Planters Bank

Terms and Conditions

Terms of Use
Online Security (Multifactor Authentication)
Online Banking Privacy Statement
Online Banking Agreement/Disclosure
Alerts, Terms and Conditions 


Terms of Use


This website has been established by the Bank for the sole purpose of conveying information about the Bank’s products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the bank’s agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the bank’s agreements and disclosures, the agreements and disclosures will control.

From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.

The information and materials contained in this website are owned by the Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.

The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.

This agreement may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time.

This agreement and the use of this website are governed by the laws of the state of Kentucky.

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Online Security

Introduction to Multifactor Authentication

Due to the exponential increase in phishing attacks, Planters Bank implemented an enhanced online security feature for Internet Banking called Multifactor Authentication. You will get added peace of mind knowing that you are at the authentic Planters Bank website.

If you are a new online banking user, you will be asked to select an image and create a phrase when logging in to your account. Images can be chosen from our library of images. The phrase you enter can be any words you choose, such as "Beautiful Daughter" or "Favorite Vacation Spot." The enrollment process is easy and will take a minute or two. You will only have to do this once. After enrollment, when you login, your image and phrase will be displayed so you'll know immediately that it's safe to enter your login password. To make your login experience even easier, you can "register" your computer with us, so that next time you login from that computer, we will recognize you. We urge you to make sure that you pay special attention and verify that your image and phrase are displayed when you visit our site. If they are not, please do not log in and contact us immediately.

Why Are We Using Multifactor Authentication?

The FDIC requires every bank to implement a risk managed system to further protect customer information. With the growing online, telephone and email security issues including identity theft and phishing, incorporating multifactor authentication is imperative!!

How Does It Work?

Multifactor Authentication is the security application for all of our personal and business Internet Banking accounts. There will be a 'cookie' and small flash object installed on all of your registered computers. These objects will be used to identify your computer as being a known valid computer used to log into your Internet Banking account. When you log into Internet Banking, you will also be able to verify that the site you are on is legitimate and is not a phishing or illegally owned website.

Please contact Planters Bank with any questions at 270.886.9030 or 1.888.806.7036 toll free.

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Online Banking Privacy Statement

At Planters Bank, the basis of each customer relationship is trust. You have chosen to do business with Planters Bank, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals.

Collection and Use of Personal Information

We collect nonpublic personal information about you, such as name, address, telephone number, and Social Security number from the following sources:

  • Information we receive from you on applications or other forms;
  • Information about your transactions with us or others; and
  • Information we receive from a consumer reporting agency.

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted or required by law. Some instances that we are permitted or required to disclose nonpublic personal information are: sending information returns to the Internal Revenue Service, responding to subpoenas and providing information to consumer reporting agencies; i.e. credit bureaus.

Planters Bank web server may employ the use of “cookies” to collect statistical information (such as your browser’s domain name and your IP address), and to track your activity on our website. A ‘cookie” is a file that is transferred from our website to your computer’s hard drive. Please note that a cookie does not retrieve any data from your hard drive, nor does it carry viruses to capture your email address. Your browser may give you the choice to disable cookies. However, if you choose to do so, you may not be able to take advantage of all functions within our website.

Confidentiality and Security of Nonpublic Personal Information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.


E-mails should be sent to us using the address listed under “Contact Us” on our website. Neither your inquiry nor your response is secure; you should not (and we will not) include confidential account information in an email message. We reserve the right to determine whether to respond to you via e-mail or by using a more traditional method such as US Postal Service or by telephone.

Our Commitment to You

At Planters Bank, we value our customer relationships. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. If you have any questions about how Planters Bank protects your confidential information, please e-mail us at or call us at 270-886-9030 or 888-806-7036.

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Online Banking Agreement/Disclosure

Review this information and click to accept or decline at the bottom of the page.

This Internet/Online Banking Agreement and Disclosure ("the Agreement") states the terms and conditions governing the use of basic internet/online banking services (“The Service”) offered by Planters Bank. These terms and conditions are in addition to those that apply to any accounts you have with us or any other services you obtain from us. Your initial use of the Service constitutes your acceptance and agreement to abide by and be bound by all the terms and conditions of this Agreement and acknowledges your receipt and understanding of this Agreement.

As used in the Agreement, “Account(s)” means the designated account(s) at Planters Bank from which we process specific transactions on your behalf pursuant to this Agreement. In this Agreement, “you” or “your” refers to the person subscribing to or using the Service; “we”, “us” , “our” or “Bank” refers to Planters Bank and any agent, independent contractor, designee, or assignee Planters Bank may, in its sole discretion, involve in the provision of the Service. All references to time of day in this Agreement refer to the Central Time Zone.


Planters Bank requires you to register for the Service to access your account(s) with the Bank. You may become eligible for the Service by completing and submitting an enrollment form for the Service. The Service allows you to view account information and transfer funds between your accounts with us. You may not designate any account that requires more than one signature for withdrawals. You must be the owner and have legal signing authority on all accounts you are requesting access to. You will be able to view the account history on all accounts for which you have access through the Service for the current and prior statement periods.

Computer Equipment and Browser Access

We shall not be responsible to you for any loss or damages suffered by you as a result of the failure of systems and software used by you to interface with our systems or systems and software utilized by you to initiate or process banking transactions whether such transactions are initiated or processed directly with our systems or through a third party service provider. You acknowledge that you are solely responsible for the adequacy of the systems and software utilized by you to process banking transactions and the ability of such systems and software to do so accurately.

You must access the Service by utilizing an encrypted browser with a minimum 128 bit encryption. You are responsible for obtaining a browser capable of a sufficiently high level of encryption to meet the system requirements as furnished by Planters Bank.

Netscape Users: In Navigator or Communicator, click on the Help menu and select “About Navigator” (or “About Communicator’). Look for the boldface section on the left side of the screen. If it says, “This version supports U.S. security,” you have 128-bit security. If it says, “International Security”, you do not have 128-bit security and will need to upgrade your browser before using online banking.

Microsoft Internet Explorer Users: In Internet Explorer, click the “Help” menu and select “About Internet Explorer.” Look at the “Cipher Strength.” If the Cipher Strength is anything lower than 128-bit, you will need to upgrade your browser before using online banking.

You are additionally responsible for obtaining Internet service via the Internet Service Provider of your choice, for any and all fees imposed by such Internet Service Provider and any associated communications service provider charges. You acknowledge that there are certain security, corruption, transmission error, and access availability risks associated with using open networks such as the Internet and you hereby expressly assume such risks to the extent applicable law allows you to do so. You acknowledge that you have requested the service for your convenience, have made your own independent assessment of the adequacy of the Internet as a delivery mechanism for accessing information and initiating instructions and that you are satisfied with that assessment.

User ID and Password

To access the Service you will be assigned a User ID and a temporary Password. The User ID is permanent and cannot be changed. The temporary Password will allow you initial access to the Service. You will be prompted to change your Password the first time you obtain access to the Service. The Password you choose must be between 8 and 17 characters in length, at least six alpha and two numeric characters (the Password is case sensitive). You authorize us to follow any instructions entered through the Service using your User ID and Password. Anyone to whom you provide your User ID and password will have full access to your accounts even if you attempt to limit that person’s authority. For your protection, we recommend that you do not use the same User ID for these Services that you use on other bank or non-bank products. You are responsible to protect your User ID and password from unauthorized access. You agree that we are authorized to act on instructions received under your password. You accept responsibility for the confidentiality and security of your password. Upon three (3) unsuccessful attempts to use your password, your access to the Services will be revoked. To re-establish your authorization to use the Services, you must contact us to obtain a new temporary password. Your password should not be associated with any commonly known personal identification, such as social security numbers, address, date of birth, names of children, and should be memorized rather than written down.


You agree to notify the Bank immediately if you believe that your password has become known to any unauthorized person. Telephoning is the best way of keeping your possible losses down. You may be required to sign an affidavit if you assert that an unauthorized transfer or payment may have occurred. You could lose all the money in your account (plus your maximum overdraft limit) if you fail to notify us that your password has become known to an unauthorized person. If you tell us within two (2) business days after you discover that your password has been 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 two (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 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. You may be required to provide your complaint in the form of an affidavit. 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 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If you believe your password has become known by an unauthorized person, or that someone has transferred money or made payments without your permission, you will immediately call:

Planters Bank Customer Service at 270-886-9030 or 888-806-7036

And write to:

Planters Bank Inc.
Attention: Planters Online Banking
PO Box 1570
Hopkinsville, KY 42241-1570

Do Not include your password in any correspondence.


You will be required to change your password every six (6) months. The system will automatically sign you off after fifteen (15) minutes of inactivity. Each time you sign on the system, you are limited to a ninety (90) minute session. The system will allow you three (3) attempts to correctly sign on, after which you will be locked out and it will be necessary to contact the financial institution for re-activation.

Liability for Failure of Bank to Complete Transactions

We will process and complete all transactions (to and from eligible accounts) properly initiated through the Service in accordance with the online instructions provided within the Service and the terms of the Agreement. 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 for your losses or damages. However, there are some exceptions. We will NOT be liable for instance:

  • If, through no fault of ours, you do not have enough money in your account to make the transaction.
  • If the money in your account is subject to legal process or legal claim restricting such transaction.
  • If the transaction will go over the overdraft limit.
  • If the system was not working properly and you knew about the breakdown before you started the transaction.
  • If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken;
  • There may be other exceptions stated in our agreement with you.

You hereby release the 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 a 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.

Notice of Your Rights and Liabilities

In case of errors or questions about electronic transactions made through the Service, you should:

  1. Telephone Planters Bank Customer Service at 270-886-9030 or 888-806-7036; and
  2. Write us at Planters Bank, 1312 S. Main St., Hopkinsville, KY 42241-1570 as soon as you can; or,

We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared.

When submitting an error complaint or question you must:

  1. Tell your name, account number.
  2. Describe the error or transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need additional 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 or question in writing within ten (10) business days.

We will determine whether an error occurred 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 (provisional credit) within ten (10) business days 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 our investigation. If we ask you to put your complaint or question in writing and do not receive it within ten (10) business days, we may not re-credit your account.

If a notice of error involves an electronic fund transfer that occurred within thirty (30) days after the first deposit to the account was made, the error involves a new account. For errors involving new accounts, point of sale debit card transactions, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error.

We will tell you the results within three (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. Also, any provisional credit that was applied to your account will be charged back to your account.

If you believe an error other than an electronic funds transfer problem from use of the Service has occurred concerning your deposit account(s), you will refer to your monthly statement for instructions regarding how to resolve your questions or have any error(s) corrected.

Account Transfers

When you instruct the Bank to transfer funds between your Planters Bank accounts through the Service, you authorize us to withdraw the necessary funds from the designated account. You agree that you will instruct the Bank to make a withdrawal only when a sufficient balance is available in the designated account at the time of processing the withdrawal. The Bank will not be obligated to act on any withdrawal instructions from you if sufficient funds are not available in the account designated.

You understand that under Federal Reserve Board Regulation D, depositors are permitted to make no more than six (6) transfers or withdrawals from a savings or money market account per month (not counting ATM and in person transactions). All transfers initiated through the Service are counted toward the six (6) total permitted transfers or withdrawals. If your transactions exceed the legal limit, you will be charged a fee for each such transaction in excess of the legal limit, which fee is currently $10.00 for each excessive transaction but is subject to change from time to time. If you exceed the restrictions more than three times, the Bank will close the savings or money market account and transfer the funds to a checking account with unlimited transaction privileges. Further explanation of these restrictions is available from the Bank.

Although you receive immediate provisional credit upon completion of transfers made through the Service, we must receive your request for such transfers before 5:00 p.m. on a business day for those funds to be posted on that day. Transfers requests which are received after 5:00 p.m. on any business day, or on a weekend or holiday, will be posted the next business day.


Monthly Service Fee - Planters Bank offers the benefits and convenience of the Online Banking to you free of charge. Any fees associated with your standard deposit accounts will continue to apply. You are responsible for any and all telephone access fees and/or Internet Service fees that may be accessed by your telephone and/or Internet Service provider.

Transaction Fees – If the deposit account from which transfers are made is charged a per-item fee for excess debit transactions, such as Money Market Accounts, a fee will be charged for each payment or transfer in excess of the specified limit. The amount of this fee or any other additional fee, and the specific account type(s) that pertain to this fee or any other type of additional fee are set forth in the Bank’s “Your Deposit Account” disclosure containing information regarding: Terms and Conditions, Electronic Transfers, Funds Availability and Truth In Savings.

Business Days of Operation

The Bank’s normal business days are Monday thru Friday, except for bank holidays. Saturday, Sunday and Monday are considered one business day. Bank holidays are considered part of the following business day. The Service is available 24 hours a day, seven days a week, except during maintenance periods or due to technical difficulties. Any transactions (both monetary & non-monetary) made through the Service and received for processing after 5:00 p.m. on any business day, on the weekend or on a bank holiday, will be credited the next business day. See Bill Payment Agreement for other restrictions.


You may terminate the use of the Service at any time by calling Planters Bank Customer Service at 270-886-9030 or 888-806-7036 or write to: Planters Bank 1312 S. Main St., Hopkinsville, KY 42241-1570. You must notify the Bank at least ten (10) days prior to the date on which you wish to have your Service terminated. The Bank may require that your request be put in writing. We may terminate your use of the Service at any time, in whole or in part, without prior notice. Your access to the Service will be terminated automatically upon closure of your Account(s). Termination will not affect your liability or obligations under this Agreement for transactions we have processed on your behalf. If this Agreement is terminated, by either party, no further Internet / Online Banking (e-banking) transfers will be made, including but not limited to any transfers scheduled in advance or any pre-authorized recurring transfers.

Stop Payments

Subject to certain limitations, you may order us to stop payment on any check payable from your account, whether drawn by you or any other account holder. The stop payment request will be effective if we receive the order at such time and in such manner as to afford us a reasonable opportunity to act upon the order. The stop payment order is effective for six (6) months. A stop payment order may be renewed for additional six (6) month periods if renewed during a period within which the stop payment order is effective. We will require you to provide the amount, number of the item and the name of the payee. If you submit incorrect information, we will not be liable for failing to stop payment on the item. Our acceptance of a stop payment order will not constitute a representation that the item has not already been paid or that we have reasonable opportunity to act upon the order. You may not stop payment on an official, certified, cashier’s, or teller’s check issued by us, or request us to stop payment if we have otherwise become accountable for the item. In addition, you may not stop payment on checks governed by separate agreement, such as check guaranty agreement. Further, you may not stop payment on an item after acceptance of the item by us. Submissions must be received by 5:00PM CST to be effective on the current day. A fee will be accessed for each stop payment request made. Requests will not be processed on bank holidays.


If you go for 90 days without accessing the Service, your access will be blocked and you will receive notification informing you of such. You will have 30 days to contact our office for re-connection. If we do not hear from you after the 30 days expires, your User ID, password and account(s) will be permanently deleted from the Service and any future connection could result in a set up charge.


All monetary transactions made through the Service will appear on your monthly account statement.

Disclosure of Account Information to Third Parties

We will disclose information to third parties about your account(s) or the transactions you make:

  1. To complete the transactions as necessary;
  2. To verify the existence and condition of your account(s) upon the request of a third party, such as a credit bureau or merchant; or
  3. To comply with a governmental agency or court orders; or
  4. If you give us your written permission.

Authorization To Obtain Credit Information

You agree that the Bank may obtain and review your credit report from an authorized credit bureau.

Limitation of Liability

Except as otherwise provided in this Agreement, the Bank is not responsible for any loss, injury or damage, whether direct, indirect, special or consequential, caused by the Service or use thereof.

Governing Law

This Agreement shall be governed by and construed in accordance with applicable Federal laws and all applicable laws of the State of Kentucky and the State of Tennessee, without regard to any state’s conflicts of laws provisions.

Amendments / Modifications

You agree that the Bank has the right from time to time, without your consent, to change the terms and conditions of the Agreement by written notice. The Bank will mail or deliver a written notice to you, at your address as it appears on our records, at least thirty (30) days before the effective date of any change in a term or condition disclosed in this Agreement. Your continued use of the Service after any such change(s) to this Agreement will constitute your acceptance of such change(s) in each instance.

Account Agreements

Your Internet / Online Banking Services and each of your accounts are governed by any applicable disclosure, rates and fee schedules provided by the Bank in your new account packet at the time each account was opened, as each may be modified from time to time. This Agreement shall not be deemed and is not intended to amend, modify or supersede in any way the separate agreements entered into between the Bank and you with respect to any account(s) maintained at the Bank; and the terms and provisions of such separate agreement(s) shall remain in full force and effect.

Personal Information Changes

You agree to promptly notify, in writing, the Customer Service Department of any change in your personal information, such as, Name, Address, Phone Number(s), e-mail address, etc.


In the event of a dispute regarding the Service, you and the Service agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and Planters Bank, which supersedes any proposal or prior agreement, oral or written, and any other communication between you and Planters Bank relating to the subject matter of this Agreement. If there is a conflict between what an employee of the Service or Customer Service Department says and the terms of this Agreement, the terms of this Agreement will prevail.


You may not assign this Agreement to any other party. The service may assign this Agreement to any future, directly or indirectly, affiliated company. The Service may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

No Waiver

The Service nor the Bank shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the Service and the Bank. No delay or omission on the part of the Service or the Bank in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.


The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.

Important Information About Procedures For Opening Or Changing An Account With Planters Bank

Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities.

What this means to you: when you open an account or change an existing account, we will ask each person for their name, physical address, mailing address, date of birth, and other information that will allow us to identify them. We will ask to see each person’s driver’s license and other identifying documents and copy or record information from each of them.


Alerts, Terms and Conditions

Alerts. Your enrollment in Planters Bank, Inc. Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Planters Bank, Inc. account(s). Account Alerts and Additional Alerts must be managed and/or added online through the Service. We may add new alerts from time to time, or cancel old alerts. We usually notify you when we cancel alerts, but are not obligated to do so. Planters Bank, Inc. reserves the right to terminate its alerts service at any time without prior notice to you.

Methods of Delivery. We may provide alerts through one or more channels (“endpoints”): (a) a mobile device, by text message, (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your Planters Bank, Inc. Online Banking message inbox. You agree to receive alerts through these endpoints, and it is your responsibility to determine that each of the service providers for the endpoints described in (a) through (c) above supports the email, push notification, and text message alerts provided through the alerts service. Please be advised that text or data charges or rates may be imposed by your endpoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you alerts. If your email address or your mobile device's number changes, you are responsible for informing us of that change. Your alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number.

Alerts via Text Message. To stop alerts via text message, text "STOP" to 96924 at anytime. Alerts sent to your primary email address will be unaffected by this action. To restore alerts on your mobile phone, just visit the alerts tab in Planters Bank, Inc. Online Banking. For help with SMS text alerts, text “HELP” to 96924. In case of questions please contact customer service at 270-886-9030. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.

Limitations. Planters Bank, Inc. provides alerts as a convenience to you for information purposes only. An alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside Planters Bank, Inc.’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold Planters Bank, Inc., its directors, officers, employees, agents, and service providers liable for losses or damages, including attorneys' fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose.

Alert Information. As alerts delivered via SMS, email and push notifications are not encrypted, we will never include your passcode or full account number. You acknowledge and agree that alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your alerts will be able to view the contents of these messages.


I Accept | Do Not Accept

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