup. You will input the security code during the initial setup. You will then be required to establish a “complex” password, choose a security picture and phrase, and establish three challenge questions and answers.


You may request to access any account on which you are a signer or owner. If you desire services that allow you to initiate payments or transfers from the account, you will need the required withdrawal authority to do so. By using the service, you agree to maintain one or more accounts with us and to keep sufficient balances in your accounts to cover all transactions and fees. If the accounts added to the service are jointly held or have multiple signers, you agree that access to the information and all transactions initiated by the use of your Username and Password are authorized unless we have been notified to cancel the service.

Online Banking Service Fees

Ciera Bank’s Online Banking and Bill Payment services are available to our existing personal account customers at no monthly charge.

Cancellation of Ciera Bank’s Online Banking

Your Online Banking may be canceled at any time by Ciera Bank in whole or in part without prior notice due to insufficient funds in one of your accounts or other circumstances that may create an unanticipated liability to us. You will remain responsible for all transactions approved by the system prior to cancellation, and for any other fees associated with the service. After cancellation, you may request that your Online Banking service be reinstated once sufficient funds are available in your accounts to cover any fees and other pending transfers or debits. We will consider, but are not obligated to reinstate your Online Banking service. To request reinstatement, you must contact Ciera Bank's Customer Service at 940-549-2040.

Balance Inquiries, Bill Payments and Transfers Limitations

You may use Online Banking to check the balance of your accounts and to transfer funds among your accounts. Bill Payment service is limited to checking accounts. There are no limits to the number of transfers or bill payments from your checking accounts.

Balances shown in your accounts may include deposits subject to verification by us. The balance may also differ from your records due to deposits in progress, outstanding checks or other withdrawals, and payments or charges. A transfer request may not result in immediate availability because of the time required to process the request.

Balances are updated periodically and the system will display the available balance on the account information page. There may be situations that cause a delay in an update of your balances. The system will use the most current balance available at the time of a transaction to base our approval.

Special Information about the Stop Payment, Check Reorders, Address Change, Order Documents, Secure E-Mail & Secure File Delivery Services

The Online Banking system includes several support options to provide a means to securely forward your requests to us for processing. Generally, requests received from the system will be processed within one business day using procedures that would handle similar requests received by mail or fax. If urgent action is required, we recommend that you contact Ciera Bank directly by telephone or in person. There may be additional fees associated with some of these services. If you have a problem or need to cancel a bill payment, you will need to contact Ciera Bank’s Online Banking Department.

Bill Payment Service

It is easy to pay bills online. Simply set up your Payees by choosing from the database of vendors (Payees) that already exist, or by entering necessary information to schedule a payment. We are able to process payments to payees that have a U.S. Postal address. We maintain a large vendor database of regional or national billers to make this process quicker and easier. The Bill Payment service will also allow you to see a history of all the payments made from your accounts.

The daily limit for the total dollars of payments approved is governed by the system's available balance in the checking account selected for making the payment. You can withdraw up to the system's available balance as long as your account shows sufficient funds to cover your payments. The payment will normally be charged to your account on the business date that it is approved.

There is no monthly fee for the Bill Payment service.

If for any reason a scheduled payment processed through the system is declined, it will automatically be rescheduled for the following business day. The system will notify you of this action by sending you a message that will appear the next time you log on to the system. The system will continue to attempt to pay the bill on the following business days until there are sufficient funds or you cancel or reschedule it.

Although payments may be scheduled for the current business day or any date in the future at any time, they will only be processed once a day at our cut-off time, usually around 6:00PM CST on any business day. (If you attempt to schedule a payment for that day after 6:00PM, the system will notify you that you need to change the date to the next business day.) Anything scheduled on a non-business day, or after the cut-off time, will not be sent out until the following business day. Since we must forward the funds and billing information to the payee, some lead-time for payments is necessary. Any delays caused by the payee/vendor would result in additional days before the payment would show on their records. By using this service, you authorize us, and any third-party payment processing agent we may use, to choose whatever method we feel is the most effective method to process your transaction.

The time frames generally will be determined by the way the payment is sent to the payee. If we must send a paper check in the U.S. Postal system, we typically suggest sufficient time as five (5) business days prior to the payee receiving the payment for processing at their address. If the payee accepts the payment electronically, we generally define sufficient time as two (2) business days prior to the payee receiving the payment. In all cases, the payment will be delivered to the payee/vendor by the tenth business day after the payment was approved and charged to your account.

Our Liability for Incomplete Transactions

It is our responsibility to process all bill payments properly initiated through the Online Banking system in accordance with the Agreement. We will be liable for damages, as defined in the Agreement, where the system caused a payment delay or failed to process a payment to be received by the payee/vendor by the tenth business day following the date your account was charged for the payment. Transfers will be processed within two business days of the completed transfer transaction. We will not be liable if any of the following occurs:

  • There are insufficient funds in your account to pay for the bill or transfer at the time of the transaction.
  • Funds in your account are subject to legal process or other encumbrances restricting the payment or transfer.
  • You had knowledge of or questions about the possible malfunction of the system when you initiated the transaction.
  • Any information provided by you about the Payee is incorrect.
  • There are any delays in the handling of the payment by the Payees.
  • Natural disasters (fire, flood, tornado, etc.) or other uncontrollable circumstances (mail delays, power failures, etc.) prevent proper completion and delivery of transactions.
  • Other applicable laws and/or regulations exempt us from liability.
  • It can be shown that the merchant or payee received the payment within the normal delivery timeframe and failed to process the payment through no fault of Ciera Bank’s Online Banking or our service providers.
  • It can be shown that the delay was caused by unusual mailing delays by the U.S. Postal Service.

We will reimburse you up to $50 per payment for any late payment fees or penalties you are charged as a result of the Payee/Vendor not receiving a payment by the Due Date if all the following apply:

  • You scheduled the payment before the cut-off time on a transaction date at least ten (10) business day prior to the Due Date.
  • Correct information was provided to us about the Payee (name, address, account number, and amount).
  • Your account contained sufficient available funds to complete the payment or transaction on the transaction date.
  • The Payee was a Business Payee that charges late charges or penalties.
  • Late payment fees or penalties were assessed by the Payee due to the delay of this payment.
  • You received no prior notice from the Payee/Vendor that there was a problem with processing payments from our system.
  • You received no notice within the ten (10) business day period that would have allowed you to alert our Ciera Bank’s Online Banking Department of a problem where we could have taken corrective action to remedy the situation prior to the tenth day.

Notice of Your Rights and Liabilities

Notify us immediately if your Username and Password have been compromised, lost, stolen or used without your authorization. Failure to notify us immediately could result in the loss of all money accessible by the Password. Telephoning us at the number listed on the Contact Us page is the best way of limiting your possible loss. You could lose all the money in your account (plus your maximum overdraft line of credit, if you have one).

If we are notified within two (2) business days after you discover that your Username and Password have been compromised, lost or stolen, you can lose no more than $50 if someone used it without your permission. If you do not notify us within two (2) business days, and we can prove we could have prevented someone from using the Username and Password without your permission, you could lose as much as $500.00.

If your statement shows unauthorized transfers, notify us within 60 days after the statement is mailed to you or viewed on your computer. After 60 days, if we can prove that we could have stopped someone from taking the money if we had been told, you may not get back any money from us. If a good reason, (such as a long trip or hospital stay) kept you from telling us, we may extend the time periods to a reasonable time.

Errors and Questions

In case of errors or questions concerning transactions completed with Ciera Bank’s Online Banking, call or write to us as at the telephone number or address listed below as soon as possible:

  • 940-549-2040
  • 623 Elm Street Graham, Texas 76450

We must hear from you within 60 days after you receive the first statement or notification in which the error or problem appeared. Please include the following information:

  • Name
  • Account Number
  • Description of the error or what you are unsure about, plus an explanation of why you believe it is an error or why you need more information.
  • Tell us the amount of the error.
  • For a Bill Payer error tell us:
    • Checking Account Number used to pay the bill
    • Payee Name
    • Date the payment sent
    • Confirmation number
    • Payment amount
    • Payee account number for the payment in question

We will tell you the results of our investigation within ten (10) business days after we hear from you (20 business days if the transaction involved a new account). If we need more time, we may take up to 45 business days to investigate (90 business days if the transaction involved a new account). If we choose to take up to 45 business days, we will give you a provisional credit to your account within ten (10) business days (20 business days if the transaction involved a new 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. If we decide there was no error, we will

Disclosure of Account Information to Third Parties

Information to third parties about your account(s) or the transaction(s) you make will only be disclosed if at least one of the following applies:

  • It is necessary to complete a transaction.
  • To verify the existence and condition of your account to a third party such as a credit bureau or merchant.
  • To comply with a governmental agency or court order.
  • If permission is given to us by you, which we may require to be in writing.
  • To collect information for internal use, the use of our service providers, and our servicing agents and contractors concerning our electronic funds transfer service.
  • It involves a claim by or against us concerning a deposit to or withdrawal from your account.
  • Where otherwise required or permitted under state or federal laws and/or regulations.

No Signature Requirements

When any payment or other online service generates items to be charged to your account, you agree that we may debit the designated account, or the account on which the item is drawn, without requiring your signature on the item and without any notice to you.

Virus Protection

Ciera Bank is not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their PC and diskettes using a reliable virus product to detect and remove any viruses. Undetected or unrepaired viruses may corrupt and destroy your programs, files and even your hardware. Additionally, you may unintentionally transmit the virus to other computers.


You may terminate the use of Ciera Bank’s Online Banking by contacting us in writing by mail, e-mail or personal delivery. If your account is closed or restricted for any reason, Ciera Bank’s Online Banking accessibility will automatically terminate.

Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of Texas.


This Agreement may not be assigned to any other party by you. We may assign or delegate, in part or whole, to any third party.


Terms and conditions of this agreement may be amended in whole or part at any time within 30 days written notification prior to the change taking effect. If you do not agree with the change(s), you must notify us in writing prior to the effective date to cancel your access. Amendments or changes to term(s) or condition(s) may be made without prior notice if it does not result in higher fees, more restrictive service use, or increased liability to you.

Entire Agreement

This Agreement supplements any other agreements or disclosures related to your account(s), including the Deposit Account Agreement and disclosures. If there is a conflict between this Agreement and any others, or any statements made by employees or agents, this Agreement shall supersede.



Contact us if you have any questions about your Online Banking or Bill Payment services.

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