Terms and Conditions

We are glad you have chosen to visit our web site. Before proceeding, please read these Terms and Conditions of use carefully. Each time you access our site, you agree to comply with these terms and conditions. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS, DO NOT ACCESS THIS SITE OR ANY PAGE OF IT. If you have any questions, please click here and send us a message.

If you are already a customer of First Chatham Bank and want to sign up for Online Banking, simply complete the enrollment form, print and bring it to a Customer Service Representative at any of our Savannah branch locations, or our Rincon and Springfield branches (First Effingham Bank) or our Richmond Hill location (Richmond Hill Bank).

Upon becoming an Online Banking customer, you will receive an access ID and a temporary password, which will allow you to access your account information. Use of the password assigned to you will indicate to the Bank your acceptance of the terms and conditions governing your account(s). Upon entering the site, you will be prompted to change your password to a permanent one. If your password is lost or stolen, or if you believe that someone has knowledge of your password, you must notify the bank immediately. Failure to notify the bank promptly could result in loss of funds up to the limits allowed by applicable law. You are responsible for maintaining the confidentiality of your access ID and password. We recommend that you periodically change your password. You will also be asked to further authenticate yourself and the computer you are using to access online banking with the use of a passmark. Further information regarding the Enhanced Login Security can be found on our website under the “New Log-In Security” button.

If your statement shows transfers that you did not make, notify First Chatham Bank immediately by coming into one of our many branch locations, by telephone at 912-754-2034 or in writing at P. O. Box 11167, Savannah, Georgia, 31412-1367. If you do not notify us within sixty (60) days after the statement has been mailed to you, you may not be able to recover the money lost.

Information on this site regarding our products and services is not intended to take the place of the agreements governing our products and services or our disclosures made in accordance with federal and state laws.

Computer Equipment and Software
You will need to have an Internet Service Provider and a Browser to utilize Online Banking. In an effort to provide the highest degree of confidentiality and security, the Bank requires the use of browsers that provide encryption using a 128-bit key. This higher level of encryption is necessary to prevent unauthorized access to your banking information.

You are solely responsible for the maintenance, installation and operation of your computer and for the software used in accessing Online Banking. First Chatham Bank shall not be responsible for any errors, deletions or failures that occur as a result of any malfunction of your computer software, nor will the Bank be responsible for any computer virus that affects your computer or software while using Internet Banking.

Daily Processing Deadlines
You may transfer your funds among your checking accounts, savings accounts and money market accounts. Transfers conducted before 4:00 pm on a Business Day will be processed and completed the same evening. Transfers conducted after 4:00 pm on a Business Day or anytime on a Non-Business Day will be processed and completed the next Business Day.

Electronic Mail
When you send us an email to ask a question or make a comment, we will use your email address to respond to you within a reasonable period of time. Please note that email is not a secure environment like Online Banking, so do not include sensitive information such as account numbers, balances, access IDs, passwords, or social security numbers. Additionally, you should not rely on email if you need to communicate with us immediately - such as reporting the theft of your password, an unauthorized transaction on your statement or requesting a stop payment.

Security Standards
Ensuring you have a secure/confidential online banking experience is our number one priority. We go to great lengths to see that your transactions and personally identifiable information are secure and protected. We require the use of a secure browser before a connection can be made to the Online Banking System. After you reach us using a secure browser, we take the necessary steps to make sure your information is kept secure.