Terms & Conditions

Welcome to South Sound Bank’s Online Banking Service! Now you can enjoy the convenience of banking with us anytime and from any location - 24 hours a day, 7 days a week, from any computer with an internet connection.

Online Banking Enrollment

When enrolling in our Online Banking services for the first time, please read the information on this page carefully. At the bottom of the page, click "I Agree" to begin your enrollment. You will be prompted to complete an enrollment form. "PIN" refers to the last 4 digits of your Social Security Number, unless we notify you otherwise. Once you complete the enrollment process, you will be able to access your banking information.

If you have already enrolled in our Online Banking, please return to the Home Page to log in.

Online Banking Access Agreement and Disclosure

Please read the Agreement below carefully. This Agreement includes your rights and obligations as a user of our Online Banking service. It also describes the rights and obligations of South Sound Bank. After you have read this Agreement, you must scroll down and click the “I Agree” button at the bottom to continue. By pressing the “I Agree” button below, you agree to comply with the terms and conditions of this Agreement. You also acknowledge by using the Online Banking service that you have downloaded, printed, or otherwise received a copy of the terms and conditions and that you understand them.          

The Online Banking Agreement and Disclosure explains the terms and conditions governing the use of South Sound Bank’s Online Banking Services. This agreement is in addition to the terms and conditions described in the Account Agreement and Disclosure and any other deposit, credit, or loan agreement you have with us, as well as all applicable laws and regulations. The Agreement is intended to be used in conjunction with the Deposit Account/Account Product disclosure and other related service disclosures that we have provided you in the course of your banking relationship with us. Retain this Agreement and all other related documentation for future reference.

  • In this Agreement, the words “we”, “us”, or “our” refer to South Sound Bank.
  • The words “you” and “your” refer to the owner(s) or holder(s) of the deposit or loan account set up for internet banking through South Sound
  • Bank and any person(s) authorized for such access.
    The term “business days” means Monday through Friday, excluding holidays.
  • “Consumer” refers to a natural person who owns a deposit or loan account with South Sound Bank, which is primarily for personal, family, or household purposes.
  • “Customer” refers to any person, whether consumer or business, who has a banking relationship with us.
  • “Electronic fund transfers” refers to internet fund transfers you make between your accounts, individual or recurring bill payments you authorize and includes the applicable definition embodied in Federal Regulation E, Electronic Funds Transfer Act.
  • “Payment account” is the checking account that you are required to designate as the account from which payments and Service fees and charges will be debited.
  • ”Service” refers to the Online Banking Services.

Your initial use of our Online Banking services constitutes your acceptance and agreement to be bound by all the terms and conditions of this Agreement and by all other "South Sound Bank Documents" relating to your accounts and acknowledges your receipt and understanding of this Agreement.  You must be at least 18 years of age, and you must have a valid Social Security Number in order to request Online Banking Services.

INTERNET BANKING ACCESS: You may access the Online Banking Service through our website at www.southsoundbank.com by using the Homepage's Log-In box. You must have your own Internet Service Provider (ISP), the necessary computer equipment, a modem, and a compatible browser (128-bit encryption is recommended) to be able to complete online banking with South Sound Bank.

To keep your online banking safe and secure, we ask that you make sure the following items are in place at all times: Complete all updates within your computer system, install and update current and supported operating systems, browsers, firewall and anti-virus software, and change your passwords at varying intervals. A list of Supported Browsers and Operating Systems is located on our Home Page.

ONLINE BANKING HOURS AND BUSINESS DAYS: Online banking services are accessible 24 hours a day, 7 days a week - except when the system is down for maintenance or due to an emergency.

ACCESS ID AND PASSWORD: For security purposes, you are required to change your initial Password and your Access ID code the first time you access On-Line Banking. You determine what password you will use and the contents of your password is not communicated to us. You agree that we are authorized to act on instructions received under your password. We recommend that you create a password using 8 to 17 characters in length that utilizes both upper and lower case letters, numbers and a special character. You accept responsibility for the privacy and security of your password and are required to change your password every 120 days. We recommend that you refrain from using such passwords as dates of birth or family names that may be easily recognizable. If you forget your password, click on forgot password and one will be e-mailed to you or you may contact our customer service representative and we shall assist you in arranging a new password, as we do not have access to any customer passwords. The Bank's personnel cannot see your private password that you enter. Under no circumstances should you ever reveal your password to anyone.

SECURITY USING MULTIFACTOR AUTHENTICATION:  Multifactor authentication (MFA) is an online security feature that provides additional protection from fraud and identity theft.   By recognizing your login identification and your computer, MFA verifies that you are authorized to have access to the online system.  The system will automatically enroll each computer that you use for online banking.  When you enroll, a code called a cookie is placed on your computer.  The cookie contains a unique identifier that is used in combination with your login identification.  We use Certificate Authentication with TSL (Transport Layer Security) which ensures the identity of the computer.  At every login attempt after enrollment, the system will look for this cookie and validate that it matches the login identification that you entered.  If the system does not recognize your computer, you will be presented with a security question that you selected during enrollment.  You must answer the question correctly to be authenticated and allowed access to the system.  During your initial login when you chose your Access ID and Password, you also answered three challenge questions.  These challenge questions will display after you enter your Access ID.  The questions change randomly each time you login, your password is entered after you answer the question.  Once you are logged into online banking, you can change your password or security questions under the "My Profile" option.  Please contact your branch of account at any time you have any questions.

FEE SCHEDULE: There are currently no monthly service charges or transaction fees for the Online Banking Services. However, any fees charged when you use other sites linked to our site including your Internet Service Provider (ISP) are your responsibility to pay. We may charge a fee for each payment request presented against insufficient funds, whether or not we honor the request. We will notify you of any changes in fees as required by law. You authorize South Sound Bank to charge your Online Banking Account, (or if there are insufficient funds in that account) any other account you hold with South Sound Bank, for all such fees.  You may incur charges when you use our bill pay service.  If you require a bill to be sent express mail, the fee schedule will display; currently that fee is $14.95.  Within the bill pay service, if you choose to use the PopMoney service for instant payments, there is a fee of $2.50 per transaction.  To request a payment that someone has sent to you, there is a fee of $.60 per transaction.

ACCOUNT BALANCE AND TRANSACTION INFORMATION: You can use our Online Account Access service for viewing account balances, to transfer funds and to receive an account history (on eligible accounts). Balance Information obtained through the Services will generally reflect credit and debit information as of the previous banking day.

FUND TRANSFERS: You can transfer funds between eligible accounts. Online transfers may be made 24 hours a day, 7 days a week. All transfers are subject to available funds and will be deducted from your account immediately after we receive your request(s). Fund transfers completed before 5:00 PM (PST) on a business day will be posted to your account the same day. The number of transfers you are allowed to make from your South Sound Bank savings and money market accounts are limited by the terms and conditions contained in the Deposit Account Agreement, and other related product disclosures that govern those accounts.

BILL PAY:    South Sound Bank uses a third party vendor called CheckFree Services Corp., a subsidiary of Fiserv Solutions Inc., to provide bill pay services.  To access bill pay, click on the Bill Pay button once you are logged into online banking.  You will need to accept the terms and conditions.  These terms and conditions will provide information regarding the security of your information as well as the biller information you enter into the site.  You can find both the terms and conditions and the privacy policy in the bill pay site. 

OVERDRAFTS: If your account does not have sufficient funds to cover all electronic fund transfers (including ACH payments) you have requested within a given business day, then you understand and accept that electronic transfers involving cash disbursements (such as ATM withdrawals) will have priority. You agree to repay any overdraft without notice or demand from us. Each account owner is jointly and separately responsible for repaying any overdraft created using the Services; regardless of whether that account owner created the overdraft or received benefit from payment of the item overdrawing the account. South Sound Bank may cancel your Online Banking Services at any time without prior notice due to insufficient funds in your account(s).
NOTIFICATION OF PROBLEM OR ERROR: Telephone us or write us as soon as possible, if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than 60 days after we sent the first statement on which the problem or error appeared.

  • Call our Olympia Branch at 360-705-4200 or our Lacey Branch at 360-528-4200.
  • Or write us at South Sound Bank, PO Box 12720, Olympia, WA  98508.Tell us your name and account number.
    • Describe the error or the transfer you are unsure about and explain as clearly as possible why you believe it is an error or why you need more information.
    • Tell us the dollar amount of the suspected error.
  • You must notify us at once if you believe any of your accounts have been accessed, your password has been obtained, or electronic transactions have been processed without your permission.
    • Telephoning us AT ONCE is the best way of keeping possible losses down.
  • You are responsible for verifying that all online banking transactions done on your account were completed with your authorization. We recommend that you promptly reconcile your account(s) with your statement(s) provided to you by South Sound Bank.

RESPONSIBILITIES: Except as specifically provided in this Agreement, you agree that neither South Sound Bank nor the Bank’s Online providers shall be responsible for any loss, damages, property damage or bodily injury, whether caused by the equipment, software, South Sound Bank or Internet browser providers, or by Internet Access Providers, or by Internet Service Providers, or by any agent or subcontractor of any of the foregoing. Also, if you do not have sufficient funds in your account to make your scheduled payment(s) or to make any requested fund transfers between your South Sound Bank Accounts or if your instructions or fund transfers are incorrect in any way or they do not allow sufficient time for payment to be received, we will not be responsible. The foregoing parties will not be responsible if the information you give them is incomplete, incorrect, or inconsistent with the terms of this Agreement or the Bank Documents or if you transmit inquiries or transaction requests using standard Internet e-mail. You will be responsible for paying any applicable fees when there are insufficient funds in your account or you provide incorrect or inaccurate information.

TERMINATION: You may terminate the Services at any time upon giving notice of the termination to us. South Sound Bank may cancel your Online Banking Services at any time without prior notice due to insufficient funds in your Online Banking Account or in any of your other South Sound Bank accounts or if the Bank has reason to suspect any fraudulent activity.

PRIVACY: Your right to privacy is important to us.  Our privacy policy is provided on our website for your review. In general, we will not disclose information about your account or the transfers you make except when disclosure is necessary to complete a transfer; when disclosure is requested in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or when disclosure is required to comply with government agency or court orders or is authorized or permitted by law; or when you give us your permission. If you defraud us in any way, we shall disclose any information we have about you to third parties, including law enforcement authorities.

ELECTRONIC MAIL (E-MAIL): Messages that are sent through the message system on the contact us page on our website are unsecured. We recommend you do not send or request confidential information, such as account numbers or social security number to us by e-mail unless you use our secure email.  To use our secure email, you need to register by adding your email address and creating a password.  Please call your branch of account if you need to contact us regarding any personal information about your account. 

PERIODIC STATEMENTS: We will continue to mail a monthly account statement for your checking account(s) to you, showing your Online Banking transactions and other activity from your account. Your savings account(s) statements will be sent on a quarterly basis. You are responsible to promptly review your statement(s) for accuracy.  We also offer an eStatement option.  You must be enrolled in our Online Banking service to qualify.

SECURITY: In order to maintain secure communications and reduce fraud, you agree to protect the security of your numbers, codes, marks, signs, public keys or other means of identification. We reserve the right to block access to the Services to maintain or restore security to our site and systems if we reasonably believe your password has been or may be obtained or is being used or may be used by an unauthorized person(s).

When you use other sites that generate items to be charged to your account, you agree that we may debit your primary Online Banking Account or any account of yours on which the item is drawn without requiring your signature on the item and without prior notice to you.

South Sound Bank has the right to modify or terminate this agreement at any time. We will comply with any notice requirements under applicable law for such changes or termination. If we terminate this Agreement, no further South Sound Bank Online transfers will be made, including but not limited to any payments or transfers scheduled in advance or any pre-authorized recurring payments or transfers. If we modify this Agreement, your continued use of South Sound Bank Online Services will constitute your acceptance of such changes in each instance.

I have read and agree to all of the terms and conditions outlined in this Online Banking Disclosure and I understand that I am responsible for all charges incurred through the use of the Online Banking Service. 

I Agree Cancel





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