Hometown Banking for Over 25 Years
Community First Bank for loans, mortgages, savings and investments in Fairview Heights, Swansea, Belleville, O'Fallon, Shiloh and the Metro-East area
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Community First Bank

4600 North Illinois Street • Fairview Heights, IL 62208
Corner of Route 159 & Frank Scott Parkway
Phone (618) 234-9500          Fax (618) 234-9585

1st Net Online Banking Agreement & Disclosure

This 1st Net Online Banking Agreement and Disclosure governs your use of 1st Net Online Banking. Throughout this web site the Agreement and Disclosure will be referred to as "Agreement".   By using 1st Net 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 1st Net Online Banking. 
We, Us, or Our - Refers to Community First Bank and any agent, independent contractor, designee, or assignee Community First Bank may involve in the provision of 1st Net Online Banking. 

Business Day - Any calendar day other than Saturday, Sunday, or any holidays recognized by Community First 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. 

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Business Day Cutoff - Community First Bank is located in Fairview Heights, IL. We base our business day on the Central Standard Time Zone (CST). For posting purposes, the bank will process all transfer transactions completed by 6:00 PM on that business date. Transfers completed after 6:00 PM will be processed on the following business day.  Bill pays will be processed once a day at our cutoff of 12:00 p.m. CST each business day. 
Privacy Statement - Community First Bank understands how important privacy is to our customers. We have taken steps to insure 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 Protection Policy Notice .

Community First Bank’s 1st Net Online Banking consists of an online banking web site that provides a complete array of financial services to its customers. Community First Bank allows customers to access their data for current or prior month’s historical detailed transactions. 
The 1st Net Online Banking system that is accessible by Community First Bank’s customers over the Internet currently consists of: 

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

Community First Bank’s 1st Net Online Banking system is part of the Jack Henry & Associates, Inc., Network that utilizes a comprehensive security strategy to protect your accounts and transactions conducted over the Internet.  This multi-level security strategy includes physical access controls, unique user IDs and password administration, constant system intrusion monitoring, authentication and firewall software as well as various management systems.  In addition to our log-on security, we use the SSL (secure socket layer) encryption technology for everything you do in the 1st Net Online Banking system. This technology is automatically activated by your browser when it attempts to connect to our system and it supports 128 bit key lengths or greater. Whenever SSL is securing your communications, the browser will typically indicate the "secure session" by changing the appearance of a small icon of a padlock at the bottom of the screen from open to locked. What this means to you is that your communications are scrambled from your browser to our servers at all times so no unauthorized party can read the information as it is carried over the Internet. In addition, our servers have been certified by a "Certificate Authority" that will assure you that you are actually talking to our servers instead of someone pretending to be us. 
During your use of the 1st Net Online Banking system, we will pass a "cookie" to your browser for identifying you during the session. We do not (and cannot) use our cookies to obtain new information about you. A "cookie" is security data that is given to a browser by a web server that is returned by the browser on subsequent transmissions to identify the user and encryption information. When you log onto the system, this cookie enables us to process multiple transactions during the session without you having to provide your Access ID and password for each individual transaction. When you log off, or after ten minutes, the cookie is no longer accepted and must be renewed by requiring the password to be reentered. A new cookie is used for each session. That way, no one can use the cookie to access your account.  
In addition to the security measures described above, there may be other security notices posted on the website regarding security issues. It is your responsibility to read all applicable notices. One of the main security features guarding the use of the 1st Net Online Banking system is the unique combination of your Access Code and Password. It is important that you keep your Password secret. We will not be liable for any losses resulting from your permitting other persons to use your Access Code and Password to access the system.  

If you have more questions about our security systems for conducting transactions safely over the Internet, contact our 1st Net Online Banking Department.

The 1st Net Online Banking service requires that the customer complete the initial registration process. This involves completing and signing an application which must then be returned to Community First Bank.  This application will provide all the information that we will need to enable the service.  The 1st Net Online Banking department will verify the information you submitted for accuracy and authorizations.  In about one week, you will be notified when your account will be activated. 

Security is very important to the 1st Net Online Banking system.   At the time you request the service, you will be assigned a unique "Access ID".  Prior to activation, the 1st Net Online Banking department will verify your identity and authorization to information associated with the accounts that you requested tied to the service. On your initial system access, 1st Net will default to the last four digits of your social security number for your password.  You will be required to change your password before you may proceed.   

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. Avoid names, dates, and information that may easily be guessed. 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.   

To help prevent unauthorized access and ensure the security of your accounts, we will end your online session if we have detected no activity for 10 minutes. This is to protect you in case you accidentally leave your computer unattended after you logged on. When you return to your computer, you will be prompted to re-enter your password and your session will continue where you left off.


You may request access to any account that 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 over the account to be able to complete the transaction. By using the service, you agree to maintain one or more accounts with us and to keep sufficient balances in any account to cover any transaction and fees that are ultimately approved by or related to the system. 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 Access Code and Password are authorized unless we have been notified to cancel the service. 

This section refers to your ability to stop payment on a check that you have written from your checkbook.   
To place a stop payment order via Online Banking, the request must identify the check number, date, amount of the item, the payee and the reason for the stop payment. A stop payment order may be made and will be honored for the maker of the check and for any other account owner who has withdrawal rights at least equal to the rights of the maker of the check. Stop payments cannot be put on any Automatic Clearing House (ACH) electronic debit through 1st Net. Stop payments can only be applied to paper checks.  The customer is responsible for reviewing account history before placing a stop payment to verify that the check has not already cleared the account.  The exact dollar amount of the check must be used for a successful stop. 

Stop payment orders placed using 1st Net Online Banking are considered written stop payment orders.  Written stop payment orders are effective for six months and may be renewed in writing for an additional six months by one of the methods below:

A release of the stop payment request may be made only by the person who initiated the stop payment order.   Additional limitations on our obligation to stop payment are provided by law (e.g., we paid the item in cash or we certified the item). 
You agree to hold the bank harmless for the amount of the stop payment as well as for all expenses and costs incurred by the bank through refusing payment of the check on which a stop payment has been placed. 
This service is not available to cancel the electronic payment scheduled through the bill pay service. Once a bill payment has been debited from your account and paid electronically, you cannot cancel or stop the bill paymentShould a need arise to cancel a paper transaction, you must contact the bank immediately to see if a paper check can be stopped

The 1st Net Online Banking service is available to our existing personal account customers at no monthly charge for all the account information services and transfers, with the exception of the Bill Payment feature. The Bill Payment feature is an optional service for checking accounts. You must specifically request to have this service added. 
Consult with Community First Bank customer service for pricing of the Bill Payment feature.
Your 1st Net Online Banking may be cancelled at any time by Community First Bank in whole or 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 the cancellation, and for any other fees associated with the service. After cancellation, service may be reinstated once sufficient funds are available in your accounts to cover any fees and other pending transfers or debits. In order to reinstate services, you must call 1st Net Online Banking Service Support listed below in the Errors and Questions section.

You may use 1st Net Online Banking to check the balance of your accounts and to transfer funds among your accounts. According to Federal regulations, you may not make more than six (6) pre-authorized or automatic transfers or bill payments from your Money Market Investment Account or Savings Account during a given monthly statement period. There are no limits to the number of transfers or bill payments from a consumer checking account.  Community First Bank currently limits the bill-payment service to only 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, payments or charges. A transfer request may not result in immediate availability because of the time required to process the request. If you have further questions, contact our 1st Net Online Banking Department. 
The balances are updated periodically and the system will display the most current "as of" date on the "accounts" summary 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.  

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 pay any individual or company (excluding US Government Agencies) in North America. 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 electronic payment.  You can withdraw up to the system’s available balance as long as your account shows sufficient funds to cover your payments. The electronic payment will normally be charged to your account on the business date that it is approved. 
If for any reason a scheduled payment processed through our 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 logon 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 cutoff time, usually around 12:00 PM CST on any business day. (If you attempt to schedule a payment for that day after 12:00 PM, 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 cutoff 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. (Our system assumes the payee/vendor will promptly process the payment on the business day it is received. 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. 
You are responsible for scheduling a payment in such a manner so that your bills are paid on time.  You are responsible for any late payment charge, finance charge, penalty or default that may result from your failure to schedule a payment in sufficient time to reach your payee.  The time frames generally will be determined by the way the payment is sent to the payee. If we have to send a paper check in the U.S. Postal system, we strongly suggest that you schedule your payments at least 7-10 business days in advance of the payment due date.  If the payee accepts the payment electronically, we generally define sufficient time as 2-5 business days prior to the payee receiving the payment. We are not responsible for postal delays or processing delays by the Payee.  We will deduct the amount of your payment from your account on the date the payment is scheduled to be processed by us for electronic payments.  Paper checks will be deducted from your account on the date of presentment.    

Consult with Community First Bank customer service for pricing of the Bill Payment feature. 

Notify us immediately if your Access ID 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 below in the Errors and Questions section is the best way of limiting your possible loss. You could lose all the money in your account. 
If we are notified within two (2) business days after you discover that your Access ID and Password has 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 Access ID and Password without your permission, you could lose as much as $500. 
If your statement shows unauthorized transfers, notify us within 60 days after the statement is mailed to you or available 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. 

In cases of errors or questions concerning transactions completed with 1st Net Online Banking, do one of the following, as soon as possible:

  1. Telephone 1st Net Online Banking Service Support at (618) 234-9500; or
  2. Write to 1st Net Online Banking Service Support at 4600 North Illinois Street, Fairview Heights, IL  62208; or
  3. Initiate a payment inquiry on your PC through e-mail to bankers@cfbank1.com 

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:

  1. Name
  2. Account Number and your 1st Net ID.
  3. 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.
  4. Tell us the amount of the error.
  5. For a Bill Payer error tell us:
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 furnish you with a written explanation within three (3) business days after the investigation is complete.

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:

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

We may disclose nonpublic personal information about you to the following types of nonaffiliated third parties.

  1. Financial service providers such as mortgage bankers, securities broker dealers, and insurance agents.
  2. Companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than those disclosures permitted by law or those disclosures to which these opt out rights do not apply by law).  If you wish to opt out of disclosures to nonaffiliated third parties, you may call the following number:  (618) 234-9500 or contact us in writing at 4600 North Illinois Street, Fairview Heights, IL  62208. 
When any payment or other on-line 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. 
You are solely responsible for the maintenance, installation and operation of your computer, and for the hardware and software used in accessing 1st Net Online Banking.  The Bank shall not be responsible for any errors, deletions, or failures that occur as a result of any malfunction of your computer or software, nor will the Bank be responsible for any computer virus that affects your computer or the software while using Online Banking.  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 1st Net Online Banking by contacting Community First Bank in writing by mail, e-mail, or personal delivery to Community First Bank. If your account is closed or restricted for any reason, 1st Net Online Banking accessibility will automatically terminate. 
This Agreement shall be governed by and construed in accordance with the laws of the State of   Illinois. 
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. 
We, in our sole discretion, may amend this Agreement at any time.  For example, we may add, delete or amend terms or services or we may add or change fees.  Notice of a change may be provided to you by mail or electronically.  Your continued use of the service following receipt of the Agreement or notice of a change is considered acceptance of the Agreement or change. 
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.

Community First Bank provides banking services for Fairview Heights, Swansea, Belleville, O'Fallon, Shiloh and the Metro-East St. Louis area. Personal services include checking, CDs, savings & investments and loans. Business services include checking, CDs, loans and other business services. We also offer online banking. Other services include the CFB Debit/ATM Card, safe deposit boxes, telephone banking and credit card services. See our rates for interest bearing accounts.
Community First Bank will NEVER ask you to verify your account information online, nor will we request this information through email. Community First Bank will not ask you to supply any account information or personal information by phone or email. Any official requests for sensitive information will be written on bank letterhead. If you are in doubt regarding the validity of a request for information, please feel free to contact the bank directly for confirmation. If you think you are a victim of identity theft or if you are solicited for information, please contact the bank immediately at (618) 234-9500.