General Terms Applicable to Bill Payment and Transfer Services

Size: px
Start display at page:

Download "General Terms Applicable to Bill Payment and Transfer Services"

Transcription

1 Please read this document carefully and print a copy for your reference. You may refer back to it at any time on this website. General Terms Applicable to Bill Payment and Transfer Services Your use of (or allowing another to use) the HSA accountholder Website (the "Site") to issue Instructions to us to: (1) make Payments (the "Bill Payment Service"), or (2) transfer money ( funds ) between your Health Savings Account ( HSA ) and an Account (as defined below) (the "Transfer Service"), means that you agree to the terms and conditions set forth in this agreement ("Agreement"). The Bill Payment Service and the Transfer Service shall be referred to collectively as the "Bill Payment and Transfer Service". You agree that you will not use this service for International ACH Transactions, which are prohibited under this Agreement. The addresses, telephone numbers, and other information, rights and responsibilities contained in this Agreement are limited to Bill Payment and Transfer Service related activities. To use the Bill Payment Service you must have an active HSA with us. To use the Transfer Service you must have an active HSA with us and at least one eligible Account to/from which you may Transfer funds. The following basic features and functions are available to you and may be performed by you when you use the Bill Payment and Transfer Service: Make Payments from your HSA to selected Payees of your choice located within the United States and its territories (certain Payments are excluded as set forth herein) through the Bill Payment Service. Transfer funds from your Account to your HSA through the Transfer Service. Transfer funds to your Account from your HSA through the Transfer Service. Note: Any Transfer made from a savings account is a restricted Transfer subject to certain limitations. Please refer to your applicable deposit account agreement for full details of such limitations. Note: We reserve the right to limit Transfer eligibility to certain types of accounts and to change such eligibility from time-to-time. In the event of a conflict between the terms of this Agreement and the terms and conditions relating to your HSA with us, this Agreement shall control with respect to the subject matter hereof. Definitions As used in this Agreement, the following terms have the meaning set forth below. "Account" means checking and savings accounts (whether held by JPMorgan Chase Bank, N.A. or held by institutions other than us) that you registered for the Transfer Service. You must be the account holder of the Account or an authorized person with respect to the Account. For purposes of the Transfer Service, any Accounts which you may have with JPMorgan Chase Bank, N.A. (other than the HSA) are considered to be held with a third party. The Account must be located in the United States. "Business Day" refers to Monday through Friday, excluding federal holidays. "Cancelled" means when a Payment or Transfer will neither be processed nor sent for any reason. "Completed" means, with respect to the Transfer Service, we have sent a request to Transfer funds to/from the financial institution holding your Account and the financial institution has not rejected our request to Transfer funds on your behalf within the time established by banking institutions. It does not mean funds have necessarily been received into or distributed from your HSA. OBP_EFT_TANDC 1 of 8

2 "Cutoff Time" means 6:00 PM Eastern Time on any Business Day for Payments and 5:00 PM Eastern Time on any Business Day for Transfers. It is the time by which we must receive Instructions to have them considered entered on that particular Business Day. "Delivery Method" means the way your Payment is transmitted to your Payee (i.e., either electronically or via paper check). "Draft" means checks, or other negotiable instruments or items prepared by us or our agents and issued pursuant to your Instructions under the terms of the Bill Payment Service. "Estimated Delivery Date" means the approximate date that the Payment may be delivered to your Payee. Funds may actually arrive at the Payee (and be deducted from the HSA) before or after this date. "Estimated Processing Days" means the average number of days it takes to process, mail and deliver the Payment to the Payee; generally it takes 7 Business Days for paper Payments and typically 2 Business Days for electronic Payments. "Failed" means when a Payment will not be delivered or a Transfer will not be made (in the case of a Transfer from your Account to your HSA, this occurs when the financial institution holding your Account notifies us that your attempted transfer could not be completed). "In Process" means that a Payment or Transfer cannot be changed or Cancelled. "Instructions" means the information provided by you to us for or with respect to a Payment or Transfer. "Paid" means a paper check sent to your Payee on your behalf has cleared or the Payee's bank has not rejected or returned an electronic Payment remitted on your behalf within its allowable time period to return or reject a Payment. "Payee" means the merchant or other person or entity to whom you designate a Payment to be directed. "Payment" means any Instructions to pay a Payee on your behalf via the Bill Payment Service and/or Instructions which have been processed through the Bill Payment Service, as the context requires. "Pending" means any Instruction that you have ordered to be made which has not been Cancelled by you before the Cutoff Time on the Process Date or Transfer Date, as applicable. All Payments and Transfers are Pending starting from the time you enter Instructions until the respective items are In Process. "Process Date" means the date we will initiate the Payment Instructions. In most cases, this is the same date that we will withdraw or charge funds from your HSA. "Reference Number" means the unique number that we send in response to your Instructions to confirm that your Instructions have been received by us. "Rejected" means a Payment that did not pass the Payment validation process or the Transfer to could not be processed by ACH. "Repeating" means automatic recurring Payments to the same Payee or repeating Transfers from your Account to your HSA, in each case for the same amount which you authorize for transmission. If a repeating Payment occurs on a non-business Day, then the Payment will be initiated on the previous Business Day. If a repeating Transfer occurs on a non-business Day, then the Transfer will be initiated on the next Business Day. "Resubmitted" means that an electronic Payment has encountered delivery errors and has been submitted on your behalf as a paper check Payment. Please note that Resubmitted Payments may be delivered later than the original Estimated Delivery Date; you may wish to contact your Payee(s) and inform them of the delay. "Returned" means an electronic Payment that was returned by your Payee and not Paid or a Transfer through the Transfer Service was not processed by the institution that holds your Account. Reasons why Payments or Transfers are returned can include, for example: the information you submitted does not match what your Payee or financial institution has on file, the HSA or Account (as applicable) to which you OBP_EFT_TANDC 2 of 8

3 instructed us to schedule this Payment or Transfer has been frozen, closed or does not exist or your Payee refused the Payment. "Reversed" means that the Payee has accepted our request to stop an electronic Payment on your behalf. Funds will be returned to your HSA; a fee will apply. "Stopped" means a check Payment was successfully stopped as per your request. The original Payment amount has been returned to your HSA; a fee will apply. "Transfer" means any Instructions that have been processed through the Transfer Service. "Transfer Date" means the day on which your Transfer request is initiated. Transaction History/Statements All of your Payments and Transfers made through the Bill Payment and Transfer Service will appear on the HSA transaction activity located on the Site or, if applicable, on paper statements for your HSA. Disclosure of Account Information to Third Parties We may disclose information to third parties about your HSA or the Payments and Transfers you make: 1. as necessary to complete transactions. 2. in connection with the investigation of any claim you initiate. 3. to comply with government agency or court orders. 4. in accordance with your written permission. 5. as otherwise permitted by the terms of our privacy policy. Our privacy policy, which includes details about our information sharing practices, was provided to you when you opened your HSA. It can be viewed by clicking on the "Privacy/Security" link on any of our website pages. Cancellation of Your Bill Payment Service You can cancel the Bill Payment Service via the Site or by calling the number on the back of your HSA debit card. When you call us, we may also require you to put your request in writing. All Pending Payments will automatically be cancelled upon submission of your request to cancel the Bill Payment Service. When you cancel the Bill Payment Service, you will no longer be able to access any of your Bill Payment Service features, including without limitation, Payee and prior Payment information and you will be responsible for paying your bills by other means. You will not receive a refund of any service fee if your Bill Payment Service is cancelled. Such notice will serve to cancel your Bill Payment Service only, not your HSA relationship with us. If you close your HSA, it will automatically cancel your Bill Payment Service. Suspension of Your Bill Payment Service We may suspend your Bill Payment Service in our sole discretion. Suspension of your Bill Payment Service / Outbound Transfers will automatically cancel any pending Payments for each day that the Bill Payment Service is suspended. You will be able to access and view your Bill Payment Service functionality, but will not be able to perform any actions such as add, edit, or delete Payees, schedule, edit or cancel Payments. Only we will be able to reactivate your suspended Bill Payment Service. OBP_EFT_TANDC 3 of 8

4 Cutoff Times All Cutoff Times referenced in this Agreement reflect the times displayed on our internal system clocks and may not necessarily be synchronized with the internal clock displayed on your computer. For this reason, we suggest that you transmit any Instructions to us sufficiently in advance of such Cutoff Times to eliminate the possibility of missing the cutoff. Instructions entered after the Cutoff Time or on non-business Days will be considered entered in the Bill Payment and Transfer Service on the next Business Day. Transfer Service To use the Transfer Service you must maintain at least one eligible HSA with us and at least one Account, between which you may Transfer funds. Transfers to your Account may be made in amounts of up to $ per transaction. The minimum Transfer amount allowed through the Transfer Service is $1.00. The maximum total dollar amount of all Transfers from is $99, in the aggregate attributable to any Business Day. We may modify these amounts from time to time without notice to you. You authorize us to charge your HSA with us for all Transfers of funds that you initiate through the Transfer Service and you agree to have sufficient funds to cover each such Transfer you schedule and any fees that might be associated with such Transfer. We will not be obligated to make any Transfer you may request unless there are sufficient available funds in your HSA with us or your Account to cover the Transfer. If sufficient funds are not available we will not retry the transaction and the Transfer will be immediately rejected. Transfers to an Account will be deducted from your HSA with us on the calendar date initiated. Transfers from Accounts are subject to the processing times of the financial institution holding your Account. Instructions for Transfers that we receive by the Cutoff Time on a Business Day will be sent to the holder of your Account on the same day for processing. Transfer Instructions relating to Accounts and the transmission and issuance of data related to such Instructions shall be received pursuant to the terms of this Agreement and the rules of the National Automated Clearing House Association ("NACHA") and the applicable automated clearing house ("Regional ACH") (collectively, the "Rules") and you and we agree to be bound by such Rules as in effect from time-to-time. In accordance with such Rules, any credit to your HSA held by us or your Account shall be provisional until such credit has been finally settled by us or the institution which holds your Account. You acknowledge that you have received notice of this requirement and of the fact that if we do not receive final settlement for a Transfer for any reason, we shall charge back the amount of such Transfer to your HSA with us or the Account (as applicable) or any other of your accounts or claim a refund from you. Please note: While JPMorgan Chase Bank, N.A. may be the custodian of your HSA (or may hold the HSA on behalf of your HSA custodian or trustee), for purposes of this Transfer Service, any Accounts which you may otherwise have with JPMorgan Chase Bank, N.A. are considered to be held with a third party. Bill Payment Service Description of Service: As a Bill Payment Service subscriber, you can arrange, at your option, for the payment of bills from your HSA. You can only select Payees located within the United States and its territories to pay using the Bill Payment Service, subject to our and the Payee's approval with the following exceptions: you agree not to use the Bill Payment Service to pay Payees to whom you are obligated for tax payments, payments made pursuant to court orders, fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law. The minimum Payment allowed through the Bill Payment Service is $1.00. The maximum total OBP_EFT_TANDC 4 of 8

5 dollar amount of all Payments is $99, in the aggregate attributable to any Business Day. To use the Bill Payment Service you must provide sufficient information online to us to properly identify your Payees, direct your Payment and permit the Payee to identify you as the Payment source upon receipt of a Payment. You must complete all required fields with accurate information. By providing us with the names and account information of those Payees to whom you wish us to direct Payments, you authorize us to follow the Instructions that we receive through the Bill Payment Service. When we receive a Payment Instruction, we will send funds to the Payee on your behalf, from the funds in your HSA. You authorize us to charge your HSA for all Payments authorized through the Bill Payment Service. We and any agent used by us in connection with the Bill Payment Service is authorized to prepare Drafts drawn on your HSA and/or electronically debit your HSA for the purpose of making Payments. We are authorized to accept any Draft drawn on the HSA on presentment and charge the HSA even though it does not bear your signature where such Draft has been issued as part of the Bill Payment Service. Such Drafts may originate from us or any financial institution in the United States used by us or any of our agents. WE SHALL NOT BE RESPONSIBLE FOR ANY CHARGES IMPOSED, OR ANY OTHER ACTION, BY A PAYEE RESULTING FROM A LATE PAYMENT, INCLUDING ANY APPLICABLE FINANCE CHARGES AND/OR LATE FEES UNLESS WE CAUSE PROCESSING DELAYS THAT CAUSE YOUR PAYMENT TO BE LATE. [Is this in addition to the liability provision on page 6?] Your responsibilities: You agree to have sufficient available funds in the HSA on the Process Date for Payments you schedule. We will not be obligated to follow any Instructions unless and until there are sufficient available funds in your HSA. If there are insufficient available funds to cover a Payment, we will not retry the Payment and it will be immediately rejected. A status of "Failed" will appear online and a fee will be assessed. Because your Payment Instructions are transmitted to us on your computer, the Payment will not be sent to your Payee with the Payee's Payment stub. Payments received without the Payment stub are sometimes processed at a different location. Some Payees may take longer to post the Payment to your HSA if the Payment stub is not included with the Payment, although federal regulations may limit certain creditors (such as credit card issuers) to a period of up to five (5) days. For this reason, we recommend that you contact your Payees to ensure that you have the right address and that you schedule Payments in sufficient time to allow for your Payment to be sent to your Payee and the Payment to be posted. Delivery Method: We remit two types of Payments on your behalf to your Payees - electronic and paper check. If your Payee is capable of receiving Payments electronically, we make every effort to transmit your Payment electronically so that Payments are received by the Payee as quickly as possible. Other Payees are not capable of accepting electronic Payments and those Payees are paid by a paper check issued on your behalf. The Bill Payment Service screens will indicate the Delivery Method and lead time expected for each type of Payment your Payee will ordinarily receive. The Delivery Method for a Payee is subject to change from time-to-time thereafter. We will withdraw the applicable funds from your HSA on the Process Date to cover your Payments. If a Payee no longer accepts electronic Payments, or the Payment encounters delivery errors, Payments to that Payee will be delivered by paper check. Additionally, if a Payee no longer accepts electronic Payments, the Estimated Delivery Date will be changed to seven (7) Business Days after the Process Date for all subsequent Payments and for the most current if the Payee provides us with sufficient notice. If a Payee begins accepting electronic Payments, Payments to that Payee will be processed electronically and the Estimated Delivery Date will be changed accordingly for all subsequent Payments. In addition, if an electronic Payment is undeliverable the Payment may be Resubmitted by paper check. You can see changes to a Delivery Method on the Site. Please note that, in some situations, if a Payment is scheduled to be sent electronically to a Payee who can no longer process Payments using the Delivery Method in which it was Sent, then that Payment may be late and we will not be responsible for any associated late charges that might be incurred as a result. We shall have no liability for late Payments arising from changes in your Payee's OBP_EFT_TANDC 5 of 8

6 Delivery Method as we have no control over your Payee's acceptance of or changes to a particular Delivery Method. While it is anticipated that most Payments will be delivered within 5-7 Business Days from the Process Date, it is understood that due to circumstances beyond our control, particularly delays in handling and posting Payments by slow responding companies or financial institutions, some Payments may take a few days longer to be credited by your Payee to your Payee account. FOR THIS REASON, YOU NEED TO ENTER A PROCESS DATE WHICH IS SUFFICIENTLY IN ADVANCE OF THE ACTUAL DUE DATE (NOT THE LATE DATE) OF YOUR PAYMENT OBLIGATION TO ENSURE THAT YOUR PAYMENT ARRIVES ON OR BEFORE YOUR DUE DATE AND NOT AFTER THE DUE DATE OR DURING THE GRACE PERIOD. Canceling Payments: You may cancel any Pending Payment via the Bill Payment Service if you do so no later than the Cutoff Time, on the Process Date. You may not cancel a Payment after the Cutoff Time has passed. Stop Payment Request: You can request a stop payment on a Payment that has gone out as a paper check and has not been Paid. Stop payments can be requested by contacting HSA Customer Service. At the time that you place a stop payment request, we may not be able to tell you whether the check has been Paid or is in the process of being Paid. You will be able to see the status of your stop payment request online. Under certain circumstances, the law may allow the party in possession of the check to enforce payment, despite the stop payment order. Reverse Electronic Payment Request: You can request a reversal on a Payment that has been processed electronically and has not been Paid. Reversals can be requested by contacting HSA Customer Service. At the time that you place a reversal request, we may not be able to tell you whether the Payment has been Paid or is in the process of being Paid. You will be able to see the status of your reversal request online. Under certain circumstances, the law may allow a third party to enforce Payment, despite the reverse payment order. Duplicate Payments Duplicate one-time Payments entered for the same amount, Payee name and Process Date will be rejected and an error message will be displayed on the Site. If a Repeating Payment is entered that duplicates a Repeating Payment Instruction in its entirety, it will be rejected and an error message will be displayed on the Site. If a onetime Payment is set-up and it duplicates an existing Payment within a Repeating Payment series, both Payments will be processed according to the Instructions entered; there will be no notification that the Payments were duplicates of each other. Stale Dated Payments Paper checks which may be issued to your Payees are not negotiable after the designated period noted on the check, usually 90 days. Occasionally, paper check Payments are not cashed by your Payee within the negotiable period. When this happens, our processor will return the funds to us, usually within 3-5 days, and upon receipt thereof, we will immediately credit your HSA. We have no liability to you, your Payee or any other party for refusing Payment on any check that remains outstanding after the end of the negotiable period. Merchant or Payee Limitation We reserve the right to refuse to pay any Payee whom you may designate for a Payment. We will notify you promptly if we decide to refuse to pay a Payee designated by you. This notification is not required if you attempt to pay any Payments prohibited under this Agreement. OBP_EFT_TANDC 6 of 8

7 Bill Payment and Transfer Service Fees The following fees apply to your Bill Payment and Transfer Service. Such fees shall be paid by you in accordance with the terms of this Agreement and your HSA custodial account agreement, as applicable. We may change the amount or type of any of the below fees or add additional fees at any time in accordance with the terms hereof or your HSA custodial account agreement, as applicable. In addition to the fees set forth in this section, you will be responsible for paying any telephone company or utility charges and/or Internet access service fees incurred while using telephone lines and/or Internet access services to connect with the Site. Bill Payment Service Fees: Copy of Check Stop Payment Stop Electronic Payment Insufficient Funds $10.00 per copy $20.00 per occurrence $20.00 per occurrence $1.00 per occurrence Transfer Service Fees: Return of Electronic Funds Transfer $10.00 per occurrence Your Liability for Unauthorized Transfers or Payments If you permit other persons to use the Bill Payment and Transfer Service or your Password, you are responsible for any transactions they authorize. If you believe that your Password has been lost or stolen or that someone has made Payments from, transferred funds to or may transfer funds to your HSA without your permission, notify us AT ONCE, by calling the HSA Customer Service number on the back of your HSA debit card or writing us at HSA Customer Service, PO Box 30207, Tampa, FL Telephoning us is the best and fastest way of keeping your possible losses to a minimum. If you do not do so, you could lose all the money in your HSA. Our Liability for Failure to Complete Bill Payments and Transfers If we do not complete a Transfer or Payment in the correct amount or according to our agreement with you, we will be liable for those damages as the law imposes in such cases. However, there are some exceptions. We will not be liable, for example: (A) If, through no fault of ours, your HSA with us or your Account does not contain sufficient funds to make the Transfer or your HSA does not contain sufficient funds to make a Payment. (B) The Bill Payment and Transfer Service, your operating system or your software was not functioning properly at the time you attempted to initiate such Transfer or Payment and it was evident to you at the time you began the OBP_EFT_TANDC 7 of 8

8 Transfer or Payment. (C) Circumstances beyond our control, such as fires, floods, acts of God, power outages and the like. (D) The Payee or, for Transfers, the financial institution holding your Account, mishandles or delays processing or posting a Payment or Transfer sent by the Bill Payment and Transfer Service. (E) If you have not provided us with complete and correct Payment or Transfer information, including without limitation the financial institution name, address, account number, Transfer or Payment amount. The list of examples set out in this paragraph is meant to illustrate circumstances under which we would not be liable for failing to make a Transfer or Payment and is not intended to list all of the circumstances where we would not be liable. Errors and Questions about Bill Payment and Transfer Services In case of errors or questions about your Payments or Transfers you should telephone or write us as soon as you can, at the address or phone number set forth in the section above entitled "Your Liability for Unauthorized Transfers or Payments". We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared or if you do not receive statements the date on which the problem or error first appeared on your transaction history, whichever is earlier. Tell us your name and HSA account number. Describe the error or the Transfer or Payment you are uncertain about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. If you tell us in person or by telephone, we may require that you send us your complaint or question in writing. We will investigate your complaint or question. If we have made an error, we will correct it promptly. If we find that there is no error, we will send you a written explanation of the results of the investigation. In case of errors or questions about your Transfers that appear on your Account statements, please contact the financial institution that provided such statement to you in accordance with the terms and conditions of your Account. Please note: While JPMorgan Chase Bank, N.A. may be the custodian of your HSA (or holds your HSA on behalf of your HSA custodian or trustee), for purposes of this Bill Payment and Transfer Service any accounts which you may otherwise have with JPMorgan Chase Bank, N.A. are considered to be held with a third party J.P. Morgan Chase & Co. JPMorgan Chase Bank, N.A. Member FDIC OBP_EFT_TANDC 8 of 8

Electronic Disclosure of the Terms and Conditions Agreement for the Online Bill Pay Service

Electronic Disclosure of the Terms and Conditions Agreement for the Online Bill Pay Service Electronic Disclosure of the Terms and Conditions Agreement for the Online Bill Pay Service All references within this document to the terms "Payment Service" and/or "the Service" reflect the Online Bill

More information

ONLINE BANKING DISCLOSURE/AGREEMENT

ONLINE BANKING DISCLOSURE/AGREEMENT ONLINE BANKING DISCLOSURE/AGREEMENT Rev 4/10 YOUR ACCEPTANCE OF THESE TERMS OF USE - ONLINE BANKING ("ONLINE BANKING TERMS") Meridian Bank requires all visitors who access its Online Banking to follow

More information

Online Bill Pay Terms and Conditions

Online Bill Pay Terms and Conditions Online Bill Pay Terms and Conditions TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE SERVICE DEFINITIONS "Agreement" means these terms and conditions of the bill payment service. "Biller" is the person

More information

Online Banking Agreement

Online Banking Agreement Online Banking Agreement If you would like to have a paper copy of this Agreement sent to you, please send us an e-mail at netteller@usbhazen.com. This Netteller Online Banking Agreement (this Agreement

More information

AGREEMENT FOR JBT ONLINE BILL PAY SERVICE

AGREEMENT FOR JBT ONLINE BILL PAY SERVICE AGREEMENT FOR JBT ONLINE BILL PAY SERVICE INTRODUCTION This is your bill paying agreement with JONESTOWN BANK & TRUST CO. (JBT). JBT Online Bill Pay Service ( Service ) allows you to direct JBT to make

More information

Access Agreement. I. Introduction

Access Agreement. I. Introduction Access Agreement I. Introduction II. Accessing Your Accounts through BankSmart A. Requirements B. Electronic Mail (E-mail) C. Fees D. New Services E. Benefits of Using BankSmart III. Terms and Conditions

More information

Old Dominion National Bank Consumer ebanking Access Agreement and Electronic Fund Transfer Act Disclosure

Old Dominion National Bank Consumer ebanking Access Agreement and Electronic Fund Transfer Act Disclosure Old Dominion National Bank Consumer ebanking Access Agreement and Electronic Fund Transfer Act Disclosure Agreement This Agreement is a contract which establishes the rules governing your electronic access

More information

Fairport Savings Bank Online Banking Access Agreement

Fairport Savings Bank Online Banking Access Agreement Fairport Savings Bank Online Banking Access Agreement I. Introduction II. Accessing Your Fairport Savings Bank Accounts through Online Banking A. Requirements B. Electronic Mail (E-mail) C. Fees D. New

More information

New Horizon Bank Online Banking Agreement/Disclosure

New Horizon Bank Online Banking Agreement/Disclosure New Horizon Bank Online Banking Agreement/Disclosure This Agreement governs the use of the New Horizon Bank Online Banking Services and is made and entered into by and between New Horizon Bank ("Bank"),

More information

"Payment Account" is the checking account from which bill payments will be debited.

Payment Account is the checking account from which bill payments will be debited. TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE You may use Goldenwest Federal Credit Union s ( Goldenwest ) bill paying service to direct Goldenwest to make payments from your designated checking account

More information

Personal Online Banking / Bill Pay Terms And Conditions

Personal Online Banking / Bill Pay Terms And Conditions Personal Online Banking / Bill Pay Terms And Conditions The Online Banking Agreement and Disclosures (Agreement) apply to Your use of the Online Banking Service provided by Spring Bank, which permits You

More information

TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE

TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE SERVICE DEFINITIONS "Service" means the Bill Payment Service offered by your financial institution. "Agreement" means these Terms and Conditions of the

More information

North Georgia Credit Union Bill Pay Agreement & Disclosure

North Georgia Credit Union Bill Pay Agreement & Disclosure North Georgia Credit Union Bill Pay Agreement & Disclosure Welcome to Paytraxx Bill Pay Service. Bill Pay is an optional service that may be added to the financial institution s Internet Banking Service.

More information

TRUCHOICE FEDERAL CREDIT UNION CONSENT FOR ELECTRONIC DISCLOSURES UNDER THE ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT

TRUCHOICE FEDERAL CREDIT UNION CONSENT FOR ELECTRONIC DISCLOSURES UNDER THE ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT TRUCHOICE FEDERAL CREDIT UNION CONSENT FOR ELECTRONIC DISCLOSURES UNDER THE ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT Please read this information carefully and print a copy and/or retain

More information

Peoples Online Services and E-Sign Agreement

Peoples Online Services and E-Sign Agreement Peoples Online Services and E-Sign Agreement This Peoples Online Services Agreement and Disclosure ("Agreement") explains the terms and conditions governing basic online services and bill pay services

More information

Bill Pay Agreement and Disclosure

Bill Pay Agreement and Disclosure Bill Pay Agreement and Disclosure INTRODUCTION This disclosure covers your and our rights and responsibilities concerning the Bill Pay Service offered by Cornerstone Financial Credit Union ( Credit Union

More information

Online Banking Agreement

Online Banking Agreement Online Banking Agreement This Agreement provides information about the Triad Bank Online service and contains the disclosures required by the Electronic Funds Transfer Act. By subscribing to the Service

More information

"You" and "your" mean the account holder(s) and anyone else with authority to deposit, withdraw, or exercise control over the funds in the account.

You and your mean the account holder(s) and anyone else with authority to deposit, withdraw, or exercise control over the funds in the account. FIRST BANK KANSAS Information about Electronic Fund Transfers The Electronic Fund Transfer Act and Regulation E require banks to provide certain information to customers regarding electronic fund transfer

More information

Online Bill Pay Agreement TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE

Online Bill Pay Agreement TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE Online Bill Pay Agreement TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE SERVICE DEFINITIONS "Service" means the Bill Payment Service offered by BankFinancial F.S.B. "Agreement" means these Terms and

More information

CONSUMER ONLINE BANKING DISCLOSURE AND AGREEEMENT

CONSUMER ONLINE BANKING DISCLOSURE AND AGREEEMENT CONSUMER ONLINE BANKING DISCLOSURE AND AGREEEMENT This Agreement describes your rights and obligations as a user of the Online Banking service and/or the Bill Payment and Presentment service ("Services").

More information

VI. Protecting Your Account A. Preventing Misuse of Your Account B. Unauthorized Transactions in Your First National Bank of Kemp Accounts

VI. Protecting Your Account A. Preventing Misuse of Your Account B. Unauthorized Transactions in Your First National Bank of Kemp Accounts You agree that any information or disclosures or notices supplemental to or under this Agreement or by law or regulation or any amendments to this Agreement may be sent to you by electronic communication,

More information

Online Banking Agreement

Online Banking Agreement Online Banking Agreement Liberty National Bank Online Banking Agreement ONLINE BANKING / BILL PAYING AGREEMENT 1. The Services: Use of Liberty National Bank's Online Banking Services requires at least

More information

Business Online Bill Pay Terms and Conditions

Business Online Bill Pay Terms and Conditions Business Online Bill Pay Terms and Conditions This Online Bill Pay Terms and Conditions ("Agreement") is between Customer and Spring Bank for the delivery of Business Online Bill Pay as described below:

More information

Online Banking - Terms and Conditions

Online Banking - Terms and Conditions Online Banking - Terms and Conditions (updated 12/2015) Welcome to electronic banking at Capstone Bank. This Agreement and Disclosure Statement for Online Banking Services (the "Agreement") describes the

More information

EagleBank Online Service Agreement and Electronic Funds Transfer Disclosure

EagleBank Online Service Agreement and Electronic Funds Transfer Disclosure EagleBank Online Service Agreement and Electronic Funds Transfer Disclosure No one from EagleBank will ever contact you in any form (fax, letter, email, phone call, etc.) and ask you to provide your online

More information

BILL PAYMENT SERVICES AGREEMENT TERMS AND CONDITIONS

BILL PAYMENT SERVICES AGREEMENT TERMS AND CONDITIONS BILL PAYMENT SERVICES AGREEMENT TERMS AND CONDITIONS This Agreement is the contract which covers your and our rights and responsibilities concerning Bill Payment Services ( Bill Pay ) offered to you by

More information

Payment Partner (Online Bill Pay) Terms and Conditions

Payment Partner (Online Bill Pay) Terms and Conditions Payment Partner (Online Bill Pay) Terms and Conditions A. Personal Users of Payment Partner B. Small Business Users of Payment Partner Atlantic Stewardship Bank s Payment Partner Terms and Conditions are

More information

Corporate Internet Banking. Authorization Worksheets

Corporate Internet Banking. Authorization Worksheets Corporate Internet Banking Authorization Worksheets CLIENT AUTHORIZATION General Company Information Company Name: Client Number: Address: City, State, Zip: Contact Name: (Maximum 35 characters) Phone

More information

CASTLE ROCK BANK ONLINE BANKING AGREEMENT AND DISCLOSURE

CASTLE ROCK BANK ONLINE BANKING AGREEMENT AND DISCLOSURE CASTLE ROCK BANK ONLINE BANKING AGREEMENT AND DISCLOSURE This Online Banking Agreement and Disclosure ("Agreement") describes your rights and obligations as a user of the Online Banking service or the

More information

INTERNET BANKING ONLINE BILL PAYMENT AGREEMENT

INTERNET BANKING ONLINE BILL PAYMENT AGREEMENT INTERNET BANKING ONLINE BILL PAYMENT AGREEMENT To gain access to the First Citizens State Bank Online Bill Payment Service, you must complete this First Citizens State Bank Online Bill Payment Service

More information

EASYPAY TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE

EASYPAY TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE EASYPAY TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE SERVICE DEFINITIONS "Service" means the bill payment service offered by your Credit Union and CU*Answers, Inc., through Fiserv Corporation. "Agreement"

More information

Commercial Bank & Trust of PA Effective December 1, 2015

Commercial Bank & Trust of PA Effective December 1, 2015 Commercial Bank & Trust of PA Effective December 1, 2015 Electronic Funds Transfer Disclosure and Terms and Conditions of Your Electronic Banking Account Commercial Bank & Trust of PA ("we," "our," "us"

More information

ONLINE BILL PAY AGREEMENT AND DISCLOSURES

ONLINE BILL PAY AGREEMENT AND DISCLOSURES ONLINE BILL PAY AGREEMENT AND DISCLOSURES This is your bill paying agreement with FIVE COUNTY CREDIT UNION. You may use FIVE COUNTY CREDIT UNION S bill paying service, ONLINE BILL PAY, to direct FIVE COUNTY

More information

Merrill Lynch Web Bill Pay Service Agreement

Merrill Lynch Web Bill Pay Service Agreement Merrill Lynch Web Bill Pay Service Agreement TERMS AND CONDITIONS This Merrill Lynch Web Bill Pay Service Agreement contains the terms and conditions governing the Merrill Lynch Web Bill Pay Service, including

More information

ONLINE BANKING AGREEMENT AND DISCLOSURE

ONLINE BANKING AGREEMENT AND DISCLOSURE ONLINE BANKING AGREEMENT AND DISCLOSURE REDNECK BANK, A DIVISION OF BANK OF THE WICHITAS P.O. BOX 852 MUSTANG, OK 73064 Redneck Bank & Bank of the Wichitas are the same financial institution. Deposits

More information

LIBERTY BANK ONLINE BILL PAYMENT ( BILL PAYMENT SERVICE ).

LIBERTY BANK ONLINE BILL PAYMENT ( BILL PAYMENT SERVICE ). LIBERTY BANK ONLINE BILL PAYMENT ( BILL PAYMENT SERVICE ). 1. USING THE BILL PAYMENT SERVICE As used in this Agreement, the term Payee means the person or entity to whom you wish a bill payment to be directed;

More information

Bill Payment and Electronic Funds Transfer Service Agreement

Bill Payment and Electronic Funds Transfer Service Agreement ab Bill Payment and Electronic Funds Transfer Service Agreement For more information Call ResourceLine, our interactive voice response telephone unit, 24 hours a day, 7 days a week at 800-762-1000, Option

More information

Online Banking Agreement & Disclosure

Online Banking Agreement & Disclosure Online Banking Agreement & Disclosure This Agreement provides information about the CITIZENS FIRST Online Banking service and contains the disclosures required by the Electronic Funds Transfer Act, as

More information

Home State Bank Online Access Agreement

Home State Bank Online Access Agreement Home State Bank Online Access Agreement Introduction Before you begin using this service, please read these terms and conditions carefully. By selecting the "I Agree" button below and through the continued

More information

Boiling Springs Savings Bank Online Banking Access Agreement

Boiling Springs Savings Bank Online Banking Access Agreement Boiling Springs Savings Bank Online Banking Access Agreement I. Introduction II. Accessing Your Boiling Springs Savings Bank Accounts through Online Banking A. Requirements B. Electronic Mail (E-mail)

More information

Bill Payment Service Agreement

Bill Payment Service Agreement www.starone.org Bill Payment Service Agreement 1. INTRODUCTION This Agreement is the contract which covers your and our rights and responsibilities concerning the Bill Payment Services offered to you by

More information

DEBIT CARD & ELECTRONIC FUNDS TRANSFER DISCLOSURE

DEBIT CARD & ELECTRONIC FUNDS TRANSFER DISCLOSURE DEBIT CARD & ELECTRONIC FUNDS TRANSFER DISCLOSURE The purpose of this Disclosure Statement is to make you aware of your rights and responsibilities when using our Debit Card and Electronic Funds Transfer

More information

Virtual Branch Services Terms and Conditions

Virtual Branch Services Terms and Conditions Virtual Branch Services Terms and Conditions The following terms and conditions govern the manner in which TMH Federal Credit Union (Us, We, Our) will provide Virtual Branch Internet Banking and Bill Payment

More information

Casey State Bank Online Banking Agreement and Disclosure

Casey State Bank Online Banking Agreement and Disclosure Casey State Bank Online Banking Agreement and Disclosure Please carefully read this entire agreement and keep a copy for your records. By pressing the I ACCEPT button, you agree to the terms and conditions

More information

Consumer ebanking for Business Set-Up Form

Consumer ebanking for Business Set-Up Form Consumer ebanking for Business Set-Up Form PRINT, SIGN and MAIL to American Savings Bank, Customer Service Center, P.O. Box 2300, Honolulu, HI 96804-2300 or DROP OFF this set-up form at your nearest American

More information

Bill Payer Services Agreement

Bill Payer Services Agreement WCLA Credit Union PO Box 207, Olympia, WA 98507-0207 360.352.5033 www.loggers.com/cu Bill Payer Services Agreement This Bill Payer Service Agreement ( Agreement ) is the contract, which covers your and

More information

Business Internet Banking Agreement Effective November 12, 2012

Business Internet Banking Agreement Effective November 12, 2012 Business Internet Banking Agreement Effective November 12, 2012 PRINT AND RETAIN THIS FOR YOUR RECORDS 1. AGREEMENT This Agreement is a contract that establishes the rules that cover your electronic access

More information

New Online Bill Pay. Save time when you pay your bills online.

New Online Bill Pay. Save time when you pay your bills online. The State Bank of Townsend New Online Bill Pay Save time when you pay your bills online. Online Banking users can sign up for Bill Pay service and begin paying their bills online. The service costs just

More information

INDEPENDENCE BANK P 0 BOX 988 OWENSBORO KY 42302 270-686-1776 ELECTRONIC FUND TRANSFER DISCLOSURE

INDEPENDENCE BANK P 0 BOX 988 OWENSBORO KY 42302 270-686-1776 ELECTRONIC FUND TRANSFER DISCLOSURE INDEPENDENCE BANK P 0 BOX 988 OWENSBORO KY 42302 270-686-1776 ELECTRONIC FUND TRANSFER DISCLOSURE For purposes of this disclosure the terms "we", "us" and our refer to INDEPENDENCE BANK The terms "you"

More information

HORATIO STATE BANK ONLINE BANKING AGREEMENT AND DISCLOSURE

HORATIO STATE BANK ONLINE BANKING AGREEMENT AND DISCLOSURE HORATIO STATE BANK ONLINE BANKING AGREEMENT AND DISCLOSURE (Including disclosures under the Electronic Funds Transfer Act and implementing regulations) ONLINE BANKING AGREEMENT AND DISCLOSURE This Online

More information

Attachment A to Corporate Cash Management Services Agreement COMMERCIAL BILL PAYMENT SERVICES TERMS AND CONDITIONS

Attachment A to Corporate Cash Management Services Agreement COMMERCIAL BILL PAYMENT SERVICES TERMS AND CONDITIONS Attachment A to Corporate Cash Management Services Agreement COMMERCIAL BILL PAYMENT SERVICES TERMS AND CONDITIONS This Attachment A to the Corporate Cash Management Services Agreement between NewDominion

More information

CONSOLIDATED COMMUNITY CREDIT UNION ONLINE BILL PAY BILL PAYMENT AGREEMENT & DISCLOSURES

CONSOLIDATED COMMUNITY CREDIT UNION ONLINE BILL PAY BILL PAYMENT AGREEMENT & DISCLOSURES YOU SHOULD READ CAREFULLY THE FOLLOWING TERMS AND CONDITIONS BEFORE YOU USE ONLINE BILL PAY. YOU MAY NOT ACCESS OR USE ONLINE BILL PAY WITHOUT FIRST ACKNOWLEDGING YOUR ACCEPTANCE OF THESE TERMS. CONSOLIDATED

More information

Terms and Conditions Agreement for USE CREDIT UNION's Online Bill Pay Service

Terms and Conditions Agreement for USE CREDIT UNION's Online Bill Pay Service Terms and Conditions Agreement for USE CREDIT UNION's Online Bill Pay Service Supplemental Agreement & Acknowledgement Effective September 1, 2012 PLEASE PRINT AND SAVE THIS DOCUMENT FOR YOUR RECORDS Note:

More information

ONLINE EXPRESS INTERNET BANKING CUSTOMER AGREEMENT

ONLINE EXPRESS INTERNET BANKING CUSTOMER AGREEMENT ONLINE EXPRESS INTERNET BANKING CUSTOMER AGREEMENT This Agreement is entered into between Farmers Trust & Savings Bank (the "Bank") and any customer of the Bank who subscribes to the Bank s Online Express

More information

Electronic Funds Transfer Disclosure Agreement

Electronic Funds Transfer Disclosure Agreement Electronic Funds Transfer Disclosure Agreement Your use of any EFT service offered by the Bank will be governed by this Disclosure and by any separate agreement or disclosure that also applies to the EFT

More information

BALLSTON SPA NATIONAL BANK. Online Banking Service Agreement

BALLSTON SPA NATIONAL BANK. Online Banking Service Agreement BALLSTON SPA NATIONAL BANK Online Banking Service Agreement Agreement This Agreement which includes the Application Form 1, and Terms and Conditions of Your Deposit Account 2, is a contract which establishes

More information

"Service" means the bill payment service offered by Branch Banking & Trust Company (BB&T).

Service means the bill payment service offered by Branch Banking & Trust Company (BB&T). TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE SERVICE DEFINITIONS "Service" means the bill payment service offered by Branch Banking & Trust Company (BB&T). "Agreement" means these terms and conditions

More information

Bill - Pay Agreement/Disclosure

Bill - Pay Agreement/Disclosure Bill - Pay Agreement/Disclosure Disclosure This is your bill paying agreement with United Bay Community Credit Union. You may use United Bay Community Credit Union s bill paying service Bill Pay, to direct

More information

Dilley State Bank RETAIL (Personal) ONLINE BANKING AGREEMENT - GENERAL TERMS AND CONDITIONS

Dilley State Bank RETAIL (Personal) ONLINE BANKING AGREEMENT - GENERAL TERMS AND CONDITIONS 1) Applicability This Agreement and Initial Disclosures (the "Agreement") governs your use of online banking. By subscribing to online banking or using online banking, you agree to the terms of this Agreement.

More information

FIRST COMMERCIAL BANK. First Commercial Bank Internet Banking Agreement and Disclosure

FIRST COMMERCIAL BANK. First Commercial Bank Internet Banking Agreement and Disclosure FIRST COMMERCIAL BANK First Commercial Bank Internet Banking Agreement and Disclosure This First Commercial Bank Internet Banking Agreement and Disclosure ("Agreement") describes your rights and obligations

More information

STATE EMPLOYEES CREDIT UNION VISA GIFT CARD TERMS AND CONDITIONS Effective September 2013

STATE EMPLOYEES CREDIT UNION VISA GIFT CARD TERMS AND CONDITIONS Effective September 2013 STATE EMPLOYEES CREDIT UNION VISA GIFT CARD TERMS AND CONDITIONS Effective September 2013 This Cardholder Agreement ( Agreement") sets forth the terms and conditions of your SECU Visa Gift Card ( Card

More information

HERITAGE TRUST FEDERAL CREDIT UNION ONLINE SERVICES ON LINE BANKING AND BILL PAYMENT AGREEEMENT AND DISCLOSURE

HERITAGE TRUST FEDERAL CREDIT UNION ONLINE SERVICES ON LINE BANKING AND BILL PAYMENT AGREEEMENT AND DISCLOSURE HERITAGE TRUST FEDERAL CREDIT UNION ONLINE SERVICES ON LINE BANKING AND BILL PAYMENT AGREEEMENT AND DISCLOSURE This Agreement is the contract which covers your and our rights and responsibilities concerning

More information

Frontier State Bank ELECTRONIC FUNDS TRANSFER

Frontier State Bank ELECTRONIC FUNDS TRANSFER Frontier State Bank ELECTRONIC FUNDS TRANSFER YOUR DEISCLOSURE STATEMENT AND AGREEMENT FOR TRANSFUND CARD, DEBIT CARD AND OTHER ELECTRONIC FUND TRANSFER SERVICES This is a Disclosure Statement and Agreement

More information

You may have to accept additional terms and conditions for certain services you may wish to utilize within the Account Center.

You may have to accept additional terms and conditions for certain services you may wish to utilize within the Account Center. ACCOUNT CENTER (BANKING) AGREEMENT Effective May 27, 2014 This Account Center (Banking) Agreement (the "Agreement") includes the terms and conditions for your use of the Discover Bank Account Center Banking

More information

MyMEA Online ACCOUNT ACCESS AGREEMENT AND DISCLOSURE STATEMENT

MyMEA Online ACCOUNT ACCESS AGREEMENT AND DISCLOSURE STATEMENT rev 2015 MyMEA Online ACCOUNT ACCESS AGREEMENT AND DISCLOSURE STATEMENT MEA FEDERAL CREDIT UNION This Agreement establishes the rules that cover your electronic access to your account(s) at MEA Federal

More information

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

WEST CENTRAL BANK ONLINE BANKING AGREEMENT AND DISCLOSURE

WEST CENTRAL BANK ONLINE BANKING AGREEMENT AND DISCLOSURE WEST CENTRAL BANK ONLINE BANKING AGREEMENT AND DISCLOSURE This Online Banking Agreement and Disclosure ( Agreement ) describes your rights and obligations as a user of the Online Banking service or the

More information

NOTE: Only a checking account may be used, not a Cash Card, savings and/or money market account.

NOTE: Only a checking account may be used, not a Cash Card, savings and/or money market account. Consumer Online Bill Pay Agreement and Disclosure Statement This Consumer Online Bill Pay Agreement and Disclosure Statement (the "Agreement") is between Burke & Herbert Bank (the Bank ) and each customer

More information

EXPRESSnet Bill Pay. Personal Checking Accounts: FREE

EXPRESSnet Bill Pay. Personal Checking Accounts: FREE EXPRESSnet Bill Pay TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE SERVICE DEFINITIONS Personal Checking Accounts: FREE Business Checking Accounts $10 per month for up to 15 transactions $.55 per transaction

More information

Online Bill Pay Application

Online Bill Pay Application Online Bill Pay Application Applicant Name: Social Security#: Date of Birth: Co-Applicant Name: (If both Account Holders want access to Online Bill Pay) Social Security# Date of Birth: Bill Pay Account

More information

These Terms and Conditions specifically apply to the following functionalities:

These Terms and Conditions specifically apply to the following functionalities: Online Transfers Terms and Conditions The Service By clicking on Submit below, and by using or authorizing others to use the online transfer functionalities provided through ClientServ SM (the Service

More information

Online Banking Terms and Conditions

Online Banking Terms and Conditions Online Banking Terms and Conditions Print Disclosure Online Internet Banking Terms and Conditions Agreement This Agreement describes your rights and obligations as a user of the Online Banking Service

More information

ELECTRONIC SERVICES AGREEMENT

ELECTRONIC SERVICES AGREEMENT ELECTRONIC SERVICES AGREEMENT Electronic Disclosure and Consent To the extent that you have given your e-sign consent, if such consent is required, you agree to receive this covering consumer online banking

More information

NASA Federal Credit Union ebranch Online Banking Service Agreement

NASA Federal Credit Union ebranch Online Banking Service Agreement NASA Federal Credit Union ebranch Online Banking Service Agreement By accessing the NASA Federal Credit Union s ebranch Online Banking Service (the Service), you agree to this ebranch Online Banking Agreement

More information

Internet Banking Disclosure 03/29/12

Internet Banking Disclosure 03/29/12 Internet Banking Disclosure 03/29/12 Business Online Banker (Internet) Agreement 1. The Service. This agreement, along with the Authorization Worksheets, is a contract which establishes the rules which

More information

ONLINE BANKING AGREEMENT AND DISCLOSURE

ONLINE BANKING AGREEMENT AND DISCLOSURE ONLINE BANKING AGREEMENT AND DISCLOSURE This Online Banking Agreement and Disclosure ( Agreement ) describes your rights and obligations as a user of the Online Banking service or the Bill Payment service

More information

FIRST GENERAL CREDIT UNION ONLINE BANKING AND BILL PAYMENT AGREEMENT

FIRST GENERAL CREDIT UNION ONLINE BANKING AND BILL PAYMENT AGREEMENT FIRST GENERAL CREDIT UNION ONLINE BANKING AND BILL PAYMENT AGREEMENT This Agreement describes your rights and obligations as a user of the Online Banking service and/or the Bill Payment service (collectively

More information

Electronic Funds Transfer Agreement and Disclosures

Electronic Funds Transfer Agreement and Disclosures Electronic Funds Transfer Agreement and Disclosures ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURES Agreement 1. Issuance of Card or Personal Identification Number. In this Agreement and Disclosures

More information

GBC INTERNATIONAL BANK

GBC INTERNATIONAL BANK GBC INTERNATIONAL BANK ONLINE BANKING AGREEMENT & DISCLOSURE BY ACCEPTING THIS AGREEMENT, YOU ARE AUTHORIZING US, THE BANK TO CARRY OUT ALL YOUR REQUEST ENTERED VIA GBC ONLINE BANKING. INTRODUCTION This

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUNDS TRANSFER AND DISCLOSURE

ELECTRONIC FUNDS TRANSFER AND DISCLOSURE 135 Raritan Center Parkway Ph: 732.225.1505 Fax: 732.225.4572 www.pinnaclefcu.com ELECTRONIC FUNDS TRANSFER AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and

More information

Online Bill Pay Service Terms and Conditions Agreement

Online Bill Pay Service Terms and Conditions Agreement Please read and print (for Online Bill Pay Service Terms and Conditions Agreement Please read and print (for your records) the following. By using the Online Bill Pay Service, each of you, jointly and

More information

1. Acceptance and Agreement

1. Acceptance and Agreement KAUA'I GOVERNMENT EMPLOYEES FEDERAL CREDIT UNION Online Banking and Bill Payment Service Agreement and Disclosure Statement Before enrolling in Kaua'i Government Employees Federal Credit Union s Online

More information

Bank of Brodhead PO Box 108 806 E Exchange St Brodhead WI 53520-0108

Bank of Brodhead PO Box 108 806 E Exchange St Brodhead WI 53520-0108 Bank of Brodhead PO Box 108 806 E Exchange St Brodhead WI 53520-0108 Consumer Internet Banking Agreement and Disclosures 1. Coverage. This Agreement applies to your use of our Online Banking Service ("Internet

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

GREENWOODS STATE BANK. Consumer Internet Banking Agreement and Disclosures

GREENWOODS STATE BANK. Consumer Internet Banking Agreement and Disclosures July 2014 GREENWOODS STATE BANK Consumer Internet Banking Agreement and Disclosures Coverage. This Agreement applies to your use of our Internet Banking Service ("Internet Service"), which permits you

More information

Bill Payment Agreement

Bill Payment Agreement Bill Payment Agreement Service Provider You authorize Altra Federal Credit Union (Altra) to utilize ipay Solutions (or another processor of our choice) to provide this service to you on the Credit Union

More information

STATE BANK OF SPRING HILL INTERNET BANKING AGREEMENT WWW.SBSH-KS.COM Internet banking is not available to children under 18 years of age.

STATE BANK OF SPRING HILL INTERNET BANKING AGREEMENT WWW.SBSH-KS.COM Internet banking is not available to children under 18 years of age. STATE BANK OF SPRING HILL INTERNET BANKING AGREEMENT WWW.SBSH-KS.COM Internet banking is not available to children under 18 years of age. PLEASE READ THIS AGREEMENT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.

More information

AFB s My Online Banking Rules

AFB s My Online Banking Rules AFB s My Online Banking Rules Rules and Regulations The Bank will make available an online banking system, known as "My Online Banking," which will enable the User to gain direct computer access to account

More information

Online Banking Agreement

Online Banking Agreement Online Banking Agreement Please read the Terms and Conditions below and "sign" below, by checking the box below and click submit. We recommend that you print a copy of this document and maintain a copy

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Electronic Fund Transfers we are capable of handling are indicated below, some of which may not apply to your account. Direct Deposits you

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

SANGER BANK ONLINE BANKING AGREEMENT AND DISCLOSURE

SANGER BANK ONLINE BANKING AGREEMENT AND DISCLOSURE SANGER BANK ONLINE BANKING AGREEMENT AND DISCLOSURE This Online Banking Agreement and Disclosure ("Agreement") describes your rights and obligations as a user of the Online Banking service or the Bill

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ONLINE BANKING AGREEMENT

ONLINE BANKING AGREEMENT ONLINE BANKING AGREEMENT The following information represents the Online Banking Agreement between you and Central State Bank ( Bank, we, our, ours, us ). This Agreement, including, as applicable, the

More information

FMS Bank s Internet Banking Accounts Access Agreement

FMS Bank s Internet Banking Accounts Access Agreement I. Introduction FMS Bank s Internet Banking Accounts Access Agreement II. III. IV. Protecting Your Accounts a. Preventing Misuse of Your Account(s) b. Unauthorized Transactions in Your FMS Bank Account(s)

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE WITH APPLICATION

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE WITH APPLICATION ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE WITH APPLICATION This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning

More information

Contact information for account assistance is listed on the last page of this brochure. Please read the following terms and conditions carefully.

Contact information for account assistance is listed on the last page of this brochure. Please read the following terms and conditions carefully. 2014 ELECTRONIC FUND TRANSFER DISCLOSURES AND AGREEMENT The following disclosures and agreement ( Disclosures and Agreement ) describe your rights, protection, and liabilities as a consumer, pursuant to

More information

We encourage you to keep this Agreement for your records. If you have any questions, please contact a Customer Service Representative.

We encourage you to keep this Agreement for your records. If you have any questions, please contact a Customer Service Representative. Internet Banking Terms and Conditions Agreement This Agreement describes your rights and obligations as a user of the Internet Banking Service or the Bill Payment Service ("Service" or "Services"). It

More information

ROCKLAND FEDERAL CREDIT UNION SMALL BUSINESS ONLINE BANKING AGREEMENT A. GENERAL PROVISIONS

ROCKLAND FEDERAL CREDIT UNION SMALL BUSINESS ONLINE BANKING AGREEMENT A. GENERAL PROVISIONS 1. You Agree ROCKLAND FEDERAL CREDIT UNION SMALL BUSINESS ONLINE BANKING AGREEMENT A. GENERAL PROVISIONS This Small Business Online Banking Agreement (the Agreement ) governs the use of Rockland Federal

More information