Mobile Banking Disclaimer



This is an acceptance to the Terms and Conditions for use of mobile banking as set forth in Heritage Bank’s Online Banking Agreement. The mobile banking section of the Heritage Bank’s Online Banking Agreement is as follows:

Mobile Banking – We endeavor to provide you with the highest quality Mobile Internet Banking available. In order to access Mobile Banking you must be an active Heritage Bank Internet Banking user. You can access Mobile Banking on a mobile device with Short Message Service (SMS) or a Mobile Web Browser as in conjunction with a texting or data plan. There is no fee to access Mobile Banking; however, Text Message charges and/or Mobile Internet Data charges may apply. You are responsible for the charges of any wireless service provider while using the service. Contact your mobile service provider for details. You are responsible to delete any text messages (SMS) from your mobile phone immediately upon receipt. It is also your responsibility to delete the Web Browser session upon logging out of your mobile online banking. If you do not delete the text messages (SMS) and/or Web browser session, the bank will not be liable if any unauthorized individuals have access to your personal financial information.

You are responsible for providing your own hardware and software to access the Mobile Banking Service. It is your responsibility to keep the current software version on your mobile device. The hardware and software that you use may be subject to unauthorized tracking or other manipulation by “spyware” or other malicious code. We are not responsible for advising you of the existence or potential effect of such malicious code, and your use of your hardware and software is at your own risk. We do not guarantee functionality of the Service on all wireless devices.

You agree to take every precaution to ensure the safety, security and integrity of your account(s) and transactions when using Mobile Banking. You agree not to leave your device unattended while logged into Mobile Banking and to log off immediately at the completion of each access by you. You agree not to provide your password or other access information to any other person. If you do, we will not be liable for any damage resulting to you and you agree to hold the Bank harmless and to indemnify the Bank from any loss related to any such activity. It is your responsibility to notify the bank immediately in the event your mobile phone is lost or stolen. It is also your responsibility to un-enroll from the mobile banking service by accessing your Internet banking and completing the un-enrollment step within the mobile banking tab. The bank will not be liable for any unauthorized transactions that may occur if your mobile phone is lost or stolen.

You agree to comply with all applicable laws, rules and regulation in connection with Mobile Banking.

We will use reasonable efforts to make the Mobile Banking Service available for your use on a continuous basis. The Service may be unavailable for short periods of time for regular or emergency system maintenance. We will endeavor to have our scheduled maintenance occur during non-peak hours. In addition, accessibility to the Service may be interrupted because of conditions beyond our control, including outages in Internet availability. We will use diligent efforts to re-establish the Services as promptly as possible. We do not promise the Service will always be available for your use. We may elect to discontinue this Service at any time. If we choose to discontinue the Service, we will provide you with a reasonable notice in advance of that fact.

We reserve the right at all times to take actions to protect our systems and information, including denial of access to users of the Service at any time at the sole discretion of the bank, with or without notice.

The accounts that you access using Mobile Banking are subject to the terms and conditions of the account agreements for those accounts and the terms and condition for Internet Banking.


By clicking “I ACCEPT THE DISCLAIMER “ and “SUBMIT” when you enroll in and/or use mobile banking, you agree to the terms and conditions of Heritage Bank’s Online Banking Agreement as it relates to mobile banking.


Most mobile phones let you set up a password or PIN, requiring that it’s entered into your phone prior to use. This ensures that your phone can’t be used if it’s lost or stolen. Make sure that you always have this feature enabled and that your password or PIN is not shared with anyone.

Just like your computer, mobile phones are vulnerable to viruses, some of which can give fraudsters access to your personal information. To keep your information safe:

  • Install security software and keep it up-to-date
  • Delete junk emails and text messages
  • Don’t follow any Web site links unless you know that they’re genuine
  • Don’t download any files or email attachments that you’re not sure about

Keep your mobile software up-to-date

On occasion your mobile phone manufacturer will likely release software updates for your phone. These should be downloaded and installed regularly to ensure your mobile phone has the most current and up-to-date software installed.

We will never call or send you a text message to request that you update or verify your personal or financial details. If you ever receive a call or text message requesting this information, please call us at 402-694-3136 to confirm the call is legitimate.

Heritage Bank Mobile Banking services use the same security standards as our Internet Banking system employs.

Why text banking is secure:

  • View accounts by nicknames you set, not account number
  • No detailed personal information sent
  • Can only view and transfer between accounts, so no one can move money out of your accounts
Why mobile browser banking is secure:

  • We don’t store your username or password
  • 128-bit encryption masks your sensitive information
  • Close your browser or the app, your session ends
  • Can only view and transfer between accounts, so no one can move money out of your accounts


If your phone is lost or stolen, sign into Internet Banking, and go to the “Other Services” tab, select Mobile Banking and click on Disable Services.  Do this right away to prevent and minimize losses.



Indicated below are types of Electronic Fund Transfers you can accomplish with us just by using our Mobile Banking service.  For a complete EFT disclosure, please contact a Personal Banker.  Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed.  You may print this notice for future reference.

Types of Transactions

Your capabilities with Heritage Bank’s Mobile Banking service are described below.

Mobile Banking System:  You may access your account(s) from your cell phone using your unique login and password to:
(i) Transfer funds between your checking and savings accounts whenever you request.
(ii) Make loan payments from your checking or savings account whenever you request.
(iii) Get balance information and transaction history about your checking or savings account or loans.

Limitations & Costs

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account:

Mobile Banking Transactions:  There are no transaction limitations or Heritage Bank fees associated with the Mobile Banking system.  Please check with your mobile provider for details on specific fees and charges that may apply to sending and receiving text messages or web browser usage on your device.


Periodic statements. You will get a monthly account statement from us on your checking account.  All savings accounts will receive an annual statement.  However, you will also receive a monthly statement on your savings account if you have had electronic banking activity during that month.  All mobile banking transactions will appear on your bank statement.

Financial Institution’s 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 automated teller machine where you are making the transfer does not have enough cash.
(4) If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
(5) If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
(6) 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:  (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.

Consumer Liability for Unauthorized Transactions

Consumer Liability.  1.  Tell us AT ONCE if you believe your code or phone has been lost or stolen. To shut off mobile banking, log into Internet Banking right away, go to “Other Services” tab, Mobile Banking, and Disable Service.  If you do not have access to the Internet at the time, telephone us right away and we will disable it for you.  Because Mobile Banking only allows you to view account information by nickname, and to move funds between your own accounts (not to others), no unauthorized transactions should occur using Mobile Banking.  You may contact us during business hours at 402-694-3136.

Error Resolution Notice

In Case of Errors or Questions About Your Electronic Transfers, contact us as described below 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.  You may reach us:

  • Telephone us at: 1-888-463-6611 (or any local Heritage Bank number)
  • Write us at: Heritage Bank, Attn: Cashier, PO Box 329, Aurora NE 68818
  • E-mail us at:


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 (5 business days if the transfer involved a VISA point-of-sale transaction) 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 (5 business days if the transfer involved a VISA point-of-sale transaction) 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.