Connecticut Community Bank, N.A.

Access Agreement

Please read the Access Agreement below.
When finished, click on the 'Agree' button at the bottom to sign up for CCBank Online.

Connecticut Community Bank, N.A.

Personal Online Banking Agreement & Disclosure
Please read this agreement carefully as it governs your use of the Service


This Personal Online Banking Agreement (PBA) governs your use of the Online Banking Service that permits our customers to access a number of financial services through the use of the Internet. Also included in this document are supplementary regulatory disclosures applicable to these services and are considered addendums to those disclosures provided to you at account opening.  Throughout this document the PBA and Disclosure will be referred to as "Agreement".  

You must read this Agreement before enrolling in our Internet Banking Service and initiating any electronic funds transfers or bill payments via the Internet. By using Internet Banking, you agree to all of the terms of this Agreement.  Please read it carefully before accessing any of the Services.  We recommend that you print a copy of this document for your records; however, if you cannot, contact any branch office and we will mail you a copy.    

Accounts and services provided by Connecticut Community Bank, N.A. may also be governed by separate agreements with you.  This Agreement supplements any other agreements or disclosures related to your account (s), including the Terms and Conditions of Your Account Agreement provided to you separately.

You or Your - The person(s) subscribing to or using Personal Online Banking.

We, Us, or Our - Refers to Connecticut Community Bank, N.A. (“CCB”) and any agent, independent contractor, designee, or assignee CCB may involve in the provision of Personal Online Banking.

Business Day - Any calendar day other than Saturday, Sunday, or any holidays recognized by CCB. Bill payments are processed on all business days that both the Federal Reserve Bank and the US Postal System are operating and open for business.  Online banking transactions received on Saturday, Sunday or holidays recognized by CCB are effective on the next business day.

Business Day Cutoff- CCB’s head office is located in Westport, Connecticut and we base our business day on the Eastern Time zone for posting purposes.   Bill Payments may be scheduled up to 10:00 pm each day. 

Electronic funds transfers – include deposits to, withdrawals from, or transfers between your accounts, which are not originated by check, draft, or similar paper instrument.  Electronic transfers include those made through a computer or other electronic device. If we authorize your account(s) for electronic transfers through the Internet Banking Service, you have certain rights and responsibilities under the Electronic Funds Transfer Act (EFT) which are further detailed in this Agreement as a supplement to the EFT disclosure provided at account opening.

Privacy Statement – CCB understands how important privacy is to our customers. We have taken steps to protect the security and privacy of your personal information and as well as your financial transactions with us.    A copy of our privacy policy was provided at account opening but you may wish to read our privacy policy posted on our web site before completing enrollment for Personal Online Banking. 

Personal Online Banking
provides a complete array of financial services to our members.  Our Service allows you to access your account information 24 hours a day, 7 days a week. 

The services currently available to our customers consist of:

  • Viewing account balances and transaction history
  • Viewing cleared checks
  • Transferring funds between deposit accounts at CCB
  • Placing a stop payment
  • Setting account alerts

Additional services such as Bill Payment, PopMoney and Account2Account Transfers may require a separate enrollment and approval process.  Fees, if any, will be provided at enrollment or when the services are requested or used.

The Personal Online Banking service(s) is provided by Open Solutions Inc.  The Open Solutions System utilizes a comprehensive security strategy to protect your accounts and transactions conducted over the Internet. In addition to log-on security, Open Solutions uses the SSL (secure socket layer) encryption technology for everything you do in the Internet Banking system. This technology is automatically activated by your browser when it attempts to connect to our system and it will support only a 128 bit key length. Whenever SSL is securing your communications, the browser will typically indicate the "secure session" by changing the appearance of a small icon of a padlock at the bottom of the screen from open to locked. What this means to you is that your communications are scrambled from your browser to our servers at all times so no unauthorized party can read the information as it is carried over the Internet. In addition, our servers have been certified by a "Certificate Authority" that will assure you that you are actually talking to our servers instead of someone pretending to be us. It is also important for you to use a browser version that is supported by Open Solutions.   Supported browsers include Internet Explorer Version 8 and higher, Firefox Version 14 and higher, Safari Version 5 and Chrome 20 and higher.

During your use of the Personal Online Banking Service, Open Solutions will pass a "cookie" to your browser for identifying you during the session.  This cookie only identifies your computer.  Open Solutions does not (and cannot) use cookies to collect or obtain new personal information about you.  This cookie allows Open Solutions to process multiple transactions during your session without requiring you to reenter your password for each individual transaction.  The cookies for online banking simply provide another level of security for our Internet banking product. The Open Solutions online banking system uses encrypted cookies that do not pass to your hard drive.  Instead, the cookie is stored in the memory of your browser, identifying your computer while you are logged on.  Only Open Solutions can read the information in these cookies.  When you log off, close your browser, or turn off your machine, the cookie is destroyed.  A new cookie is used for each session.  That way, no one can use the prior cookie to access your account.

One of the main security features guarding the use of the Personal Online Banking system is the unique combination of your Sign-on ID and Password. Your password should never be something that is common to you (date of birth, family name, etc.) and should include a special character that is not a letter or number, and must include one number and one letter.  It is important that you keep your Password confidential. We will not be liable for any losses resulting from you permitting other persons to use your Sign-on ID and Password to access the system.

In addition to the security measures described above, there may be other security requirements that we will implement from time to time.  In addition, CCB will post security information on our web-site to keep you better informed on how to protect your financial transactions and avoid identity theft. It is your responsibility to adhere to all security requirements and to read all applicable notices.   If you have more questions about the security of Personal Online Banking please contact any of our branch offices. 

The Personal Online Banking service requires that you complete the initial enrollment process. This involves completing a secure online application posted on our web-site.

Log-On Security

Security is very important to the Internet Banking Service. At the time you enroll in the service, you will select a unique "Sign-On ID" and then choose a "password" that will be used to gain access to the system.

To help prevent unauthorized access and ensure the security of your accounts, 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 after you logged on. When you return to your computer, you will be prompted to re-enter your password and your session will continue where you left off.

Because your password is used to access your accounts, you should treat it as you would any other sensitive personal data. You should carefully select a password that is hard to guess. Keep your password safe, never write it down or keep it near your computer. Memorize your password and never tell it to anyone. You may be required to change your password every 90 days or at another interval determined by the CCB. A password change can be done at any time after you have logged on from the "My Profile" menu.

You may request access to any account if you are a signer or owner. If you desire services that allow you to initiate payments or transfers from the account, you will need the required withdrawal authority over the account to be able to complete the transaction. By using the Personal Online Banking Service, you agree to maintain one or more accounts with us and to keep sufficient balances in any account to cover any transaction and fees that are ultimately approved by or related to the system. If the accounts added to the service are jointly held or have multiple signers, you agree that access to the information and all transactions initiated by the use of your Sign-On ID and Password are authorized unless we have been notified to cancel the service.


Personal Online Banking is available to our customers at no monthly charge for all the account information services, internal (CCB account) transfers and Bill Pay.  Bill Pay is an optional service available only with a checking account. You must specifically request to have this service added. 

Cancellation of Service

Your Service may be canceled at any time by CCB in whole or part without prior notice due to insufficient funds in one of your accounts or other circumstances that may create an unanticipated liability to us. You will remain responsible for all transactions approved by the system prior to the cancellation, and for any other fees associated with the service. After cancellation, service may be reinstated once sufficient funds are available in your accounts to cover any fees and other pending transfers or debits. In order to reinstate services, you must contact your local branch office.


Balance Inquiries, Bill Payments, and Transfer Limitations

You may use the Service to check the balance of your account (s) and to transfer funds among your accounts at CCB.  According to current federal regulations, you may not make more than six (6) pre-authorized or automatic transfers or bill payments from a statement savings account or money market checking account during a given monthly statement period.  Transfers authorized by telephone or personal computer are counted toward the six total permitted monthly transfers or withdrawals.  

Balances shown in your accounts may include deposits subject to verification and collection by us. The balance may also differ from your records due to deposits in progress, outstanding checks or other withdrawals, payments or charges. A transfer request may not result in immediate availability because of the time required to process the request.   If you have further questions contact your local branch office.

There may be unforeseen situations that cause a delay in an update of your balances. The system will use the most current balance available at the time of a transaction to base our approval for bill payments and account transfers.


Special Information about Stop Payments

Stop Payments may be placed through the Online Banking Service.  If urgent action is required, we recommend that you contact us directly by telephone or in person.  Additional terms of acceptance or disclosures may apply on all Stop Payment requests and these terms will be disclosed at the time you complete the request. The Stop Payment feature is designed to submit a request to stop payment on checks you have written from your account. The Stop Payment service is not available to cancel transfers, Debit Card authorizations or ACH transactions.  There will be a fee per check stopped which will be disclosed to you prior to placing the stop through our Online Banking Service.  You may also wish to refer to our Miscellaneous Fee Schedule for further information.


 Bill Payment Service

To use the Bill Payment service you must enroll through Online Banking and agree to accept the Terms of Service. 

Bill Payments may be scheduled throughout the day until 10pm ET.  We suggest that you schedule bills to be paid at least seven days prior to the bill payment due date to allow for sufficient time for processing.  Payments may be sent to merchants electronically, by paper check or by draft via the US Postal system.  Anything scheduled on a non-business day, or after the cut-off time, will not be sent out until the following business day. In general, the system will attempt to tell you when you can expect the payment to be received by the payee. Our system assumes the payee/vendor will promptly process the payment on the business day it is received. Any delays caused by the payee/vendor would result in additional days before the payment would show on their records. By using this service, you authorize us, and any third-party payment-processing agent we may use, to choose whatever method we feel is the most effective method to process your transaction.

If your account does not have sufficient or available funds to issue the scheduled payment, you may be charged an Insufficient Funds charge of $33.00 per payment.  Please refer to our Miscellaneous Fee Schedule for additional charges that may apply.

The Bill Payment Service also provides for the ability to make Same Day payments to some merchants for a separate additional fee.  This service is electronic and therefore may be limited to merchants able to receive and process payments electronically.  The availability of the service for payment to a specific merchant, along with the related additional fee, will be disclosed at the time the payment is scheduled.

The Bill Payment Service also provides for the ability to make an Overnight Payment by Check to various merchants for a separate additional fee.  The cutoff time for this service is 4pm ET on a business day and the fee will be disclosed at the time the payment is scheduled. 

Limitations on Liability for Failure to Make Payments and Transfers

It is our responsibility to process all bill payments and account transfers properly initiated through the Online Banking system in accordance with this Agreement. We will not be liable if any of the following occurs:

1.   If through no fault of ours, you do not have enough available money in your account to make the bill payment or transfer, or if the account has been closed.  Your account must have sufficient collected funds to make the requested transfer.  Certain deposits and balance transfers from other accounts may not be immediately available for bill payment.  The amount of available funds will be calculated in accordance with our Funds Availability Policy, provided to you separately when your account was opened.

2.   If your computer, software or telecommunication lines were not working properly or were temporarily unavailable.

3.   If you had knowledge of or questions about the possible malfunction of our system when you initiated the transaction.

4.   If circumstances beyond our control such as natural disasters (fire, flood, tornado, etc) or other uncontrollable circumstances (mail delays, telecommunication outages, power failures, etc) prevent proper completion and delivery of transactions despite reasonable precautions that we have taken. 

6.   If you provide incomplete or inaccurate information to us regarding the account or transaction.

7.   It can be shown that the merchant or payee received the payment within the normal delivery timeframe and failed to process the payment through no fault of our service providers or ours.

8.   If your account has been tied up by legal proceedings (court order, garnishment) or other actions that prevent us from making a payment or transfer.

9.   We have reasonable basis for believing that unauthorized use of your Sign On ID or password or designated account has occurred or may be occurring.

10.  If you default under the terms of this agreement, or any other legal agreement with us.

11.  If either Party terminates this Agreement.

There may be other exceptions stated in our deposit account agreements with you.

Documentation and Verification of Payments and Transfers

Information regarding Online Banking transactions, including bill payments, will be reflected on the account detail in our Online Banking system and in your regular monthly account statement(s).


Notice of your Rights and Liabilities under the EFT Act 

The EFT Act provides you with certain rights and responsibilities with respect to electronic fund transfers via our Online Banking system. Your rights and responsibilities in the event of an unauthorized bill payment or unauthorized account transfer are disclosed below.  This information is provided to you as a supplement to the disclosures you received at account opening.   You may obtain a hard copy of this document from us at any time by calling or sending us an email at or upon request in person.

If you believe your SignOn ID, or password has been compromised, lost, or stolen, or that someone has transferred or may transfer money from your account without your permission, call us immediately at the following number: 1-866-831-9892.

Contacting us by telephone is the best way of keeping your possible losses to a minimum. If you suggest that an unauthorized transfer or payment may have occurred, we may require you to sign an affidavit.

You could lose all the money in your account (plus overdraft protection).  If you tell us within 2 business days after you learn that your SignOn ID and password have been compromised, lost or stolen, you can lose no more than $50.00 if someone used your password without your permission.  If you do NOT tell us within 2 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 SignOn ID and password without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows electronic transfers that you did not make or authorize, 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.

If a good reason (such as a long trip or hospital stay) kept you from telling us, we may extend the time periods to a reasonable time.

Errors and Questions
In cases of errors or questions concerning transactions completed within the Online Banking Service, do one of the following, as soon as possible:

1.       Call Customer Service at 1-866-831-9892

2.       Write to Customer Service at Connecticut Community Bank, N.A.,605 West Avenue, Norwalk, CT 06850.

3.       Routine bill payment questions may be directed to 1-844-776-9597, seven days a week between 7am. and 1am ET.

We must hear from you within 60 days after we transmit the first statement or notification in which the error or problem appeared. Please include the following information:

  • Name, Address and Account Number
  • Description of the error or the transaction you are unsure about, plus an explanation of why you believe it is an error or why you need more information.
  • Tell us the amount of the error.

For a Bill Payment error tell us:

  • Checking Account number used to pay the bill
  • Payee name, payment amount and date the payment was sent
  • Payee account number for the payment in question.
  • Payee phone number for the payment in question.

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

We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly.  We may extend the time frame for investigation to 20 business days on a new account, if the suspected error occurred outside the United States or if it occurred at a merchant location for the purchase of goods and services.  If we need more time, however, we may take up to 45 days to investigate your complaint or question.  We may extend the investigation up to days 90 days if on a new account, if the suspected error occurred outside the United States, or if it occurred at a merchant location for the purchase of goods or services.  If we decide to do this, we will provisionally credit your account within 10 business days for the amount you think is in error, so that you will have the use of your money during the time it takes us to complete our investigation.  We will provide provisional credit within 20 business days if a new account, if the suspected error occurred outside the United States, or if it occurred at a merchant location for the purchase of goods or services. 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 provisionally credit your account.  We will tell you the results within 3 business days after completing our investigation.  If we determine 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.

Other Problems

If you believe an error, other than an electronic funds transfer problem has occurred, you can call us at 1-866-831-9892 or send secure email for information about how to handle the problem.

Disclosure of Account Information to Third Parties
Information about your account(s) or the transaction (s) you make will be disclosed to third parties only if at least one of the following applies:

1.   It is necessary to complete a transaction.

2.   It is necessary to verify the existence and condition of your account to a third party such as a credit bureau or merchant.

3.   To comply with a governmental agency or court order.

4.   If permission is given to us by you, which we may require to be in writing.

5.   It is necessary to assist us in collection of information for internal use,

6.   It is necessary for statistical information or security purposes of our service providers, our servicing agents, and/or contractors providing our Online Banking and electronic funds transfer service.

7.   It involves a claim by or against us concerning a deposit to or withdrawal from your account.

Please refer to our Privacy Policy for additional detail on disclosure of account information.  You may find our Privacy Policy at all branch locations or at or if you request, we will mail the policy to your home address.

Electronic Disclosures

If you agree, we may send you certain disclosures electronically in the future.  Please contact us for additional information.   



Online Banking and electronic delivery of statements requires that your Internet browser be (Secure Socket Layer) SSL compliant, using 128 bit encryption. Most popular browsers support this security feature. We require this to maintain our high security level. Refer to supported browsers elsewhere in this document.

You are solely responsible for the maintenance, installations, and operation of your computer.  Connecticut Community Bank, N.A. shall not be responsible for any fraudulent transactions, errors, deletions, or failures that occur as a result of any malfunction of your computer or other electronic device or software, nor will we be responsible for any computer virus or malware that affects your computer or software while using our Personal Online Banking Product.   We encourage our customers to routinely scan their equipment using a current and reliable virus detection product.  Undetected or unrepaired viruses and/or malware may corrupt and destroy your programs, files, and even your hardware.  Malware and viruses may also be used to obtain personal and account information to perform fraudulent transactions.  Additionally, you may unintentionally transmit the virus to other computers. 

By accessing and/or using our Personal Online Banking system, you agree that Connecticut Community Bank, N.A. not be liable for any indirect, incidental, or consequential costs, expenses, or damages (including lost savings or profit, lost data, business interruption, or attorney’s fees.) 

You may terminate the use of our Online Banking Service by contacting us via US mail, e-mail, or personal delivery to Connecticut Community Bank, N.A. If your account(s) is closed or restricted for any reason, or if there has been not Online Banking or Bill Payment Activity for a period of (3) three consecutive months, Online Banking accessibility will be inactivated.  In order to re-activate an inactive account, you must contact your local branch.  We may at any time cancel all or part of the Services we generally offer.

If you terminate the Bill Payment service, you authorize us to continue making payments and other previously authorized transactions until we have a reasonable opportunity to act upon your termination notice; you also agree to pay all applicable fees and charges.  Once we have acted on your notice, we have no further responsibility to make any payments or previously authorized transactions.