The Johnson State Bank and Bank of Ulysses, A Branch of The Johnson State Bank, can be found on the Internet at the following address:
Our website offers up to date technology, including a multi-layer log in process. Our security measures ensure that all customer information remains protected.
The Johnson State Bank and Bank of Ulysses has developed our Online Banking product to be comprehensive and convenient for the end user. Online Banking is a free service to our customers. The steps to getting started are listed below.
Online Banking registration is completed through our website. In the address bar at the top of your browser page, type in http://www.johnsonstatebank.com to view our website. To complete the registration follow these steps:
When you register your Customer ID will be your Social Security Number. After the registration process is complete you will be prompted to establish a unique Customer ID.
It is absolutely imperative that the customer chooses a password that is easy to remember and that it is kept very secure. If your online account is accessed using your ID and password we assume that the person viewing the account is you or someone authorized by you. The bank is not to be held responsible for transactions due to a lost or stolen password. However, the bank should be notified immediately if you believe there has been a fraudulent transaction. Passwords are required to be 4-8 characters in length. They can consist of alphanumeric and non-alphanumeric characters. Example: bestdad, #1mom, 3kids, etc.
Our online-system will automatically lock users out after five (5) consecutive unsuccessful attempts. The count starts over every time there is a successful log-in. It is impossible for the bank to know your password. In cases where the user has been locked out or of a forgotten password you may reset your password by clicking on Password Reset on the homepage of our website and then following the onscreen directions, or call The Johnson State Bank or Bank of Ulysses to be reset.
Our bill payment service is brought to you, the customer, by The Johnson State Bank and Bank of Ulysses and Metavante. We offer our customers one of the easiest, quickest, and most cost effective bill payment services in the industry.
In order for a person to enroll in the bill payment service he or she must be registered to use Online Banking. When registering for Online Banking you will check the box next to the statement. "Click here to enroll in Bill Pay” The approval process typically takes 3-5 days but may be longer in certain conditions. Each person applying for Bill Payment is subject to a credit check and an account history check. Persons meeting the approval criteria will be notified by e-mail and can then begin using Bill Pay. Those that are declined use of Bill Payment services will also be notified by e-mail.
Bill Payment Types:
There are two types of bill payments, Automated Clearing House (ACH) or paper draft. ACH payments are those sent electronically. If the company you wish to pay is found in the online database then the payment will be sent ACH.
In order for ACH payments to reach the company on time you should schedule the payment at least 3 business days before the payment is due. Paper draft payments are actual paper items (similar to a check) sent for payment. Any company not found in the database will be issued a paper draft item.
Your checking account number will not appear on the paper draft. The maximum amount a paper draft item can be made for is $9,999.99. The item is VOID 90 days after it is written, which means if the draft is not cashed within 90 days your account will be re-credited for the amount of the draft.
Stop payments can be made on paper draft items until 6:00 P.M. CST the same day it is to be taken out, by calling our bill payment service provider.
Paper draft payments should be scheduled for at least 5 days before the payment is due to insure it will be received by the company on time. The bank is not responsible for late fees or other charges assessed by any company a bill is sent to due to late scheduling of payments.
Our bill payment service provider will process all of the next day's payments at 11:00 pm Central Standard Time (CST). You have until 10:45 pm CST to change, add, or delete a payment. Example: You have a payment coming out on December 3rd; your payment will be processed at 11:00 pm on December 2nd as long as it is a business day.
Your account will be debited for your payments 1-2 days after a payment is processed. Your charges will be debited ACH regardless if it was an ACH or paper draft payment.
There is no charge to send bills via Johnson State and Bank of Ulysses Bill Payment. You may pay an unlimited number of bills. However your bill payment debits will still be subject to the $0.05 service charge for each debit item in any month on accounts with a balance of less than $500.00 at any time in the month. For additional information see our "Truth in Savings Disclosure”.
Johnson State Bank and Bank of Ulysses offer a mobile banking application for Apple and Android devices. To utilize mobile banking you must already be an established online banking user with a unique username and password. You can download our app by searching for "Johnson State Bank in your Appstore or by accessing http://www.johsonstatebank.com on your mobile device.
Transfers may be made between your accounts through our Mobile Banking App. This transactions are subject to the same cut-off time for transactions as any transfer made through our online banking system via a computer.
Mobile Remote Deposit
We offer remote deposit through our Mobile Banking App, to register for this service download our app, and click on Deposit Checks. If this is the first time utilizing this option in Mobile Banking, you will be prompted to agree to our Remote Deposit Agreement. We will receive your registration and submit it through an approval process. This may take between 3-5 days. If you are approved for Remote Deposit you will received an e-mail and can begin depositing checks remotely. If you are denied you will also be informed by e-mail with the reason. You may typically re-apply in six months.
You may elect to receive your periodic statement(s) through our online banking system. This statement will be offered to you free of charge. Notice of your statement's availability will be sent via e-mail. To set up e-statements please visit our website via a computer at http://www.johnsonstatebank.com. You must already be a current user of Online Banking. Go to Additional Services, E-Statements and follow the onscreen instructions. Once you sign up for E-statements you will no longer receive a paper statement in the mail.
If online banking is not working properly please check the following first:
Metavante Customer Service
|Support Hours:||Monday – Friday
7:00 am to 11:00 pm
8:30 am to 5:00 pm
The Johnson State Bank
|Phone Number:||Johnson: 620-492-6200
|Support Hours:||Monday – Friday
9:00 am to 4:00 pm
Electronic Funds Transfer (EFT) is a transfer of funds which is initiated electronically rather than with a paper instrument and which debits or credits an account. Initiated electronically means by electronic terminal, telephone, computer, or magnetic tape. The Electronic Funds Transfers we are capable of handling are indicated below; some of which may not apply to your account.
For purposes of these disclosures, our business days are Monday through Friday, holidays not included.
Your check or draft can result in an electronic funds transfer. This can happen in several ways.
Your authorization to make these types of electronic fund transfers may be expressed in writing or implied through the posting of a sign.
You can access your account(s) you maintain with us by computer or mobile device using your assigned user ID and password to:
You may use your card to:
Some of these services may not be available at all terminals.
There are no limitations on the frequency of EFTs you make with your ATM/Debit cards, except those shown on the Truth in Savings Disclosure brochure given to you at the time of account opening, relating to Money Market Checking Accounts and Savings Accounts.
ATM card withdrawals are limited to a maximum of $100 per day. A day is a period of 24 consecutive hours. Saturday, Sunday, and holidays are included when calculating daily withdrawal levels.
You may withdraw up to $260 from our terminals each day from your Visa Check Card. You may buy up to $500 worth of goods or services each day you use your Visa Check Card in our point-of-sale transfer service.
Service charges, including a $1.00/occurance charge for foreign ATM use, are deducted from your account monthly. All our service charges, including service charges for EFTs, are listed on the Truth in Savings Disclosure brochure given to you at the time of account opening. Copies are available upon request from our offices.
When you use an ATM not owned by The Johnson State Bank/ Bank of Ulysses you may be charged a fee by the ATM owner.
You will receive the following documentation on EFTs.
At some ATM's or point-of-sale terminals, you may not get a receipt if the amount of the transfer is $15.00 or less. This is an exception to the general rule stated for terminal transfers under the Documentation section above.
DO NOT write your personal identification number (PIN) on anything or keep it with your card.
Tell us AT ONCE if you believe your card has been lost or stolen, or if you believe your card has been used without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your overdraft protection). If you tell us within 2 business days after the loss of your card and/or code, you can lose no more than $50 if someone used your ATM Card (no more than $0 if someone used your VISA Check Card) 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 we can prove we could have stopped someone from using your card 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, including those made by card or other means, 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 period.
If you believe your card has been lost or stolen, call: 620-492-6200
C/O Johnson State Bank
P.O. Box 130
Johnson, KS 67855
You should also call the number or write to the address listed if you believe a transfer has been made using the information from your check without your permission.
The use of a card presents opportunities for fraudulent transactions and for loss both to you and to us. An EFT withdrawal is different from a withdrawal made by means of a paper check. We have the opportunity to examine the paper check and to refuse payment if it is irregular. An EFT withdrawal, on the other hand, occurs without any exercise of discretion on our part. If funds are available in your account, our computer debits the account automatically and instantaneously.
You must use caution to protect both your card and your personal identification number (PIN) from unauthorized use which might result in loss to you or to us. It is in your best interest and ours that we know your current mailing address so that you can promptly receive your statements and examine them to detect improper EFTs.
We reserve the right to permanently or temporarily revoke your right to use the card and to close your account by sending you a check for the balance if:
If you have made arrangements with any person or company to regularly withdraw payments from your account electronically, you can stop any of these payments. Here's how:
Call or write us at the telephone number or address listed in this notice.
We must receive your request 3 business days or more before the payment is to be made. If you call, we will also require you to put your request in writing and get it to us within 14 days after you call. We will charge you $20.00 for each stop-payment order you give.
If these regular payments vary in amount, the person or company you are paying must tell you 10 days before each payment when it will be made and how much it will be.
If you order us to stop one of these pre-authorized electronic payments 3 business days or more before it is scheduled, and we do not do so, we may be liable for any losses or damages.
Full liability may be imposed on you if you do not notify The Bank within 60 days of receiving the account statement upon which the first unauthorized transfer appears.
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:
There may be other exceptions stated in our agreement with you.
We will disclose information to third parties about your account or the transfers you make:
Call or write us at the telephone number or address listed on the front of this notice as soon as possible if you think your receipt is wrong or if you need more information about EFTs on the statement or receipt. We must hear from you no later than 60 days after we send you the FIRST account statement on which the problem or error appeared.
If you tell us orally, we will 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 VISA debit card), after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days, (five business days for VISA debit card), 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.
For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. If the complaint or question we have requested in writing is not received within 10 business days we may not credit your account. 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.
Johnson lobby business hours are Monday through Friday from 9:00 a.m. to 4:00 p.m. Saturday drive up hours are 9:00 a.m. to 12:00 p.m.
Bank of Ulysses lobby business hours are Monday through Friday 9:00 a.m. to 4:00 p.m. Monday through Thursday drive up hours are 8:00 a.m. to 5:00 p.m. and Saturday from 8:00 a.m. to 12:00 p.m. Drive up hours on Fridays is 8:00 a.m. to 6:00 p.m.
On August 10, 1987, Congress passed the Competitive Equality Bank Act (CEBA). Title VI of this law, the Expedited Funds Availability Act (EFA), and the regulation developed to implement it by the Federal Reserve System, Regulation CC, established maximum hold periods financial institutions can place on funds deposited in demand accounts. This includes checks deposited by retail and corporate customers.
Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash or we will use the funds to pay checks that you have written.
For determining the availability of your deposits, every day is a business day except Saturdays, Sundays, and holidays. If you make a deposit before 4:00 p.m. (5:00 p.m. at Bank of Ulysses) on a business day that we are open we will consider that to be the day of your deposit. However, if you make a deposit after 4:00 p.m. (5:00 p.m. at Bank of Ulysses) or on a day we are not open, we will consider that the deposit was made on the next business day we are open.
LONGER DELAYS MAY APPLY
In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. However, the first $200 of your deposit will be available on the first business day.
If we are not going to make all of the funds from your deposit available on the first business day after the day of your deposit we will notify you at the time you make the deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees or if we decide to take this action after you have left the premises, we will mail you the notice(s) by the first business day after we receive your deposit.
If you will need the funds from a deposit immediately you should ask us when the funds will be available.
In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:
We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the funds will be available. Funds will generally be available no later than seven (7) business days after the day of your deposit.
If we cash a check for you that is drawn on another bank we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.
If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check you deposited.
If you are a new customer, the following special rules may apply during the first 30 days your account is open.
Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfer, and the first $5000 of a day's total deposits of cashier's certified, teller's, traveler's and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available on the ninth business day after the day of you deposit.
If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit.
Funds from all other check deposits will be available on the eleventh business day after the day of your deposit.