Online Agreement

In order to use Johnson City Bank’s Online Banking & Mobile Banking, you must accept the following agreement. By accepting this agreement, you are consenting to all the terms and conditions stated.

Online Banking & Mobile Banking Agreement


We, our, and us, when used in this notice, means Johnson City Bank. When we use the words “you” and “your” we are referring to Johnson City Bank customers. Business Day refers to Monday through Friday excluding Bank Holidays. Internet Banking, or Online Banking & Mobile Banking refers to the Online Banking & Mobile Banking service.

Charges and Fees

The Johnson City Bank does not charge for it’s Online Banking & Mobile Banking product or it’s bill payment service. Excessive bill pay transfers and expedited payment may incur a charge.

Account Names And Passwords

Johnson City Bank is committed to protecting the privacy of your personal and financial information. Once logged in to our system please change your customer ID to a login name. Please feel free to call us if you have any questions. Once logged in to our Online Banking & Mobile Banking system we will ask for a secret question and answer, these may be used also to verify your identity. This process is for your protection.

After applying, you will be issued a customer ID and temporary password. The first time you log on, you will be asked to change this password. It is your responsibility to keep your customer ID and password safe. We recommend you memorize this information rather than writing it down. If you forget your password, you may call the Bank to have it reset. However, please be advised that the bank can only reset your password to its original state. After your password has been reset, you will be required to change the password on your first log in.

Passwords must be 6-15 characters. For security purposes, your password may expire every 90 days and you will be required to change it. After 3 failed attempts to log on, your account will be ‘locked’. You must call the bank to have this reset. After 90 days of inactivity, your Online Banking & Mobile Banking account will be dormant, and you must call in to have it reinstated.

Some Operating Systems and Browsers allow your PC to remember your passwords for certain programs. We recommend you do not use these functions.

If at anytime, your customer ID and password has been compromised or stolen, it is your responsibility to notify the bank. You must notify us by phone as soon as you discover that your customer ID or password has been compromised.

Choose a Strong Password

Choose at least 10 characters, including at least three of the following four character types:
  • Uppercase letters
  • Lowercase letters
  • Numbers
  • Symbols found on your keyboard, such as ! * - ( ) : | / ?

Avoid words found in the dictionary, including names of famous places and people. Also, be sure to refrain from names or nicknames of people, pets, or places, or personal information that can be easily discovered, such as your address, birthday, or hobbies.

Don't include any of these:

  • Repeated characters, such as AAA or 555;
  • Alphabetic sequences, such as abc or CBA;
  • Numeric sequences, such as 123 or 321;
  • Common keyboard sequences, such as Qwerty or pas.

Password Tips

Your password should be easy for you to remember, but difficult for anyone else to guess.

Invent your own secret password, like this: s3cReT pAs5w*rD. Don't bother with simple substitutions, such as replacing the letter O with the number zero. Get creative with mixing numbers, symbols, and uppercase letters in your own way.

Or try a passphrase: a line from a favorite song, poem, etc. Take the first letter of each word and keep the punctuation, or pick one or two letters or symbols to represent each word, then mix in punctuation and numbers that are meaningful to you.

Please don't use any of the example passwords shown here.


You may transfer funds to and from your Johnson City Bank accounts, make loan payments, view history of you accounts, view images of your checks and deposits, download account information, and view account statements.

Only authorized signers on accounts will be given access to the account via Online Banking & Mobile Banking. We will verify this information before approving your application.

You may set up one-time transfers or reoccurring transfers to and from your accounts with Johnson City Bank. All transfers done before 3 pm will be processed on that business day. Your account information and history is real time or ‘live’ data. According to Federal Reserve Board Regulation D, online transfers will be subject to the same rules and restrictions that in house or telephone transfers are subject to.

There are 7 different formats of downloads available. You may download transactions within a range of dates, since your last statement, or since your last download. There are no additional charges for these account downloads. The formats are QuickBooks 2010 and Above, Quicken 1998-2010, Microsoft Money 1998 and Above, Microsoft Money 1997 and Below, Comma Delimited and BAI2.

Your statements may also be viewed online. These will not take the place of the monthly or quarterly statements that we send to you via US Mail. The online statements can be viewed in “PDF” format. There is no charge for viewing or printing online statements. Statement history will start accruing after the first time you log on and up to a year after. Copies of statements before that date will still have to be requested from the Customer Service department at the bank, and will be subject to research fees.

Accounts That Require 2 Signatures

Johnson City Bank only requires one signature on any account. It’s the customer’s responsibility to monitor the account for 2 signatures.


The Johnson City Bank knows the importance of security and confidentiality of our customers’ records and account information. We use the latest technology including firewalls, encryption, and intrusion detection and testing. Firewalls combine hardware and software to block unwanted communications into and out of our network. Encryption transforms data into an unreadable format. The bank uses 128-bit encryption for all Internet banking system communications. Encryption is used when transmitting all sensitive or critical data. Johnson City Bank uses a third-party company to perform intrusion detection and testing of the bank’s systems. Johnson City Bank is committed to keeping the information of its customers secure.

The Online Banking & Mobile Banking system will automatically log you off after 10 minutes of non-use. Please do not leave your PC unattended while you are signed on to Online Banking & Mobile Banking or bill pay.

Lost or Stolen Phone

If at any time your mobile access device has been compromised or stolen, it is your responsibility to notify the bank. You must notify us by phone at 830-868-7131 as soon as you discover that your mobile access device has been compromised or stolen.  We recommend you contact your mobile provider to notify you have lost your mobile access device.

Virus Protection

Johnson City Bank has a company-wide virus detection and prevention program to reduce the likelihood of computer viruses. The bank is not liable for any electronic virus that a customer may encounter while using Online Banking & Mobile Banking. We encourage you to use your own virus detection software. We recommend using the software to scan your PC on a regular basis. You should always remove any viruses from your PC.


Johnson City Bank does not have control over and is not responsible for the content of any websites or links that are linked to our website or Internet banking site. Our site is checked periodically for accuracy and content. The bank is not responsible for any vandalizing or corruption of its sites or links.

Hardware and Software Requirements

There are no certain hardware and software requirements for using Johnson City Bank’s Internet banking product. You must be using 128-bit encryption and Cookies must be enabled to use this product.

Termination of Services

If at any time, you decide to terminate your Internet banking service with Johnson City Bank, please notify us in writing



fdic    equal housing

You are leaving Johnson City Bank

By clicking Continue, you will be taken to a website that is not affiliated with Johnson City Bank. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Johnson City Bank's website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Johnson City Bank.


Unsecure Email Disclosure

Your privacy is very important to us. We would like to advise you that Internet email is not a secure method of communication. Please do not submit any information that you consider confidential. We recommend you do not include any specific identifying information such as your social security, account, PIN numbers, date of birth, etc...


Affiliate Website Notice

By clicking Continue, you will be taken to our affiliate's website. Products and services offered shown will be provided by our affiliated entity. Some products offered may not be FDIC insured. Please read the privacy and security policies on our affiliate's website. In some instances, these policies may differ from those of Johnson City Bank Group.