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Internet Banking Agreement and Disclosure

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This Agreement and Disclosure sets forth your and our rights and responsibilities concerning the use of KwikNet, our Internet Banking Product. In this agreement, the words "you" and "your" mean those who sign as applicants or any authorized user(s). The words "we”, "us" and "our" mean Ledyard National Bank. By using KwikNet Internet Banking, you agree to all of the terms of this agreement.

You may access your account information by using a specific Internet User ID and initial password chosen by you. At the present time you may use the system to:

General Consumer Internet Banking
  • Perform account inquiries on checking, savings, certificate and loan accounts
  • Obtain statement transaction detail on your accounts.
  • Enroll for electronic delivery of statements.
  • Transfer funds between deposit accounts.
  • Transfer funds from deposit accounts to make regular monthly loan payments.
  • Submit a check re-order request
  • Send secured e-mail messages to Bank personnel
  • Make Stop Payments
  • Initiate bill payments to any domestic payee you choose*
  • Ledyard Link Account Aggregation service
  • Interbank Transfers


We do not charge for General Internet Banking features or basic consumer bill-pay access except as noted below.
Normal check fees will be assessed when check orders are processed.
Normal bank fee of $20.00 will be charged for Stop Payments.
Ledyard Link will be a monthly fee of $2.00 except for Ledyard Plan Members. (Separate agreement required for Ledyard Link)
Interbank Transfers will be $3.00 per transfer out. (Separate agreement required for Interbank Transfers)

  • Photocopies of checks - $5.00
  • Stop Payments - $5.00
  • Manual re-issued check - $10.00
  • Express Mail - $13.50
  • Delete Payment - $5.00
  • Overdraft fee (in addition to standard overdraft fee of $25) - $25.00

According to Federal Regulations, you may not make more than six(6) pre-authorized or automatic transfers from your money market account during a given monthly statement period. Limitations also apply to savings and statement savings accounts. There are no limits on the number or dollar amount of transfers or payments you make from your checking account. Balances shown online are as of the time you initiate the then-current session.  Balances may include deposits subject to verification by us. The balance may also differ from your records due to deposits in process, outstanding checks or other withdrawals, payments or charges. We have the right to cancel transactions if sufficient funds are not available in your account.

General Business Internet Banking
  • Perform account inquiries on checking, savings, certificate and loan accounts
  • Obtain statement transaction detail on your accounts.
  • Enroll for electronic delivery of statements.
  • Transfer funds between deposit accounts.
  • Transfer funds from deposit accounts to make regular monthly loan payments.
  • Submit a check re-order request
  • Send secured e-mail messages to Bank personnel
  • Make Stop Payments
  • Initiate bill payments to any domestic payee you choose*


We do not charge for General Business Internet Banking features except bill-pay.
Normal check fees will be assessed when check orders are processed.
Normal bank fee of $20.00 will be charged for Stop Payments.
Business Bill-Pay will be $19.95 monthly, which may be offset by earnings credit allowance.
Optional ACH and Wire Processing services may be contracted separately.
The User ID and Password (credentials) selected by you are for your security purposes. Your credentials are confidential and should not be disclosed to third parties. You are responsible for safekeeping your credentials. You may change your password at any time by clicking on Security under Preferences. For security purposes, the system will automatically prompt you to change your password the first time you login. You should carefully select a password that is hard to guess. (We suggest that you stay away from names, dates, and information that may be easily guessed.  Use a combination of lower- and upper-case letters, numbers, and special characters.  We recommend using at least eight characters.) You agree not to disclose or otherwise make your password available to anyone not authorized to sign on your accounts. We strongly recommend that you do not save your password on any computer. If you do so, you agree to absolve us of liability for unauthorized access if you save your password on any computer.

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 up to the limits allowed by applicable law.

In order to help ensure the security of your records, we will end your online session if we have detected no activity for 15 minutes. This is to protect you in case you accidentally leave your computer unattended while you are logged on. When you return to your computer, simply re-enter your user id and password and continue your session. Please note that for security purposes your access to KwikNET will be prohibited for 15 minutes.

When any payment or other on-line service generates items to be charged to your account, you agree that we may debit the designated account without requiring your signature on the item and without any notice to you.

Our normal business days are Monday through Friday. Holidays are not included.

The following cutoff times pertain to specific Internet Banking features. Transactions received after the cutoff time will be posted the following business day.

Funds Transfers - 5:00 p.m. Eastern Standard Time
Bill Payments - To ensure that payment is properly credited to your account by the payment due date, our service may restrict how close to the due-date payments may be scheduled.

Periodic Statement: You will get a monthly account statement from us via U.S. Postal Service on your checking or savings account unless you choose an electronic statement instead.  We provide either a paper statement via mail or an electronic statement, but not both..
Confirmation or Receipt: A confirmation or receipt will be displayed at the time you make a transfer, submit a bill payment, or submit instructions for check orders. This confirmation or receipt may be printed and kept for your records.

Tell us AT ONCE if you believe your password has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two (2) business days, you can lose no more than $50.00 if someone used your password without your permission. If you do NOT tell us within two (2) business days after you learn of the loss, and we can prove that we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500.00.

If your statement shows transactions that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we may extend the time period. If you believe that your password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission call (603) 643-2244, write to us at Ledyard National Bank, P.O. Box 799, Hanover, NH 03755, or send an e-mail to

Liability protections under Regulation E may not apply to Commercial Customers.

If we do not complete a transaction to or from your account on time or in the correct amount according to our agreement with you, we will be liable only for the actual amount of the transaction. We will NOT be liable for any incidental or consequential losses or damages and there are some other exceptions. We will NOT be liable for instance: 
  • If, through no fault of ours, you do not have enough money in your account to cover the transaction.
  • If the money in your account is subject to legal process or other claim restricting such transaction.
  • If the transaction would go over the credit limit on your overdraft line.
  • If the terminal or system was not working properly and you knew about the breakdown when you started the transaction.
  • If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken.
  • If any information provided by you about the payee on a bill payment is incorrect.
  • If there are any delays in handling the payment by the payee.

Telephone us tollfree at 888-746-4562 (888-RINGLNB), write to us , or e-mail us at as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than (60) days after we sent the FIRST statement on which the problem or error appeared.
  • Tell us your name and account number
  • 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.
  • Tell us the dollar amount of the suspected error.
  • Confirmation or Receipt number
For bill payment errors tell us
  • Checking account used to pay the bill
  • Payee name
  • Date the payment was sent
  • Confirmation or Receipt number
  • Payment amount
  • Payee account number
If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.

We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint in writing and we do not receive it within ten (10) business days, we may not credit your account.

If we decide that there was no error, we will send you a written explanation of our findings within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. If a notice or error involves an electronic funds transfer that was initiated in a foreign location, the applicable time period for action shall be ten (10) business days and ninety (90) calendar days in place of forty five (45) calendar days.

We will disclose information to third parties about your account or the transaction you make:

To complete transactions as necessary;
To verify the existence and condition of your account upon the request of a third party, such as a credit bureau or merchant; or
To comply with government agency or court orders; or
If you give us your written permission.
Electronic Mail

If you send Ledyard National Bank an electronic mail message, Ledyard National Bank will be deemed to have received it on the following business day. Ledyard National Bank will have a reasonable time to act on your e-mail.

You should not rely on electronic mail if you need to communicate with Ledyard National Bank immediately - for example, 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 Ledyard National Bank 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 Ledyard National Bank shall be considered received within three (3) days of the date sent by Ledyard National Bank, regardless of whether or not you sign on to the Service within that time frame.

Other Agreements
In addition to this Agreement, you and Ledyard National Bank 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 services or the Bill Payment service is 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 Ledyard National Bank 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 schedules available in each product description on the web site. We will automatically deduct the fees related to this Service from account each month.

Hours of Operation
The Services are available 24 hours a day, seven days a week, except during special maintenance periods. For purposes of transactions, Ledyard National Bank's business days are Monday through Friday, excluding holidays. All online service transaction requests received after 2:00 p.m. on business days and all transactions which are requested on Saturdays, Sundays or holidays on which Ledyard National Bank chooses to remain closed, will be processed on the next Ledyard National Bank business day. Ledyard National Bank's business day begins at 9:00 a.m.
Ledyard National Bank is not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their PC and diskettes using a reliable virus product to detect and remove any viruses. Undetected or unrepaired viruses may corrupt and destroy your programs, files and even your hardware. Additionally, you may unintentionally transmit the virus to other computers.

All notices from us will be effective when we have mailed them or delivered them to your last known address on our records. Notices from you will be effective when received by us at the telephone number or the address specified in this agreement. We reserve the right to change the terms and conditions upon which this service is offered. We will mail notice to you at least twenty one (21) days before the effective date of any change, as required by law.

In the event either party brings a legal action to enforce this agreement or collects amounts owing as a result of any account transaction, the prevailing party shall be entitled to reasonable attorneys' fees and costs, including fees on any appeal, subject to any limits under applicable law.

Use of this service is subject to existing regulations governing your account(s) and any future changes to those regulations.

You agree that we may terminate this agreement if:
  • You or any authorized user of your password breach this or any other agreement with us;
  • We have reason to believe that there has been an unauthorized use of your account or password;
  • We notify you or any other party to your account that we have canceled or will cancel this Agreement.
  • You or any other party to your account can terminate this Agreement by notifying us in writing.
  • We will terminate inactive accounts if there has not been any activity within 90 days.

Termination of service will be effective the first business day following receipt of your written notice. Termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination.

Modifications to this Agreement
Ledyard National Bank may modify the terms and conditions applicable to either Service from time to time by making the new terms and conditions available at our web site. 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 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.

Internet Banking Agreement and Disclosure

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