Terms of Service for Guest Loan Payments ("Pay My Loan")

By using the guest loan payment service (“Pay My Loan”), you agree to the following terms and conditions. Please read them carefully before proceeding.

1. Service Description
This service allows you to make a one-time loan payment to The Citizens National Bank of Quitman (“the Bank”) without logging into an online banking account. You will be required to provide identifying loan information and a valid payment method. This service is intended for borrowers who wish to make a payment without establishing or accessing an online banking profile.

2. Authorization
By submitting a payment through this portal, you authorize the Bank to initiate a one-time debit from your selected payment method in the amount you specify. You certify that you are an authorized user of the payment account or card being used.

This is a one-time payment authorization. Your payment credentials will not be stored or used for future payments unless explicitly authorized by you through another channel.

You acknowledge that The Citizens National Bank of Quitman is not responsible for any fees or penalties incurred due to insufficient funds, inaccurate information, or processing delays outside of our control.

3. Payment Processing Cutoff
Payments submitted by 4:00 PM Eastern Time (ET) on a business day (Monday through Friday) will be credited as of that date. Payments submitted after 4:00 PM ET, on weekends, or on federal holidays will be credited on the next business day.

Please note that your financial institution may take additional time to post the transaction.

4. Fees
A non-refundable convenience fee of $5.00 may be charged for using this service. This fee will be disclosed before you complete the transaction.

You may avoid this fee by setting up recurring payments or by visiting a branch.

5. Returned Payments
You are responsible for ensuring that sufficient funds are available in your payment account. Returned or declined payments may result in late fees, returned payment fees, or other penalties as outlined in your loan agreement and with your financial institution.

Returned payments may also affect the status of your loan account.

6. Privacy and Security
All information provided through this portal is encrypted and handled in accordance with our Privacy Policy, which can be found on the home page of our website. We do not store your full payment method information after the transaction is completed.

7. Limitations
This service is intended solely for making one-time loan payments. To access additional account features such as payment history, statements, or loan details, please log into your secure online banking account or contact us directly.

This service may be temporarily unavailable during scheduled maintenance or technical disruptions. The Bank is not liable for any damages resulting from service interruptions.

8. Consent to Electronic Communications
By using this service, you consent to receive payment confirmations and related communications electronically. You agree to receive disclosures, notices, and confirmations related to this transaction electronically and acknowledge that you have the ability to access and retain such communications.

If you prefer to receive paper copies of these communications, or if you withdraw your consent to electronic delivery, please contact us before using this service. You may print or save a copy of these Terms for your records.

9. Changes to Terms
The Bank reserves the right to modify or update these Terms of Service at any time without prior notice. Your continued use of the Pay My Loan service constitutes acceptance of any such changes.

10. Contact Information
If you have questions about your payment, need assistance, or wish to report an unauthorized transaction or payment error, please contact us:

Phone: 229.263.7575
Email: customersupport@cnbquitman.com

If you require assistance accessing or using this service due to a disability, please contact us for alternative options.