Agreement and Disclosures


This Agreement describes your rights and obligations as a user of the Online Banking Service and all other services made available online by Big Horn Federal, including without limitation the Online Bill Payment Service ("Service" or "Services") and Mobile Banking. It also describes the rights and obligations of Big Horn Federal. Please read this Agreement carefully. As an authorized account holder you must abide by the terms and conditions of this agreement, and those provided to you at account opening, in order to use this Service.  If you do not agree to these terms, do not complete your registration for the Services or use the Services.


By selecting the "I Accept" button below, you are (1) acknowledging your receipt of the information listed below, (2) agreeing that any contract you enter into with Big Horn Federal for the provision of certain Online Banking Services and Mobile Banking, may be in electronic form, and (3) agreeing that information regarding stated services, as well as any and all disclosures and documents may be delivered in electronic form.

You are also acknowledging receipt of the following information and agree that:

*You will check your e-mail regularly for Notices from Big Horn Federal.

*You will provide accurate, current and truthful registration information and contact information (including your e-mail address) and that you will keep this contact information up-to-date with Big Horn Federal.

* We may provide you with this Agreement and any revisions and amendments thereto in electronic form, and that, if you choose to accept the Agreement, you are consenting to enter into and are entering into an agreement electronically that will govern all future transactions you conduct using the Service(s).

* We may provide you revisions and amendments to the Agreement and such other information, including but not limited to information under Regulation E and under other applicable banking or financial services laws or regulations in connection with the Service(s), electronically as a part of the Agreement or otherwise as a part of the Service(s). While you may print and retain a copy of the Agreement or any information provided to you in relation to the Service(s), we only provide these documents electronically.

* You have a right at any time to withdraw, without service charges, your consent to receive information electronically. However, because the Agreement and the Information are provided only in electronic format, your withdrawal of consent will terminate all the Services.

* If you wish to withdraw consent to receive information electronically, to terminate the Services, or to update your information such as a change of address, or email address, you may call Big Horn Federal at 800-927-7556 or write a letter and send it to:

Big Horn Federal Savings Bank
Attention: Customer Service
PO Box 471
Greybull, WY  82426

* You are able to access information that is provided in the same manner as the information and
   the Services via the Internet.


The following definitions apply in this Agreement.

"Online Banking" is the Internet-based service providing access to your account(s) under the terms set forth in this Internet Banking Terms and Conditions Agreement.

"Online Account" is a Big Horn Federal account from which you will be conducting transactions using a Service.

"Business Day" refers to Monday through Friday, excluding holidays as determined by Big Horn Federal.  All Online transaction requests received after regular banking hours or on a non-Business day, will be processed immediately, but may not appear in the online history until the following Business Day.

Big Horn Federal Savings Bank Regular Banking Hours:

Monday through Friday      9:00 a.m. – 5:00 p.m.

"Password" is a series of numbers, special characters and/or letters that you select after the initial sign-on that establishes your connection to the Service(s). Big Horn Federal will provide you with a code for use during the initial sign-on process.

"Time of day" references are to Mountain Standard Time.

"Big Horn Federal Savings Bank", "we," "us" or "our" refer to Big Horn Federal, which offers the Services provided under this Agreement and holds the accounts accessed by the Services.

"Deposit Agreement" means, the Account Disclosure for Personal Accounts, the Deposit Account Disclosure for Bussiness Accounts, as appropriate to you Deposit Account(s), the applicable signature card(s), the Schedule of Fees and Charges, and addenda, brochure, notices of change in terms, and other information applicable to Big Horn Federal Savings Bank Deposit Accounts(s) available to you through the services.

"Device" means a supported mobile device including a cellular phone or other mobile device that is web-enabled and/or capable of sending and receiving text messages.

"Mobile Banking " means any activity via and any published banking application using the device you have registered with us for Mobile Banking.

"Mobile Device " means a supported wireless device.

"Jailbreak or Root " slang terms for methods of "self-hacking" your smartphone in order to gain full access to all features of the smartphone.


Big Horn Federal will provide online instructions describing how to use the Online Banking Service, Mobile Banking Service or Online Bill Payment Service. To gain access to this Service you will need your Access ID and your Password.


The Service(s) are generally available 24 hours a day, 7 days a week, except during special maintenance and upgrade periods, which are scheduled between11:00 pm Wednesday to5:00 am Central Time (CT) Thursday, and11:00 pm Sunday to5:00 am CT Monday.  When this occurs the service(s) will not be available. 


The current fees for Checking and Savings accounts are:

  • Dormancy Fee: $5.00 per month dormancy fee after 12 months of inactivity.
  • Early Closure Fee: $25.00 on accounts closed within 90 days of opening.

The current fees for Online & Mobile Banking Products are:

  • $3.00 per month dormancy fee after 90 days of inactivity.
  • Bill Pay package fees are determined by the associated account type, please refer to the disclosure for the specific account.


The safety of our customers' accounts and account information is of paramount importance to Big Horn Federal. We go through great lengths to protect confidentiality and the security of your account, and urge you to do the same. You agree not to allow anyone to gain access to the Services or to let anyone know your Password used with the Services. You agree to assume responsibility for all transactions initiated through the Services with your Big Horn Federal Access ID, up to the limits allowed by applicable law. While Big Horn Federal continues to provide our customers with the level of online security we believe necessary and appropriate, customers who share their Access IDs and Passwords are giving up the full benefit of our security measures and legal protections to which they may be entitled. No representative from Big Horn Federal will ever call or e-mail and ask for your Access ID or User Password; however, if you contact Big Horn Federal you may be asked for your Access ID and other personal information to verify your identity.


When you enroll, you will be required to create your user name and password through the enrollment process. You will need your user name and password to gain access to the Services. If you forget your password, you can reset it by calling 1-800-927-7556 or your local branch.

To help safeguard your Accounts, you should memorize and keep your user name and password secret. This is critical to help prevent unauthorized access to your Accounts. Remember, anyone with your user name and password my make transfers between your Accounts with the bank, with external Accounts via POP money or make direct payments from your Accounts.

You could be the target of online fraud whenever you access the internet through a Mobile Device. Online fraud scams attempt to obtain confidential information and use it to improperly transfer money or to commit other fraudulent acts. Online fraud is particularly dangerous because it is often difficult to detect, so you may not be aware that private information has been stolen until after a loss has occurred.

  • Protect your Online and Mobile Banking sign on information (IDs, passwords). Never disclose confidential information by email or text message, and always log out after your Online and Mobile Banking Session.
  • Before downloading or installing a banking app or shortcut on your Device, verify it is the authorized and genuine app from Big Horn Federal. Use caution if you receive a text message expressing an urgent need for you to update your information, activate an Account, or verify your identity by calling a phone number or by submitting information on a website. Do Not click any active links in any suspicious emails from you Device.
  • Never leave you Device unattended. Use your Device’s keypad lock or phone lock function when not in use.
  • Monitor transactions on your Accounts through the Services, and contact us at our Telephone number immediately if you notice anything out of the ordinary.
  • If you change your mobile phone number, please call us and update the information. This will help us contact you if needed.
  • Be mindful of what you download, install, or click. Devices which can access the Internet have the same risks or viruses, malware, or phishing that computers have, since such Devices can be used to download and install apps or browse the Internet.
  • Social engineering is an attempt to manipulate you into performing actions or divulging confidential information by impersonating a trustworthy entity in an electronic communication. Social engineering communications can be sent by email (phishing) or text messaging (smishing). Make sure you trust the source of a message or link before taking action.
  • Malware is malicious software. Malware can be installed on your computer or Device without your consent. Once there, malware can record keystrokes, redirect you browser, or display fake websites, all in an effort to impersonate you in Online and Mobile banking Service transactions. Common Methods of becoming infected with malware include:
    • Infected documents attached to an email
    • Clicking on a link contained within an email that connects to an infected website
    • Accessing legitimate websites, particularly social networking sites, and clicking on infected documents, videos, and photos
    • Infected search engine results on common queries and current events
  • Malicious apps are apps that are unauthorized and which could contain a malicious code. If you install third party apps on your Devices, they could be compromised via a malicious code that is designed to take over the handset and access files or passwords.
  • If you "JailBreak" or "Root" your device, you are making your smartphone extremely susceptible to malware, viruses and other malicious programs.


If your Password or Device has been lost or stolen, call Big Horn Federal immediately at 800-927-7556. Telephoning Big Horn Federal is the best way of minimizing your losses---  DO NOT USE EMAIL TO NOTIFY US.   You may also restore the security of your Service by immediately changing your Password. If you believe your Password has been lost or stolen and you notify us within two Business Days after you learn of the loss or theft, you can lose no more than $50.00 if someone uses your Password to conduct unauthorized electronic funds transfers without your permission. If you do NOT notify us within two Business Days after you learn of the loss or theft of your Password, and we can prove we could have stopped someone from using your Password to conduct unauthorized electronic funds transfers without your permission if you had told us, you could lose as much as $500.00.


In addition to viewing account information, you may use Online Banking to conduct the following transactions:

* Transfer funds among your linked checking, savings, loans and line of credit  accounts.

* Stop Payment Authorizations – You may complete a stop payment request Online.  A fee will apply for each stop payment request placed based upon the transaction type.   Please refer to our current Fee Schedule for the amount by transaction type.  Stop payment requests placed after regular banking hours may not be processed until the next business day.  Your Online request to place a stop payment will be your electronic signature authorization to complete the stop payment order. 

NOTE: Because regulations require Big Horn Federal to limit pre-authorized transfers (including Online Banking transfers), the following limitations apply:

* Passbook Savings Account-- You can make no more than six (6) transfers per statement period
   by pre-authorized or automatic transfer, or by telephone or Online Banking.

New services may be introduced for Online Banking from time to time. Big Horn Federal will notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the rules that will be made available to you concerning these services.


Pay bills to third party vendors Online from your checking account. (Refer to Terms and Conditions from Online Bill Pay).


You will continue to receive your regular account statement either monthly or quarterly, depending on the type of account, unless you opt to receive statements electronically as e-statements.


Mobile Banking is an Internet-based platform you access via a URL from your Device’s browser or by downloading an App from either the Apple AppStore or Google Play, and then accepting the activation text messages. The Mobile Banking Service allows you to access available information regarding your Big Horn Federal accounts including: Available Balance and Transaction History. You will also be able to do the following:

*Transfer funds among your linked checking, savings, and loans and line of credit accounts.

* Pay Bills to pre-established third party vendors online from your checking account. To add new vendors you will be required to set them up via the online bill payment system.

*Get the location of the closest Big Horn Federal Branch/ATM to the location of your mobile device.

Big Horn Federal cannot guarantee that there will not be any delays/failures in transmissions and we are not liable for any delays/failures in transmission.

We may limit the types and number of accounts eligible for Mobile Banking. Mobile Banking may not be supported for all device models or for all carriers at all times. The Bank cannot guarantee the availability of underlying data services provided by your mobile carrier. We are not responsible for carrier data outages or "out of range" issues.

Your Online and Mobile Banking Responsibilities

  • Keep any information that pertains to Online and Mobile Banking current, by either updating your Online page or calling us to update the information for you.
  • Monitor your Account activity, Account statements (if applicable) and important Account information and notices about Online and Mobile Banking or about your Accounts delivered by us electronically or by mail.
  • Take every precaution to ensure the safety, security and integrity of your Account and transactions when using Online and Mobile Banking Services.
  • Do Not Store non-public personal information, Account or personal data that might compromise the security of your banking relationship with the Bank on your Device or, if stored, such information will be encrypted and secured with adequate security procedures. Such information includes, as an example, Account names, Account Balances, user names and passwords, Social Security Number or Taxpayer Identification Number.
  • Do Not leave your computer or Device unattended while logged into the Services and to log off immediately at the completion of each access of the Services.
  • Do Not provide your password or other access information to any person. If you do, we will not be liable for any damage resulting to you. Do Not use any personally identifiable information when creating shortcuts to your account.
  • Do Not use the Online and Mobile Banking Services to conduct any activity or solicit the performance of any activity that is prohibited by law or any contractual provision by which you are bound with any person.
  • To comply with all applicable laws, rules and regulations in connection with Big Horn Federal’s online and Mobile Banking services.
  • Notify us immediately if you lose, change or cancel the number of, your registered Device
  • Notify us immediately if you believe that someone may have unauthorized access to your Online or Mobile Banking Service, or to your Device.


If your statement shows transfers that you did not make, notify Big Horn Federal immediately at  800-927-7556, or write a letter and send it to:

Big Horn Federal Savings Bank
Attention: Customer Service
PO Box 471
Greybull, WY  82426

If you do not notify Big Horn Federal within sixty (60) days after the statement was mailed or made electronically available to you, you may not recover any money lost after the sixty (60) days which would not have been lost if Big Horn Federal had been notified in time.


In case of errors or questions regarding an Online Banking or Online Bill Payment transaction, you may call Big Horn Federal  at  800-927-7556, or write a letter and send it to:

Big Horn Federal Savings Bank
Attention: Customer Service
PO Box 471
Greybull, WY  82426

We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the first statement on which the problem or error appeared. We will need:

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

If the report is made orally, we may require that you send the complaint or question in writing within ten (10) Business Days from your initial contact. We will notify you with the results of the investigation within ten (10) Business Days after you contact us and will correct any error promptly. If more time is needed, however, we may, at our sole discretion, take up to forty-five (45) calendar days to investigate a complaint or question. If this occurs, we will credit your account within ten (10) Business Days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete our investigation. If your complaint or question is not received in writing within ten (10) Business Days from your original contact, we may not credit your account until the investigation is completed.

If your notice of error concerns a transaction that occurred during the first 30 days after the first deposit to the account was made, the applicable time periods are 20 Business Days in place of 10 Business Days and 90 calendar days in place of 45 calendar days.

If we determined that no error occurred, we will send you a written notice within three (3) Business Days. You may request copies of the documents that were used in the investigation.

You agree that Big Horn Federal may respond to you by e-mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by Big Horn Federal shall be considered received within three (3) Business Days of the date sent by Big Horn Federal, regardless of whether or not you sign on to the Service within that time frame.


Big Horn Federal agrees to make reasonable efforts to ensure full performance of Online Banking, Mobile Banking, and Bill Pay. Big Horn Federal will be responsible for acting only on those instructions sent through Online Banking which are actually received, and cannot assume responsibility for circumstances over which the bank has no direct control. This includes but is not limited to, the failure or malfunctions in communication facilities, which may affect the accuracy or timeliness of messages you send. Big Horn Federal is not responsible for any losses should you give incorrect instructions, or if your payment instructions are not given sufficiently in advance to allow for timely payment or delays in mail service.

Any information you receive from Big Horn Federal is believed to be reliable. However, it can only be provided on a best-efforts basis for your convenience and is not guaranteed. Big Horn Federal is not liable for any deficiencies in the accuracy, completeness, availability, or timeliness of such information, or for any investment or other decision made using this information.

Big Horn Federal is not responsible for any fees incurred for Internet access, or for any computer virus or related problems that may be attributable to services provided by any Internet access service provider.

You are responsible for obtaining, installing, maintaining, and operating all computer hardware and software necessary for performing Online Banking, Mobile Banking, or Bill Pay. Big Horn Federal will not be responsible for any errors or failures from the malfunction or failure of your hardware or software.

The limit of Big Horn Federal's liability shall be as expressly set forth herein. Under no circumstances will Big Horn Federal be liable in contract, tort, or otherwise for any special, incidental, or consequential damages, whether or not foreseeable. By consenting to use the Services, you agree to waive any and all rights to any of the aforesaid, and you acknowledge that the limit of your remedy is as otherwise expressly set forth herein.


Big Horn Federal will be responsible for your losses, as allowed by law,  if they were directly caused by our failure to:

* Complete an Electronic Funds Transfer as properly requested.
* Cancel an Electronic Funds Transfer as properly requested.

However, we will NOT be responsible for your losses if:

* Through no fault of Big Horn Federal, you do not have enough money
   in your account to make the transfer.
* Through no fault of Big Horn Federal, the transaction would have
   caused you to exceed your available credit.
* Circumstances beyond our control (e.g., fire, flood, power outage, mail delivery
   delays, equipment or technical failure or breakdown) prevent the transfer,
   despite reasonable precautions that we have taken.
* There is a hold on your account, or if access to your account is blocked in
   accordance with banking policy.
* Your funds are subject to legal process or other encumbrance restricting the
* Your transfer authorization terminates by operation of law.
* You believe someone has accessed your accounts without your permission and
   you fail to notify Big Horn Federal immediately.
* You have not properly followed the scheduling instructions, included in this
   Agreement, to make a transfer or the Payee refuses the Service.
* For the failure of any payee to correctly account for or credit the payment in a
   timely manner.
* We have received incomplete or inaccurate information from you or a third party
   involving the account or transfer.
* For changes to the payee's address or account number (unless you have
   advised us of the change within three (3) Business Days in advance).
* We have a reasonable basis for believing that unauthorized use of your
   Password or account has occurred or may be occurring, or if you default under
   this Agreement, the Deposit Account Agreement, a credit agreement, or any
   other agreement with us, or if we or you terminate this Agreement.

There may be other exceptions stated in this agreement and in other agreements with you. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer, and we will not be liable for any incidental or consequential damages.

If any of the circumstances listed above shall occur, we shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incorrect transactions that have been processed.


If you send Big Horn Federal an electronic mail message through the Service, Big Horn Federal will be deemed to have received it on the following Business Day.

Emails will be answered within a reasonable timeframe. 

You should not rely on electronic mail if you need to communicate with Big Horn Federal immediately (e.g., if you need to report an unauthorized transaction from one of your accounts, or if you need to stop a payment that is scheduled to occur).

You agree that Big Horn Federal may respond to you by electronic mail with regard to any matter related to the Service, including responding to any claim of unauthorized electronic funds transfer that you make. Any such electronic mail sent to you by Big Horn Federal shall be considered received within three (3) days of the date sent by Big Horn Federal, regardless of whether or not you sign on to the Service within that time frame.


Alerts. Your enrollment in Big Horn Federal Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Big Horn Federal account(s). Account Alerts and Additional Alerts must be managed and/or added online through the Service. We may add new alerts from time to time, or cancel old alerts. We usually notify you when we cancel alerts, but are not obligated to do so. Big Horn Federal reserves the right to terminate its alerts service at any time without prior notice to you.

Methods of Delivery. We may provide alerts through one or more channels (“endpoints”): (a) a mobile device, by text message, (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your Big Horn Federal Online Banking message inbox. You agree to receive alerts through these endpoints, and it is your responsibility to determine that each of the service providers for the endpoints described in (a) through (c) above supports the email, push notification, and text message alerts provided through the alerts service. Please be advised that text or data charges or rates may be imposed by your endpoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you alerts. If your email address or your mobile device's number changes, you are responsible for informing us of that change. Your alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number.

Alerts via Text Message. To stop alerts via text message, text "STOP" to 48179 at any time.  Alerts sent to your primary email address will be unaffected by this action. To restore alerts on your mobile phone, just visit the alerts tab in Big Horn Federal Online Banking.  For help with SMS text alerts, text “HELP” to 48179. In case of questions please contact customer service at 307-765-4412. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.

Limitations. Big Horn Federal provides alerts as a convenience to you for information purposes only. An alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside Big Horn Federal’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold Big Horn Federal, its directors, officers, employees, agents, and service providers liable for losses or damages, including attorneys' fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose.

Alert Information. As alerts delivered via SMS, email and push notifications are not encrypted, we will never include your passcode or full account number. You acknowledge and agree that alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your alerts will be able to view the contents of these messages.


In addition to this Agreement, you and Big Horn Federal agree to be bound by and comply with the requirements of the agreements applicable to each of your Online Accounts. Your use of the Online or Mobile Banking service(s) or the Online Bill Payment Service(s) are your acknowledgment that you have received these agreements and intend to be bound by them. You should review other disclosures received by you when you open your accounts at Big Horn Federal, including the charges that may be imposed for electronic funds transfers or the right to make transfers listed in the fee schedules accompanying those disclosures and the fee schedule at the end of this Agreement. We will automatically deduct any fees related to this Service from your Bill Pay Account each month. All terms and conditions of the disclosures provided to you at account opening, including but not limited to, the Truth in Savings, Regulation E Disclosure, Depositor's Agreement and Terms and Conditions apply to this Service.


Big Horn Federal may modify the terms and conditions applicable to either Service from time to time upon mailing or delivering a notice of the modifications to you at the address shown on our account records, and the revised terms and conditions shall be effective at the earliest date allowed by applicable law. We may send any notice to you via electronic mail and you will have been deemed to have received it three (3) days after it is sent. We reserve the right to terminate this Agreement and your use of the Services in whole or in part at any time without prior notice.


A copy of Big Horn Federal's Consumer Privacy Statement is available upon request at any of our branches, or can be mailed to you upon request by calling Big Horn Federal at  800-927-7556, or writing a letter and sending it to:

Big Horn Federal Savings Bank
Attention: Customer Service
PO Box 471
Greybull, WY  82426

You can also access our Policy online by clicking on the Privacy Notice link on the Big Horn Federal Website (  By registering for the Services as a new member, or registering for a new Service, or continuing to use the Services following your registration, you authorize the collection, use, and disclosure of personal information by Big Horn Federal as provided under the then-current Big Horn Federal Consumer Privacy Statement.


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 or Mobile Banking privileges (including the Online Bill Payment Service) under this Agreement without notice to you for any reason; or if you do not pay any fee required by this Agreement when due, if you do not comply with the Agreement governing your deposit or loan accounts, or your accounts are not maintained in good standing. We will promptly notify you if we terminate this Agreement or your use of the services for any other reason.

We may convert your account to inactive status if you do not sign on to the Service or have any transaction scheduled through the Service during any consecutive 90 day period. If your account is considered inactive, you must contact us to have the Service activated before you will be able to schedule any transaction through the Service.

To cancel the Online and Mobile Banking and/or Online Bill Payment Service, you must notify Big Horn Federal in writing. Your notification should include your name, address and the effective date to stop the service(s). When Online Bill Payment is terminated, any pre-scheduled bill payments made through Online Banking will also be terminated. Your final charge for the Bill Payment Service will be assessed at the end of your statement cycle. These written requests should be mailed to:

Big Horn Federal Savings Bank
Attention: Customer Service
PO Box 471
Greybull, WY  82426


This Agreement is governed by the laws of the State of Wyoming and applicable federal law(s).


Big Horn Federal offers the benefits and convenience of the Online Banking service to you at no monthly charge. Premium Services may be purchased with specific account types that allow additional capabilities.  Account research, stop payment charges and Online Bill Payment  Services will be assessed at the rates published in Big Horn Federal's brochure and applicable account disclosures and deducted from your Bill Pay Account or another account you hold at Big Horn Federal.

These fees are subject to change. Big Horn Federal will notify you in writing regarding any fee changes at least thirty (30) days in advance of the effective date of these changes.



Last Revised: May 2021