Apply for Online Banking

You may agree to the terms by clicking “I HAVE READ AND ACCEPT” at the bottom of this page or “I DECLINE” if you do not accept the terms of this agreement.

What this Agreement covers: This SNBconnect Online Banking Agreement (the "Agreement") explains the terms and conditions which Security National Bank's online banking services ("Services" and “Online Banking”) are provided. By using any of the Services, you agree to abide by the terms and conditions of this Agreement. Your initial use of Online Banking Services constitutes your acceptance and agreement to be bound by all of the terms and conditions of this Agreement and any other bank documents.

Relation to Other Agreements: Your use of SNBconnect Online Banking to access your accounts does not change the agreement you already have with us on those accounts. When you use SNBconnect to access an account, you do so under the terms and conditions we gave you in the agreement and disclosure for that account.

Definitions: The terms "we," "us", “our” and "Bank" refer to Security National Bank of Omaha. The words "you" and "your" refer to the person(s) named as applicants on the application or enrollment form for the Services or who actually uses the Services. The term "business day" means Monday through Friday, excluding Saturday, Sunday and holidays. These terms are in addition to the terms and conditions included in the All About Your Deposit Account Agreement and Disclosures, as well as any other agreements or disclosures you have been provided governing the banking products and services you may have with us, collectively referred to as "Bank Documents". These "Bank Documents" may be modified from time to time.

On-Line Banking Services: The Services covered by this Agreement are those that we make available to you through the Online Banking Service. The Services currently include the ability to review and download account information, transfer money between accounts you have with us, pay bills and communicate electronically with us. We may suspend Services at our discretion. Account access is not available for commercial accounts or for multiple signature accounts. You are responsible for the equipment you use to access the Online Banking Services. It is your responsibility to protect your computer from all computer threats, such as viruses. You are liable for losses stemming from the insecure storage of your written access ID and password information, password sharing and the use of insecure public computers. Transfers from your Money Market account to another account or to third parties are limited to six per statement cycle. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.

Bank Liability: If we do not complete a transfer to/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 you have an overdraft line and the transfer would go over the credit limit. (3) If the system was not working properly and you knew about the breakdown when you started the transfer. (4) If circumstances beyond our control (such as fire and flood) prevent the transfer, despite reasonable precautions that we have taken. (5) There may be other exceptions statement in our agreement with you.

The Bank agrees to make reasonable efforts to ensure full performance of the Online Banking Service. The Bank will be responsible for acting only on those instructions sent through the Online Banking Service that are actually received and cannot assume responsibility for malfunctions in communications facilities not under its control that may affect the accuracy or timeliness of the messages you send. The Bank is not responsible for any losses or delays in transmission of instructions arising out of the use of any Internet Service Provider or caused by any browser software. Any information you receive from the Bank can only be provided on a best-efforts basis for your convenience and is not guaranteed. The Bank 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. The Bank is not responsible for any computer virus or related problems that may attributable to the Online Banking Service or to any services provided by any Internet Services Provider. In the absence of negligence on the part of the Bank, none of the Bank, its affiliates or any of their respective officers, directors, employees or agents, is responsible for any direct, indirect, special, incidental or consequential damages arising in any way out of the use of the On-line Banking Service.


Statements: You will continue to receive your regular account statement either monthly or quarterly, depending on the type of account. If your statement shows an incorrect or unauthorized transaction, you agree to notify us immediately. You can call us at the number found in the Contact section of this website.

Confidentiality: We will disclose information to third parties about your account or the transfer you make: (1) where it is necessary for completing transfers; or (2) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or (3) in order to comply with government agency or court orders; or (4) as explained in the separate Privacy Disclosure.

Consumer Liability for Unauthorized Transfers: Tell us AT ONCE if you believe your Online ID or password has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all of your money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days, you can lose no more than $50 if someone used your Access Code or Password without your permission. (If you believe your Online ID or password has been lost or stolen, and you tell us within 2 business days after you learn of the loss, you can lose no more than $50 if someone used your Access Code or Password without your permission). If you do NOT tell us within 2 business days after you learn of the loss of your Access ID or Password, and we can prove that we could have stopped someone from using your Access Code or Password without your permission if you had told us, you could lose as much as $500.00. Also, 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 of the 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. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your User ID or Password has been lost or stolen or that someone has transferred, or may transfer money from your account without your permission, you can call us at the number in the Contact section of this website, or write us at Security National Bank of Omaha, P.O. Box 31400, Omaha NE 68131.

Error Resolution Notice: In case of errors or questions about your electronic transfers, call or write us at the number or address found in the Contact section of this website as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared and provide us the following: (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 in writing within 10 business days. We will determine whether an error occurred within 10 business days (5 business days for Cash and Check Card point-of-sale transactions and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for Cash and Check point-of-sale transactions and 20 business days if the transfer involved a new account) 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 the 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. Your account is considered a new account for the first 30 days after the first deposit is made, unless you already have an established account with us before this account is opened. We will tell you the results within 3 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 by writing us at the address found in the Contact section of this website.

Transfers: Transfers may be initiated on the current business day, on a future date, or on the same date of each month, subject to the restrictions in agreements between you and Security National Bank. If you direct the initiation of a transfer to occur on a day other than a business day, it will be initiated on the following business day. Transfers between accounts must be scheduled by the normal cutoff time of 6:00 p.m. (CST) on any business day to be posted the same day.

Bill-Pay Services: If you are signed up for the Bill-Pay service, you may use Bill-Pay to make variable or recurring payments to third parties which are included on your vendor list. You are responsible for ensuring the accuracy of the information on your vendor list. Any changes to the vendor list must be made far enough in advance to account for any pending payments. Bill-Pay transactions will be deducted from your account on the transmit date you specify, assuming you have sufficient funds available in your account. You must make your payment request and select a payment date with enough time in advance so that your payment will be delivered by the due date. You understand and agree that Security National Bank is not responsible for the timely delivery of the mail or the improper transmission or handling of payments by a third party, such as the failure of the bill payment payee to properly post a payment to your account. There is a charge of $3.95 per month for the Bill-Pay Service. This includes 10 bill payment transactions per month; additional transactions using the Bill-Pay Service are $0.50 each. If you find that Bill-Pay Service is not for you, you may cancel Bill-Pay Service by investigation by contacting us at the address found in the Contact section of this website and request cancellation. Any recurring transactions will be deleted at that time.

How to Cancel a Bill Payment: By logging on to SNBconnect and then going to your SNB/Bill-Pay account, you can cancel any payment that has not started processing. After you cancel a payment, its status changes to “Canceled” and the payment is not processed. Canceled payments appear on the “Payment Center” page and in your “Bill History” page.

Stop Payment Requests: The Service's ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. You may be able to stop a bill payment paid by paper draft by contacting us by telephone before the paper draft has cleared. You are required to put your request in writing and deliver it to us within 14 days after your call. You will incur stop payment charges of $28 or $33 per bill pay item stopped, depending on the way you request the stop payment fee. A $28 stop pay fee will apply to all other stop payment requests placed through SNBconnect. A $33 stop pay fee will apply to all other stop pay requests that are in person.

Email Services: Bank e-mail service is available for our Online Banking customers. Bank e-mail may be used only for general, non-urgent communications and may not be reviewed by Bank personnel immediately after they are received. If immediate attention is required, you must contact the Bank by telephone or in person or through some other procedure other than the Online Banking Service. E-mail messages will not serve as a substitute for any requirement imposed on you to provide the Bank with a “written” notice.

Transaction requests and time sensitive information such as transfers from your accounts, bill-payment requests, stop payment requests, or to report lost or stolen credit cards, ATM cards, debit cards, access IDs or passwords may not be made using bank e-mail.

We reserve the right to terminate Services if e-mail is used for threatening, abusive, obscene, libelous, defamatory or offensive material. Offensive material includes, among other things, sexually explicit messages or other messages that can be construed to be harassment or disparagement of others based on their race, color, religion, disability, age, sex or national origin.

Changes in Terms: Bank may change the Online Banking Service and the terms, including fees, set forth in this Agreement at any time. You will be notified of any such change as required by applicable law, either by mail or by an electronic message. You understand that, by using the Online Banking Service after a change becomes effective and after you are notified of that change, you agree to that change.

Termination: This Agreement remains in effect until you or the Bank terminates it. You may cancel this Agreement at any time by sending a notice to Security National Bank, P.O. Box 31400, Omaha, NE 68131, Attention: Online Banking. The Bank may cancel this Agreement and terminate your use of Online Banking for any reason, at any time. If we terminate this Agreement, no further Online Banking transfers or bill payments will be made, including but not limited to any payments or transfers scheduled in advance or any preauthorized recurring payments or transfers.

Fees: There are currently no additional monthly service charges or transaction fees for the Online Banking Service with the exception of the optional Bill-Pay services and stop payment requests. You are responsible for paying any fees associated with Online Banking and Bill-Pay Services, as well as any additional fees that may be assessed by your Internet Service Provider and for any telephone charges or fees incurred by accessing Online Banking services. Fees imposed by the bank will show on your bank statement. The Bank may modify its fee schedule at any time upon 30 days prior written notice to you.

Transaction Authorization: Security National Bank is entitled to act on instructions received through Online Banking under your password and without inquiring into the identity of the person using that password. DO NOT DISCLOSE YOUR PASSWORD under any circumstances, either by telephone or to anyone claiming to represent the Bank. The Bank's employees do not need to know and should not ask for your password. You are liable for all transactions made or authorized using your password. If you give your password to anyone, you do so at your own risk. Anyone to whom you give your Online Banking password or other means of access will have full access to your accounts even if you attempt to limit that person's authority. You must notify the Bank to disable your password if you become aware that your password has been lost, stolen or otherwise compromised and that it should not be honored. You are liable for all transactions that you (or if you are using a joint account, any of you) make or authorize, even if a person you authorized exceeds your authority. You hereby release Bank from any liability and agree not to make any claim or bring any action against us for honoring or allowing any actions or transactions where you have authorized the person performing the action or transaction to use your account(s) and/or you have given your password to such person, or, in the case of a jointly held account such person is one of the owners of the account. You agree to indemnify the Bank and hold it harmless from and against any and all liability (including but not limited to reasonable attorney fees) arising from any such claims or actions.

Agreement Modification: The Bank has the right to modify or terminate this Agreement at any time. We will comply with any notice requirements under applicable law for such changes or termination. If we terminate this Agreement, no further Online Banking transfers or bill payments will be made, including but not limited to any payments or transfers scheduled in advance or any preauthorized recurring payments or transfers. If we modify this Agreement, your continued use of Online Banking Services will constitute your acceptance of such changes in each instance.

No Other Use: The Online Banking Service gives you access to services and information from the Bank. These services and the information provided are the property of the Bank. You may use the Online Banking Service only for your personal use and may not reproduce, sell or distribute all or any portion of the information provided to you by the Online Banking Service.

Severability: In the event any one or more of the provisions of this Agreement shall for any reason be held to be invalid, illegal, or unenforceable, the remaining provisions shall remain valid and enforceable.

Governing Law: The terms and conditions of this Agreement shall be governed by and construed in accordance with the laws of the State of Nebraska. Any issue relating to an account or service with the Bank which you access through the Online Banking Service shall be governed by the laws specified in the agreement for that account or service if there is a separate agreement for that account of service.

Assignment: The Bank may assign its rights and delegate its duties under this Agreement to a company affiliated with the Bank or to any other party. You may not assign any of your rights or duties under this Agreement at any time.

Entire Agreement: This Agreement is the entire agreement between you and the Bank regarding your use of Online Banking Service, and it supersedes any prior discussions and agreements between you and the Bank regarding the Online Banking Service delivered to you in writing, verbally or obtained at any branch or department of the Bank or the site of any Internet Service Provider.

Interruptions in Service: The Bank may on a regular basis perform maintenance on the Bank’s equipment and systems that may result in interruption of the Online Banking Service. The Bank will not incur any liability to you as a result of any such interruptions.