Online Banking and Bill Pay

Personal Banking at Your Fingertips

Baytree is in the business of making banking easy for you—that’s why we offer online banking, so you can access your accounts from anywhere there’s an Internet signal, 24 hours a day, seven days a week. It’s one way for us to make banking simpler and more enjoyable for you. Plus, it also means you’ll have more time to fill your life with the things you want to be doing.

Give us a call or stop by the bank to get set up with an online login ID and password. Our personal bankers will be happy to help make your banking process a little better.

Contact Baytree representative

Internet Banking Agreement & Disclosure:

This Agreement describes your rights and obligations as a user of Baytree Online Banking and the rights and obligations of Baytree National Bank & Trust Co.


Online Banking is the internet-based service providing access to your account(s) under the terms set forth in this agreement.

Online Account means any Baytree National Bank & Trust Co. account which you will access using Online Banking.

Password is the code assigned to you by Baytree National Bank for use during the initial sign-on, or the code you select after the initial sign-on, that establishes your connection to Online Banking.


Online Banking is available 24 hours a day, seven days a week, except during special maintenance periods or any unforeseen circumstance. For purposes of transactions, Baytree National Bank’s business days are Monday through Friday, excluding holidays as determined by Baytree National Bank. All Online Banking transaction requests received after 4:00 p.m. on business days, and all transactions, which are requested on Saturdays, Sundays, or holidays will be processed on the next business day. Baytree National Bank’s business day begins at 8:30 a.m. Central Time.

Use Of Your Security Password:

Baytree National Bank will provide you with a Password for use during the initial login, after which you are required to change your Password for security purposes. You determine what Password you will use and the identity of your Password is not communicated to us. You agree that we are authorized to act on instructions received under your Password. You agree not to allow anyone to gain access to the Online Banking or to let anyone know your Password. After three (3) unsuccessful attempts at authorization to use the system, you must contact us to have your Password reset or to obtain a new temporary Password. You agree to assume responsibility for all transactions up to the limits allowed by applicable law.

Liability For Unauthorized Use:

Telephone us at once at (877) 936-2265 or write us at the address shown in this Agreement if you believe your Password has been lost or stolen. If you tell us within 2 business days, you can lose no more than $50 if someone uses your Password without your permission. If you fail to tell us within 2 business days after you learn of the loss or theft of your Password and we can prove that we could have stopped someone from using your Password without your permission if you had told us, then you could lose as much as $500. Additionally, if your periodic statement shows transfers that you didn't make, you will tell us at once; if you fail to tell us within 60 days after we mail you the periodic statement, you could lose the entire Account balance if we can prove we could have stopped someone from taking your money if you had given us notice in time. If a valid reason (such as a long trip or hospital stay) keeps you from giving us notice, we will extend the time periods. For security reasons, Passwords will never be provided over the telephone or via email, but will be given in person or be mailed to the account holder on file.


Baytree National Bank’s Online Banking will allow customers to conduct the following transactions:

  1. Account inquiries, balances, rates, etc.
  2. Account transfers
  3. View detailed transactions
  4. Payments to loan accounts
  5. Transaction downloads to Quicken, Money, etc.

Please note that Federal regulations prohibit you from making more than six (6) pre-authorized or automatic transfers or bill payments from your money market account during a given monthly statement period. There are no limits to the number of transfers or payments from your checking account.


You will continue to receive your regular account statement either monthly or quarterly, depending on the type of account.


If you have any questions or comments regarding Baytree National Bank’s Online Banking, please call us at 847-234-8484 during business hours, or email us at

Limit Of Baytree National Bank Responsibility:

Baytree National Bank agrees to make reasonable efforts to ensure full performance of our Online Banking. We will be responsible for acting only on those instructions sent through our Online Banking, which are actually received, and cannot assume responsibility for malfunctions in communication facilities not under our control, which may affect the accuracy or timeliness of messages you send. Baytree National Bank is not responsible for any losses should you give incorrect instructions, or if your instructions are not given sufficiently in advance to allow for timely payment.

Any information you receive from Baytree National Bank is believed to be reliable. However, it can only be provided on a best-efforts basis for your convenience and is not guaranteed. Baytree National Bank is not liable for any deficiencies in the accuracy, completeness, availability, or timeliness of such information, or for any investment or other decision made using this information.

Baytree National Bank will not be responsible for any computer virus, or related problems, which may be attributable to services provided by any Access Service Provider.

You are responsible for obtaining, installing, maintaining, and operating all computer hardware and software necessary for performing Online Banking functions. Baytree National Bank will not be responsible for any errors or failures from the malfunction or failure of your hardware or software. The limit of Baytree National Bank liability shall be as expressly set forth herein. Under no circumstances will Baytree National Bank be liable in contract, tort, or otherwise for any special, incidental, or consequential damages, whether or not foreseeable. By consenting to use the Online Banking, you agree to waive any and all right to any of the aforesaid, and you acknowledge that the limit of your remedy is as otherwise expressly set forth herein.

Baytree National Bank’s Responsibility To Our Customers:

Baytree National Bank will be responsible for your actual losses if they are directly caused by our failure to:

  • Complete an Electronic Funds Transfer as properly requested
  • Cancel an Electronic Funds Transfer as properly requested

However, we will not be responsible for your losses if:

  • Through no fault of Baytree National Bank, you do not have enough funds in your account to make the transfer
  • Through no fault of Baytree National Bank, the transaction would have caused you to exceed your available credit
  • Circumstances beyond our control (e.g., fire, flood, power outage, equipment or technical failure or breakdown) prevent the transfer, despite reasonable precautions that we have taken
  • There is a hold on your account, or if access to your account is blocked in accordance with banking policy
  • Your funds are subject to legal process or other encumbrance restricting the transfer
  • Your transfer authorization terminates by operation of law
  • You believe someone has accessed your accounts without your permission and you fail to notify us immediately
  • You have not properly followed the scheduling instructions on how to make a transfer included in this Agreement
  • We have received incomplete or inaccurate information from you regarding the account or transfer
  • We have a reasonable basis for believing that unauthorized use of your Password or account has occurred or may be occurring, or if you default under this Agreement, the Deposit Account Agreement, a credit agreement, or any other agreement with us, or if we or you terminate this Agreement.

There may be other exceptions stated in this Agreement and in other agreements with you. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer, and we will not be liable for any incidental or consequential damages. If any of the circumstances listed above shall occur, we shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incorrect transactions that have been processed.

In Case Of Errors Or If You Have Questions About Electronic Transfers:

Telephone us at (877) 936-2265 or write us at 664 N. Western Avenue, Lake Forest, Illinois 60045 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than 60 days after we send you the first statement on which the problem or error appeared. Tell us (a) your name and Account number; and (b) the dollar amount of the suspected error. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe there is an error or why you need more information. We will determine whether an error occurred within 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 45 days to investigate your complaint or question. If we decide to do this, we will credit your Account within 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 we do not receive it within 10 business days, we may not credit your Account. We will tell you the results within three 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. If we have credited your Account with funds while investigating an error, we will charge your Account for those funds if we conclude no error has occurred. In this provision, all references to 10 business days will be 20 business days if your notice of error involves an electronic fund transfer that occurred within 30 days after the first deposit to your account was made and all references to 45 business days will be 90 business days if your notice of error involves an electronic fund transfer that: (a) was not initiated within a state; (b) resulted from a point-of-sale debit card transaction; or (c) occurred within 30 days after the first deposit to your Account was made.

Disclosure Of Account Information:

We may disclose information to third parties about your Account or transfers you make: (1) when it is necessary to complete an electronic transaction, or (2) in order to verify the existence and conditions of your Account for a third party such as a credit bureau or merchant, or (3) in order to comply with a government agency or court order, or any legal process, or (4) if you give us written permission.

Modifications To This Agreement:

Baytree National Bank may modify the terms and conditions applicable to the Service from time to time upon mailing or delivering a notice of the modifications to you at the address shown on your account records, and the revised terms and conditions shall be effective at the earliest date allowed by applicable law. We reserve the right to terminate this Agreement and your use of the Services in whole or in part at any time without prior notice.

Inactivity / Termination:

You are responsible for complying with all the terms of this Agreement and with the terms of the agreement governing the deposit accounts which you access using electronic banking services. We can terminate your Online Banking privileges under this Agreement without prior notice to you for any reason; or if you do not pay any fee required by this Agreement when due; if you do not comply with the Agreement governing your deposit or loan accounts, or your accounts are not maintained in good standing. We will promptly notify you if we terminate this Agreement or your use of the services for any other reason.

We may convert your access to Online Banking to inactive status if you do not sign on to the Service or have any transaction scheduled through the Service during any consecutive (90) ninety day period. If your Service is considered inactive, you must contact us to have the Service activated before you will be able to gain further access.

To cancel Online Banking, you must notify Baytree National Bank and provide your name and effective date to stop the service. You may notify us by calling us at 847-234-8484 during business hours or by writing a letter and sending it to:

Baytree National Bank & Trust Co.
664 N. Western Avenue
Lake Forest, IL 60045

Fees And Charges:

We may charge the following fees and charges associated with your Account:

Stop payment - $25.00
Insufficient funds - $25.00 and $5.00 per day for the account being in a negative balance

Governing Law:

This Agreement is governed by the laws of the State of Illinois and applicable federal law.