Is an agreement required by the customer if they are choosing to use Internet Banking? Would this be a best practice?

Any help out there?

Our system requires the customer (consumers) to accept the disclosure before applying for IB. Commercial customers - well non-consumer customers actually - are required to complete a separate Commercial Internet Banking agreement just to let them know that anyone they give the login and passcode to (office manager, treasurer, etc.) is acting for the entity and we have no liability for transactions performed by someone with the login credientials; we assumed anything performed with the login/passcode is authorized. It lets them know their responsibilities and also that our liability is very limited.