Electronic Banking Rules and Regulations

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1 Electronic Banking Rules and Regulations

2 Electronic Banking Rules and Regulations These Electronic Banking Rules and Regulations are a part of the Deposit Account Agreement, Disclosures, Rules and Regulations. You agree to the following terms, conditions, responsibilities, and disclosures by signing a signature card, or by using a Debit MasterCard, Debit MasterCard BusinessCard, Automated Teller Machine card, or by using any of the variety of electronic funds transfer (EFT) services that Northrim Bank (Bank) provides for deposit accounts. The term Card used throughout this disclosure means a Debit MasterCard (Debit Card), Automated Teller Machine (ATM) card, and Debit MasterCard BusinessCard (Business Debit Card). Federal law requires that consumers who make use of a Bank s EFT services in connection with certain deposit accounts must receive the disclosures contained herein before using our electronic services. Generally, an EFT is any transfer of funds initiated through an electronic terminal, telephone, the Bank s Internet banking service for the purpose of ordering, instructing, or authorizing a financial institution to debit or credit an account. The term EFT includes but is not limited to: Point of Sale (POS) transfers ATM transfers Direct deposits or withdrawals of funds Transfers initiated by telephone Transfers initiated by computer Transfers resulting from Debit Card transactions Transfers where a check or similar paper instrument is used as a source of information to initiate a one-time transfer of funds from an account The term EFT does not include: Any transfer of funds initiated by a check or similar paper instrument, or any payment made by check or similar paper instrument Certain check guaranty or authorization plans Transfers by wire between financial institutions or between businesses Individual transfers we initiate under an agreement with you but without your specific request (e.g., automatic savings and automatic loan payments to us from your account) 1

3 Between your account and the account of a family member at the Bank Between your account and an account at the Bank Telephone transfers between you and the Bank which do not take place under a telephone bill payment or other plan providing for periodic or recurring transfers Access Device The Bank may issue you an Access Device so that you may initiate an EFT. An Access Device includes; a Card, a personal identification number(s) (PIN), a Telebanking password, an on-line access code, or a mobile banking access code. Access Device Use You may use your Access Device to: Withdraw cash from your checking or savings account Make deposits to your checking or savings account Transfer available funds between your authorized accounts when requested Pay for purchases at locations that have agreed to accept an Access Device Pay bills directly from your checking account in the amounts and on the days that you request Obtain account balance information (Please note that balance information may not reflect recent transactions, and may include funds that are not available for immediate withdrawal.) Some of these services may not be available at all locations/terminals. Dollar Amount Limitations on Card Transfers The Bank has established Card limits for same-day withdrawals and deposits using your Card. The limits are in place to protect you should your Card or PIN be lost/stolen or otherwise compromised. These limits are in effect for each Card issued on your account and are subject to change. The limits, as noted below, are for the ATM Card, Debit Card, and Business Debit Card. Withdrawals at an ATM Withdrawals at an ATM by a minor* POS purchases & Cash Advances** Debit Card $600 per day $20 - $600* per day $2,500 per day 2

4 POS purchases & Cash Advances** Business Debit Card Deposits at Northrim ATMs $5,000 per day $2,500 or more per day *The parent or guardian will determine the daily withdrawal amount up to the limit specified at the time the account is opened. **The financial institution processing your cash advance may limit the amount of the Cash Advance. Please note that at some ATMs, the withdrawal amount may be limited due to machine constraints and multiple transactions may be necessary to obtain the desired amount up to the daily limit. Additionally, at times, circumstances may cause other card processing networks or the Bank s systems to go offline causing the withdrawal amount to be reduced or a withdrawal or deposit transaction to be rejected until the situation is resolved. Also, you may not make payments with a Card to third parties from savings or money market accounts. When you use your Card to initiate a transaction at certain merchants (e.g., gas stations, hotels and car rentals), a hold may be placed on your account for an amount equal to or in excess of your ultimate transaction. The amount of the hold is established by the location/merchant and not by the Bank. The funds held are not available to you for any other purpose. Any excess is released when the transaction is settled through the system or the hold period expires. Refunds on Purchases You may not receive cash refunds for purchases made with your Card. A merchant may process a credit for merchandise returns or adjustments, which we will apply as a credit to your checking account. Since your Card is not a credit card, any disputes with the merchant regarding the quality, price, or warranty of the goods or services you purchase with your Card, will have to be settled with the merchant directly. We are not responsible for a merchant s actions, including any misrepresentations. Foreign Transactions If your Card is used to conduct a transaction in a foreign currency, MasterCard may convert the transaction to U.S. dollars by using either the government-mandated exchange rate or the wholesale exchange rate in effect one day before the date of the conversion. Additional charges may be assessed. The day of conversion by MasterCard may differ from the purchase date and the posting date identified on your statement. You 3

5 agree to pay any charges and accept credits for the converted international transaction amounts in accordance with these terms. Terminal Transfers When you conduct a transaction you will receive a receipt or have the option to receive a receipt at ATM and Point of Sale terminals that accept your Card. The receipt will indicate the ATM location (this may be in code), the transaction type, date and amount, as well as other information that will assist us in identifying the details of the transaction. It is important that you safeguard this receipt as you would other personal banking information. ATM Safety You agree to exercise discretion when using ATMs and to be aware of your surroundings. We do not guarantee your safety while using an ATM. If there are any suspicious circumstances or any suspicious looking devices on or near the ATM, do not use the ATM. If you notice anything irregular while transacting business at the ATM, cancel the transaction, secure your Card, and leave. Whenever available, park in a well-lighted area near the ATM. If the ATM is in an isolated area, if possible, consider having someone accompany you. Do not accept assistance from anyone while using the ATM. Prepare your deposits at home or at another location before approaching the ATM. Do not display the cash withdrawal; instead, secure the cash and Card, and verify the funds at home or within your locked vehicle. Save your transaction slips and verify them against your account statement when received. Always secure your Card, as you would cash, checks or credit cards. If a crime occurs at an ATM, report all crimes to the ATM operator and local law enforcement officials immediately. Security You agree not to disclose or otherwise make your Access Device available to others. Should you allow any individual to use your Access Device, that person will remain authorized to continue using these items until you notify the Bank, in writing, that authorization has been revoked and the Bank has a reasonable amount of time to act on your notice. The Bank is not liable for any actions taken by the authorized person before you notify the Bank of the revocation. For security reasons, you agree to not write your PIN, password or code 4

6 on your Card, or keep your PIN, password or code in the same location as your Card or other Access Device. If you do not remember your PIN, password or code or want to change it, please visit one of our branches. Access Devices are the property of the Bank and must be returned to us if requested. If you decide you do not want to use the Card, destroy it at once by cutting it in half and notify us in writing. Card Issued to a Minor or Agent If you authorize a minor or an agent to have an Access Device that accesses your account, you accept full responsibility for the use of the Access Device and any obligations incurred that are related to the use of the Access Device and the associated account(s). Verification Any business transacted with an Access Device is not complete until we verify and process the transaction according to our internal policies and applicable law or regulation, regardless of any confirmation or receipt you received at the time the transaction occurred. Fees Fees vary depending on the type of account opened or services used. You will find a comprehensive list of these fees in the Personal Fee Schedule and the Business Fee Schedule. When you use an ATM not operated by us for a transaction or balance inquiry, the ATM operator or any network used to complete the transaction may charge a fee. Internet Banking and Bill Payment Service To use the Internet banking, mobile banking, text banking or bill payment service(s), you must enter into a separate agreement with us. Your rights and obligations regarding Internet banking, mobile banking, text banking, or the bill payment service(s) are more fully explained in that separate agreement. You may complete transfers from your accounts up to the account balance when using these services. If you are not currently enrolled to use these services and you wish to do so, contact the Bank at one of the numbers listed in the Bank Contact Information section located later in this document. Telebanking Service With this service, you can call us 24 hours a day and perform many of the same transactions that you can at a branch with a touch-tone phone and 5

7 your security code. The Telebanking contact numbers are provided in the Bank Contact Information section. Preauthorized Automatic Transfers Preauthorized electronic funds transfers may be made to or from consumer checking and savings accounts by means of a computer, or mobile device. These transfers include preauthorized electronic funds transfers to your account from third parties (e.g., social security, a pension fund or your employer) or from your account to a third party (e.g., checks converted by merchants to Automated Clearing House (ACH) transactions and recurring mortgage or insurance payments through ACH). Preauthorized transactions do not include: (a) transfers initiated by check, draft or similar paper instruments; (b) transfers to or from business or other nonpersonal accounts; (c) individual transfers we initiate under an agreement with you but without your specific request (e.g., automatic savings and automatic loan payments to us from your account); or (d) transfers initiated by telephone. If you arrange to have direct deposits made to your account at least once every sixty (60) days from the same person or company, you may contact us at one of the numbers in the Bank Contact Information section to verify the deposit has been credited. For your protection, we require identifying details about your account before we provide you with this information. The Bank lists deposits made to your account on your monthly statement. Periodic Statements A printed or an electronic statement of the activity on your account is mailed or otherwise made available to you on a monthly basis. For certain types of savings accounts, a statement is made available to you at least quarterly. When there are EFT transactions that occur on the account in a particular month, a monthly statement will be made available to you for the month in which they posted. Right to Stop Pre-authorized Payments and Procedures If you arrange to have regular payments debited from your account in any manner, you may stop those payments by contacting us three (3) business days or more before the payment is scheduled. You can contact us in person at a branch, or at one of the phone numbers in the Bank Contact Information section. If we do not receive your request for stop payment at least three (3) business days prior to the transfer, we may, at our discretion, refuse to attempt the stop payment. If we accept the late request we will 6

8 assume no liability should we not be able to stop the item from posting. Unless you tell us that all future transfers to a specific recipient are to be stopped, we will treat your stop payment order as a request to stop one transfer only. It is your responsibility to notify the designated payee in writing that you are stopping payment. Purchases made with your Card are not eligible for stop payment. If you notify us of your desire to place a stop payment by telephone, we will require written confirmation of the stop payment order delivered to us within fourteen (14) days after your call. If written confirmation is not received within fourteen (14) days, the transaction may not be stopped. Written confirmation can be mailed to the address listed in the Bank Contact Information section. If you notify us to stop one of these payments three (3) business days or more before the scheduled transfer, and we do not do so, we may be liable for your losses or damages. Notice of Varying Amounts If you arrange to make regular payments out of your account that vary in amount, the business or person you are paying will tell you ten (10) days before each payment when the payment will be made and how much it will be. You may choose to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount falls outside of certain limits that you set. You must make such arrangement with the business or person you are paying directly. Electronic Check Conversion (ECK) In an ECK transaction, a consumer or a Business provides a check to a payee such as a merchant who scans the check to capture your account information. The payee or merchant then uses the account information to initiate a one-time EFT in the amount of the transaction from the account. An ECK transaction could occur at a point of sale or as part of an accounts receivable conversion (bill payment) where you mail a check to a payee or merchant and the merchant converts the check to an ECK. The payee or merchant may also reserve the right to collect any fees incurred if your check is not paid. Consumers must consent to an ECK transaction. Generally, this will occur when the payee or merchant provides notice it may convert a check and the consumer elects to go forward with the transaction. In an ECK transaction, funds may be withdrawn from your account as soon as the same day payment is made. Your check will not 7

9 be delivered to us, and as a result, an image of it will not be returned with your account statement. The following checks cannot be electronically converted: Credit card checks Checks drawn on an investment company Checks drawn on a state or local government Checks not payable in U.S. currency A business check in an amount greater than twenty-five thousand dollars ($25,000.00) Confidentiality We will maintain the privacy of your account information in accordance with our privacy policy as outlined in the disclosure, What Does Northrim Bank Do with Your Personal Information? We will disclose information to third parties about your account or the transfers you make: Where it is necessary for completing transfers In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant In order to comply with a government agency or court orders If you give us your written permission Consumer Liability Tell us AT ONCE if you believe your Card, PIN, Telebanking password or on-line access code has been lost or stolen or otherwise compromised or if you believe that an electronic funds transfer has been made without your permission using information from your check. Telephoning is the best way to minimize your possible losses. You could lose all the money in your account plus your maximum overdraft line of credit. If you notify us within two (2) business days after learning of the loss or theft of your Card, PIN, password, or code, you cannot lose more than $50 on unauthorized transactions. If you do NOT notify us within two (2) business days after you learn of the loss or theft of your Card, PIN, password or code, and we can prove we could have stopped someone from using your Card, PIN, password or code without your permission if you had told us, you could lose as much as $500. If your account statement shows transfers that you did not make, including 8

10 those made by Card, code or other means, tell us at once. If you do not tell us within sixty (60) days after the statement showing the unauthorized transfer was mailed or otherwise made available, you may not get back any money you lost after the sixty (60) days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the 2-day and 60-day periods. Zero Liability protects you from unauthorized use of your Card if the following conditions are met: You have exercised reasonable care in safeguarding your Card from the risk of loss, theft or unauthorized use, You have promptly reported to us the loss, theft or unauthorized use of you Card. If you fail to satisfy any of these conditions and someone uses your Card without your authorization, you may be liable for the lesser of $50 or the amount of money, property, labor, or services obtained by the unauthorized use before notification to the Bank. For purposes of this rule, unauthorized use means the use of a MasterCard-branded card by a person other than you who does not have actual, implied, or apparent authority for such use, and from which you did not receive any benefit. Lost or Stolen Card/PIN If you believe your Card, PIN, password, or code has been lost or stolen, or that someone has or may transfer money from your account without your permission, contact us immediately. You should also contact us if you believe a transfer has been made using the information from your check without your permission. You can contact us during regular business hours at one of the numbers indicated in the Bank Contact Information section. Bank Liability If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages directly related to that transfer. In certain instances, our sole responsibility for an error will be to correct the error. In no case are we liable for any indirect, special, incidental or punitive damages. Also we will not be liable for the following if: Through no fault of ours, you do not have available funds in your account to make the transfer The transfer would exceed the credit limit on any permitted 9

11 overdraft line you have with us The ATM where you are making the transfer does not have enough cash The system, ATM or point-of-sale terminal was not working properly and you knew about the problem when you started the transaction Circumstances beyond our control (such as fire or flood) prevent the transfer despite reasonable precautions taken by us The information supplied by you or a third party is not received, is incomplete or erroneous, ambiguous, untimely or if the recipient is deceased The funds in your account are subject to legal process, a funds hold or are otherwise not available for withdrawal The transaction cannot be completed because your Card is damaged There may be other exceptions stated in our agreement with you In Case of Errors or Questions about Your EFTs In case of errors or questions about your EFTs, contact us by telephone or in writing at one of the numbers and/or the address in the Bank Contact Information section as soon as you can. Contact us as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60) days after the first statement showing the problem or error, was mailed or otherwise made available. We will need the following information: Tell us your name and account number (if any) Describe the error or the transfer you are unsure 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 orally, we may require that you send us your complaint or question in writing within ten (10) business days to the address in the Bank Contact Information section. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we 10

12 need more time, however, we may take up to forty-five (45) days to complete our investigation of your complaint or question. If we decide to do this, we will notify you within two (2) business days and we will provisionally credit your account within ten (10) business days for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not, at our discretion, provisionally credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to provisionally credit your account for the amount you think is in error. A new account is one where an EFT to or from the account occurred within 30 days after the first deposit was made. We will tell you of the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation and reverse any provisionally credited amounts. You may ask for copies of the documents that we used in our investigation. Business Accounts and Other Non-personal Accounts Our obligations under the error resolution and liability provisions of this Electronic Rules and Regulations agreement, as well as those printed on the back of periodic statements, and the limitations on your obligations under this agreement, do not in all cases apply to business accounts, nonpersonal accounts, or accounts used primarily for business purpose. Zero Liability protects you from unauthorized use of your Card on purchases made in the store, over the telephone, online or via a mobile device if the following conditions are met: You have exercised reasonable care in safeguarding your Card from the risk of loss, theft or unauthorized use, You have promptly reported to us the loss, theft or unauthorized use of you Card If you fail to satisfy any of these conditions and someone uses your Card without your authorization, you may be liable for the amount of money, property, labor, or services obtained by the unauthorized use before notification to the Bank. To qualify for the Zero Liability the Bank must 11

13 receive notification not later than sixty (60) days after the first statement showing the unauthorized transaction was mailed or otherwise made available. For purposes of this rule, unauthorized use means the use of a MasterCard-branded card by a person other than you who does not have actual, implied, or apparent authority for such use, and from which you did not receive any benefit. Cards that are issued to authorized individuals or agents on a business account are the sole responsibility of the account owner, business or entity. If an agent or authorized signer is removed from an account, the account owner, business or entity is responsible for recovering Cards issued to prevent unauthorized transactions as well as notifying the Bank. ATM transactions and all other EFTs are not subject to zero liability. The owners of those accounts must notify us immediately if they discover any unauthorized transactions or errors, and must send us a written notice of the problem within a reasonable time (not to exceed fourteen (14) days from the date of discovery, or the date of receipt of the first statement or notice reflecting the problem, whichever occurs first). Under no circumstances will the Bank be liable for any special, punitive or consequential damages involving such accounts. We may process transactions that are initiated by means of an Access Device for such accounts or through ACH, even if the transactions are not initiated or authorized by you, unless we are notified in advance that the Access Device has been lost or stolen, or that the transaction is not authorized. Notice of Receipt of ACH Items Under the operating rules of the National Automated Clearing House Association which are applicable to ACH transactions involving your account, the Bank is not required to give next day notice to you of receipt of an ACH item, and we will not do so. However, we will continue to notify you of the receipt of payments in the periodic statements we make available to you. Choice of Law We may accept on your behalf payments to your account which have been transmitted through one or more Automated Clearing Houses and which are not subject to the Electronic Fund Transfer Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the State of Alaska as provided by the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account. 12

14 Bank Contact Information The following telephone numbers and address are for you to contact us with inquiries, disputes, or concerns. Anchorage: Nationwide*: BANK (2265) *This number is available outside of Anchorage. Mailing Address: Customer Service Center P. O. Box Anchorage, AK Telebanking Phone Numbers: Anchorage: or Mat Su: Fairbanks: Toll free: Change in Terms and/or Termination of Service We may change the terms or terminate your use of our electronic fund transfer services at any time, with or without cause and without affecting your outstanding obligations under these Electronic Rules and Regulations. We may terminate or suspend your electronic fund transfer service immediately if: You breach this or any other agreement with us We have reason to believe that there has been or may be an unauthorized use of your account Card, or PIN There are conflicting claims to the funds in your account You request that we do so If you ask us to terminate your account or the use of any Card, you will remain liable for subsequent transactions performed by you or any authorized user. 13

15 Definitions Access Device A Card, code or other means of access to a consumer s account or any combination of such devices that may be used by a consumer to initiate EFTs that allows a consumer to transfer money between accounts or obtain money, property, labor, or services electronically is an access device. Although the Debit MasterCard or ATM Card is usually the most used type of access device, others are available as well. Examples of other access devices are the access codes and passwords associated with Telebanking, Northrim Online, Bill Pay, and Mobile Banking. Automated Clearing House (ACH) The ACH Network is a processing and delivery system that provides for the distribution and settlement of electronic debits and credits between financial institutions. Through this system, you may arrange for pre-authorized debits to your account to pay bills. You can also arrange for pre-authorized credits, such as payroll deposits. Business Day Monday through Friday are business days except when holidays occur on one of these days. Preauthorized EFT A preauthorized EFT is any EFT from your account that you authorize in advance to recur at substantially regular intervals. You can use this service for insurance premium payments, membership dues, and bill payments. You can also use this service for direct deposits of your salary or Alaska Permanent Fund Dividend. Unauthorized EFT An unauthorized EFT is any EFT from a consumers account initiated by a person other than you without actual authority to initiate the transfer and from which you receive no benefit. It does not include any EFTs: 1) initiated by a person furnished with the access device by you, unless you have notified us that transfers by that person are no longer authorized; 2) initiated by you or any person acting in concert with you with fraudulent intent; or 3) initiated by the Bank or one of its employees. 14

16 BR38 (01/16)

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