Click the Mortgage Loan Officer below
to begin the application process
Jennifer Rodgers-serving Coffee and Franklin Counties and the greater Nashville area
Patrick Everett-serving the counties and surrounding areas of: Bledsoe, Grundy, Hamilton, Marion, Sequatchie, Rhea, and Van Buren
Rhonda Walker-serving Warren County
Diane Gass-serving Huntsville, AL area
Enjoy a Digital way to pay! CTCB recognizes the need for Digital Payments and we are excited to support a new way to pay! We currently offer the following types of Digital Payments;
•Apple Pay TM •Google Pay Android TM •Samsung Pay TM
To enroll in a Digital Payment option:
1. Go to the digital wallet app on your smart device and click add new card.
2. Enter your card information at the prompts and you are done.
(Apple devices automatically add the card. Android devices will send a confirmation code to complete.)
CITIZENS TRI-COUNTY BANK
DIGITAL WALLET TERMS & CONDITIONS
DEFINITIONS
In these DIGITAL WALLET TERMS & CONDITIONS:
• “You”, “your”, or “user” refer to the cardholder or any authorized user of any eligible debit, credit, or prepaid card issued by Citizens Tri-County Bank.
• “We,” “us,” “our,” refer to Citizens Tri-County Bank who is the issuer any eligible debit, credit, or prepaid card.
• "Wallet" means a digital wallet or an electronic payment system into which any eligible debit, credit, or prepaid card may be enrolled by you on any mobile phone, tablet, watch or other device that supports the digital wallet. These electronic payment systems can include Apple Pay, Google Pay, Samsung Pay or any future payment systems Citizens Tri-County Bank permits for any of its eligible debit, credit, or prepaid cards to be enrolled. Apple and Apple Pay are registered trademarks of Apple Inc. Android, Google Play, Google Pay, and the Google Logo are trademarks of Google LLC. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.
• “Device” (each, singular, or in the plural) means any mobile phone, tablet, watch or other device that supports a digital wallet.
• “Card” means any debit, credit, or prepaid card (each, singular, or in the plural) issued by Citizens Tri-County Bank that has been made eligible for enrollment in a digital wallet or electronic payment system.
AGREEMENT TO TERMS & CONDITIONS
Enrolling or adding your Card into a Wallet constitutes as acknowledgement and agreement to these DIGITAL WALLET TERMS & CONDITIONS by you the cardholder and by any authorized user of any eligible debit, credit, or prepaid card issued by Citizens Tri-County Bank.
You represent that you are the legal owner of the account(s) and other financial information which may be accessed via the Wallet. You represent and agree that all information you provide to us in connection with the Wallet is accurate and that you have the right to provide such information to us for the purpose of using the Wallet. You agree to keep your account information current and confidential. You represent that you are an authorized user of the Device you will use to access the Wallet, and acknowledge and agree to these DIGITAL WALLET TERMS & CONDITIONS as an authorized user of the Device you will use to access the Wallet.
These electronic DIGITAL WALLET TERMS & CONDITIONS are also available to you in hard-copy by contacting us at 15699 Rankin Ave N, PO Box 697, Dunlap, TN 37327 or at 423-949-2173. You understand that your use of your Wallet is also subject to agreements or terms of use with any providers of electronic payment systems on your Device.
THE WALLET & CITIZENS TRI-COUNTY BANK
The Wallet is a service offered exclusively by providers of digital wallets or an electronic payment system for Devices and we do not own, operate, or control the Wallet. We are not responsible for nor warrant any service provided to you by providers of digital wallets or an electronic payment systems or by any third party engaged by providers of digital wallets or electronic payment systems. We are not responsible for any information, function, claims, losses, damages, costs, inconvenience, expenses, or other services with respect to or provided to you by providers of digital wallets or electronic payment systems, or any other third parties associated with the Wallet. We are not responsible or liable for any failure or performance of the Wallet or any other third parties associated with the Wallet.
THE WALLET & MERCHANTS
We are not responsible or liable for any loss or damage between you and any offers of discounts, deliveries, returns, rebates, warranties, or any other benefits from merchants. We do no endorse any products or services of merchants when using a Wallet.
The Wallet may not be accepted at all places where your Card is accepted.
TERMS AND AGREEMENTS THAT GOVERN YOUR CARD
The terms and account agreement that govern your Card do not change when you add your Card to the Wallet. The Wallet simply provides another way for you to make purchases with a Card. Any applicable fees and charges that apply to your Card will also apply when you use the Wallet to access your Card. Any transaction you make with your enrolled Card using the Wallet will be considered the same as if you had used your Card in person to conduct the transaction and all applicable fees, and interest the event of an enrolled credit card, will apply per the terms of your cardholder agreement with us.
FEES
Please review your account agreements and disclosures for any fees associated with your account or your Card. We currently do not change a fee for using your Card through a Wallet but reserve our right to charge one in the future. The Wallet provider and other third parties such as wireless companies or data service providers may charge you fees.
ENROLLMENT IN THE WALLET
If you want to add a Card to the Wallet, you agree to follow the procedures adopted by the providers of the Wallet and electronic payment systems, and any further procedures we adopt. We may not add a Card to the Wallet if we cannot authenticate the Card, if we otherwise suspect that there may be fraud associated with the Card, or if there are not sufficient funds in the account or which the Card is made available. The Wallet allows you to make purchases using an added Card wherever the Wallet is accepted.
CANCELING, BLOCKING, OR SUSPENDING YOUR CARD
We can cancel, block, or suspend, your Card or you from using the Wallet. We also can block or suspend you from adding a Card to your Wallet, or ability to make purchases using your Wallet. These actions can occur at any time and for any reason, but typically, for example, if we suspect fraud or other illegal activity or if you have a negative balance on your Card account.
We reserve the right whether to add a Card to the Wallet at any time and for any reason. We will not authenticate the Card or if we otherwise suspect that there may be fraud associated with the Card. The Wallet allows you to make purchases using an added Card wherever the Wallet is accepted.
TERMINATION / CHANGE / ADDING OF TERMS
We can terminate, change, or add to these DIGITAL WALLET TERMS & CONDITIONS at any time. We will provide notice if required by law or our agreements with you. You must remove your Card from the Wallet if you do not accept any changes to these DIGITAL WALLET TERMS & CONDITIONS. You agree to any change to these DIGITAL WALLET TERMS & CONDITIONS by the continued use of the Wallet.
You cannot change these terms, but you can terminate these DIGITAL WALLET TERMS & CONDITIONS at any time by removing all Cards from the Wallet. We can also assign these DIGITAL WALLET TERMS & CONDITIONS. You may not assign these DIGITAL WALLET TERMS & CONDITIONS.
REMOVING THE WALLET
You should contact the Wallet provider on how to remove a Card from the Wallet.
REPORT LOST OR STOLEN DEVICES OR PAYMENT CARDS
If you enroll your Card and your Device is lost or stolen, or you have reason to believe that your Device has been compromised, including that of your fingerprint reader, face reader, PIN, user IDs, device passwords/passcodes, or any other security means or methods, you agree to contact us immediately so that we can take action to disable your Card for use within the Wallet. Because your Device can be used like a Card to make purchases, you must notify us in the event your Device is lost or stolen as if your actual Card is lost or stolen. If you fail to notify us, you may be liable for all or a portion of the losses associated with unauthorized use of your Card whether that use was through the Wallet or not. We will resolve any potential error or fraudulent purchase in accordance with the account agreement, disclosures, as otherwise provided by law. We will not be liable for any losses you incur except as specifically described in the account agreements, disclosures, Card disclosures, or as otherwise provided by law.
If you believe that your Device has been compromised or that someone has transferred or may transfer money from your account or accounts without your permission, call: 423-949-2173 or write: Citizens Tri-County Bank Internet Banking, 1569 Rankin Avenue, Dunlap, TN 37327.
CONFIDENTIALITY
You are solely responsible for maintaining the confidentiality of your fingerprint reader, face reader, PIN, user IDs, device passwords/passcodes, or any other security means or methods that you may use to securely access your Wallet on your Device. If you share these credentials with anyone or you authorize anyone to use your Wallet, that person may be able to use your Wallet to make purchases or obtain access to your personal and payment information available through the Wallet; further, you will be responsible for all transactions made by that person you authorized to use your Wallet. You agree to safeguard your Device at all times.
INDEMNIFICATION
Your agree to indemnify, defend and hold harmless Citizens Tri-County Bank and its officers, employees, directors, suppliers and agents, in their individual capacities or otherwise, from and against any losses arising out of: (i) your negligence; (ii) your failure to comply with applicable law; or (iii) your failure to comply with the terms of this DIGITAL WALLET TERMS & CONDITIONS.
SEVERABILITY
If there is a conflict between the terms and conditions of this DIGITAL WALLET TERMS & CONDITIONS and one or more terms contained in another agreement between you and us, this DIGITAL WALLET TERMS & CONDITIONS will control.
WAIVER
We shall not, by the mere lapse of time, without giving notice or taking other action, be deemed to have waived any of our rights under this DIGITAL WALLET TERMS & CONDITIONS. No waiver by us of a breach of this DIGITAL WALLET TERMS & CONDITIONS shall constitute a waiver of any prior or subsequent breach of this DIGITAL WALLET TERMS & CONDITIONS. We shall not be deemed to have waived any of out rights or remedies hereunder unless such waiver is in writing and signed by us. No delay or omission on our part 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.
NOTICES
We can provide notices to you concerning these DIGITAL WALLET TERMS & CONDITIONS and your use of the Card in the Wallet by posting the material on our website, through electronic notice given to any electronic mailbox we maintain for you, or to any other email address or telephone number you provide to us, or by contacting you at the current address we have on file for you. You may contact us at: 423-949-2173 or write us at Citizens Tri-County Bank Internet Banking, 1569 Rankin Avenue, Dunlap, TN 37327.
ILLEGAL ACTIVITY
You agree not to use your Wallet to engage in activities deemed illegal by federal and/or state laws, including but not limited to Internet gambling. If you use your Wallet to engage in certain activities deemed illegal by federal and/or state laws, you understand that you will nevertheless be liable for any authorized transactions made by the use of the Wallet.
APPLICABLE LAW
These DIGITAL WALLET TERMS & CONDITIONS are governed by federal law and, to the extent that state law applies, the laws of the state that apply to the agreement under which your Card is covered. Disputes arising out of or relating to these DIGITAL WALLET TERMS & CONDITIONS will be subject to any dispute resolution procedures in your Card agreements or disclosures.
Frequently Asked Questions
What is MyCardRules?
MyCardRules is an easy-to-use and is now embedded in you CTCB Mobile app. It lets you set card controls, add restrictions and receive transaction alerts.
How does MyCardRules let me manage my cards?
Just download the CTCB Mobile app from Google Play™ or the App Store®. Then you can set a wide range of controls and alerts on all your cards. For example, you can:
- Turn your card on or off
- Set transaction spending limits based on your preferences, including dollar amount, transaction type and merchant type
- Get instant alerts on certain types of transactions, like when a transaction is declined
- Set a specific region where the card can be used or restrict usage based on your mobile device’s location
- Set parental controls and monitoring
Alerts will show up just like any other notifications you get on your mobile device.
Why is it a better way to manage my cards?
Because you can manage your card transactions all in one place, right from your mobile device. You have complete control of how, when, where — and WHO uses your cards.
Plus, knowing that you’ve set rules, restrictions and alerts that meet your specific spending preferences adds another layer of fraud detection and prevention, and gives you added peace of mind.
Is it secure?
Yes, managing your cards in CTCB Mobile app is safe and secure. Your account is password protected and highly encrypted.
How do I get started?
After you download the CTCB Mobile app, select “New User” and then enter your card information to begin registration.
You'll need to provide:
- Card Number
- Expiration Date
- Security Code (usually on the back of your card)
Next, you’ll create a username and password.
Once your account is created, you can log in and access the “Card Details” screen.
From this screen you can:
- Turn card controls on/off
- Set controls
- Manage alert preferences
- View recent transactions and more
Mortgage Products & Your Choice
We appreciate your interest in a mortgage loan with us. We would like to explain some terms and the major features of our two basic products we offer to help in your choice.
First, we take loan applications on mortgage loans in which we make the loan decisions, originate in our name, and you make payments to us. Sometimes, you will hear a lender reference these loans as “in-house” mortgages. Secondly, we also take mortgage loan applications in which we sell to other lenders or mortgage-related companies, usually soon after the loan is closed, to whom you will make your mortgage payments. Sometimes you will hear lenders refer to these loans as “secondary market loans,” because these loans are eventually sold or transferred by lenders in a financial marketplace of mortgages. Even if your loan is sold in the future, or you make your payment to a different lender, the terms of your loan terms cannot change from the original contract (“Note”).
Your choice of mortgage products and your decision should be dictated on what features suit your needs and financial circumstances, and on which loans you can afford and qualify. Your consideration might include issues such as how much payment can you afford, how much a down-payment will and loan closing costs be, or how long you intend to own the property.
Although our lenders cannot make the decision for you, they will help explain the types of loans available to you for your decision.
Other than the rates and fees of these two mortgage types, below are the basic features of both types of loans and how they compare or contrast. Please do not hesitate to ask us any questions about the features of our loans and services to help you in your choice.
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Loans Originated “In-House” |
Loans Sold To Other Lenders Or Mortgage-Related Companies |
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● The Bank makes the decision to approve your loan application.
● You make your payments to the Bank.
● Adjustable rate mortgages are typically offered by the Bank. Adjustable rate mortgages are loans in which the interest rate will not change for a set period of time, 1 to 5 years for instance, and then the interest rate and payment can change periodically, again every 1 to 5 years for instance. Any periodic change in the interest rate and payment will be based on a margin plus an index that is typically The Wall Street Journal's "Prime Rate." These loans have rate caps for each period and over the life of the loan to avoid large jumps in payment. We can provide documents that explain any adjustable rate mortgage we offer of which you have an interest. Fixed interest rates may be offered from time to time, more often in the form of a “balloon” mortgage loan. This is typically a relatively short-term loan, such as 5 to 7 years, in which the payments are based on a long-term amortization so they are more affordable (payments based on a term, for instance, of 10 year to 20 years). The term “amortization” basically means paying off a debt in regular installments over a period of time. At the end of a "balloon" mortgage's term, the loan balance must be paid, of which you would likely need to seek additional financing if you could not pay the balance of the loan from your personal funds.
● The ratio of the loan amount to the value of the property being used a collateral is not as high as on loans sold to investors or banks.
● There is no private mortgage insurance or cost involved that partially insures lenders for default of loan payments with a high ratio of loan amount compared to the value of the property.
● Amounts will be added to your payment to pay for annual charges of insurance and taxes on the property, termed “escrowing” funds, on first mortgage loans. |
● The decision to approve the loan application is undertaken by the lender or mortgage-related company to whom the loan will be sold. You make your payments to another institution.
● Mortgages are available in which interest rates are fixed and do not change, with monthly payments from, for instance 5 to 30 years that do not “balloon.” Adjustable rate mortgages are also offered with longer terms than “in house” loans. Adjustable rate mortgages are offered in which the interest rate will not change for a set period of time, 1 to 5 years for instance, and then the interest rate and payment can change periodically, again every 1 to 5 years for instance. Any periodic change in the interest rate and payment will be based on a margin plus an index, typically based on changes in Treasury Bill rates. These loans have rate caps for each period and over the life of the loan to avoid large jumps in payment. We can provide documents that explain any adjustable rate mortgage we offer of which you have an interest.
● There might be a minimum loan amount.
● The ratio of the loan amount to the value of the property being used as collateral can be higher than “in-house” mortgage loans.
● Private mortgage insurance is often required involving loans with a high ratio of the loan amount compared to the value of the property, usually if that ratio is over 80%. This type of insurance doesn't insure you, but insures the lender incase there is a default on the loan. Government-sponsored loans might also include mortgage insurance payments or fees.
● Amounts will be added, or “escrowed,” to the payment to pay for annual charges of insurance and taxes on the property, plus private mortgage insurance if applicable.
● There are often various interest rates from which to choose, sometimes based on an amount of “discount points” an applicant may wish to pay for a lower rate (an additional fee based on percentage of the loan).
● Interest rates can be “locked” for a period of time to avoid any potential increases during the application process, usually for or fee but is sometimes reimbursed if the loan is closed within the period of the “lock.” |
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