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Serving our community since 1915.

Online Agreement


Please carefully read the following Online Banking Agreement and Disclosure (hereinafter referred to as the “Agreement”. At the end of this Agreement, please acknowledge whether you accept or decline by clicking the appropriate box.


This Agreement is between you and Slovenian Savings and Loan Association (hereinafter sometimes referred to as “it”, “us”, “our”, we”, or “Association”), and will govern the use of Slovenian Savings and Loans online banking. Our online banking permits our customers to perform a number of banking functions through the use of a personal computer.


Your use of our online banking may also be affected by other agreements which are used in setting up your accounts at Slovenian Savings and Loan. When you link an account to our online banking, you do not change these other agreements. When using online banking, if there is a conflict between any terms and conditions in this Agreement and those contained in other agreements with us, this Agreement will control. Incorporated herein by reference are all of those regulatory disclosures you have previously received from Slovenian Savings and Loan. By accepting this Agreement, you are also acknowledging that you have read the various regulatory disclosures that you received when opening accounts with us.


Our business days are Monday through Friday, excluding Holidays.


A. Overview: Slovenian Savings and Loan Online Banking can be used to:

  1.  Transfer funds between your different accounts at Slovenian Savings and Loan within regulatory limits.
  2. Checking and Savings account inquiry.
  3. Perform account maintenance such as changing your I.D. and password for online services.
  4. Making bill payments.
  5. Send electronic mail messages and questions to us.

B. Description of Online Services:

1. Transfers and Payments:

 As an online customer of Slovenian Savings and Loan, you are permitted to make a transfer of funds from your checking, savings or home equity line of credit to another checking or savings account maintained at Slovenian Savings and Loan.

Transfers can also be made as a payment on your loan originated by us. Payments can be entered as a one time or recurring transaction scheduled to repeat at selected time intervals. Payments or transfers entered on our system before 2:00 P.M. Eastern Time on a business day may be processed on the same business day. Payments after this time may be processed on the next business day.

The completion of a transfer is subject to the availability of funds in your account at the time of final processing. If you do not have sufficient funds available, your attempted transfer will not process.

All transfer requests from your checking or savings account, or your home equity line of credit are reflected in your available balance for that account. Transfers entered before 2:00 P.M. on a business day are processed on that business day. Transfers entered after 2:00 P.M. or on a non-business day may be processed on the next business day.

The amount of transfers are limited to the available balance in the respective transfer account.

Transfers to and from Certificates of Deposit are not permitted and transfers from Christmas Club accounts are not permitted.

2. Online Bill Payments:

 Payments you make through Slovenian Savings and Loan online bill payment services are processed by either an electronic funds transfer or a bill payment check.

Electronic funds transfers made by consumers are subject to the provisions of the Electronic Funds Transfer Act which provides a basic framework establishing rights, responsibilities, and liabilities in electronic funds transfer systems. The regulation is referred to as “Regulation E”.

There is no limit on the number of bills you can pay. There is a $99,999.99 maximum amount per processing day, a $99,999.99 maximum amount per processing month, a $1,000.00 maximum per individual, and a $2,000.00 per day maximum amount to pay any combination of individuals that you make with us, so long as funds are available in the account you are attempting to perform the bill payment out of.

Upon receipt of your request of online bill payment, we are authorized to withdraw the necessary funds from your account on the date you schedule for the payment to be initiated. We are authorized to process your bill payment request and charge your bill payment account even though it does not bear your signature. You agree that you will instruct us to make a withdrawal only when a sufficient account balance is available at the time of withdrawal. In the instance a transfer request is initiated against an account with insufficient funds, the bill payment system will attempt to perform the transaction every day until funds are available to complete the bill payment transaction. If you would not like the transfer to take place even when funds become available, it is your responsibility to delete the bill payment. We are under no obligation to notify you if it does not complete a payment because of insufficient funds. If a bill payment is insufficient and you delete that bill payment prior to funds being disbursed, you are responsible for making alternate arrangements for payment.

Payments may be changed or cancelled online anytime prior to 2:00 P.M. on the business day prior to the day the transaction is scheduled to be initiated. If an electronic bill payment takes place and funds are removed from your account, you cannot stop that bill payment from being transmitted. If a bill payment check is mailed, a stop payment form must be completed at one of our offices as soon as possible to prevent the check from being paid. The standard stop payment fee will apply.

Slovenian Savings and Loans Liability for Failure to make Electronic Transfers:

Slovenian Savings and Loan is responsible for exercising ordinary care in making payments directed through your account. We will not be liable in any way for damages incurred by you due to delays in mail delivery, changes in vendor’s addresses, and the failure of any vendor to account correctly for or credit such payments in a timely manner or for any other circumstances beyond our control. If we do not complete an online transfer or bill payment to or from your account on time or in the correct amount we will be generally liable for direct losses or damages as limited herein.

Limitations on Our Responsibility:

We will not be liable for failure to make an electronic transfer where conditions or circumstances outside of our control prohibit us from completing the transaction. Examples of this include, but are not limited to: insufficient funds in your account, funds in your account become subject to an encumbrance or levy, malfunction in your computer software, emergencies at Slovenian Savings and Loan, our placement of a “hold” on your account or the account was closed. We reserve the right not to process a transfer or bill payment for security reasons. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer or bill payment and we will likewise not be liable for any incidental or consequential damages.

Consumer Liability for Unauthorized Transfers and Advisability of Prompt Reporting:

Tell us at once if you believe your password has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account. You can call us at 814-535-7658 or write to us at Slovenian Savings and Loan, 361 First Street, Conemaugh, PA 15909.

If you tell us orally, we may require that you send us your complaint in writing within 10 business days.

If you believe that your password has been lost or stolen, and you tell us within two business days after you learn of the loss or theft, you can lose no more than $50.00 if someone used your password without your permission.

If you do not tell 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 without your permission if you had told us, you could lose as much as $500.

If your statement shows transfers that you did not make tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

We will determine whether an error occurred within 10 business days after we hear from you and will correct the error promptly. If we need more time, however, for most errors we may take up to 45 days to investigate your complaint or question.

If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

Your Liability for Unauthorized Transfers (Business Accounts Only):

You agree that we may send confidential information including your User ID to the current address shown in our records for your account, whether or not our records include delivery instructions to a particular individual. You also agree that we will not be responsible or liable in any way in the event that such properly addressed information is intercepted by an unauthorized person, either in transit or at your address. You agree (1) to keep your User ID and password secure and confidential, providing them only to authorized signers on your account(s), (2) to instruct each person with whom you share your User ID and password that this information is not to be given to any unauthorized person, and (3) to notify us immediately if you believe your User ID and password have been compromised and select a new password.

If a business account requires more than one signature on checks, no transactional authority will be granted by Slovenian Savings & Loan within the online banking.

Slovenian Savings and Loan shall have no liability to you for any unauthorized payment or transfer made that occurs before you have told us of possible unauthorized use and we have had a reasonable time to act on that notice. We reserve the right to suspend or cancel your online access, even if you have notified us of unauthorized access to your account(s), if we suspect the account is being used in an unauthorized or illegal manner.

Unless otherwise required by law, in no event shall we be liable to you for special, indirect or consequential damages including, without limitation, lost profits or attorneys’ fees, even if we are advised in advance of the possibility of such damages.

Termination of Slovenian Savings and Loan Online Banking or Bill Pay:

Either you or Slovenian Savings and Loan may terminate your online banking service or bill payment service. Upon termination of your online service or bill payment service, all pending payments as of the date of your service termination will be cancelled. If you terminate your online or bill payment service, you must send written notice to Slovenian Savings and Loan, 361 First Street, Conemaugh, PA 15909. We must receive such notice at least 5 days in advance of the termination date. We reserve the right to terminate the online and bill payment services or your enrollment in this service at any time. We may terminate your online and bill payment services without prior notice to you if (1) we, within our sole discretion, suspect fraud or other illegal activity, (2) if there exists any other reason for which the terms and conditions applicable to your enrolled account(s) permit us to close your enrolled accounts(s), or (3) your online account is dormant for 12+ months.

Joint Accounts:

When your Slovenian Savings and Loan online service is linked to one or more joint accounts, we may act on the verbal, written, or electronic instructions of any one authorized signee regarding your service. If a joint account requires more than one signature on checks, no transactional authority will be granted by Slovenian Savings & Loan within the online banking platform.


  1. To use Slovenian Savings and Loan online services you must have:
    • a computer with an Internet Service Provider (ISP)
    • a web browser that supports 128-bit SSL encryption

(visit and click on “Test Browser” to perform a test to see if your web browser meets the specifications to use the online banking platform)

  1. To register with us for these services, you must:
    • complete the online registration form and mail it to Slovenian Savings and Loan, 361 First Street, Conemaugh, PA 15909.
    • obtain your username and online password from Slovenian Savings & Loan (each will be mailed to your physical address separately)
    • read this Slovenian Savings and Loan Online Banking Agreement and Disclosure that you accessed at our website,, and click on the “I Agree” button indicating your consent and understanding of the terms of the service.


  1. Online Banking access is free.
  2. Bill payment services are free.
  3. Other service charges and fees, disclosed to you when you opened your account(s), may be assessed


 Slovenian Savings and Loan online banking is available 365 days a year 24 hours a day, except during system maintenance and upgrades. When this occurs, a message will be displayed online when you sign on to the online banking.



Slovenian Savings and Loan reserves the right to change this Agreement at any time, and you will be notified of such changes by mail or electronic message. If you maintain your Slovenian Savings and Loan online and or bill payment services after the effective date of any change, you will be considered to have consented to such change or amendment.


 Slovenian Savings and Loan will disclose information to third parties about your account(s) or the transfers you make:

    • where it is necessary for completing transfers
    • to verify the existence and condition of your account for a third party, such as a credit bureau or merchant
    • in accordance with your written permission
    • in order to comply with court orders or government or administrative agency summonses, subpoenas, orders, examinations and escheat reports
    • on receipt of certification from a federal agency or department that a request for information is in compliance with the Right to Financial Privacy Act of 1978 and the Gramm-Leach-Bliley Act of 1999.

For more information on our Privacy Protection Policy refer to our website at


You will receive a monthly statement (or at least quarterly if there were no transfers in a particular month) that show transactions for any account that has electronic fund transfers to or from the account. These account statements are also available to you within the online banking platform.


 By using our online banking service, you acknowledge and agree that this Agreement sets forth security procedures for electronic banking transactions which are reasonable. You agree to be bound by instructions which we implement in compliance with these procedures.


Disputes arising from or related to this Agreement shall be governed by laws of the commonwealth and jurisdiction for any litigation involving same will lie exclusively in Cambria County, Pennsylvania.


Each party to this Agreement will assume the risk of loss associated with loss of data, software or computer system failure attributable to viruses, worms or other similar components which may be downloaded during online services. This provision shall not apply to intentional acts which are designed to lead to system failure. Under no circumstances shall we be responsible for any indirect, incidental or consequential damages.


In the event any one or more provisions of this Agreement shall for any reason be held to be invalid, illegal or unenforceable, the remaining provisions shall remain valid and enforceable, and the invalid or unenforceable provisions shall be deemed modified to the extent necessary to make it valid, legal and enforceable while encompassing the intent of the parties.


In addition to this Agreement, you and Slovenian Savings and Loan agree to be bound by and comply with the requirements of all agreements and disclosures applicable to each of your accounts with Slovenian Savings and Loan.


We may make partial assignments to independent contractors to perform various tasks in connection with online services provided.


Slovenian Savings and Loan makes no express or implied warranties or representations as to the accuracy or completeness of Slovenian Savings and Loan online and bill payment services, including, but not limited to, any warranties or merchantability, fitness for a particular purpose or non-infringement.


By clicking the “I Accept” box below, you acknowledge your consent and agreement to the foregoing Agreement and further acknowledge that you have accepted electronic delivery of the terms and conditions contained in this Agreement and all of the disclosures referenced in this Agreement and contained on our website located at You also agree that all of the other disclosures referenced in this Agreement that pertain to your particular account(s) were previously received by you from Slovenian Savings and Loan Association. If you decline, please signify by clicking the “I Decline” box below.

I Accept the Electronic Services Agreement and Disclosure


I Do Not Accept the Agreement