Online and Phoneline Banking terms and conditions

These terms and conditions apply to the agreement (referred to as ‘this agreement’) between the account holder (referred to throughout these terms and conditions as ‘you’ and ‘your’) and AIB Group (UK) p.l.c., trading as First Trust Bank, its successors and assigns (referred to throughout these terms and conditions as ‘we’, ‘us’ and ‘our’) for using our Online and Phoneline Banking services.

Definitions

Within this agreement, some words have special meanings. Where something is referred to in singular form it also includes the plural form and vice versa.

‘Account’ means an account in sterling you hold with us and set up to use our banking services.

‘Account holder’ means the person or people who hold an account with us – such as personal customers and sole traders with personal liability, or partnerships – that allow one person to sign a mandate on behalf of the business. Unless all of you who hold a joint account are authorised to sign on behalf of the other joint account holders, you will only be allowed to use Online and Phoneline Banking for non-value transactions. You will not be able to carry out transactions such as transferring money or paying bills. Limited companies are not eligible for Online and Phoneline Banking.

‘Agreement’ means the agreement between us and you for any of the services through Online and Phoneline Banking, including:

• the registration process;

• these terms and conditions;

• the privacy and security policy appearing on our website from time to time; and

• the data protection notice.

If the above documents contradict or appear to contradict each other in any way, you should refer to these terms and conditions as they will take priority in all cases.

‘Banking day’ means any day from Monday to Friday that is not a bank holiday.

‘Banking services’ means the services (including ‘Transfer Money, ‘Bill Pay’ and ‘Regular Payments’) listed in the ‘Online and Phoneline Banking user guide’ which you can use through our Online and Phoneline Banking services.

‘Bill pay’ means the facility you can use through Online and Phoneline Banking to make payments to companies.

‘Code card’ means the card we can give you that contains 100 unique codes, which you should use for Online Banking. For authentication purposes, we will ask you for a code from your code card when you carry out certain transactions on Online Banking.

‘Credit card’ means any First Trust Bank Visa card or MasterCard.

‘Customer service adviser’ means one of our employees or agents who we have authorised to help you with Online and Phoneline Banking.

‘Cut-off time’ means the latest time for us to receive your instructions for whatever services you need on a banking day, as explained in the user guide.

'eStatements', means an electronic bank statement or credit card statement that you have requested to receive instead of your paper statement.  You will be required to agree to the full eStatement terms and conditions which are available on our website,

‘Fees and charges’ means the published list of our prices, fees and interest. You can get this list from any of our branches and on our website.

‘Forward bill payments’ means that you can put a future date (also referred to as ‘forward dating’ or ‘post-dating’) on a payment of up to 28 days in advance. When you choose the
date for the payment to come out of your account (for example, on the 15th of the month), we will transfer the money out of your account on the 15th and it will normally be paid into the other person’s account on the 18th – that is, three banking days later.

Please make sure that you have enough money in your account on the date you want to make the payment. If you do not have enough money in your account, the payment will not go out of your account. You will not receive any notice to tell you this transaction has failed.

‘Intra-account funds transfer’ is when you use Online and Phoneline Banking to transfer money into any other account, registered account or third-party account held with us.

‘Inter-account funds transfer’ is when you transfer money into an account held with another financial institution which is based in the UK and has an APACS sorting code. (APACS is the UK payments association.)

‘Jointly and severally bound’ means that if you have a joint account, the terms and conditions will apply to all of you together as well as to each of you separately.

‘Liable’ means to be held legally responsible.

‘Mandate’ is a form we will ask you to sign when you open an account, which is used to tell us how you want to manage the account.

‘Multi Account View (MAV)’ allows you to access and carry out transactions on your accounts, wherever these First Trust accounts are held, by using a single registration number.

‘Non-value transaction’ includes checking your balance, getting transaction information, doing a cheque search and ordering statements. This does not include making payments or transferring money.

‘Online and Phoneline Banking’ means the service we provide for you to access and use your accounts and carry out transactions through the internet or by phone. By using Online
Banking, you are also automatically able to use our Phoneline Banking service.

‘PAC’ stands for ‘personal access code’, and is the five-digit code we give you to use with your registration number.

‘Registered account’ means any account you have set up to transfer money to through Online and Phoneline Banking. There is no limit to the number of registered accounts you can set up on Online Banking.

‘Registration number’ means the eight-digit number we provide for you to access your accounts through Online and Phoneline Banking.

'SMS message', means a message sent using a short message service to or from telecommunication devices that use global system for mobile (GSM) communication.

‘Terms and conditions’ means the terms and conditions for our Online and Phoneline Banking services, as set out in this document, and any other terms and conditions that we may add or change from time to time after giving you notice in line with these terms and conditions.

‘Transaction’ means the payment you make through Online and Phoneline Banking by using your registration number, PAC and code card (if necessary), or any other service you use
through Online and Phoneline Banking.

‘Transfer money’ means an intra-account funds transfer or inter-account funds transfer in sterling from your account through Online and Phoneline Banking.

‘User guide’ means our published instructions for the Online and Phoneline Banking services we offer, which show how the services work and how they can be used.

1. Looking after your registration number, PAC and code card

A You must take all reasonable steps to keep your registration number and code card safe and your PAC secret at all times.

B You must not let anybody else use your registration number, PAC or code card, or tell anyone your PAC. You can give our staff your registration number (but not your PAC) when discussing the Online and Phoneline Banking service with them, including if you ask them to correct mistakes or amend your details.

C We will send you your PAC in a sealed document, which you should open immediately and destroy as soon as you have memorised the number. For security reasons, when you first use the Online and Phoneline Banking services you should change your PAC to one you have chosen yourself. You must never tell anyone your PAC, write or record it in any way which might be recognised as a PAC, or write it on a document you keep with or near your registration number or code card.

2. If your registration number, PAC or code card is misused

A If you think someone else knows your PAC, or if you believe it could be misused, you must change your PAC immediately using Phoneline Banking option 3. However, if you have forgotten your PAC, you must tell us as soon as possible. Call our customer service advisers on 028 9034 6034 or contact any of our branches.

B If your registration number, code card or PAC is misused in any way, we expect you to co-operate with us and the police in any investigation.

C If you act fraudulently, you will be liable for all losses. If you act without reasonable care and this causes losses, you may be liable for them. This may apply if you fail to keep to conditions 1 and 11.

3. Equipment

We will not provide or maintain the technical equipment you need to use Online or Phoneline Banking. You will also need to meet any relevant requirements we refer to in our user guide.

4. Indemnity

You agree to strictly keep to these terms and conditions and our user guide, which are designed to reduce the risk of anyone using Online and Phoneline Banking if they are not authorised to do so. You also agree to indemnify (guarantee) us against any loss, costs or damages that could result from you not keeping to these terms and conditions and the user guide.

5. Instructions

A We may record the instructions we receive through Online and Phoneline Banking.

B You are responsible for making sure that all the instructions you give us through Online and Phoneline Banking are accurate and complete, and that you give us the correct details for the account that you want money to be transferred to or from. In particular, before you confirm any instruction, you must make sure that you check the instruction (which will be repeated back to you through Online and Phoneline Banking) is correct. After we receive your confirmed instruction, you will be bound by the process we carry out on your behalf.

6. Using Online and Phoneline Banking

A You can use the same registration number and PAC for the Online and Phoneline Banking services. You will only need to use the code card for certain Online Banking transactions.

B You can use your registration number and PAC to make transfers to and from your account or accounts, using the various facilities we provide for you to do so. We will take these amounts from your account or accounts immediately. If you have a First Trust Bank Visa card or First Trust Bank MasterCard account, we will take these amounts off the limit that applies to your account but they will not appear on your account balance or statement for another two banking days. It will normally take three banking days to complete the transfer of funds using the ‘Bill Pay’ facility or the ‘Transfer Money’ facility if the registered account is held with another bank. Transferring funds to your First Trust Bank Visa card or First Trust Bank MasterCard account will take one banking day. However, if you transfer funds using the First Trust Bank Online and Phoneline Banking services after the cut-off time on banking days (usually between 5pm and 6pm), the transaction will take one extra day.

C The overall total amount you can transfer or pay through Online and Phoneline Banking in any one day is limited to the amount available in the account at the time of the transaction, or up to a maximum of £200,000 for each person who holds a registration number and PAC (whether this is a bill payment, a one-off bill payment, a transfer to a registered account, a one-off transfer, an intra-account transfer or an inter-account transfer). Please refer to our user guide for the particular limits that apply to the ‘Transfer Money’ and ‘Bill Pay’ services.

D For the purposes of Online and Phoneline Banking, the limits for ‘Transfer Money’ and ‘Bill Pay’ will end and be reset between 5pm and 6pm on each banking day. Online and Phoneline Banking transactions on Friday evenings (after the reset time), Saturdays, Sundays and bank holidays are carried forward to the next banking day.

E When necessary, we may give you a new or replacement registration number, code card or PAC.

F You are liable for paying:

 1 all transactions;

 2 all interest and charges as mentioned in our published list of prices, fees and interest for personal customers; and

 3 all losses we suffer and reasonable costs we have to pay because you have broken any part of this agreement.

G If you transfer money from your First Trust Bank Visa card or First Trust Bank MasterCard accounts by Online or Phoneline Banking, we will treat this as a cash advance and the relevant charges will apply (see our list of fees and charges).

H You must not cause an unauthorised overdraft or go over your approved overdraft limit on an account, or do anything else that goes against any other terms and conditions that apply to an account or the banking services we offer through Online and Phoneline Banking.

I Both you and we will be bound by any transactions entered on your accounts using the First Trust Bank Online and Phoneline Banking service, unless they are proven to have been unauthorised. If you have any questions or disputes about transactions carried out on your accounts, you should contact us as soon as possible.

J If you have a joint registered account and we issue both you and the other account holder with registration numbers, code cards and PACs, you are both jointly and severally bound to these terms and conditions. Whether or not you receive a registration number, code card and PAC, you must all keep to these terms and conditions and make sure that you pay in full any money owed to us. If there is more than one account holder, we will be entitled to act on the instructions of any one of them.

7. Information on the account balances and statements

A The account balances you get on Online and Phoneline Banking will be the balances as at the close of business on the previous banking day, after any adjustment to include any transactions (whether paper or electronic) processed by us in the meantime. Your First Trust Bank Visa card, First Trust Bank MasterCard and any asset finance accounts will show only the balance at the close of business on the previous banking day. As the balance may also contain uncleared amounts (amounts that have been paid into your account but are not yet available to withdraw, for example a cheque), we may have to adjust the balance if any of these items are returned unpaid.

B If a payment has been made from your account without your authority or incorrectly, within the EEA, you must tel us immediatley.  If you don not tell us immediatley, or, in any case, by no later than 13 months after the payment was made, you will not be entitled to 'redress' (that is to have the matter put right in some way).  If you wish to query a payment that has been made from your account with your authority (which you now dispute) you must tell us immediatley, or, in any case, no later than 8 weeks of the payment.  Without prejudice to the foregoing, you should carefully check the statements that you receive from us and report any mistakes or missing informationto us in writing without delay once you receive the statement.  If you do not report any mistakes or missing information without delay, we can rely on the fact that the relevant statement is correct as far as later transactions are concerned, as long as nothing within these terms and conditions will prevent us or you adjusting the statement at a later date to correct mistakes or missing information.

8. Multi Account View (MAV)

Our opening requirements for accounts, including limitations on who can sign for the account, will apply to any accounts that you have or open with us in the future in your name, and that you want access to through the MAV service online or by phone.  MAV allows you to access all your branch-based accounts and credit card accounts online or by phone. Online Banking also lets you view asset finance accounts. We will automatically register any accounts you hold that start with the same five digits as your main bank account number for the MAV service. You won’t need any other registration numbers you currently use once MAV is activated. MAV does not replace the current signing instructions you have already given for the accounts you choose to register with the Online and Phoneline Banking service.

9. Finance

As well as branch-based accounts, you will be able to look at your balances for:

• asset finance (although you will need to set up MAV and these balances are not available through Phoneline Banking); and

• loans

10. Fees and charges

We will charge you for any transfers and payments at the rate shown in our list of prices, fees and interest. We give you a list of the charges when you open your account, but we also publish them on our website and you can ask for a copy at any of our branches.

11. Security

By entering into this agreement, you accept that any e-mails may not be secure and could be read, copied or altered by someone who is not authorised to do so, or delivered incorrectly(for example, to the wrong e-mail address). We cannot guarantee that any information sent by e-mail is private or confidential.

• Keep your PC secure. Use up-to-date antivirus and spyware software and a personal firewall.

• Keep your passwords, PAC and code card secret.

• We (or the police) will never contact you to ask you for your Online or Phoneline Banking log-in details.

• Treat e-mails you receive from senders claiming to be from any bank or building society with caution and be wary of e-mails or calls asking you for any personal security details.

• Always access internet banking sites by typing the bank or building society’s website address into your web browser. Never go to an internet banking site from a link in an e-mail
and then enter personal details.

• Follow our advice – the security information on our website is a good place to get help and advice on how to stay safe online. Visit www.aib.ie/securitycentre

• Visit www.banksafeonline.org.uk or www.makeitsecure.org for useful information.

• To make sure we carry out your instructions accurately, and to help improve our service and for security reasons, we may monitor and record your phone calls with us. For added security, we may use CCTV recording equipment in and around our premises. All recordings belong to us and you would only be able to see or listen to them under the supervision of one of our officers.

12. Withdrawing the Online and Phoneline Banking services

A As long as we have a valid reason for doing so, we may, at any time and without giving you notice:

• cancel or suspend any right you have to use all or part of the Online and Phoneline Banking service; or

• decide not to renew or replace your registration number, code card or PAC.

If we take this action, we will immediately let you know in writing or by phone

B If any system we provide for Online and Phoneline Banking breaks down or is not working correctly, or there are security reasons for doing so, we may, without having any liability to you, temporarily suspend the relevant Online and Phoneline Banking service for as reasonable a period as necessary to correct the fault or remove the security risk.

C If you have not used the Online and Phoneline Banking service for at least one year, we can cancel your registration number, PAC and code card without giving you notice.

13. Ending this agreement

We can end this agreement and withdraw our Online and Phoneline Banking service:

• by giving you at least two months notice in writing, telling you that this is what we will do;

• immediately if you break any of these terms and conditions or if we have serious reasons for doing so (if this happens, we will tell you straight away); or

• immediately if you are declared bankrupt or if you lose the ability to enter into or perform a binding contract.

You can end this agreement at any time by giving us at least 10 banking days’ notice in writing, telling us that this is what you will do. You will still be liable for any debt left to pay on your account.

If you die or become incapacitated (for example, if you are not capable of managing your financial affairs after an accident or illness), all transfers and payments we made from your account on your behalf, including registered accounts, will still be valid and binding on you and your estate if we made them before we received notice in writing of your death or incapacity. Whether you end this agreement or we do, its terms will remain in force until you pay back any money you owe us.

14. General

A We will not be liable if we are prevented (directly or indirectly) from meeting any of our responsibilities under these terms and conditions because of:

 1 a fault which has happened in any system used to carry out a transaction;

 2 an industrial dispute (for example, a strike); or

 3 anything outside our or our agents’ or subcontractors’ control.

B We have the right at all times to change and add to these terms and conditions as a result of:

 1 a change in the law or good practice;

 2 customer feedback;

 3 product development; or

 4 for any other valid reason we give you at the time we tell you about the change.

If the change is to your disadvantage, we will give you at least two months notice (by putting a message on your statement or by sending you a letter) before we make the change. At any time up to two months from the date of the notice you can, without notice, switch your account or close it without having to pay any extra charges or interest for doing this. However, if you continue to hold your account after this time, we will consider you to have accepted the relevant changes. We may make any other change immediately and tell you about it within two months. When you receive this notice, you can close the account in line with section about closing your account in these terms and conditions, once you have paid back all the amounts you owe. However, if you continue to hold your account after this time, we will consider you to have accepted the relevant changes.

C If we choose not to enforce any term, or we cannot enforce any term which applies to the account, this will not affect our right to:

 1 enforce that term later; or

 2 enforce any of the other terms.

D The laws of Northern Ireland apply to these terms and conditions, and the courts of Northern Ireland will have exclusive jurisdiction over any dispute that may come about as a result of these terms and conditions.

 

E If these terms and conditions and the standard terms and conditions for any registered account contradict each other, the standard terms and conditions for the registered account will take priority.

15. Notices

If you need to give us any notice about Online or Phoneline Banking, you must send it to us in writing and by post. The address to send this notice is:

Online and Phoneline Banking
Freepost BEL4028
Belfast
BT1 3BR

This is a Freepost address so you will not need a stamp.

16. Confidentiality

You must keep all the information you have received from us about the Online and Phoneline Banking service strictly confidential and not share it with anyone else.

17. Intellectual property

A The intellectual property rights (for example, patents and copyright) in data or materials that we have developed or may develop for providing Online and Phoneline Banking belong to us once they have been created. You must only use this data and materials to get access to our Online and Phoneline Banking systems.

B You must not copy any or all of our web pages in any form without our permission, apart from making one copy for your own personal, non-commercial use.

18. Liability for incorrect transactions

As long as you have followed these terms and conditions, and you have not acted fraudulently or negligently (without reasonable care), we will accept liability for failing to transfer money or for not transferring money how you asked us to through Online and Phoneline Banking. Our liability will be limited to the amount we failed to transfer or the amount that was not transferred how you asked us to transfer it.

19. Force majeure (circumstances beyond our control)

We will not be failing to perform our duties under these terms and conditions if we totally or partly fail to do so as a result of:

• a natural disaster;

• fire;

• an act of government;

• war;

• riots;

• not being able to communicate with other people for whatever reason;

• any computer system failing;

• being prevented or delayed from receiving energy or other supplies;

• disputes of any kind;

• an agent making a late or incorrect payment; or

• any other reason (whether or not it is similar to any of the above) beyond our control.

20. Data protection

We will carry out our responsibilities under the Data Protection Act 1998 (as amended from time to time) in relation to the relevant information we hold about you, and we will make this information about you available if you want to inspect it, in line with the Data Protection Act. The privacy and security policy on our website explains how we use your personal information and it forms part of this agreement.

21. Help desk

If you need urgent help to sort out any problems you are having with your Online or Phoneline Banking service, or if you need general information about Online or Phoneline Banking, you can contact our help desk by:

• calling 028 9034 6034 between 8.30am and 5pm, Monday to Friday; or

• sending an e-mail to ftonline@aib.ie

22. Date these terms and conditions apply from

These terms and conditions apply from 8th October 2009.

 

Back to top