Online Banking

• View Current Account & Transaction Information*

• On the Account List page, click on the account number you wish to view
• Place your mouse cursor over the "Transactions Button"
• In the drop-down menu, select "Current Statement", "Previous Statement", "Current Business Day" or "Previous Business Day"

• View and Print Past Statements*

• On the Account List page, click on the account number you wish to view
• Click on the "Documents Button"
• Select "Text Only"

• View and Print Check Images*

• On the Account List page, click on the account number you wish to view
• Place your mouse cursor over the "Transactions Button"
• In the drop-down menu, select "Current Statement" or "Previous Statement",
  • In your current or previous statement, click on the check number.
• Or, In the drop-down menu, select "Transactions Menu"
  • On the right hand column, in "Image Search", enter the check number and click on "Display"

• Account Transfers and Loan Payments within FREESTAR*

• Express Transfer – If made before 4:00 p.m. on a Bank business day, express transfers take place on the current business day (After 4:00 p.m. Friday the "current business day" is the following Monday or on Tuesday if a Federal Holiday falls on Monday)

Either in the accounts list, or while in the account you wish to transfer FROM
1. Click on "Express Transfer"
2.Enter the amount(s) you wish to transfer into the space next to the account(s) you wish to transfer
TO (be sure to include a decimal point and two digits after it)
3.Click on "Next"
4.On the "Preview Transfer" page, check over the transactions. If all are correct, click on Submit.
5. If changes are needed click "Back"
6.On the "Transfer Confirmation" page, make note of the Confirmation Number

• Scheduled Transfer – Can be set up for a future date or as a recurring transfer

1. On the Account List page, click on the account number you wish to make the transfer from
2. Click on "Transfers"
3. Select "New Scheduled Transfer" from the drop-down
4. In the "To:" data box select the account you wish to transfer to
5. In the "Frequency:" data box, if you select On Demand, the transfer will go only once on the date you enter. If you select Monthly, Quarterly, Semi-Annually, Annually, Weekly, Bi-Weekly or Bi-Monthly, the transfer will become a "Recurring Transfer" and will take place at the intervals you have selected for the same amount each time to the account you have indicated
6. In the "Amount:" data box enter the amount you wish to transfer
7. In the "Date:" data box enter the date you wish the transfer to take place (Note: while an express transfer will affect the memo balance of the "From" account on the day it is set up, a scheduled transfer will only show up when the banking system updates on the evening of the transfer date.)
8. If you wish, you may enter a description of the transfer in the "message box" below and to the right of the "Description:" area

• Loan Payment – Can be done as either an Express Transfer, a Scheduled or a Recurring Transfer

1. On the Account List page, click on the account number you wish to make the loan payment from
2. Click on "Transfers"
3. Select Express Transfer or New Scheduled Transfer from the drop-down
4. In the "To:" data box select the loan you wish to make the payment to
5. In the "Payment Type:" data box select Regular Payment, Principal Payment, Interest Payment or Escrow Payment
6. In the "Frequency:" data box, if you select On Demand, the Payment will go only once on the date you enter. If you select Monthly, Quarterly, Semi-Annually, Annually, Weekly, Bi-Weekly or Bi-Monthly, the payment will become a "Recurring Transfer" and will take place at the intervals you have selected for the same amount each time to the loan you have indicated as the payment type you have selected
7. In the "Date:" data box enter the date you wish the payment to take place (Note: An express payment made before 4:00 p.m. on a business day will affect the memo balance of the "From" account on the day it is set up, and will post to the loan during the system update at night and will be reflected in the balance the following business day. A scheduled payment will only be reflected in both accounts when the banking system updates on the evening of the payment date.)
8. If you wish you may enter a description of the payment in the "message box" below and to the right.

• Request Account Servicing

• Reorder Checks

• Request Stop Payments (Normal Stop Pay fee per check)

• Download account transactions to accounting software*

• Downloading Transactions - You may download transactions from your Current and Previous Statements to Quicken, QuickBooks, Microsoft Money or any software that will accept a CSV (Comma Separated Value) file (this includes Excel and many spreadsheet software programs)

1. On the Account List page, click on the account you wish to download transactions from
2. Place your mouse cursor over the "Transactions Button"
3. In the drop-down menu, select "Transactions Menu" or "Export Transactions"
4. Select the date range and download format.

Web BillPay

• Pay Bills Electronically

• Schedule Payments in Advance

• Set Up Recurring Payments

• Send and receive e-mail payments

• Receive and pay electronic bills from designated payee

• How to enroll in Web BillPay*

• To enroll in Web BillPay, log into your Online Banking account and click on the checking account you wish to use for bill payment (if you have more than one, the EB Coordinator can link the other one[s] later). Click on the "Bill Payment" button in the lower row of buttons above the account information.
• A new screen will appear which may request that you enter your e-mail address and telephone number. Click on "Continue". The welcome page for Web BillPay will appear. Click on the "Pay Bills" button to get started setting up payees and paying up to a total of $400 in bills even before you confirm your account.

• How to confirm your payment account in Web BillPay*

• Log into your Online Banking account and click on the account number on the account list screen that you intend to use as your payment account.
• On the account summary screen, "mouse-over" the "Transactions" button and click on "Current Statement" in the drop down menu. Look for the two deposits from CheckFree and make note of the amounts. The amount of the debit that removes the deposits is not needed.
• Click on the "Bill Payment" button.
• On the "Payment Center" page in Web BillPay, click on the tab "My Accounts". A page will come up with your account information. Under "Status" it will say "Unconfirmed".
• Click on that link (the word "unconfirmed"). The next page will have two boxes for you to enter the amounts CheckFree deposited in your account. Please make note that you must put two zeros in front of the decimal point (00.xx) in each box.
• Click on the "Confirm" button.
• That will complete the confirmation process. If you have questions or problems, don’t hesitate to contact & the bank.

*** Freestar Online Banking is provided free to customers. Freestar Web BillPay is free as long as there are       one or more payments per month, otherwise there is a $5.95 ‘non-use’ fee.

Security

• Learn About Phishing, Pharming, And Identity Theft*

• Learn About Enhanced Online Security*

• Security Tips – How To Safeguard Your Credit And Minimize Loss*

Online Banking & Web BillPay Agreement

• View Agreement*

This Agreement is the contract that establishes the rules that cover your electronic access to your accounts at FREESTAR Bank ("Bank") through Online Banking ("System"). It also contains important disclosure information relating to electronic funds transfers made through the System. By accessing account information, making transfers or payments to third parties using Online Banking, you accept all the terms and conditions of this Agreement. Please read through it carefully.

this Agreement. Please read through it carefully. The terms and conditions of the deposit agreements and disclosures are for each of your FREESTAR Bank accounts, as well as your other agreements with the bank, such as loans, continue to apply notwithstanding anything to the contrary in this Agreement.

This Agreement is also subject to applicable federal laws and the laws of the State of Illinois. If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. The headings in this Agreement are for convenience or reference only and will not govern the interpretation of the provisions. Any waiver (expressed or implied) by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or subsequent default or breach. You may not assign this Agreement. This Agreement is binding upon your heirs and Bank's successors and assigns. Certain of the obligations of the parties pursuant to this Agreement that by their nature would continue beyond the termination, cancellation or expiration of this Agreement shall survive termination, cancellation or expiration of this Agreement.

Definitions

Definitions as used in this Agreement, the words "we," "our," "us," and "Bank" mean FREESTAR Bank. "You" and "your" refer to the accountholder authorized by Bank to use Online Banking under this Agreement and anyone else authorized by that accountholder to exercise control over the accountholder's funds through the System. "Account" or "accounts" means your accounts at Bank. "Transactions" can be access to account information, transfers between accounts, payments, or payees drawn on or against your accounts. "Electronic funds transfers" means ATM withdrawals, preauthorized transactions, and point of sale transactions, transfers to and from your bank accounts using Online Banking including bill payments. "System Services" means the services provided pursuant to this Agreement, including the Online Banking Web BillPay Services. "Business days" means Monday through Friday; holidays are not included.

We encourage you to keep this Agreement for your records. If you have any questions, please see the contact information at the end of this document.

Online Banking Services

You can use System to check the balance of your bank accounts, view bank account histories, transfer funds between your bank accounts, make stop payment requests, view checks, and pay bills from your bank accounts in the amounts and on the dates you request if you have requested the Web BillPay Service by enrolling. Balance and activity information are as current of the close of business of the previous business day, but may include current business day activity.

You have access to use Online Banking seven days a week, twenty-four hours a day, although some or all services may not be available occasionally due to emergency or scheduled system maintenance or unavoidable internet outages. We agree to post notice of any extended periods of non-availability under our control on the Online Banking web site.

Access

To use Online Banking, you must have at least one open account at the Bank, access to Internet service, and an e-mail address. Once we have received your Enrollment Form, and verified your account information, we will send you, either by e-mail or by postal mail, confirmation of our acceptance of your enrollment, along with your assigned login ID (Access ID) and initial Password.

For security purposes, you are required to change your initial Password to a unique Password consisting of at least (6) six alphanumeric characters and also non-alphanumeric characters can be used upon your initial login to the System. You agree to: (a) not disclose either the Access ID/Password or otherwise make it available to anyone else; (b) agree to change your password regularly; (c) immediately notify us of any loss or theft of the Access ID/Password; (d) be liable for the Access ID/Password and for its authorized use and for its unauthorized use as described in this Agreement; (e) be responsible for the confidentiality and security of your Access ID/Password. Your Password should not be associated with commonly known personal identification, such as social security numbers, address, or date of birth, and should be memorized rather than written down. Upon three unsuccessful attempts to use your Access ID/Password your access to Online Banking will be revoked. To re-establish your authorization to use Online Banking, you must contact Bank to obtain a new temporary password.

Unless you notify Bank as provided in this Agreement, you acknowledge that we are entitled to rely on the use of your Password as your authorization for any transaction through Online Banking. If you permit any other person to use Online Banking or your Access ID/Password, you will have authorized that person to access your Accounts and you are responsible for any transactions that person initiates or authorizes from your Accounts.

Enhanced Online Security

In addition to your Access ID and Password, you will be enrolled in Bank’s Enhanced Online Security (EOS) program. Upon enrollment, you will receive a unique Authentication Image. You will select a personal image Pass Phrase to identify the image. You will be required to select three Security Challenge questions and choose answers for the questions. Furthermore, you will be required to indicate whether you wish to register the computer from which you are accessing the Online Banking system or not to register it. If you are using a "public" computer or a computer belonging to someone else, you should not register the computer. Each time you log in from an unregistered computer, you will be required to either: 1. Answer one of your selected Challenge questions or to have a temporary password sent to the e-mail address you specified when you enrolled in EOS. If you cannot answer the security question or retrieve the temporary password, you will be denied access to Online Banking until such time as you can successfully log in.

You agree to: (a) not disclose any of the EOS enrollment information, including your personal Authentication Image/Pass Phrase or the answers to your Security Challenges or otherwise make any of said information available to anyone else; (b) immediately notify us of any loss or theft of the EOS enrollment information; (c) be liable for the EOS enrollment information and for its authorized use and for its unauthorized use as described in this Agreement; (d) be responsible for the confidentiality and security of your EOS enrollment information. Your Pass Phrase for the Authentication Image should not be associated with commonly known personal identification, but should be unique to you. Your Authentication Image and Pass Phrase will identify FREESTAR Bank’s website to be authentic. When logging in, after entering your Access ID, if the Authentication Image and Pass Phrase are not the ones you chose when you enrolled, DO NOT enter your password. Immediately close the webpage and contact the Bank. After initial EOS enrollment, you may change your Authentication Image, Pass Phrase and select different Challenge questions and answers if you wish. If you believe that your computer may not be secure, or if there are other users, BANK recommends that you do not register it. In the registration process, if you register your computer, a "cookie" will be placed on your computer to identify your computer to bank’s System. If your computer will not accept cookies from BANK’s system, it will not be enrolled.

Security

Your Access ID, Password and EOS enrollment information are intended to provide security against unauthorized entry and access to your accounts. Data transferred via System is 128-bit encrypted in an effort to provide transmissions security, and the System utilizes identification technology to verify that the sender and receiver of System transmissions can be appropriately identified by each other. Notwithstanding our efforts to insure that the System is secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others. We cannot and do not warrant that all data transfers utilizing Online Banking, or e-mail transmitted to and from us, will not be monitored or read by others.

There is an immense responsibility on your part in preventing the misuse of your Accounts through Online Banking, and you agree to promptly examine your paper statement for each of your bank accounts as soon as you receive it/them. You agree to protect the confidentiality of your account, Access ID, password and EOS enrollment information. You understand that Access ID and Password by itself, or together with information relating to your account, may allow unauthorized access to your account.

Inform FREESTAR Bank AT ONCE by phone if you feel your Access ID and Password have been compromised. If you believe that your Online Banking access is subject to unauthorized use or that someone has transferred or may transfer money from your account without your permission, write us at the address below, or call or email us during regular business hours:

Write: FREESTAR Bank, N.A.
Electronic Banking Department

PO Box 680
Pontiac, IL 61764-0680

Call: (815) 844-3171, ext 180
E-mail: I-Banking@freestarbank.com

Fees and Charges

You are responsible for Internet service fees you may incur in connection with your use of Online Banking

Online Banking Account Access: FREE

Online Banking Account Access with Web BillPay: FREE to users. Customers who do not make a minimum of one payment per month on Web BillPay will be charged a $5.95 Non-use Fee for each month of non-use.

FREESTAR Bank reserves the right to change the fees, and customers will be properly notified.

Statement Documentation

You will not receive a separate System statement. Transfers to or from your account using Online Banking will appear on your regularly scheduled periodic statement. You will get a monthly statement if you have an Account upon which checks or drafts may be drawn. You will get a statement on your regular savings account if there are Transactions during the month. The Payee name, payment amount, and Transaction date will be reflected for each payment made though the Service.

Transfers

Funds are available for transfer(s) or payment(s) in accordance with our Funds Availability Policy contained in the Deposit Account Agreement booklet. Express Transfers initiated through Online Banking before the end of a business day are posted to your account the same day. Transfers completed after close on a business day, Saturday, Sunday or banking holiday, will be posted on the next business day. Online Banking identifies transfers based upon the Access ID and Password of the user who made the electronic transfer. You agree to communicate with any other persons with authorized access to your accounts concerning any transfers or bill payments from your accounts in order to avoid overdrafts.

If your account has insufficient funds to perform all electronic fund transfers you have requested for a given business day, then:

a. Electronic funds transfers involving currency disbursements, like ATM withdrawals, will have priority;
b. Electronic funds transfers initiated through Online Banking that result in an overdraft of your account may, at our discretion, be cancelled;
c. In the event the electronic fund transfers initiated through Online Banking are not cancelled results in an overdraft of your account, overdraft charges will be assessed pursuant to the terms of the deposit agreement for that account.

Subject to available Deposit Account balances, funds transfers and Bill Payment can be made for any amount. There are no limitations on the number of Transactions that can be made during any time period to or from any Account, except as prohibited by federal regulations limiting preauthorized transfers, (Regulation D). By federal regulation, you are limited during any statement cycle to six preauthorized or automatic transfers (three of which may be check, draft or similar order) if the Account is a savings or a savings with check writing privileges (money market type) account. Online transfers and Bill Payment between your Deposit Accounts are considered preauthorized transfers.

Check Or Ach Debit Stop-Payment Orders

By completing a request for stop payment on a check or Automated Clearing House (ACH) debit via I-Banking, you are indicating that you understand that the request will affect only the payment specified on that request. Subsequent payments not specified in the request to the payee you have indicated will continue to be honored until you take the actions necessary to revoke the authorization originally given to the bank to allow multiple debits to your account.

To be effective, a Stop-Payment Order must be received in time to allow the bank a reasonable opportunity to act on it, and for some ACH debits, must be received at least three banking days before the scheduled date of transfer. The Stop-Payment Order also must identify the payment sufficiently to allow the bank a reasonable opportunity to act upon it. Stop-Payment Orders are effective for 6 months after date received and will automatically expire after that period unless renewed in writing. With respect to ACH debits, you and the bank agree to abide by the ACH rules and regulations regarding Stop-Payment Orders.

If you are requesting a stop payment on an ACH debit, you will receive, in the mail, an ACH affidavit which must be signed and returned to the bank within 14 days for the Stop-Payment Order to remain effective.

Online Banking Web BillPay

You must designate the Bank checking account from which the payments are to be made; the complete name of the Biller, account number with Biller, and the Biller's remittance address, as shown exactly on the billing statement or invoice; the amount of the payment; and the date you want the payment to be debited from your account.

To ensure your bills are paid on time, we recommend that each time you add a new Biller that you set up the bill to be paid three (3) to five (5) days prior to the bill’s due date. You can designate a date by which you want the payment to be made, and that day can be any Business Day up to 360 days in advance of the day when the payment is due.

Scheduling Payments

You understand and agree that we are not responsible for the timely delivery of mail, improper transmission of payments or handling of payments by a third party such as the failure of the bill payment Biller to properly post a payment to your account

It is your responsibility to transmit your bill payment authorizations in such a manner 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 transmit payment authorizations in sufficient time.

While most Billers can be reached through FREESTAR BANK’s Web Bill Pay, you may not make a payment to a foreign address outside of the United States. It is not recommended to use the service for a payment of alimony, maintenance, child support, taxes or other governmental fees or court-directed payments

IIf there are insufficient funds available in the Payment Account to make payments you have authorized, the bank may refuse to honor the resulting debit requests from your account. If we refuse to honor a debit request due to insufficient available funds, you will be charged the current NSF fee from FREESTAR Bank, plus the current NSF fee from CheckFree. A notification will be issued of debit request not paid and be sent via the US Mail. We will not be liable to you if a Biller cannot or will not accept a payment made through the Service. You agree to notify CheckFree promptly if you receive notice from a Biller that a payment you made using the Service has not been completed or remains unpaid. We will not be liable to you for any damages to the extent that your failure or delay in notifying CheckFree that a bill payment was not made prevents them from avoiding or alleviating such damages.

If you have any questions about the bill payment date setup, please feel free to contact us using the information contained at the end of this document. Your first use of the service indicates your acceptance of the Terms & Conditions.

Cancel a Bill Payment

To cancel a bill payment that you have scheduled through Online Banking Web Bill Pay, you must cancel the payment either by changing or deleting it in your "pending payments" in your Online Banking Web Bill Pay access. Issuing a Stop Pay on a processing Web BillPay payment may cause your WBP account to be "Frozen" and scheduled Payments to be cancelled. Please call the Electronic Banking Coordinator before stopping payments in Web BillPay.

Change in Terms

We may change any term of this Agreement at any time. If the change would result in increased fees for any Online Banking service, increased liability for you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice at least 30 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or electronic transfer system. We will post any required notice of the change on the Bank System web site or forward it to you by e-mail or by postal mail. Your continued use of any or all of the subject Online Banking Services indicates your acceptance of the change in terms. We reserve the right to waive, reduce or reverse charges or fees in individual situations. You acknowledge and agree that changes to fees applicable to specific accounts are governed by the applicable deposit agreements and disclosures.

EFT Error Resolution Notification

In case of errors or questions about your electronic transfers, if you think your paper statement is wrong, or if you need more information about a transfer listed on your paper statement, contact us as soon as you can. We must hear from you no later than 60 days after we sent the FIRST paper statement upon which the problem or error appeared. When you contact us:

a. Tell us your name and account number.
b. Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error, or what additional information you need about the transfer.
c. Tell us the dollar amount of the suspected error.

If you contact us by telephone or secure e-mail, we will require that you either come in and complete the proper paper work, or send us your complaint or question in the form of paper writing by postal mail or fax within 10 business days from the notification.

We will communicate to you the results of our investigation within 10 business days (20 business days if the transfer involved a new account) after you contact us 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 provisionally credit your account within 10 business days, (5 days if the transaction occurred on your Check Card), (20 business days if the transfer involved a new account) for the amount you think is an 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 in the form of a paper writing within 10 business days, we may not provisionally credit your account .

If we decide that there was not an error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. If we have made a provisional credit, a corresponding debit will be made from your account.

If the suspected error relates to a bill payment made via the Online Banking Web Bill Pay service, please utilize the payment inquiry procedure from within the Online Banking Web BillPay service website. If you have questions about how to do this, please contact us at the telephone number below.

Our Liability for Failure to Make a Transfer

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 when you have properly instructed us to do so, we will be liable to you for your losses or damages caused as a result. However, there are some exceptions. We will NOT be liable, for instance:

a. If, through no fault of ours, you do not have enough money in your account to make a transfer.
b. If the funds in your account are subject to legal or other encumbrances restricting the transfer.
c. If any electronic terminal, telecommunications device, or any part of I-Banking was not working properly and you knew about the breakdown when you started the transfer.
d. If the transfer would cause your balance to go over the credit limit of an established line of credit.
e. If circumstances beyond our control (such as fire, flood, other natural disaster or act of war, interruption in telephone service or other communication lines) prevent the transfer, despite reasonable precautions that we have taken.
f. There may be other exceptions stated in our agreement with you

The following pertains to Online Banking Bill Payment, and other exceptions that the bank will NOT be liable for:

a. If you or anyone authorized by you, commits any fraud or violates any law or regulation.
b. If you have not provided CheckFree with complete and correct payment information for the Online Banking Web BillPay Service, including, without limitation, the name, address, your Biller-assigned account number, payment date, and payment amount for the Biller on the bill payment.
c. If you have not properly followed the on-screen instructions for using the System.
d. You do not authorize a payment soon enough for your payment to be received by the Biller by the time it is due.
e. A Biller does not accept, mishandles or delays in handling payments.
f. Delay or loss of payments caused by the U.S. Postal Service or other commercial delivery service

Your Liability for Unauthorized Transfers

Contact us at once if you believe your Access ID, Password and EOS enrollment information have been lost, stolen, used without you authorization, or otherwise compromised, or if someone has transferred or may transfer money from your accounts without permission. An immediate telephone call to us is the best way to reduce any possible losses. You could lose all the money in your accounts (plus your maximum overdraft line of credit, if any). If you contact us within 2 business days after you learn of the loss, theft, compromise, or unauthorized use of your Access ID and Password, you can lose no more than $50 if someone used your password without your permission.

If you do NOT contact us within 2 business days after you learn of the loss, theft, compromise, or unauthorized use of your password, and we can prove we could have stopped someone from using your Access ID and Password to access your accounts without your permission if you had told us, you could lose as much as $500

Also, if your paper statement shows transfers that you did not make, contact us at once. If you do not tell us within 60 days after the paper statement was mailed to you, you may not get back any money you lost through transactions made after the 60 day time period 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 hospital stay) kept you from contacting us, we will extend the time periods.

Disclaimer of Warranty and Limitation of Liability

We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the Online Banking services provide to you under the Agreement. We do not and cannot warrant that the System will operate without errors, or that any or all System Services will be available and operational at all times. Except as specifically provided in this Agreement, or otherwise required by law, you agree that our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products provided under this Agreement or by reason of your use of or access to System, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty. Further, in no event shall the liability of the Bank and its affiliates exceed the amounts paid by you for the services provided to you through Online Banking.

Except as otherwise provided in this Agreement or by law, we are not responsible for any loss, injury, whether direct, indirect, special or consequential, caused by the Service or the use of the Service, or arising in any way our through your installation, operation, or maintenance of your computer or related equipment.

Termination of Agreement

You may cancel your Online Banking or Online Banking Web Bill Pay service at any time by providing us with signed, written notice by postal mail or fax. Your access to Online Banking will be suspended within 3 business days of our receipt of your instructions to cancel the service. You will remain responsible for all outstanding fees and charges incurred prior to the date of cancellation, as well as any payments that are in process at the time of cancellation.

You agree that we can terminate or limit your access to Online Banking services for any of the following reasons:

a. without prior notice, if you have insufficient funds in any one of your Bank accounts. System service may be reinstated, in our sole discretion, once sufficient funds are available to cover any fees, pending transfers, and debits.
b. upon reasonable notice, and for any other reason in our sole discretion.

Consent to Electronic Delivery of Notices

You agree that any notice or other type of communication provided to you pursuant to the terms of this Agreement, and any future disclosures required by law, including electronic fund transfer disclosures, may be made electronically by posting the notice on the Bank System web site or by e-mail. You agree to notify us immediately of any change of your e-mail address.

Communication with Bank

Unless this Agreement provides otherwise, you can communicate with us in any one of the following ways:

Telephone: (815) 844-3171

Facsimile: (815) 842-2958
Postal Mail:
FREESTAR Bank
Electronic Banking Services P.O. Box 680
Pontiac, Il 61764

In person: You may visit us in person at any one of our locations: