Online Banking Agreement

Size: px
Start display at page:

Download "Online Banking Agreement"

Transcription

1 Online Banking Agreement I. Introduction This Online Banking Agreement (this Agreement ) is entered into by you and Lewiston State Bank ( us or Bank ) and governs (together with any other online banking agreements between you and Bank) your use of Bank s online banking services ( Online Banking ). You may use Online Banking to access accounts that are eligible for Online Banking and other services as may be permitted by Bank (the Services ). In the event you have executed other Online Banking agreements, the terms of those other agreements are incorporated herein by reference. In the event of a conflict between this Agreement and any other Online Banking agreement, the other Online Banking agreements shall govern. Your use of Bank s Online Banking constitutes acceptance of and agreement with this Agreement and an affirmation of all other Online Banking agreements in favor of Bank. II. Enrollment You have asked to be allowed to enter Online Banking so that you may access your accounts that are eligible for Online Banking and access the Services. Persons entering Online Banking for you must also accept any terms of use for Online Banking required by Bank. Finally, before you are able to use Online Banking or Service, you (and, if applicable, others using Online Banking or a Service for you) must sign or accept any additional applications, agreements, instruments, rules, standards, policies, instructions, and other documents and forms required to use Online Banking or that Service. By using Online Banking, you agree to be bound by the terms of this Agreement. You agree to use Online Banking only as provided in (a) this Agreement (and all other Online Banking agreements), (b) any user guide provided by Bank and the rules, procedures, standards, requirements, and policies made applicable to Online Banking from time to time by Bank (as may be revised or updated), (c) any communications, instructions, terms, or conditions appearing at Online Banking or otherwise provided by Bank (as may be revised or updated), and (d) any state or federal laws or regulations now or hereafter applicable to Online Banking. You may access an eligible account at the Bank's website through to obtain balances, transaction history and other information. To access an eligible account or use a Service you must have a User Name (also called Online Banking ID or Personal ID), a password, and the required hardware and software. By applying for a User Name, you certify to us that (i) you have given us your correct and valid tax identification number, and (ii) you are the owner (or a Bank-documented, legally authorized representative of the owner) of the eligible accounts. Subject to the terms of this Agreement, you will generally be able to access your eligible accounts through the Website seven days a week, twenty-four hours a day. At certain times, Online Banking may not be available due to system maintenance or circumstances beyond our control. During these times, you may use one of the following options as they are available to obtain information about your eligible accounts: telephone banking at or and customer service at III. ID Codes and Passwords You will be able to use Online Banking and the Services through a User Name, Online Banking ID or Personal ID, and a password. It is your sole responsibility to ensure that the names, ID codes, passwords, and other identifiers are known to, and used only by you and, if applicable, persons who have been properly authorized by you to access Online Banking and use the Services through Online Banking. Our security procedures are not designed for the detection of errors (e.g., duplicate payments or errors in your funds transfer instructions). We will not be obligated in any circumstance whatsoever to detect errors by you or v

2 others, even if we take certain actions from time to time to do so. You agree to change your password on a regular basis. You agree to change your temporary password promptly after you are given access to the Services for the first time and whenever anyone who has had access is no longer authorized by you to use the Services. The Bank may require you to change your password at any time. We may deny access to the Services without prior notice if we are unable to confirm (to our satisfaction) your or any other person s authority to access the Services or if we believe such action is necessary for security reasons. If we take any actions beyond those described herein, in an attempt to detect unauthorized access or to detect errors in the transmission or content sent to us, you agree that no matter how many times we take these actions, 1) they will not become part of the security procedures, and 2) we will not be liable in any situation for failing to take or correctly perform these actions. Each time you make a transfer or payment with a Service, you warrant that our security procedures are commercially reasonable (based on the normal size, type, and frequency of your transactions). Some of our Services allow you to set transaction limitations and establish internal controls. Your failure to set such limitations and implement such controls increases your exposure to, and responsibility for, unauthorized transactions. You agree to be bound by any transfer or payment order we receive through the Services, even if the order is not authorized by you, if it includes your password or security codes or is otherwise processed by us in accordance with our security procedures. FAILURE TO PROTECT USER NAMES, ID CODES, PASSWORDS, OR MULTI-FACTOR AUTHENTICATIONS MAY ALLOW AN UNAUTHORIZED PARTY TO (1) WITHDRAW OR TRANSFER FUNDS, (2) USE THE SERVICES, (3) CORRECT, CHANGE, VERIFY, OR SEND DATA USED WITH THE SERVICES, (4) SEND INFORMATION AND COMMUNICATIONS TO, OR RECEIVE INFORMATION AND COMMUNICATIONS FROM, BANK, OR (5) ACCESS YOUR ELECTRONIC COMMUNICATIONS AND FINANCIAL DATA. ALL ENTRIES INTO ONLINE BANKING, ALL COMMUNICATIONS SENT, AND ALL USES OF THE SERVICES, THROUGH YOUR USER NAME, ID CODES, PASSWORDS, OR MULTI-FACTOR AUTHENTICATIONS WILL BE DEEMED TO BE ENTRIES, COMMUNICATIONS, AND USES AUTHORIZED BY YOU AND BE BINDING UPON YOU. YOU ASSUME THE ENTIRE RISK FOR THE FRAUDULENT OR UNAUTHORIZED USE OF ALL USER NAMES, ID CODES, PASSWORDS, AND MULTI-FACTOR AUTHENTICATIONS. You acknowledge the importance of developing internal procedures to limit such risk, which procedures will include, at a minimum, not keeping, in any form or in any place, lists of User names, ID codes, passwords, or other authentications. You agree to notify Bank immediately when you become aware of any loss or theft of, or any unauthorized use of, any User name, ID codes, passwords, or multi-factor authentications. You also agree to notify Bank immediately when you become aware of any unauthorized attempt to enter into Online Banking. IV. Services We will notify you when the Services you request become available to you. If you request additional Services in the future, they will also be governed by this Agreement, unless we advise you otherwise. YOU AGREE TO FOLLOW THE PROCEDURES, INSTRUCTIONS AND CONDITIONS FOR THE USE OF THE SERVICES CONTAINED IN THIS AGREEMENT AND ANY OTHER AGREEMENT REGARDING ONLINE BANK THAT YOU HAVE SIGNED, AND IN ANY OTHER AGREEMENTS, NOTICES, GUIDES, MANUALS, MATERIALS, DOCUMENTS OR INSTRUCTIONS FURNISHED TO YOU BY US. WE MAY AT ANY TIME WITHDRAW, MODIFY OR CHANGE THE PROCEDURES FOR USING THE SERVICES. YOUR USE OF A SERVICE AFTER ANY SUCH MODIFICATION BECOMES EFFECTIVE WILL EVIDENCE YOUR ACCEPTANCE OF THE MODIFICATION. IF YOU DO NOT ACCEPT ANY MODIFICATION, YOU MAY TERMINATE SUCH SERVICE. A. Description of the Bill Pay Service. V. Bill Pay Service V

3 Bill Pay Service allows you to schedule payments through Online Banking. You can arrange, at your option, for the payment of your current, future and recurring obligations from a checking account (the "Bill Pay Account"). There is no limit to the number of payments that may be authorized. However, only one one-time payment and one recurring payment may be sent to each payee on the same day. You may pay anyone approved by the Bank for payment through the Bill Pay Service. However, we are unable to process any payments to federal, state, or local tax agencies. By furnishing us with the names of your payees and their addresses, you authorize us to follow the payment instructions to these payees that you provide us via Online Banking. The date the payment is to be sent is called the "Payment Date." When we receive a payment instruction (for the current or a future date), we will send a payment to the payee on your behalf from the funds in your Bill Pay Account on the Payment Date. We will not be obligated to make a payment unless your Bill Pay Account or linked overdraft protection account has sufficient collected funds or credit availability to make the payment on the Payment Date. Funds for all payments (whether we make these payments electronically or by check) will be initiated on the scheduled Payment Date. Electronic payments immediately withdraw funds from your Bill Pay Account, but check payments are paid when the check is presented against the sufficiently funded Bill Pay Account. B. No Duty to Monitor Payments. We do not have any duty to monitor the payments that are made through the Bill Pay Service. C. Stop or Change Instructions. You have the right to stop or change any scheduled payment before the payment is processed. For stop payment requests initiated after processing, you may initiate a stop payment request through Online Banking or by contacting the Bank. Payments remitted electronically cannot be stopped. If you ask us to cancel a payment after it is issued and we agree to do so, then a stop payment fee will be assessed. D. Scheduling Payments. There will be a delay between the Payment Date (the date your payment is sent) and the date the payee receives that payment. Any payments made through the Bill Pay Service require sufficient time for your payee to receive your payment and credit your account properly. To avoid incurring a finance or other charge, you must schedule a payment sufficiently in advance of the due date of your payment. When you schedule payments, YOU MUST SCHEDULE THE PAYMENT AT LEAST 7 FULL BUSINESS DAYS PRIOR TO THE DATE THE PAYMENT IS DUE AT YOUR PAYEE FOR CHECK PAYMENTS AND 3 FULL BUSINESS DAYS FOR ELECTRONIC PAYMENTS. For such scheduling purposes, your first business day is the business day after your scheduled payment date. Payments must be scheduled before 11 a.m. (Mountain Time) to be effective the same business day. E. Bank Errors. If the Bank does not properly complete a payment on time or in the correct amount, we will pay any late fees or finance charges up to $50.00 that you reasonably incurred as a result as long as your account was in good standing with the payee prior to this incident. We will also be liable to you if we fail to stop a payment pursuant to your order to do so, so long as your order describes the payment with reasonable certainty and is received at a time and in a manner that affords us a reasonable opportunity to act on it before the payment is sent. Except as stated in this Agreement, any stop payment provisions of the agreement otherwise governing your eligible account that is applicable to checks will also apply to the Bill Pay Service. We will not be responsible for any charges imposed or any other action taken by a payee resulting from a payment that you have not scheduled properly, including any applicable finance charges and late fees. In addition, we will not be liable if any third party through whom any payment is to be made fails to properly transmit the payment to the intended payee. We will also not be liable if: (i) there are insufficient available funds or credit availability in your Bill Pay Account; (ii) if a legal order directs us to prohibit withdrawals from the Bill Pay Account; (iii) if the Bill Pay Account is closed or frozen; or V

4 (iv) if any part of the electronic funds transfer system is not working properly. We will not be liable for indirect, special, or consequential damages arising out of the use of the Bill Pay Service. F. Bill Pay Accounts Accessible by More than One Person. If a Bill Pay Account is owned by more than one person or is accessible by one or more authorized representatives, each such owner or authorized representative may individually enroll in the Bill Pay Service (each such person is referred to as an "enrolled person"). Each enrolled person needs a unique Online Banking User Name and Password. The terms of this Agreement will apply to each enrolled person. Each enrolled person may choose to share the same payee list. Any enrolled person may terminate his or her enrollment in the Bill Pay Service without affecting the Bill Pay Service of any other person using that Bill Pay Account. Any enrolled person may also terminate the Bill Pay Service for the Bill Pay Account, which will terminate the Bill Pay Service of all enrolled persons tied to that Bill Pay Account. G. Termination of Bill Pay Service. If you have the Bill Pay Service and do not schedule or process a payment in your Payment Account via the Bill Pay Service for any three-month period, the Bank may terminate your Bill Pay Service. Additionally, if you close your current Bill Pay Account, you must notify us and designate a new deposit account that will be your Bill Pay Account within 30 days or the Bank may terminate your Bill Pay Service. If the Bank terminates your Bill Pay Service, your online payment information will be lost. If you decide to terminate the Bill Pay Service, we strongly suggest that you cancel all future payments at the same time that you cancel your Bill Pay Service, either by deleting those payments yourself using the Bill Pay Service or by calling Customer Service at This will ensure that future payments made by you will not be duplicated. We will automatically delete all outstanding payment orders (all individual payments and all recurring payments) once we have been notified that your Bill Pay Service has been terminated. Termination of the Bill Pay Service will not automatically close your eligible accounts. VI. Software, Equipment and Warranty Disclaimers In using Online Banking you will be sending financial and other data as well as electronic messages directly to Bank through the Internet. You acknowledge that when the Internet, or any other electronic communications facilities, are used to transmit or receive data and messages, the data and the messages may be accessed by unauthorized third parties. To reduce the likelihood of such third-party access, you agree to transmit and receive data and messages through Online Banking using only software, including, but not limited to, browser software, or other access devices that support the secure socket layer (SSL) protocol or other protocols required by, or acceptable to, Bank, and to follow Bank s log-on procedures that support such protocols. You are responsible for providing and maintaining any equipment that is necessary for the Services, such as telephones, terminals, modems and computers. You agree to use equipment that is compatible with our programs, systems and equipment, which we may change from time to time. We assume no responsibility for the defects or incompatibility of any hardware or software that you use in connection with the Services, even if we have previously approved their use. Bank will not be your agent, advisor or fiduciary with respect to this Agreement, Online Banking, or any Service. BANK AND ITS AGENTS MAKE NO WARRANTY, EXPRESS OR IMPLIED, IN LAW OR IN FACT, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE OR OF MERCHANTABILITY, OR WARRANTIES OF TITLE OR NON-INFRINGEMENT OF THIRD PARTY RIGHTS, WITH RESPECT TO ONLINE BANKING OR ANY OF THE SERVICES, OR ANY COMPUTER PROGRAMS OR SOFTWARE MADE AVAILABLE TO YOU. BANK MAKES NO OTHER WARRANTY, PROMISE, COMMITMENT, GUARANTEE, OR REPRESENTATION WITH RESPECT TO ONLINE BANKING OR THE SERVICES EXCEPT THOSE EXPRESSLY STATED IN THIS AGREEMENT. All Online Banking and Services specifications, materials, plans and other attributes developed or utilized by Bank and all related software are and shall remain the proprietary property of Bank. You may not disclose, transfer, distribute, copy, reverse engineer, modify, or alter such specifications, materials, plans, attributes and software. Upon termination of this Agreement all such materials must be returned to us upon request. V

5 VII. Accounts You will need to designate in this Agreement and in other circumstances certain accounts for specific purposes in connection with some of the Services. Online Banking does not recognize instances in which account documentation requires more than one signature or the signature of certain representatives. If you designate nonetheless an account that requires more than one signature for the advance, withdrawal or transfer of funds, you agree that we may act upon any Service instruction that is submitted by you for that account and the related Service. This may mean that we will act upon the instruction of only ONE person (e.g., to transfer or advance funds, to wire funds or to make payments online), even though the signature card or credit documentation for the account in question requires two or more signatures on checks or requires the signature or direction of one or more representatives with respect to the advance of credit. As long as an instruction is accompanied by the designated security codes, the transaction will be deemed authorized by you in every respect. In that regard, this Agreement supersedes all such documentation. ACCOUNT ACCESS THROUGH ONLINE BANKING IS SEPARATE AND DISTINCT FROM YOUR EXISTING SIGNATURE ARRANGEMENTS OR OTHER AUTHORIZATION DOCUMENTATION FOR YOUR ACCOUNTS. THEREFORE, WHEN YOU GIVE AN INDIVIDUAL THE AUTHORITY TO ACCESS ACCOUNTS THROUGH ONLINE BANKING, THAT INDIVIDUAL MAY HAVE ACCESS TO ONE OR MORE ACCOUNTS TO WHICH THAT INDIVIDUAL WOULD NOT OTHERWISE HAVE SIGNATURE OR AUTHORIZATION ACCESS, INCLUDING ACCOUNTS THAT PROVIDE FOR THE EXTENSION OF CREDIT BY US. YOU ASSUME THE ENTIRE RISK FOR THE FRAUDULENT, UNAUTHORIZED OR OTHERWISE IMPROPER USE OF YOUR ID CODES OR PASSWORDS. WE SHALL BE ENTITLED TO RELY ON THE GENUINENESS AND AUTHORITY OF ALL INSTRUCTIONS WHEN ACCOMPANIED BY SUCH ID CODES OR PASSWORDS, AND TO ACT ON SUCH INSTRUCTIONS. VIII. Fees You agree to pay us the fees we establish for Online Banking and for each of the Services. You will be provided a copy of our Fee Schedule. We may amend our Fee Schedule from time to time. Certain fees are subject to change without prior notice. Special or additional services performed at your request will be subject to such additional terms. Bank is authorized to automatically debit your accounts for the payment of all fees. In addition to the Online Banking and the Service fees, you agree to pay for all taxes, tariffs and assessments levied or imposed by any government agency in connection with the Services, this Agreement, and the software or equipment made available to you (excluding any income tax payable by us). You also are responsible for the costs of any communication lines and any data processing charges payable to third parties. IX. Access to Account Data Some of the Services provide you with balance and other account information. Since certain information and transactions are not processed by us until after the close of our business day, some transactions may not be reflected in the system until the next banking day. Posted items may be reversed due to insufficient funds, stop payment orders, legal process, and other reasons. Certain balances also may not be subject to immediate withdrawal. We assume no responsibility for any loss arising from incomplete information or for any temporary interruption in our information system. If you are unable to access our system for any reason, you can contact Customer Service at for loan and deposit information. A. Information You Provide to Us X. Information Processing and Reporting Online Banking and each of the Services require us to receive, process, and report information involving your accounts and transactions. We will not be responsible for determining the accuracy, timeliness, or completeness of V

6 any information that you or others provide to us. We will not have a duty to interpret the content of any data transmitted to us, except to the limited extent set forth in this Agreement. Unless otherwise agreed in writing, we will not be required (by means of any security procedure or otherwise) to detect errors in the transmission or content of any information we receive from you or third parties. You assume the sole responsibility for providing us with complete and accurate information in the form and format that we require (e.g., Bill Pay). We are not responsible for confirming such information, or for monitoring or refusing to process duplicate instructions by you or your agents. We are not obligated to detect errors in your transfer or payment instructions. B. Your Instructions You must accurately describe transaction beneficiaries, intermediary financial institutions, and the beneficiary s financial institution in transfer and payment instructions. If you describe any beneficiary or institution inconsistently by name and number, other institutions and we may process the transaction solely on the basis of the number, even if the number identifies a person or entity different from the named beneficiary or institution. C. Your Review You acknowledge that it is not possible for the use of Online Banking to be totally free from operator, programming, or equipment error, and that errors in processing and compiling data may occasionally occur (e.g., due to the failure of others to provide accurate information, telecommunication failures, or a breakdown in an electronic data interchange). As such, you agree to review and verify all results and to maintain adequate controls for insuring both the accuracy of data transmissions and the detection of errors. Unless otherwise required by law, our sole responsibility for any reporting errors caused by us will be to reprocess the information for the period in question and to provide corrected reports at our own expense. You agree to maintain adequate backup files of the data you submit for a reasonable period of time in order to facilitate any needed reconstruction of your transactions (e.g., in the event of a telecommunication failure). Nothing in this Agreement shall relieve you from 1) any responsibility imposed by law, regulation or contract with regard to the maintenance of records, or 2) any responsibility to perform audits and account reviews customarily conducted by persons or entities whose businesses are similar to your business. If we are unable to provide a Service for any reason, we will promptly inform you of the problem and will take commercially reasonable steps to resume processing. D. and Internet If you send us , we may not receive or review it immediately. We will have a reasonable time to act upon any request or notice, and reserve the right to reject any transaction or request received by . You acknowledge that, even though may be encrypted, we cannot ensure that it will not be intercepted or affected by the actions or omissions of others, such as third-party networks or persons with access to the Internet. As such, we recommend that you not send account data or other sensitive information to us by . Your use of the Internet will be entirely at your own risk. We make no representation, warranty or endorsement with respect to 1) information placed on the Internet by you or third parties; 2) the security or continued availability of the Internet or of any Internet website, including without limitation our website; or 3) the services, products or information made available over the Internet by you or others whose sites may be accessed, directly or indirectly, as a result of our Services. We assume no responsibility for viruses created by third parties, or for any third party s unauthorized access to, or use of, your computer system. You agree that 1) Internet services are provided to you on an as-is and as-available basis, without warranties of any kind, either express or implied; 2) we, our affiliates, Internet service providers, and licensors will not be liable for any errors, defects in, or the untimeliness or lack of authenticity of, any information provided over the Internet; 3) you will comply with all laws applicable to your Internet activities; V

7 4) you will not transmit any information which is defamatory, abusive, or which may give rise to civil liability; 5) we may monitor your and Internet communications with our employees; and 6) our Internet service will be subject to the additional qualifications and operating rules, if any, set forth on our website. XI. Reliance on Third Parties Our ability to provide certain Services (e.g., in connection with electronic data-interchange) is dependent upon our ability to obtain or provide access to third-party networks. In the event any third-party network is unavailable or we determine, in our discretion, that we cannot continue providing any third-party network access, we may discontinue the related Service or may provide the Service through an alternate third-party network. In such situations, we will have no liability for the unavailability of access. We will not be responsible for any services you receive from thirdparty vendors. XII. Your Duty to Detect Errors and Discrepancies The Bank shall provide you with certain notices and periodic statements of accounts maintained at the Bank. You will examine these notices and statements promptly and will notify Bank in writing of any discrepancy concerning any payment order within 30 days of receipt of the notice or statement. If you fail to notify Bank within 30 days of receipt of notice or statement, You are precluded from asserting, on any grounds or for any reason, that the Bank is not entitled to debit your account or retain payment for any wire transfer; or that you are entitled to compensating interest. The maximum number of days for which the Bank will be liable for lost interest under this agreement shall be 30 days calculated at the average Fed Funds Rate at the Federal Reserve Bank for the period involved. XIII. Laws and Regulations May Supersede this Agreement This Agreement shall be subject to any applicable law, including but not limited to Utah Code Sections 70A-4a-101 et seq. and the regulations of the Board of Governors of the Federal Reserve System and operating circulars of the Federal Reserve Banks, as they now exist or may be hereafter amended or promulgated. In the event of any inconsistency, this Agreement shall govern to the extent permitted by such applicable law. XIV. Other General Provisions We may terminate this Agreement and/or your access to Online Banking or any Service through Online Banking, in whole or in part, at any time. Such access may be may be reinstated by us, at our discretion, at any time. If reinstated, the then current terms of this Agreement will control. If you do not access an eligible account via Online Banking for any six-month period, we may put a hold on the eligible account. If there is no access during the following month, we may delete the eligible account from Online Banking. If you wish to cancel any of your access to Online Banking or any Services, contact the Bank at or send us cancellation instruction. Unless otherwise required by applicable law, in the event that we are required to provide a notice or other communication to you in writing, that notice or other communication may be sent to you electronically through Online Banking or to your internet address as reflected in our then current records. Any such electronic mail sent to you by the Bank will be considered received within two days of the date sent by the Bank, regardless of whether or not you sign on to Online Banking within that time frame. The circumstances under which we will disclose information about you, your eligible accounts, or your Online Banking is set forth in the information that has been separately disclosed to you in the contracts, notices, and disclosures that have been separately provided to you and in accordance with our privacy policy disclosed at our Website. We will allow you access through the Website to our systems solely for the purpose of Online Banking and you agree that you will not access our systems for any other purposes. You agree not to access our Website or systems for any illegal, immoral or unethical purposes, including denying access to others, circumventing our security measures or attempting to improperly access or alter any data stored on our systems. V

8 Bank will not be liable to you for any direct or indirect damages or losses suffered or incurred by you in connection with the Online Banking, any of the Services, any other information or data you receive through the Online Banking, or any failure to provide, or delay in providing, access to the Online Banking or any Service, except to the extent any Service documentation specifically provides otherwise and except to the extent such damages or losses arise directly from the gross negligence or willful misconduct of Bank. Notwithstanding any provision of this Agreement or any Service documentation to the contrary, IN NO EVENT WILL BANK HAVE LIABILITY FOR ANY CONSEQUENTIAL, SPECIAL, PUNITIVE, OR INDIRECT DAMAGES OR LOSSES WHETHER ANY CLAIM FOR SUCH DAMAGES OR LOSSES IS BASED ON TORT OR CONTRACT OR WHETHER BANK KNEW OR SHOULD HAVE KNOWN THE LIKELIHOOD OF SUCH DAMAGES IN ANY CIRCUMSTANCE. In addition to, and not in substitution for, any provision in this Agreement or the Service documentation, you understand and agree that Bank will not be obligated to permit you access to any financial information or the use of any Service through the Online Banking if (a) such use or access is not in accordance with any term or condition applicable to the Service or the Online Banking or to the information to be accessed, (b) such use or access is not permitted by any state or federal law or regulation, (c) Bank has reasonable cause to believe that such use or access may not be authorized by you or any third person whose authorization Bank believes is necessary for such use or access, or (d) Bank has reasonable cause to deny such use or access for your protection or the protection of Bank. If any Service cannot be used through the Online Banking, Bank will make reasonable efforts for such Service to be used by other means. Bank shall not be deemed to have waived any of its rights or powers under this Agreement unless such waiver is in writing and such writing is signed by an authorized representative of Bank. No delay, extension of time, compromise, or other indulgence which may occur or be granted from time to time by Bank under this Agreement shall impair the rights or powers of Bank under this Agreement. Bank may amend this Agreement or add to this Agreement at any time upon written notice to you. You will be deemed to have accepted an amendment of, or an addition to, this Agreement if any of your Users use any Service through the Online Banking more than seven (7) calendar days after you receive notice of such amendment or addition. We may assign or delegate certain of our rights and responsibilities under this Agreement to independent contractors or other third parties. Your rights, duties and obligations under this Agreement may not be assigned by you without the prior written consent of Bank. Your rights and obligations and the rights and obligations of Bank under or in connection with this Agreement will be governed by and be subject to the laws of the State of Utah. If any provision of this Agreement shall be invalid, illegal or unenforceable in any jurisdiction, the validity, legality and enforceability of such provision in other jurisdictions, and of the remaining provisions of this Agreement in all jurisdictions, shall not in any way be affected or impaired. This Agreement and all other Online Banking agreements signed by you in favor of Bank set forth the entire and only agreement between you and Bank with respect to your use of the Online Banking. With respect to the subject matter of this Agreement, any prior agreements, representations, statements, negotiations, undertakings, promises or conditions, whether oral or written, with respect to the Online Banking which conflict with the provisions in this Agreement between you and Bank are superseded by this Agreement. V

ONLINE BUSINESS BANKING T ERMS AND C ONDITIONS

ONLINE BUSINESS BANKING T ERMS AND C ONDITIONS ONLINE BUSINESS BANKING T ERMS AND C ONDITIONS ONLINE BUSINESS BANKING T ERMS AND C ONDITIONS These Online Business Banking Terms and Conditions, including without limitations each applicable Service Addendum,

More information

ONLINE COMMERCIAL CASH MANAGEMENT SERVICE AGREEMENT & DISCLOSURE

ONLINE COMMERCIAL CASH MANAGEMENT SERVICE AGREEMENT & DISCLOSURE ONLINE COMMERCIAL CASH MANAGEMENT SERVICE AGREEMENT & DISCLOSURE This agreement ("Agreement") is made by and between First Commercial Bank (USA) ("we, us" and "Bank") and the undersigned customer ("you").

More information

VANTAGE WEST CREDIT UNION. Online Business Banking & Cash Management Agreement

VANTAGE WEST CREDIT UNION. Online Business Banking & Cash Management Agreement VANTAGE WEST CREDIT UNION This Agreement sets forth the terms of the Online Business Banking & Cash Management services ( Services ) that VANTAGE WEST CREDIT UNION ("us" and "Credit Union") makes available

More information

MOBILE DEPOSIT AGREEMENT AND DISCLOSURE ONLINE BANKING AGREEMENT ADDENDUM

MOBILE DEPOSIT AGREEMENT AND DISCLOSURE ONLINE BANKING AGREEMENT ADDENDUM MOBILE DEPOSIT AGREEMENT AND DISCLOSURE ONLINE BANKING AGREEMENT ADDENDUM This Addendum ( Addendum ) to the Citizens State Bank of Paola Online Banking Agreement between you and Citizens State Bank of

More information

NOTE: BY CLICKING TO AGREE AND BY USE OF THIS SERVICE YOU ARE CONCLUDING A LEGALLY BINDING AGREEMENT. READ CAREFULLY.

NOTE: BY CLICKING TO AGREE AND BY USE OF THIS SERVICE YOU ARE CONCLUDING A LEGALLY BINDING AGREEMENT. READ CAREFULLY. INTERNET BANKING SERVICE AGREEMENT NOTE: BY CLICKING TO AGREE AND BY USE OF THIS SERVICE YOU ARE CONCLUDING A LEGALLY BINDING AGREEMENT. READ CAREFULLY. Introduction. This Internet Banking Service Agreement

More information

BUSINESS ONLINE BANKING AGREEMENT

BUSINESS ONLINE BANKING AGREEMENT BUSINESS ONLINE BANKING AGREEMENT This Business Online Banking Agreement ("Agreement") establishes the terms and conditions for Business Online Banking Services ( Service(s) ) provided by Mechanics Bank

More information

Chambers Bank Business Internet Banking Agreement

Chambers Bank Business Internet Banking Agreement Chambers Bank Business Internet Banking Agreement 1. INTRODUCTION. Chambers Bank Business Online Banking is a banking and information service that allows its Business Banking clients, via the Internet,

More information

Rollstone Bank & Trust Business Online Bill Pay Agreement

Rollstone Bank & Trust Business Online Bill Pay Agreement Rollstone Bank & Trust Business Online Bill Pay Agreement By choosing to use the Rollstone Bank & Trust Online Bill Pay, you agree to the terms and conditions in this Agreement. Please read this Agreement

More information

PLEASE CAREFULLY REVIEW THESE TERMS AND CONDITIONS BEFORE PROCEEDING:

PLEASE CAREFULLY REVIEW THESE TERMS AND CONDITIONS BEFORE PROCEEDING: Citizens Bank Mobile Deposit Agreement PLEASE CAREFULLY REVIEW THESE TERMS AND CONDITIONS BEFORE PROCEEDING: The Mobile Deposit Agreement (the Agreement ) is entered into by Citizens Bank (the Financial

More information

BILL PAYMENT AGREEMENT

BILL PAYMENT AGREEMENT BILL PAYMENT AGREEMENT BILL PAYMENT SERVICE This is your bill paying agreement with The First National Bank of Ottawa. You may use The First National Bank of Ottawa s bill paying service, Bill Pay, to

More information

BILL PAYMENT AGREEMENT

BILL PAYMENT AGREEMENT BILL PAYMENT AGREEMENT Bill Payment Service This is your bill paying agreement with Community National Bank of Okarche. You may use Community National Bank of Okarche s bill paying service, Bill Pay, to

More information

ONLINE BANKING AGREEMENT

ONLINE BANKING AGREEMENT ONLINE BANKING AGREEMENT This Online Banking Agreement is made by Bank Mutual ( us, we, and our ) and each person with an account accessible through Online Banking ( you and your ). 1. Definitions. The

More information

LEGACY BANK CASH MANAGEMENT AGREEMENT

LEGACY BANK CASH MANAGEMENT AGREEMENT LEGACY BANK CASH MANAGEMENT AGREEMENT This Agreement sets forth the terms of the cash management services ( Services ) that Legacy Bank ("us" and "Bank") makes available to its customers ( you ). By applying

More information

TIMBERWOOD BANK BUSINESS ONLINE CASH MANAGEMENT AGREEMENT Please review the following terms and conditions.

TIMBERWOOD BANK BUSINESS ONLINE CASH MANAGEMENT AGREEMENT Please review the following terms and conditions. TIMBERWOOD BANK BUSINESS ONLINE CASH MANAGEMENT AGREEMENT Please review the following terms and conditions. The undersigned,, (the Company ), hereby requests that Timberwood Bank ( Timberwood ) provide

More information

BILL PAYMENT AGREEMENT

BILL PAYMENT AGREEMENT BILL PAYMENT AGREEMENT Bill Payment Service This is your bill paying agreement with UniBank. You may use UniBank s bill paying service, Bill Pay, to direct UniBank to make payments from your designated

More information

INTERNATIONAL BANK OF CHICAGO

INTERNATIONAL BANK OF CHICAGO INTERNATIONAL BANK OF CHICAGO WIRE TRANSFER AGREEMENT CUSTOMER: ACCOUNT: TELEPHONE: EMAIL: The undersigned Customer desires to use the services of International Bank of Chicago here after referred to as

More information

The Fidelity Bank Mobile Deposit Agreement (rev 12/13)

The Fidelity Bank Mobile Deposit Agreement (rev 12/13) The Fidelity Bank Mobile Deposit Agreement (rev 12/13) PLEASE CAREFULLY REVIEW THESE TERMS AND CONDITIONS BEFORE PROCEEDING: This Mobile Deposit Agreement (the Agreement ) is entered into by The Fidelity

More information

MOBILE DEPOSIT USER AGREEMENT ( AGREEMENT )

MOBILE DEPOSIT USER AGREEMENT ( AGREEMENT ) MOBILE DEPOSIT USER AGREEMENT ( AGREEMENT ) This Mobile Remote Deposit User Agreement ( Agreement ) contains the terms and conditions for the use of Mobile Remote Deposit that Capital Credit Union ( Credit

More information

Focus Bank Mobile Deposit Agreement

Focus Bank Mobile Deposit Agreement Focus Bank Mobile Deposit Agreement PLEASE CAREFULLY REVIEW THESE TERMS AND CONDITIONS BEFORE PROCEEDING: This Mobile Deposit Agreement (the Agreement ) is entered into by Focus Bank (the Financial Institution

More information

FIRST BANK BUSINESS BILL PAY SERVICE TERMS AND CONDITIONS

FIRST BANK BUSINESS BILL PAY SERVICE TERMS AND CONDITIONS FIRST BANK BUSINESS BILL PAY SERVICE TERMS AND CONDITIONS IMPORTANT Please read carefully. This is your agreement with First Bank. By using the First Bank s Business Bill Pay Service you agree to be bound

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

External Funds Transfer Disclosure

External Funds Transfer Disclosure TruMark Financial Credit Union 1000 Northbrook Drive Trevose, PA 19053 External Funds Transfer Disclosure Online Banking External Transfer Service Agreement This external funds transfer service agreement

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

BUSINESS ONLINE BANKING AGREEMENT

BUSINESS ONLINE BANKING AGREEMENT Business Online Enrollment Fax, mail, or email completed form to: 910-576-5023 First Bank Business Support PO Box 600 Wilmington, NC 28401 BusinessSupport@LocalFirstBank.com For questions: 866-435-7208

More information

Albany Bank & Trust Company, N.A. Electronic Business Banking Services Disclosure Agreement

Albany Bank & Trust Company, N.A. Electronic Business Banking Services Disclosure Agreement Albany Bank & Trust Company, N.A. Electronic Business Banking Services Disclosure Agreement This Agreement sets forth the terms of the Electronic Business Banking services ( Services ) that Albany Bank

More information

FAMILY OF BANKS ONLINE BANKING TERMS & CONDITIONS

FAMILY OF BANKS ONLINE BANKING TERMS & CONDITIONS FAMILY OF BANKS ONLINE BANKING TERMS & CONDITIONS This agreement contains the terms and conditions that apply when you use First Chatham Bank s Online Banking. These terms and conditions are in addition

More information

NBT Bank Personal and Business Mobile Banking Terms and Conditions

NBT Bank Personal and Business Mobile Banking Terms and Conditions This NBT Bank Mobile Banking terms and conditions will apply if you use a mobile device to access our Mobile Banking service. When you use NBT Bank s Mobile Banking service, you will remain subject to

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

If you contact us orally, we may require that you send us your complaint or question in writing within 10 business days.

If you contact us orally, we may require that you send us your complaint or question in writing within 10 business days. Please read the 1 st Equity Bank Online Banking Service Agreement and Disclosure. It includes disclaimers of liability and other matters of interest to users. By pressing the ''I Agree'' button, you agree

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

CENTURY BANK REMOTE DEPOSIT ANYWHERE. Introduction How it Works

CENTURY BANK REMOTE DEPOSIT ANYWHERE. Introduction How it Works CENTURY BANK REMOTE DEPOSIT ANYWHERE Introduction How it Works Remote Deposit Anywhere is a new way to make check deposits to your Century Bank checking or savings account using your iphone, ipad or Android

More information

First Federal Bank Online Banking Terms and Conditions Agreement Online Banking Service Business Online Banking Service Bill Payment Mobile Banking

First Federal Bank Online Banking Terms and Conditions Agreement Online Banking Service Business Online Banking Service Bill Payment Mobile Banking First Federal Bank Online Banking Terms and Conditions Agreement Online Banking Service Business Online Banking Service Bill Payment Mobile Banking First Federal Bank s Online Banking is available to all

More information

Transfer funds between your savings, checking, and money market accounts.

Transfer funds between your savings, checking, and money market accounts. OREGON STATE CREDIT UNION The Online Account Access Service and Mobile Banking Service are included within our Electronic Fund Transfers Agreement and Disclosures (EFT). You will find the full text of

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

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

Wire Transfer Agreement

Wire Transfer Agreement Account Number Wire Transfer Agreement These are the terms and conditions whenever you request a wire transfer of funds to or from your account(s) with us based upon your oral or written request. We will

More information

Mobile Banking and Mobile Deposit Terms & Conditions

Mobile Banking and Mobile Deposit Terms & Conditions Mobile Banking and Mobile Deposit Terms & Conditions PLEASE CAREFULLY REVIEW THESE TERMS AND CONDITIONS BEFORE PROCEEDING: This Mobile Banking and Mobile Deposit Addendum ( Addendum ) to the Old National

More information

ONLINE BANKING DISCLOSURE AND AGREEMENT

ONLINE BANKING DISCLOSURE AND AGREEMENT ONLINE BANKING DISCLOSURE AND AGREEMENT Please note: Our website is best viewed using the most updated version of Microsoft Internet Explorer, Apple Safari (Mac, iphone, ipad, etc.), Google Chrome, and

More information

SAMPLE RETURN POLICY

SAMPLE RETURN POLICY DISCLAIMER The sample documents below are provided for general information purposes only. Your use of any of these sample documents is at your own risk, and you should not use any of these sample documents

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

Farmers & Merchants State Bank Internet Banking Disclosure and Agreement

Farmers & Merchants State Bank Internet Banking Disclosure and Agreement Farmers & Merchants State Bank Internet Banking Disclosure and Agreement This agreement states the terms and conditions that apply when you use Farmers & Merchants State Bank's Internet Banking service.

More information

Online Banking Agreement and Disclosures

Online Banking Agreement and Disclosures Online Banking Agreement and Disclosures This agreement states the terms and conditions that apply to your use of Online Banking services offered by Eastman Credit Union. Please read this agreement carefully.

More information

First Northern Bank and Trust Co. Business Online Banking Application

First Northern Bank and Trust Co. Business Online Banking Application First Northern Bank and Trust Co. Business Online Banking Application Company Name Tax ID: Address City State ZipCode Contact Name Title Phone # Email Address Fax # Please select the following services

More information

Monarch Business Online Agreement

Monarch Business Online Agreement Monarch Business Online Agreement This Agreement sets forth the terms of the Monarch Business Online Services (the Services ) that Territorial Savings Bank makes available to Territorial Savings Bank Business

More information

MOBILE BANKING SERVICES INCLUDING TEXT MESSAGING AND REMOTE DEPOSIT SERVICE ENROLLMENT TERMS AND CONDITIONS ( END USER TERMS )

MOBILE BANKING SERVICES INCLUDING TEXT MESSAGING AND REMOTE DEPOSIT SERVICE ENROLLMENT TERMS AND CONDITIONS ( END USER TERMS ) MOBILE BANKING SERVICES INCLUDING TEXT MESSAGING AND REMOTE DEPOSIT SERVICE ENROLLMENT TERMS AND CONDITIONS ( END USER TERMS ) The Mobile Banking Services including Text Messaging and Remote Deposit Service

More information

PO Box 380 301 Main Platte City, MO 64079 (816) 858-2121 www.wells-bank.com

PO Box 380 301 Main Platte City, MO 64079 (816) 858-2121 www.wells-bank.com PO Box 380 301 Main Platte City, MO 64079 (816) 858-2121 www.wells-bank.com Online Banking Service Agreement and Disclosure Statement (For a permanent record print this page.) This agreement states the

More information

London LAWN Terms of Service

London LAWN Terms of Service London LAWN Terms of Service 1. GENERAL This WiFi Service is an Internet access service provided by Downtown London in partnership with Turnstyle Solutions which provides you with access to the Internet

More information

Mobile Banking Disclosure Statement

Mobile Banking Disclosure Statement Mobile Banking Disclosure Statement This disclosure provides information about Centier Mobile Banking services. By using this service you agree to the terms and conditions stated below and any other terms

More information

Mobile Banking Service Agreement

Mobile Banking Service Agreement Effective: 9/17/2014 Mobile Banking Service Agreement (Addendum to your Online Banking Service Agreement or Business Internet Banking Service Agreement) I. Introduction Parties and Definitions This Mobile

More information

Hours of Accessibility, Daily Processing Deadlines and Reviewing Transactions. The Farmers National Bank of Lebanon s Online Service Agreement

Hours of Accessibility, Daily Processing Deadlines and Reviewing Transactions. The Farmers National Bank of Lebanon s Online Service Agreement 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 Client Agreement and Disclosure Statement

Online Banking Client Agreement and Disclosure Statement Online Banking Client Agreement and Disclosure Statement Read this agreement carefully and print or download a copy for your files! In this agreement, "you," "your," and "yours" refer to each of you that

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

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

Olympic Web Design, Inc. Web Hosting Agreement Terms and Conditions

Olympic Web Design, Inc. Web Hosting Agreement Terms and Conditions Olympic Web Design, Inc. Web Site Hosting Agreement v1.4a Last Revised: Nov. 20, 2009 Olympic Web Design, Inc. Web Hosting Agreement Terms and Conditions The following agreement is by and between Olympic

More information

BILL PAYMENT SERVICE TERMS AND CONDITIONS

BILL PAYMENT SERVICE TERMS AND CONDITIONS BILL PAYMENT SERVICE TERMS AND CONDITIONS IMPORTANT Please read carefully. This is your agreement with North Middlesex Savings Bank. By using the North Middlesex Savings Bank s Bill Payment Service you

More information

Commercial Internet Banking Agreement and Disclosures

Commercial Internet Banking Agreement and Disclosures Rev. 4/2015 Commercial Internet Banking Agreement and Disclosures 1. Coverage. This Agreement applies to your use of our commercial Internet Banking Service, which permits you to access your accounts with

More information

CARIBBEAN COMMERCIAL BANK (ANGUILLA) LTD. INTERNET BANKING SERVICE AGREEMENT ~ PERSONAL

CARIBBEAN COMMERCIAL BANK (ANGUILLA) LTD. INTERNET BANKING SERVICE AGREEMENT ~ PERSONAL I. General Terms and Conditions A. Introduction CARIBBEAN COMMERCIAL BANK (ANGUILLA) LTD. INTERNET BANKING SERVICE AGREEMENT ~ PERSONAL This Internet Banking Service Agreement ("Agreement") governs 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

online banking, billpay & electronic services agreement

online banking, billpay & electronic services agreement online banking, billpay & electronic services agreement Password and Security You agree not to give or make available your Online Banking access password to any unauthorized individuals. You are responsible

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

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

Mid Carolina CU Internet Online Banking Services Terms and Conditions

Mid Carolina CU Internet Online Banking Services Terms and Conditions Mid Carolina CU Internet Online Banking Services Terms and Conditions This Agreement is the contract which covers your and our rights and responsibilities concerning the Home Banking services offered to

More information

M&T HSA Internet Banking Agreement

M&T HSA Internet Banking Agreement M&T HSA Internet Banking Agreement NOTICE OF ARBITRATION AGREEMENT A separate Arbitration Agreement applies to this Agreement. You should read the Arbitration Agreement. It will govern how you or we resolve

More information

Tuition Online Banking Agreement and Disclosure

Tuition Online Banking Agreement and Disclosure Tuition Online Banking Agreement and Disclosure I. TUITION ONLINE BANKING Please read carefully the Tuition Online Banking Agreement for First Bank and Trust's ( FBT ) Tuition Online Banking system. The

More information

E-Sign Disclosure and Agreement for River City Bank s Mobile Banking Application

E-Sign Disclosure and Agreement for River City Bank s Mobile Banking Application Please take this opportunity to review the following disclosures and information about accessing your River City Bank (RCB) accounts through the Mobile Banking App: E-Sign Disclosure and Agreement for

More information

FIRST REPUBLIC BANK ONLINE BANKING AGREEMENT

FIRST REPUBLIC BANK ONLINE BANKING AGREEMENT FIRST REPUBLIC BANK ONLINE BANKING AGREEMENT I. Introduction This Agreement between you and First Republic Bank ("Bank"), governs the use of the Bank's Internet Banking services ("Online Banking"). These

More information

BMO HARRIS ONLINE BANKING SERVICES AGREEMENT EFFECTIVE AS OF OCTOBER 13, 2013 TABLE OF CONTENTS SECTION HEADING PAGE I. ENROLLMENT...

BMO HARRIS ONLINE BANKING SERVICES AGREEMENT EFFECTIVE AS OF OCTOBER 13, 2013 TABLE OF CONTENTS SECTION HEADING PAGE I. ENROLLMENT... BMO HARRIS ONLINE BANKING SERVICES AGREEMENT EFFECTIVE AS OF OCTOBER 13, 2013 TABLE OF CONTENTS SECTION HEADING PAGE I. ENROLLMENT...1 II. SETUP AND USE OF ONLINE BANKING....1 A. Eligibility...1 B. Access...2

More information

CUSTOMERS BANK FUNDS TRANSFER AND POPMONEY AGREEMENT

CUSTOMERS BANK FUNDS TRANSFER AND POPMONEY AGREEMENT CUSTOMERS BANK FUNDS TRANSFER AND POPMONEY AGREEMENT This Funds Transfer and Popmoney Agreement ("Agreement") is a contract that governs your ability to use an online money movement service provided to

More information

ZIMPERIUM, INC. END USER LICENSE TERMS

ZIMPERIUM, INC. END USER LICENSE TERMS ZIMPERIUM, INC. END USER LICENSE TERMS THIS DOCUMENT IS A LEGAL CONTRACT. PLEASE READ IT CAREFULLY. These End User License Terms ( Terms ) govern your access to and use of the zanti and zips client- side

More information

ONLINE BANKING APLICATION

ONLINE BANKING APLICATION ONLINE BANKING APLICATION Taken by: Initials CUSTOMER INFORMATION Extension Name: New User Existing User Modification Address: TIN/SSN: City: State: Zip: Home Phone: Work Phone: Account Name List all the

More information

BANK OF CHINA INTERNET BANKING SERVICE (BOCNET) CUSTOMER SERVICE AGREEMENT

BANK OF CHINA INTERNET BANKING SERVICE (BOCNET) CUSTOMER SERVICE AGREEMENT BANK OF CHINA INTERNET BANKING SERVICE (BOCNET) CUSTOMER SERVICE AGREEMENT 1. Introduction This Agreement (the "Bank of China Internet Banking Service (BOCNET) Customer Service Agreement" or this Agreement

More information

Business Online Banking Agreement Effective Date: June 2013

Business Online Banking Agreement Effective Date: June 2013 Business Online Banking Agreement Effective Date: June 2013 1. Introduction 2. Services 3. Linked Accounts 4. Security Procedures and Customer Instructions 5. Service Interruption 6. e-statements 7. Bill

More information

BILL PAYMENT SERVICE TERMS AND CONDITIONS

BILL PAYMENT SERVICE TERMS AND CONDITIONS BILL PAYMENT SERVICE TERMS AND CONDITIONS IMPORTANT Please read carefully. This is your agreement with Twin River National Bank. By using Twin River National Bank s Bill Payment Service you agree to be

More information

Automatic Recurring Payment Application

Automatic Recurring Payment Application Automatic Recurring Payment Application Schedule your payment to be automatically charged to your credit card. Just complete and sign this form to get started! Here s How Recurring Payments Work: You authorize

More information

Covered California. Terms and Conditions of Use

Covered California. Terms and Conditions of Use Terms and Conditions of Use Contents: Purpose Of This Agreement Privacy Policy Modification Of This Agreement Permission To Act On Your Behalf How We Identify You Registration Additional Terms For Products

More information

These TERMS AND CONDICTIONS (this Agreement ) are agreed to between InfluencersAtWork,

These TERMS AND CONDICTIONS (this Agreement ) are agreed to between InfluencersAtWork, TERMS AND CONDITIONS INFLUENCERS AT WORK These TERMS AND CONDICTIONS (this Agreement ) are agreed to between InfluencersAtWork, Ltd. ( InfluencerAtWork ) and you, or if you represent a company or other

More information

Technical Help Desk Terms of Service

Technical Help Desk Terms of Service Technical Help Desk Terms of Service This esecuritel Technical Help Desk Terms of Service (the Agreement ) is provided in connection with the eligible tablet enrolled in either the Advanced Protection

More information

KEMBA ONLINE BILL PAY AGREEMENT AND DISCLOSURE

KEMBA ONLINE BILL PAY AGREEMENT AND DISCLOSURE KEMBA ONLINE BILL PAY AGREEMENT AND DISCLOSURE BILL PAYMENT OVERVIEW KEMBA Peoria Credit Union offers bill pay services for Internet Banking users from ipay Solutions. Bill Payment provides the capability

More information

ONLINE ACCESS AND BILL PAY AGREEMENT AND DISCLOSURE STATEMENTS

ONLINE ACCESS AND BILL PAY AGREEMENT AND DISCLOSURE STATEMENTS ONLINE ACCESS AND BILL PAY AGREEMENT AND DISCLOSURE STATEMENTS I. ONLINE ACCESS AGREEMENT AND DISCLOSURE STATEMENT This agreement states the terms and conditions that apply when you open qualifying account(s)

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

Mobile Banking Service Agreement (Addendum to your Primary Online Banking Service Agreement)

Mobile Banking Service Agreement (Addendum to your Primary Online Banking Service Agreement) Mobile Banking Service Agreement (Addendum to your Primary Online Banking Service Agreement) I. INTRODUCTION PARTIES AND DEFINITIONS This Mobile Banking Service Agreement (as amended from time to time,

More information

BILL PAYMENT SERVICE TERMS AND CONDITIONS

BILL PAYMENT SERVICE TERMS AND CONDITIONS BILL PAYMENT SERVICE TERMS AND CONDITIONS IMPORTANT Please read carefully. By using the TIAA-CREF Trust Company, FSB Bill Payment Service you agree to be bound to the terms and conditions herein. DEFINITIONS

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

Industrial Bank Commercial Bill Payment Application Schedule/Addendum (C) 1of 6

Industrial Bank Commercial Bill Payment Application Schedule/Addendum (C) 1of 6 Schedule/Addendum (C) 1of 6 You may use the Internet Banking Service to authorize automatic payments to pay recurring bills or to make recurring transfers from one account to another, provided that the

More information

Acceptance of Terms. Terms of Service. Privacy Policy. Terms Applicable to All Products and Services. Last Updated: January 24, 2014

Acceptance of Terms. Terms of Service. Privacy Policy. Terms Applicable to All Products and Services. Last Updated: January 24, 2014 Acceptance of Terms Last Updated: January 24, 2014 Terms of Service Please read this Terms of Service Agreement carefully. MedicaidInsuranceBenefits.com ("MedicaidInsuranceBenefits.com," "our," "us") provides

More information

Cordova Telephone Cooperative/Cordova Wireless Communications. Internet Service Agreement

Cordova Telephone Cooperative/Cordova Wireless Communications. Internet Service Agreement Cordova Telephone Cooperative/Cordova Wireless Communications This agreement governs the terms and conditions under which Cordova Telephone Cooperative, Inc., operating under the service mark ctcak.net;

More information

Business Mobile Deposit Capture Terms & Conditions

Business Mobile Deposit Capture Terms & Conditions Business Mobile Deposit Capture Terms & Conditions DESCRIPTION The mobile deposit capture services ("Mobile Deposit" or "Services") are designed to allow you to make deposits to your checking, money market

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

Bank Independent Bank to Bank Transfer Addendum (Consumers Only)

Bank Independent Bank to Bank Transfer Addendum (Consumers Only) Bank Independent Bank to Bank Transfer Addendum (Consumers Only) This Bank to Bank Transfer Addendum (this Addendum ) is an addendum to your Online Banking Agreement and Electronic Funds Transfer Act Notice,

More information

WHITEFISH CREDIT UNION ONLINE CHECKING, BILL PAY, & RDC ACCOUNT AGREEMENT AND DISCLOSURE (June 2015)

WHITEFISH CREDIT UNION ONLINE CHECKING, BILL PAY, & RDC ACCOUNT AGREEMENT AND DISCLOSURE (June 2015) WHITEFISH CREDIT UNION ONLINE CHECKING, BILL PAY, & RDC ACCOUNT AGREEMENT AND DISCLOSURE (June 2015) ONLINE CHECKING This Online Checking Agreement and Disclosure ("Agreement") describes your rights and

More information

We suggest you retain a copy of these End User Terms of Use for your records.

We suggest you retain a copy of these End User Terms of Use for your records. END USER TERMS OF USE The use of Incident Response Technologies Inc. s ("IRT") Software is offered to you upon your acceptance of these End User Terms of Use. By using IRT s software (the Software ), you

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

1. "Bill Payment" means our service that allows you to pay or transfer funds to designated Payee(s) in connection with our Home Banking Service.

1. Bill Payment means our service that allows you to pay or transfer funds to designated Payee(s) in connection with our Home Banking Service. I. HOME BANKING AND BILL PAYMENT SERVICES. This Home Banking Agreement ( Agreement ) is between Arizona Federal Credit Union (hereinafter we, us, our or Credit Union ), and each member who has enrolled

More information

BOC Credit Card (International) Limited - Terms and Conditions for Online Services

BOC Credit Card (International) Limited - Terms and Conditions for Online Services BOC Credit Card (International) Limited - Terms and Conditions for Online Services These terms and conditions are applicable to all users of the Online Services and govern the use of the Online Services,

More information

Mobile Check Deposit (MCD) User Agreement ( Agreement )

Mobile Check Deposit (MCD) User Agreement ( Agreement ) Mobile Check Deposit (MCD) User Agreement ( Agreement ) This Agreement contains the terms and conditions for the use of Mobile Check Deposit and/or other MCD services that Western Sun Federal Credit Union

More information

Heritage Credit Union Mobile Deposit User Agreement Effective: April, 2016

Heritage Credit Union Mobile Deposit User Agreement Effective: April, 2016 Heritage Credit Union Mobile Deposit User Agreement Effective: April, 2016 This Agreement contains the terms and conditions for use of Heritage Credit Union s (HCU) Mobile Deposit service ( Mobile Deposit

More information

ACCESS TO ACCOUNTS VIA THE INTERNET.

ACCESS TO ACCOUNTS VIA THE INTERNET. Internet Banking Service Agreement Terms and Conditions This Internet Banking Services Agreement Terms and Conditions (Agreement) between you and Glacier Bank govern the use First Security Bank, a Division

More information

2. Services. The following services ( Services ) are offered through Business Internet Banking:

2. Services. The following services ( Services ) are offered through Business Internet Banking: Business Internet Banking Service Agreement National Exchange Bank and Trust 130 South Main Street P.O. Box 988 Fond du Lac, WI 54936-0988 (920) 921-7700 This Agreement governs your enrollment and use

More information

BUSINESS ONLINE BANKING ENROLLMENT FORM

BUSINESS ONLINE BANKING ENROLLMENT FORM BUSINESS ONLINE BANKING ENROLLMENT FORM COMPANY INFORMATION Company Name Company Address City State Zip Tax ID Number BUSINESS REQUIREMENTS (Please answer ALL questions) Requesting ability for multiple

More information

ELITEPAY TERMS AND CONDITIONS OF SERVICE EFFECTIVE: November 15, 2014

ELITEPAY TERMS AND CONDITIONS OF SERVICE EFFECTIVE: November 15, 2014 ELITEPAY TERMS AND CONDITIONS OF SERVICE EFFECTIVE: November 15, 2014 These terms and conditions of service ("Terms of Service") apply to your use of this ElitePay payment website (the "Website") and all

More information