Online Banking Services

Terms of Use

Terms of Use Agreement for Flowers Bank Online

This Terms of Use Agreement for Flowers Bank Online (the "Agreement") governs the terms and conditions of your use of Flowers Bank Online (the "Service") accessible from our website (  By use of the Service, you agree to accept the terms and conditions set forth in this Agreement, as such Agreement may be amended from time to time.

Definitions in this Agreement - In this Agreement, the following definitions apply: the terms "you" and "your" mean a Flowers National Bank customer who enrolls in the Service and any others you permit to use the Service.  "We", "us", "our" or "Flowers Bank" means Flowers National Bank. "Deposit Account" means a deposit account you maintain with us.  "Credit Account" means a loan, credit line, credit card account or other credit account you have with us. "Bank Account" means your Deposit Account(s) and Credit Account(s). "Account Terms and Conditions" refers to the Deposit Account Agreement, signature card and disclosures governing a Deposit Account.  "Credit Agreements" refer to any credit agreements and related documents and disclosures governing any Credit Account. Any capitalized terms which are not defined in this Agreement shall have the meaning set forth in the Deposit Account Agreement.

Contacting Us Regarding the Service - Because Internet e-mail transmissions may not be secure, you agree to contact us via telephone or mail rather than electronically for inquiries relating to the Service or your Bank Accounts.  To contact us via telephone, call 1-877-715-5033, and via mail, write to us at 1415 Washington St., PO Box 107, Cainsville, MO 64632, ATTN: Flowers Bank Online.

Enrollment – To enroll, please log onto and click the link to Flowers Bank Online. Then click the "First Time Log In" link to complete your application form.  Upon completion of the application form, you will then complete the process to establish your Access ID.  Your initial password will be your last 4 digits of your Social Security Number.  Each time you access the Service you will be required to enter your Access ID and Password.  In addition, the Service utilizes a security authentication image and pass phrase with three separate challenge questions.

You may change your Password and authentication security features at any time, but you will not be able to change your Access ID.  Your Password is case-sensitive and must consist of at least 8 characters containing at least 1 letter, 1 number and 1 special character (!,@,#,$,%, etc.).  For example: If your Password is F!OWERS83, you need to type it exactly like that; F!owers83 or f!owers83 will not allow access.

After enrollment, if you do not know or have forgotten your Access ID or Password, call technical support at 1-877-715-5033 . You will receive an e-mail, no later than the following business day (to the e-mail address provided at time of enrollment) including your login information.  After 3 invalid login attempts your Access ID will be disabled.  To reset your Access ID contact a technical support representative at 1-877-715-5033. Technical Support is available each business day from 8:30 a.m. - 4:00 p.m. Central Time.

Your Access ID and Password are for your use only.  You are responsible for maintaining the confidentiality of your Access ID and Password and any breach of confidentiality must be promptly reported to us.  If you provide these to any other person,  you are authorizing that person to make transactions on your account and you will be responsible for those transactions.

Access -You can access Online Banking 24 hours a day, 7 days a week except during infrequent special or scheduled maintenance periods.

Computer Equipment and Software We are not responsible for any errors, deletions, or failures that occur as a result of any malfunction of your computer or software used in accessing the Service.

Daily Processing Deadlines - For purposes of the Service, our business day ends at 6 p.m. Central Time, Monday through Friday. Transactions received after 6 p.m. Central Time on a given business day, will be processed on the next business day.

Balance Posting Schedule - Balances are reflected on the Service at different times and on different schedules, as shown in the chart below.

Type of Transaction When Balances Change on the Service
Teller Transfers Immediately
Debit Card and ATM transactions Next Business Day
For Transfers between Deposit Accounts and/or Credit Accounts
  • Immediately if before 6 p.m. Central Time on a business day
  • Next business day if after 6 p.m. Central Time on a weekend or holiday

Bill Pay – By clicking on the "Bill Payment" link, you may access the Bill Payment Service offered by Flowers Bank through CheckFree Services Corporation, a subsidiary of Fiserv Solutions, Inc. (the "Bill Payment Service").  The Bill Payment Service is governed by the Terms and Conditions of the Bill Payment Service which are available when you click the "Bill Payment" link.  The Terms and Conditions of the Bill Payment Service are separate and apart from this Agreement.

Customer's Responsibility - You shall be responsible for all transfers that you authorize through the Service. You shall also be responsible for all transactions completed by persons to whom you have given your Access ID and/or Password.

Commercial Accounts - This section applies only to commercial customers.  You are a commercial customer if you are not using the Service solely for personal, family or household purposes.  As a commercial customer, you agree that we may send communications concerning the Service to the current address shown in our records for your Bank Account, even if the address we use does not require delivery to a particular person or officer. These communications may include your Access ID or Password. We will have no liability if any such communications are received by or intercepted by an unauthorized person.  You agree to keep your Access ID(s) and Password(s) secure and to provide them only to persons with a need to know and who are authorized signers on the applicable Deposit Accounts. You must train all persons receiving Access ID(s) and Password(s) not to provide such information to any other person.

You recognize and agree that we will have no liability to you for any unauthorized access to your Deposit Account(s) or Credit Account(s), or for any payment or transfer made to or from your Deposit Account(s) or Credit Account(s) that occurs before you have notified us of loss of your Access ID or Password, or of any possible unauthorized use and we have had a reasonable opportunity to act on that notice. If you believe your Access ID or Password has been lost or stolen, call: 1-877-715-5033, or write: 1415 Washington St., PO Box 107, Cainsville, MO 64632, ATTN: Flowers Bank Online.

You acknowledge and agree that the security procedures used in connection with the Service are commercially reasonable. You also acknowledge and agree that the protections of the Electronic Funds Transfer Act, Regulation E of the Federal Reserve Board or other similar state laws or regulations provided for consumers as set forth in the Section entitled CONSUMER DISCLOSURES do not apply to you, your Deposit Accounts or Credit Accounts or any access to or transfers from such accounts through use of the Service.


Consumer LiabilityTell us AT ONCE if you believe your Access ID or Password has been lost or stolen. Telephoning is the best way of keeping your possible losses down.  You could lose all the money in your account (plus your maximum overdraft line of credit, if applicable). If you tell us within two (2) business days after you learn of the loss or theft of your Access ID or Password, you can lose no more than $50 if someone used your Access ID or Password without your permission.  

If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Access ID or Password and we can prove we could have stopped someone from using your Access ID or Password without your permission if you had given us notice, you can lose as much as $500.

Also, if your statement shows transfers that you did not make, including those made by use of your Access ID or password or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the sixty (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 periods.

Contact in Event of Unauthorized Transfer - If you believe your Access ID or Password has been lost or stolen, call: 1-877-715-5033, or write: 1415 Washington St., PO Box 107, Cainsville, MO 64632, ATTN: Flowers Bank Online.  

You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.  

Business Days – For purposes of these disclosures, our business days are Monday through Friday.  Holidays are not included.

Online Transactions and LimitationsYou may use the Service to: (i) transfer funds between Deposit Accounts; (ii) make payments from Deposit Accounts to Credit Accounts; (iii) access account balances and information for up to the last two statement cycles on eligible Deposit Accounts; (iv) view and print images of checks written from your Deposit Accounts; and (v) view and print statements for the last two statement cycles.
These functions of the Service are limited to the extent, and subject to the additional terms below:

  1. Money Market Deposit Accounts and Savings Accounts. Your ability to transfer funds between and/or make payments from certain Deposit Accounts is limited by law. You may make up to a total of 6 pre-authorized, automatic or telephone transfers or payments per statement cycle from each of your money market deposit accounts and savings accounts to other accounts or third parties. Transfers and payments from money market deposit accounts and savings accounts made through the Service are counted against the permissible number of transfers or payments  (except automatic deductions to pay Credit Accounts are not included in the number of transfers or payments).

  2. Transfers.                                                                                                         
    a.             Scheduling Transfers. You may schedule a transfer to be initiated on the same day (Same Day Transfer), on any calendar day (Future Transfer) or to be automatically initiated in a fixed amount on a weekly, biweekly, monthly, quarterly, semi-annual and annual basis (Recurring Transfer) between your Bank Accounts. Individual or daily transfers between eligible Bank Accounts may be made in any amount not exceeding the available balance in your Deposit Account from which the transfers are made. We reserve the right to limit the frequency and dollar amount of transactions from your Bank Accounts for security reasons.
    Your account balance affected by a Same Day Transfer will be available immediately for incoming checks and electronic items if the Same Day Transfer is made by 6 p.m. Central Time on a business day. Your account balance affected by a Same Day Transfer will be available the next business day if the Same Day Transfer is made after 6 p.m. Central Time on a business day.
    b.             Canceling Transfers. You may use the Service to cancel a Future or Recurring Transfer if your request to cancel is received no later than 6 p.m. Central Time the day prior to such transfer.

  3. Account Information. The account information that you access via the Service will generally be current as of the Business Day you obtain the information, unless another time is specified. Information is available for your Deposit Accounts for up to the last two statement cycles.

Fees – We do not charge a fee for using the Service.  Any other fees applicable to your Bank Accounts continue to apply.  You agree that we are not responsible for any telephone or other internet access charges you may occur by using the Service.  

Periodic Statements-We will mail or deliver to you periodic statements for your Deposit Accounts as disclosed in the applicable Account Terms and Conditions. You may also receive periodic statements for certain Credit Accounts as set forth in the applicable Credit Agreement. Transfers made through Flowers Bank Online will be reflected on applicable periodic statements.     

Our Liability 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:

(1) If, through no fault of ours, you do not have enough money in your account to make the transfer.
(2)  If the transfer would go over the credit limit on your overdraft line.
(3) If the Service was not working properly and you knew about the breakdown when you started the transfer.
(4) If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
(5) There may be other exceptions stated in our agreement with you.

To the extent not prohibited by applicable law, we shall not be liable for any error or delay so long as we have acted in accordance with this Agreement. Our responsibility under this Agreement is limited to the exercise of reasonable and ordinary care, and (except to the extent required by applicable law or regulations) we are not liable for any error or delay on the part of any third party or for any other act or omission of any third party).  We shall not be liable if you have not given us complete, correct or current transfer or payment instructions or if you have not properly followed instructions concerning the use of the Service.

Except as otherwise provided in this Agreement or as required by applicable law, we are not responsible for any loss, injury or damage, whether direct, indirect, incidental, special or consequential (including attorneys fees, lost profits, even if we are advised in advance of the possibility of such damages) caused by the Service or the use thereof, including without limitation, any loss or damage from subsequent wrongful dishonor or any claim arising out of the use of the Service on your computer or other electronic device.

ConfidentialityWe will disclose information to third parties about your account or the transfers you make – (i) where it is necessary for completing transfers, or (ii) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or (iii) in order to comply with government agency or court orders, or (iv) if you give us your written permission.  

Error Resolution – In Case of Errors or Questions About Your Electronic Transfers Telephone us at 1-877-715-5033, Write us at 1415 Washington St., PO Box 107, Cainsville, MO 64632, ATTN: Flowers Bank Online as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

(1)  Tell us your name and account number (if any).
(2)  Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
(3)  Tell us the dollar amount of the suspected error.

If you tell us orally, we may 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 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 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.

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.


Severability - If any provision of this Agreement is found to be invalid or unenforceable under applicable law, only such provision or provisions shall be deemed and void and the remaining provisions of the Agreement shall remain operative and in full force and effect and shall in no way be affected.  

Amendment - This Agreement may be amended at any time by the Service and the revised information will be made available at any Flowers Bank office and, in many cases, will be mailed or sent via electronic mail to you. You will be required to abide by these changes in future transactions.

Other Agreements - Each of your Deposit Accounts is also governed by the Account Terms and Conditions, which were provided to you when you opened your Deposit Account, as the Account Terms and Conditions may be amended from time to time. Each of your Credit Accounts is also governed by the Credit Agreements governing the Credit Account, which you received at the time you opened your Credit Account, as such documents may be amended from time to time.  The Account Terms and Conditions, Credit Agreements and any related disclosures, rules, regulations, schedules, or authority executed by or made available to you are in addition to this Agreement.  

In addition, this Agreement is supplementary to the "Terms of Use Agreement Between User and Flowers National Bank" which governs the Flowers Bank website available here (the "Terms of Use").  Should there be a conflict between this Agreement and the Terms of Use, this Agreement will govern with respect to the Service.

Termination - Either party may terminate this Agreement by giving sufficient notice to the other party.  Any transactions you have made prior to notice of termination will continue to be made until Flowers Bank has had a reasonable opportunity to act upon the notice of termination.  If Flowers Bank terminates your access to the Service, Flowers Bank reserves the right to immediately stop making transfers or payments from your account(s), including those you previously authorized.

Applicable Law -This Agreement shall be governed by and interpreted in accordance with the laws of the State of Missouri where the principal offices of Flowers Bank are located. This Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective legal representatives, successors and assignees.

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