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Business Online Banking Terms and Conditions


This Agreement contains the terms and conditions that apply to your use of Morton Community Bank Business Online Banking. The terms and conditions contained in this Agreement are in addition to any and all terms, conditions, rules and regulations that apply to any accounts or services you obtain from Morton Community Bank. Your registration for use of Morton Community Bank Business Online Banking service constitutes your acknowledgment and agreement with the terms and conditions of this Agreement.

Modifications to this Agreement
Morton Community Bank reserves the right to change the terms and conditions of this Agreement at any time. Any changes made to this agreement will update to the Terms and Conditions posted at Morton Community Bank Online Bank site. Revised terms and conditions shall become effective at the earliest date allowed by applicable law or regulation.


  • "Account(s)" - Your MCB deposit and loan accounts that may be accessed via Online Banking.
  • "Agreement" - refers to this document.
  • "We, US, Our or Bank" - refers to Morton Community Bank
  • "MCB Online Bank" - is the Internet based service that provides access to your MCB bank accounts.
  • "Bill Pay" - is the Internet-based service providing payments to third parties from Morton Community Bank Access to Online Banking

To access your MCB accounts via Online Banking, you must first register for the service. Registration includes assignment or selection of an "Access ID" and "Password". Both will be required for access.

Hardware/Software Requirements
You will need a connection to the internet.
We recommend a Web browser with additional security features (Secure Socket Layer or SSL).

Description of Services
You may use Online Banking to perform the following functions:

  • Check deposit or loan account balances
  • View recent transactions in real-time
  • Transfer funds between your Hometown Community Bank accounts
  • View cleared check images and deposit slips
  • View eStatements
  • Download account details into Quicken® or Money®
  • Plus, add on Business Online Bill Pay

Terms and Conditions

Access ID and Password
You will need an Access ID and Password to access your accounts through Online Banking. Access IDs may be up to 19 characters of any combination of letters or numbers.

Passwords must contain a minimum of 8 and a maximum of 17 characters, at least one upper case letter, at least one lower case letter, at least one number, at least one special character, such as "$" or "#” and cannot contain any part of the access ID or the word “password”.

You agree use of Access ID and Password constitutes an electronic signature for you and the Bank may accept as authentic any instructions given to us through the use of your Access ID and Password. You agree to keep your password secret and to notify the Bank immediately if your password is lost or stolen or if you believe someone else has discovered your password. You agree that if you give your Access ID and Password to someone else, you are authorizing them to act on your behalf, and the Bank may accept any instructions they give the Bank to make transfers or otherwise use the Service. The Bank may require you to change your password from time to time or on a regular basis to enhance security.

Hours of Accessibility
You can access your accounts through Online Banking 24 hours a day, 7 days a week, except during maintenance periods or periods during which Online Banking otherwise is not operable. Transactions performed after 4:00 p.m. (Central time) Monday through Friday, or at any time on Saturdays or Sundays will be processed the following business day (Monday through Friday).

All responsibility or liability for any damages caused by viruses contained within the electronic files or at this website is disclaimed.

Links to Other Web Sites
For the convenience of our customers, the website may contain links to other websites not owned or managed by the bank. The Bank is not responsible for the content in such websites, and such web sites are not investigated, monitored, or checked for accuracy by the bank.

Indemnification by User
The user agrees to indemnify and hold the bank, harmless from any liability, loss, claim and expense, including attorney's fees related to a user's violation of these terms and conditions or the use of the services and information provided at this website.

Typographic Errors
This website could include technical inaccuracies or typographical errors.

Electronic Mail Messages
Please note that electronic mail is not a secure form of communication and should not be used to communicate sensitive information to the Bank. We may not immediately receive any email sent by you. We need a reasonable opportunity to take action or respond to email requests. Do not use email to transfer funds, report unauthorized transactions or report unauthorized use of your Access ID and password. You must notify us in person, at the phone number or address listed in the Agreement.

Our Liability
If we do not complete a transfer to or from your account on time or in the correct amount, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable:

  • If through no fault of ours, your account does not contain enough available funds to make the transfer.
  • If your account has been closed.
  • If you have money in your account but the funds are subject to legal process or other encumbrance.
  • If the transfer would exceed credit limits or other arrangements for covering overdrafts.
  • If you have not properly followed the Online Banking instructions.
  • If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.

Access to Line of Credit
Access to your Line of Credit, through Online Banking is equivalent to accessing your line of credit by check; however, there can be no stop payment orders issued and the minimum dollar amount for each transaction remains applicable.

Automatic Termination
Customers may be automatically deleted from Online Banking after 90 days of inactivity. If you wish to re-enroll, you may contact your friendly Hometown Banker for assistance.

Right to Refuse Service
Online Banking services may be revoked or refused at the discretion of Morton Community Bank.

Governing Law
This Agreement shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflicts of law provisions.

Errors and Questions
In case of error or questions regarding a Business Online Banking or bill pay transaction, telephone us at 888-418-5585 between the hours of 8:00 am and 5:00 pm (CT), Monday through Friday (except bank holidays) or 8:00 am and 12:00 pm on Saturday. You may also write a letter and send it to:

Morton Community Bank
Electronic Banking Department
721 W. Jackson St
PO Box 104
Morton, IL 61550

We will need the following information regarding the problem or error:

  • Your name and account number.
  • A description of the error or the transfer in question, and an explanation as to why you believe it is an error or need more information.
  • The dollar amount of the transaction in question.
  • The date on which the error occurred.

Inactivity / Termination
You are responsible for complying with all the terms of this agreement and with the terms of the agreement governing the deposit accounts which you access using electronic banking services. We can terminate your Online Banking privileges (including the Bill Payment Service) under this Agreement without notice.

Optional Bill Pay Services
Please refer to the Bill Pay Terms and Conditions when requesting this service.

Amendment and Termination
Morton Community Bank has the right to change this Agreement at any time by notice mailed to you at the last address shown for the Account on the Financial Institution's records, by posting notice in branches of the Financial Institution, or as otherwise permitted by law.
Morton Community Bank has the right to terminate this Agreement at any time. You may terminate this Agreement by written notice to Morton Community Bank. Morton Community Bank is not responsible for any fixed payment made before Morton Community Bank has a reasonable opportunity to act on your termination notice. You remain obligated for any payments made by Morton Community Bank on your behalf.

Fees for Internet Banking and Bill Pay

Basic Internet Banking
There is no fee for Basic Internet Banking without the Bill Pay option.

Optional Bill Pay service
The optional Business Bill Pay service fee is $0.50 per item.

Last updated 1-2018

Routing Number
Call Us
(888) 418-5585
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Morton Community Bank
Morton, IL
NMLS #422122
Member FDIC
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