With only nine branches nationwide, this is not your normal bank.
Euro Pricing Schedule:
Our maximum pricing for clearing services on Eurex Clearing AG is as follows: FEE TYPE FEE Transaction Clearing Fee Euro 10 per lot Individual Segregated Client Account Fee Euro 10,000 Per Month CCP Costs As charged by the CCP Third Party Costs As charged by the third party
Business Electronic Banking Services Agreement:
This agreement governs the use of electronic banking services through accounts held by the Bank that are established
for business purposes. Please read this document and retain it for your future reference. If you use any electronic
banking service provided, you agree to be bound by the applicable terms and conditions set forth below.
The agreement applies to you if you have contracted for one or more of the following electronic banking services.
• Our ATM or Check (Debit) Card for use at ATMs or point-of-sale (“POS”) terminals.
• Our Telephone Banking.
• Our Online Banking or Online Bill Paying services.
• Our Online Banking with Quicken® or Quickbooks® or Online Bill Paying with Quicken® or Quickbooks®
services.
• Our mobile online banking, mobile online bill paying, or Remote Check Deposit Service via Mobile Device
through Business Online Banking , or Business Banking Mobile Downloadable Applications (“Mobile Business
Banking Solutions”).
• The direct deposit of periodic payments from third parties into your accounts.
• Pre-authorized withdrawals from your account for payment to a third party (other than us) such as a loan
payment to another financial institution or an insurance premium payment.
• Other specified services that you may establish from time to time for which transactions are initiated
electronically, from your home or office computer or by telephone rather than by a written order or other
document.
Applicability and Definitions
Except as otherwise noted, the provisions of the section marked “General” apply to all of the products, services and
agreements covered by this agreement. Your electronic banking services are subject to these provisions as well as to
the provisions listed under the heading for the specific electronic banking service that you have established. As used in
this agreement, “accounts” refer to all deposit accounts that you have with us, while “checking account” refers to any
account on which you may write a check. “You” and “your” refer to all of the accountholders or any of them. “The
Bank,” “we,” “us” and “our” refer to the BNY Mellon, National Association and its successors and assigns “business
day” means any day other than a Saturday, Sunday, public holiday under the laws of the Commonwealth of
Pennsylvania or other day on which the Bank is authorized or required by law or regulation to be closed.
“Transactions” refer to all transfers, payments, withdrawals, deposits, and other transactions made to or from your
accounts through the electronic banking services described in this disclosure. “Automatic Recurring Payment” means
a payment that is authorized to be sent automatically to the same merchant for the same amount and at predetermined
times permitted by us. “Access device” means a Card, code or other means of access, whether issued by us or by a
third party, that may be used to initiate electronic funds transfers to or from your accounts. “Card” and “Banking
Card” both mean an ATM Card or BNY Mellon, N.A. Check Card that is associated with your deposit accounts with
us. “BNY Mellon Check Card” means a BNY Mellon Business or CMAA Business Check Card Debit MasterCard®.
“ATM Card” is a Card that you can use at an ATM or at a POS terminal with your PIN but not at a POS terminal
without your PIN. “Automated teller machine” and “ATM” refer to any automated teller machine that is part of a
network (such as StarSM, CIRRUS®, Maestro®, or NYCE) that accepts your Card. “PIN”, “VRU Access Number”,
“Company ID”, “User ID”, and “Password” all mean a series of letters and/or numbers that identifies you as an
authorized user of a particular electronic product or service. “Computer” or “PC” means your personal computer or
modem. “Software” means your Quickbooks® or Quicken® software and any future types or versions supported by
us for use with Online Banking with Quicken® or Quickbooks®. All times listed are Eastern Time.
BNY Mellon, N.A. – Member FDIC
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Page 1 of 18
Cardholder’s Agreement for Electronic Banking Services Available through Your Card
You agree that this agreement governs your Card services.
You agree that we may debit and credit the deposit and line of credit accounts associated with your electronic banking
service in accordance with the instructions you give:
• by using the Card and your corresponding PIN at automated teller machines and point-of-sale terminals (except
for line of credit accounts);
• by using your Card without your PIN for point-of-sale transactions with merchants that accept debit
MasterCard® transactions (applicable only if you have a BNY Mellon Check Card);
You agree that we may treat the instructions that you give in these ways as if they were written orders bearing your
genuine signature.
Using your Card and PIN
In order to assist us in maintaining the security of your accounts, the ATM Card and the BNY Mellon Check Card
remain our property and may be revoked or canceled at any time without giving you prior notice. You agree not to use
your ATM Card or BNY Mellon Check Card for a transaction that would cause your account balance to go below zero,
or to access an account that is no longer available or lacks sufficient funds to complete the transaction or for any illegal
transactions, including Internet gambling or similar activities. You agree not to use your ATM Card or BNY Mellon
Check Card for a transaction that would exceed your account balance plus the available credit on any credit line
attached to your account. We will not be required to complete any such transaction, but if we do, we may, at our sole
discretion, charge or credit the transaction to another account, and you do agree to pay us the amount of the improper
withdrawal or transfer upon request.
Your ATM card may only be used with your PIN. Certain transactions involving your BNY Mellon Check Card
require use of your PIN. Your PIN is used to identify you as an authorized user. Because the PIN is used for
identification purposes, you agree to notify the Bank immediately if your ATM Card or BNY Mellon Check Card is
lost or if the secrecy of your PIN is compromised. You also agree not to reveal your PIN to any person not authorized
by you to use your ATM Card or BNY Mellon Check Card or to write your PIN on your ATM Card or BNY Mellon
Check Card or on any other item kept with your ATM Card or BNY Mellon Check Card. We have the right to refuse a
transaction on your accounts when your ATM Card or BNY Mellon Check Card or PIN has been reported lost or
stolen or when we reasonably believe there is unusual activity on your account.
The security of your account(s) depends upon your maintaining possession of your ATM Card or BNY Mellon Check
Card and the secrecy of your PIN. You may change your PIN if you feel that the secrecy of you PIN has been
compromised.
Affected Accounts
Any account that meets the criteria listed in this section is a “linked account”. Linked account for purposes of an ATM
card or a BNY Mellon Check Card means any deposit account or line of credit on which you are listed as an account
holder and you request at the time you establish
the account to have access to the account through your ATM card or
BNY Mellon Check Card. Linked account for purposes of Online Banking, Mobile Business Banking Solutions and
Telephone Banking is any deposit account on which you are listed as an account holder plus any other authorized
accounts. You also agree that line of credit accounts will also be subject to this agreement and the transactions it
describes, if you have designated a primary line of credit account through Telephone Banking or Online Banking. You
cannot pay bills using a line of credit account. You agree that this agreement will apply to deposit accounts and line of
credit accounts that you have with us now and in the future.
Types of Available Transactions and Limits on Transactions at ATMs
You may be able to use your Card at automated teller machines owned by other organizations. Available services may
differ and other restrictions may apply at those machines. Other institutions and ATM networks may charge you a fee
for electronic funds transfers and balance inquiries.
BNY Mellon, N.A. – Member FDIC
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Page 2 of 18
Where available, you may conduct the following electronic funds transfers with the accounts designated for your Card:
• Withdraw cash;
• Make deposits at specified ATMs;
• Transfer funds;
• Balance Inquiries;
• Make point-of-sale purchases (e.g. postage stamps) at specified machines (Such purchases will be considered
point-of-sale transactions subject to the rules and limits set forth in this disclosure for point-of-sale transactions.)
Your Card is designed to allow you to access multiple checking and savings accounts at certain ATMs. ATMs bearing
the STARSM logo may permit you access to up to four checking and four savings accounts.
If you use your Card to request a withdrawal at an ATM that does not permit you to specify the type of account from
which the withdrawal is to be made, we will make the withdrawal from the primary checking account linked to your
Card. If you do not have a Primary checking account linked to your Card, we will make the withdrawal from the
primary savings account linked to your Card.
Normally, you may use your Card to withdraw $1,010 each day at an ATM. However, if you have requested and
received a non-standard withdrawal limit, this limit may be different. Any documentation provided to you which
indicated that an electronic fund transfer was made to another person shall be admissible as evidence of such transfer
and shall constitute prima facie proof that such transfer was made.
You may use your Card at an ATM to transfer up to $99,999.99 per transfer between your linked accounts. Deposits
and transfers made at an ATM after the deposit deadline may not be posted to your accounts until the next business
day.
Point-Of-Sale
You may also use your Card to pay for purchases (including “cash back” transactions in which a merchant distributes
cash to you) directly from your Card’s designated primary checking account (except a money market account) at
businesses that honor your Card through a point-of-sale transfer service. Normally, you may use your Card for pointof-sale transactions for up to $5,010 each day unless you have requested and received a non-standard limit.
You agree to settle all disputes regarding the goods or services that you purchased with the Card with the merchant
who honored the Card.
Foreign Currency Transactions
If you use your Card to make a point-of-sale purchase or an ATM withdrawal in a foreign currency, MasterCard® will
convert the transaction to U.S. currency using its currency conversion procedure. You will be subject to a MasterCard
Issuer Cross-border Assessment and a MasterCard Currency Conversion Assessment, currently the two assessments in
aggregate total 1% of your transaction amount for transactions conducted in a foreign currency. The charge of the
Cross-border Assessment is predicated on the location of the merchant or ATM/POS machine, if either are not located
in the United States of America, regardless of the currency, you will be charged a MasterCard Cross-border
Assessment. Please see the Business Price Schedule for more information.
Daily Limits
The Automated Teller Machine and Point-of-Sale sections describe daily limits on transactions. The “day” used to
calculate these limits runs from midnight of each day to midnight of the next day. A BNY Mellon Check Card pointof-sale transaction may not be deducted from your account balance on the date that it occurs; however, the transaction
date is used to determine whether the point-of-sale daily limit has been reached.
BNY Mellon, N.A. – Member FDIC
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Page 3 of 18
DIGITAL WALLET AUTHORIZATION TERMS OF USE
Authorization and Acceptance
These Digital Wallet Authorization Terms of Use (the “Agreement”) apply when you choose to add and use an eligible
BNY Mellon issued check or debit card (each a “BNY Mellon Card”) to a third party mobile payment system (each a
“Digital Wallet”). In this Agreement, “you” and “your” refer to the authorized cardholder of the Card. “We,” “us” and
“BNY Mellon” refer to BNY Mellon, National Association, the issuer of the Card. The defined terms within this
Agreement only apply to this Agreement and do not apply to the other sections of the Business Electronic Banking
Services Agreement.
Please read this Agreement carefully before adding your Card to a Digital Wallet. By adding your Card to a Digital
Wallet you agree to be bound by this Agreement. If you do not agree to this Agreement you should not add your Card to
a Digital Wallet. The continued inclusion of your Card in the Digital Wallet is conditioned on your compliance with this
Agreement and failure to comply may result in termination of your eligibility to include and use the Card in a Digital
Wallet. We reserve the right, subject to applicable law, to change this Agreement, in whole or in part, at any time.
Using a Digital Wallet: A Digital Wallet enables you to use your Card and an eligible mobile device, as determined
by the Digital Wallet provider, to make purchases of goods and services. When you enroll your Card with the Digital
Wallet, your Card information is converted to a device-only account number and stored on your mobile device. The
device-only account number may be used to pay for goods and services at participating merchants that accept the
Digital Wallet. By enrolling your Card with the Digital Wallet and following instructions provided by the provider of
the Digital Wallet, you are authorizing payment from your Card for the purchase of goods or services. The Digital
Wallet may not be accepted at all places where your Card is accepted. Any applicable interest, fees and other charges
that apply to your Card or the underlying account will also apply when you use your Card within the Digital Wallet to
make purchases.
Existing BNY Mellon Agreements: The terms and conditions of any agreement with BNY Mellon governing the
issuance and use of your Card and any underlying account, including the Business Electronic Services Agreement, are
still valid and not affected by you adding the Card to a Digital Wallet. For the avoidance of doubt, any transaction you
make with a Card through a Digital Wallet will be governed by the same terms and conditions as if you had used the
Card in person.
BNY Mellon is not Responsible for the Digital Wallet: BNY Mellon does not own or operate the Digital Wallet and
is not responsible for any information or services provided by the owner or developer of the Digital Wallet, your
wireless service provider, your mobile device company, or any other third parties associated with the Digital Wallet.
We are not responsible
for the performance or failure of the Digital Wallet or of any transaction made using the Digital
Wallet. We are only responsible for providing information to the provider of the Digital Wallet, at your request, in
order to allow you to add and use your Card within the Digital Wallet.
Eligibility: BNY Mellon may choose, in its sole discretion, which Cards are eligible to be added to a Digital Wallet. If
eligible, the Card and underlying account must be in good standing to be added to a Digital Wallet. BNY Mellon may,
at any time and in its sole discretion, revoke the eligibility of any Card from being included in a Digital Wallet. If
required by law, we will provide you notice of same. You agree that BNY Mellon shall not be liable to you or any
third party for any such termination or evocation of eligibility of any Card to be added to and used in a Digital Wallet.
Security; Lost or Stolen Mobile Device: You are solely responsible for maintaining the security and confidentiality
of the authentication methods (passwords, PINS, or other security mechanisms) used to access your Digital Wallet and
mobile device. If you share these credentials with others they may be able to access your Digital Wallet and make
purchases for which you will be responsible. If your eligible mobile device is lost or stolen, your Digital Wallet
authentication method) is compromised, or if your Card has been used without your permission, you must notify us
immediately. If you fail to notify us immediately, you may be liable for part or all of the losses in connection with any
unauthorized use of your Card.
BNY Mellon, N.A. – Member FDIC
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Indemnification: You agree to defend and hold BNY Mellon, and its affiliates, employees, directors, officers, agents
and representatives (collectively “Indemnified Parties”), harmless from and against any and all losses, liabilities,
damages, claims, allegations, civil actions, regulatory actions, and all related costs and expenses (including reasonable
legal fees and disbursements and costs of investigation, litigation, settlement, judgment, and interest charges) that arise
out of or are related to (i) your breach of this Agreement; (ii) a breach of any applicable law by you, a Digital Wallet
provider, or any third party associated with a Digital Wallet provider; (iii) negligence or willful misconduct by you, a
Digital Wallet provider, or any third party associated with a Digital Wallet provider; and/or (iv) a breach by you, a
Digital Wallet provider, or any third party associated with a Digital Wallet provider of any terms of use or other
agreement pertaining to use of a Digital Wallet.
Fees and Charges: BNY Mellon does not currently impose a fee and/or charge for adding and using your Card within
a Digital Wallet. However, the provider of the Digital Wallet and/or your wireless service provider may impose certain
charges or other fees for use of the Digital Wallet and/or data usage. You are solely responsible for any such charges
or fees.
Third Party Agreements: You understand that your use of a Digital Wallet will be subject to the terms, conditions,
agreements and policies of the Digital Wallet Provider, your wireless service provider, your mobile device provider,
and other third parties.
Electronic Communication: You consent to receive electronic communications, disclosures, and notices from us in
connection with your Card and its use within a Digital Wallet. You agree that we may contact you by email or postal
mail at any address you provided to us in connection with your Card or underlying account. You agree to update your
contact information when it changes
.
Privacy: BNY Mellon’s use of personally identifiable information collected in connection with the Card and your use of
a Digital Wallet is governed by BNY Mellon’s Privacy Policy, located at https://www.bnymellonwealth.com/privacy.jsp.
To the extent that you submit any personally identifiable information to a Digital Wallet provider or any other third
party in connection with your use of a Digital Wallet, such third party’s collection, use and disclosure of such
information will be governed by its own privacy policy and not BNY Mellon’s Privacy Policy, and we are not
responsible for the information practices of any third parties. By adding your Card to a Digital Wallet you authorize us
to share your information with the provider of the Digital Wallet, payment networks and any other third parties in
order to process your transactions and provide the services you request.
Risk of Loss: In the event of a system failure or interruption of the Digital Wallet, your wireless provider or other
third party service, your data may be lost or destroyed. You assume the responsibility to verify the accuracy and
completeness of any transaction affected by the system failure or interruptions through means other than the Digital
Wallet. We will not be liable for failure to provide access to or for interruptions in access to the Digital Wallet due to a
system failure or due to other acts or circumstances beyond our control and you hereby expressly assume such risks.
BNY Mellon is not responsible for any delay, error, problem, damages or other loss you may suffer due to malfunction
or misapplication of your mobile device, your wireless service provider or other third party services that result in lack
of access to the Digital Wallet and you hereby expressly assume such risk.
Governing Law and Disputes: This Agreement, as well as any dispute or claim with BNY Mellon relating to this
Agreement, are governed by the Business Electronic Services Agreement.
Limitation of BNY Mellon’s Liability and No Warranties: IN NO EVENT SHALL BNY MELLON BE
RESPONSIBLE FOR ANY LOSS, DAMAGE OR INJURY OR FOR ANY DIRECT, INDIRECT, SPECIAL,
INCIDENTAL, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS,
LOSS OR INTERRUPTION OF BUSINESS, LOSS OF USE, LOSS OF DATA, LOSS OF OTHER INTANGIBLES,
LOSS OF SECURITY OF INFORMATION YOU PROVIDED ARISING FROM OR RELATED TO YOUR USE OF
A DIGITAL WALLET; THE EQUIPMENT AND/OR THE INSTALLATION OR MAINTENANCE THEREOF TO
ACCESS THE DIGITAL WALLET; FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT OR
COMMUNICATION LINES; INCOMPATIBILITY OF HARDWARE OR SOFTWARE, FAILURE OR
BNY Mellon, N.A. – Member FDIC
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UNAVAILABILITY OF INTERNET ACCESS; PROBLEMS WITH INTERNET SERVICE PROVIDERS AND
WIRELESS CARRIERS; PROBLEMS OR DELAYS WITH INTERMEDIATE COMPUTER OR COMMUNICATIONS NETWORKS OR FACILITIES PROBLEMS WITH DATA TRANSMISSION FACILITIES; OR ANY
OTHER PROBLEMS YOU EXPERIENCE DUE TO CAUSES BEYOND OUR CONTROL.
BNY MELLON IS NOT LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM YOUR FAILURE TO
COMPLY WITH ANY OF THE TERMS AND OBLIGATIONS HEREIN.
YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE DIGITAL WALLET IS AT YOUR SOLE RISK
AND THAT THE DIGITAL WALLET AND ALL INFORMATION, SERVICES, PRODUCTS AND OTHER
CONTENT (INCLUDING THIRD-PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR
ACCESSIBLE FROM THE PROVIDER OF THE DIGITAL WALLET’S WEBSITE IS PROVIDED ON AN “AS IS”
BASIS AND IS SUBJECT TO CHANGE AT ANY TIME. YOU ACKNOWLEDGE THAT WE MAKE NO
WARRANTY THAT THE DIGITAL WALLET WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERRORFREE. TO THE FULLEST EXTENT PERMITTED BY LAW, WE, INCLUDING OUR AFFILIATES AND
AGENTS, DISCLAIM ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS OF ANY KIND
(EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE
WARRANTIES OF MERCHANTABILITY AND FITNESS FOR APARTICULAR PURPOSE, TITLE AND NONINFRINGEMENT OF PROPRIETARY RIGHTS) AS TO THE DIGITAL WALLET AND ALL INFORMATION,
SERVICES AND OTHER CONTENT (INCLUDING THIRD-PARTY INFORMATION, PRODUCTS AND
CONTEN
T) INCLUDED IN OR ACCESSIBLE FROM THE PROVIDER OF THE DIGITAL WALLET’S
WEBSITE.
APPLICABLE LAW MAY NOT ALLOW FOR EXCLUSIONS OR LIMITATIONS OF CERTAIN DAMAGES OR
CERTAIN IMPLIED WARRANTIES; SOLELY TO THE EXTENT THAT SUCH LAW APPLIES TO YOU, SOME
OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU,
AND YOU MAY HAVE ADDITIONAL RIGHTS.
Contact Us: If you have a question, dispute, or complaint about your Card, then contact us at: 1-800-830-0549.
If you have any questions, disputes, or complaints about a Digital Wallet, contact the Digital Wallet provider.
General: If any provision of this Agreement is deemed to be unenforceable for any reason, then that provision shall
be deemed severable from the other terms of this Agreement and shall not affect the validity and enforceability of any
remaining terms. You may not assign, transfer or sublicense any of your rights or obligations under this Agreement.
No waiver by either party of any breach or default hereunder will be deemed to be a waiver of any preceding or
subsequent breach or default. Without limitation, you agree that a printed version of this Agreement and of any notice
given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this
Agreement to the same extent and subject to the same conditions as other business documents and records originally
generated and maintained in printed form. This Agreement is entered into by and between, and may be enforced only
by, you and BNY Mellon, and this Agreement shall not be deemed to create any rights in third parties other than the
parties’ permitted successors and assigns and any Indemnified Parties.
Telephone Banking and Online Banking Transactions
Through Telephone Banking and Online Banking, you may use your Telephone Banking VRU Access Number or
Online Banking Company ID, User ID and corresponding Password to transfer funds between your linked deposit and
line of credit accounts in the amounts and on the days you request and you may make balance inquiries on your linked
accounts. As an exception, transfers to and from Certificates of Deposit are not permitted and transfers from
Retirement Savings Money Market accounts are not permitted. Transfers from savings and money market
accounts are limited by applicable federal law as stated in your account Rules. No one transfer can exceed
$99,999,999.99.
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Online Bill Paying Transactions
You can get our Online Bill Paying services by requesting the ability to transmit funds to 1 or more payee(s). You
must make this request in writing. Upon your request to establish merchants for Online Bill Paying services, you agree
to the Online Bill Paying services provisions of this Agreement set forth below. You must be enrolled in our Online
Banking service and have at least one checking account with us to use our Online Bill Paying services. You may only
add payees/merchants to our Online Bill Paying services via Business Online Banking.
You agree that any payment that you make will be charged to the primary checking account designated for the Bill
Paying unless you instruct us to charge another eligible linked account. For Online Bill Paying, payments not
previously scheduled will be sent to the payee on the business day after the business day on which we receive your
instruction to pay. Automatic bill payments that have been arranged with us in advance will be sent to the payee on
the day you have scheduled them to be sent. Payments initiated or scheduled on days that are not business days will
require one additional business day for processing. In order for a payment instruction to be considered received by us
on a specified date, it must be received before 10:30 p.m. Eastern Time. Payment instructions received after 10:30
p.m. Eastern Time on a business day or on a day that is not a business day will be considered received on the next
business day. Although payments will be disbursed promptly, we cannot and do not guarantee prompt receipt by
payees of payments and/or credit advices sent though the mail. You agree that we have no responsibility or liability
for any damages, expenses, charges or liabilities that you may incur as a result of any failure or delay on the part of the
U. S. Postal Service in delivering any payment or on the part of any payee in crediting any payment. You agree that
we have no responsibility or liability for any act or omission beyond that which is imposed on us by law. Online Bill
Paying payments will be deducted from your account two business days after the day on which you have them
scheduled to be sent.
If a bill payment you make is returned for insufficient funds, we will block further payments from your overdrawn
Online Bill Paying linked accounts for up to five (5) business days, following your correction of the overdraft status of
the account.
There is no limit on the number of bills you can pay, but no single bill payment can exceed $20,000.00 and the total
amount of all bill payments that you make on any given business day cannot exceed $100,000.00. To prevent
duplicate payments, you cannot make two payments to the same payee in the same amount on the same business day.
If you request, and we agree, we may assign customized bill payment limits.
You may only transmit payments to payees with United States addresses, U. S. Foreign Territories, or overseas U. S.
Military Establishments. We reserve the right to refuse to pay certain payees and to refuse to honor payment requests
that appear to us to be fraudulent or erroneous.
Online Banking with Quicken® or Quickbooks Agreement
This agreement (“Agreement”) governs your Online Banking with Quicken® or Quickbooks®. You must have at least
one checking account with us to use Online Banking with Quicken® or Quickbooks®.
Computer Requirements and Software (Online Banking with Quicken® or Quickbooks® only) You are
responsible for the installation, maintenance and operation of your PC and Software. We are not responsible for any
errors or failures from any malfunction of your PC or Software and we are not responsible for any computer virus or
related problems that may be associated with your use of Online Banking with Quicken® or Quickbooks® or Online
Bill Paying with Quicken® or Quickbooks® or the Software. WE DISCLAIM ALL WARRANTIES REGARDING
YOUR COMPUTER AND SOFTWARE, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO,
IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. Online Banking with Quicken® or Quickbooks® and Online Bill Paying with Quicken® or
Quickbooks only include certain functions. Your Software may include other functions and we are not
responsible for them. We reserve the right to discontinue supporting software types or versions at any time.
BNY Mellon, N.A. – Member FDIC
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Functions
By requesting access to the Online Banking with Quicken® or Quickbooks® and Online Bill Paying with Quicken®
or Quickbooks® service, you agree to the terms of this Agreement. You may access linked accounts through Online
Banking with Quicken® or Quickbooks®.
Affected Accounts
Any deposit account is eligible to be a “linked account” if you are listed as a holder on the account or other authorized
account and access to the account is not otherwise limited or prohibited.
Online Banking with Quicken® or Quickbooks® Transactions
Through Online Banking with Quicken® or Quickbooks®, you may use your User ID and corresponding password to
transfer funds between your linked accounts, in the amounts and on the days you request. As an exception, you cannot
transfer funds
to or from Certificates of Deposit. Transfers from savings and money market accounts are limited by
applicable federal law, as stated in your account Rules. Also, transfers to and from Retirement Savings Money Market
accounts are not permitted.
Transfer requests made by 11:59 p.m. on a business day will be posted as of the same business day. Transfer requests
made after 11:59 p.m. on a business day or on a day that is not a business day will be posted as of the next business
day. Transfers are subject to funds availability. Balance and transaction information will generally be current only as
of the preceding business day. Transactional information for your linked accounts will be available for your current
statement cycle. No one transfer can exceed $99,999.99.
Transfers from a line of credit cannot be made through Online Banking with Quicken® or Quickbooks®. We may, in
the future, allow lines of credit to become linked accounts. A transfer from a line of credit will be treated as a cash
advance from that account and is subject to our line of credit agreement. When using Online Banking with Quicken®
or Quickbooks® to make transfers from line of credit accounts, you agree that we may take any action necessary to
obtain cash advances on your behalf, including charging your line of credit account with us without your signature.
Online Bill Paying with Quicken® or Quickbooks® Transactions
Through Online Bill Paying with Quicken® or Quickbooks®, you may use your User ID and corresponding password
to make payments from your Online Bill Paying with Quicken® or Quickbooks® Accounts (as defined below) that
meet the criteria outlined in the section labeled “Affected Accounts” to any person or business in the United States,
schedule future payments, establish recurring payments and review, change and cancel payments. As an exception, tax
and court-ordered payments are not permitted.
You must use your PC and Software to authorize a payment through Online Bill Paying with Quicken® or
Quickbooks®. If you have more than one checking account linked to Online Banking with Quicken® or
Quickbooks®, your Software will prompt you to designate the account from which we are to make the payment (the
“Online Bill Paying with Quicken® or Quickbooks® Account”).
After we receive your payment instruction, the payment will be made either by transferring funds electronically to an
electronic payee or by preparing a check from your appropriate Online Bill Paying with Quicken® or Quickbooks®
Account and mailing the check to the payee. Instructions to make a payment to any type of payee should be received
by us at least five business days before the business day on which the payment is due the payee.
In order for a payment instruction to be considered received by us on a specified date, it must be received before 11:59
p.m. Payment instructions received after 11:59 p.m. on a business day or on a day that is not a business day will be
considered received on the next business day. We cannot and do not guarantee prompt receipt by payees of payments
sent through the mail. You agree that we have no responsibility or liability for any damages, expenses, charges or
liabilities that you may incur as a result of any failure or delay on the part of the Postal Service in delivering
any payment or on the part of any payee in crediting any payment. You agree that we have no responsibility
or liability for any act or omission beyond that which is imposed on us by law.
BNY Mellon, N.A. – Member FDIC
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You authorize us to debit the designated Online Bill Paying with Quicken® or Quickbooks® Account on the date the
payment is sent to an electronic payee. You authorize the payment of checks issued to check payees and drawn on a
designated Online Bill Paying with Quicken® or Quickbooks® Account on the day they are presented to us for
payment, or at an earlier time if we receive notification that such items have been deposited at another financial
institution. We may pay such items in any order that we decide. You must have enough money in the designated
Online Bill Paying with Quicken® or Quickbooks® Account to complete the payment and should be aware that
transactions other than Online Banking with Quicken® or Quickbooks® transactions may affect your account
balances.
You may only transmit payments to payees with United States addresses, U. S. Foreign Territories, or overseas U. S.
Military Establishments. We reserve the right to refuse to pay certain payees and to refuse to honor payment requests
that appear to us to be fraudulent or erroneous.
You may use Online Bill Paying with Quicken® or Quickbooks® to authorize Automatic Recurring and non-recurring
payments with fixed or variable payment amounts. An Automatic Recurring Payment will be sent on the preceding
business day if the regular payment date falls on a day other than a business day. To authorize an Automatic Recurring
Payment, we recommend that you use a printer or other means to obtain a printed copy of your authorization for your
records. If you do not have a printer, continue to authorize the payment on a payment-by-payment basis until you have
sent us a written authorization to make the payment on an automatically recurring basis. Call or write us at the phone
number or address listed on the last page of this document if you need a written authorization.
You may use Online Bill Paying with Quicken® or Quickbooks® to cancel payments if the payment has not already
been processed. To cancel a payment, your request must be transmitted to us through Online Bill Payment with
Quicken® or Quickbooks® at least five business days before the business day on which the payment is due the payee.
Mobile Business Banking Solutions
This service is provided to you by the Bank and powered by a Third Party (the “Licensor”) mobile technology solution.
Section A below is a legal agreement between you and the Bank, that supplements the terms of (a) all related Banking
Account agreements, and (b) all related disclosures, including but not limited to the Online Privacy (the agreements
and disclosures described in (a) and (b) are sometimes referred to in this Agreement as the “Banking Account
agreements”). Section B of this Agreement is a legal agreement between you and the Licensor.
Section A – Mobile Business Banking Solutions
The Bank offers a number of ways for you to access your banking account information and key transactions using a
supported Mobile Device.
Mobile Business Banking Solutions
Mobile Business Banking Solutions can be accessed in two different ways:
1. Mobile Downloadable Application: This is an application that you download onto your supported Mobile Device
from (i) a link on the Mobile Optimized Website, or (ii) from the applicable application store. The application is
provided by a third party service provider and once downloaded onto your supported Mobile Device and running
will allow you to directly access your banking accounts through your supported Mobile Device. The application,
currently, will permit you to view account balances, pay bills to pre-established payees/merchants, make certain
internal transfers and utilize the Remote Check Deposit Service.
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2. Mobile Optimized Website: Allows you to access your banking accounts using your supported Mobile Device,
mobile web browser and Internet connection. The Mobile Optimized Website will permit you to view account
balances, pay bills to pre-established payees/merchants, and make certain internal transfers.
Requirements For Use
To access any of the Mobile Business Banking Solutions (including the Remote Check Deposit Service)
you must first
have access to Business Online Banking. The Company ID, User ID and Password used for Business Online Banking
will be the same Company ID, User ID and Password you use to access the Mobile Business Banking Solutions
(please note that once your Mobile Device is registered you will need to log in each time for each of the Mobile
Business Banking Solutions). You must register your Mobile Device using the Mobile Banking Center within the
Administration Tab of Business Online Banking from your personal computer and not from your Mobile Device prior
to obtaining access to Mobile Business Banking Solutions. Mobile Business Banking Solutions services are limited to
those banking accounts that accessible by you using Business Online Banking.
To utilize the Mobile Downloadable Application and Mobile Optimized Website you must have access to a supported
wireless communication provider via your Mobile Device.
An updated list of supported Mobile Devices, mobile operating systems and wireless communication providers can be
found in the Mobile Banking Center within the Administration Tab of Business Online Banking. We reserve the right
to add, change, or remove support for mobile devices or operating systems at any time without notice. The fact that a
particular Mobile Device is included in the list of supported Mobile Devices does not constitute a recommendation,
endorsement or any representation or warranty of any kind by the Bank regarding the performance or operation of such
Mobile Device. It is your sole responsibility to select which Mobile Device you purchase or lease and which wireless
communication provider supports your Mobile Device and any and all issues concerning the operation, performance
and costs associated with your Mobile Device and the network that it operates on are between you and your wireless
communication provider.
Terms and Conditions
1. While the Bank does not currently assess a fee for Mobile Business Banking Solutions, if we decide to start
charging fees in the future, these fees are separate and apart from any charges that may be assessed by your
wireless communication provider for data transmission between you and the Bank. You are responsible for any
fees or other charges that your wireless communication provider may charge for any related data.
2. If you lose your registered Mobile Device or if it is stolen, you agree to disable the use of such Mobile Device by
unregistering your Mobile Device in the Mobile Banking Center within the Administration Tab of Business Online
Banking from your personal computer. You should not store your Company ID, User ID or Password on your
Mobile Device. You acknowledge that there are risks involved in using your Mobile Device to access your
banking accounts and if your Mobile Device is lost or stolen, your confidential information could be accessed and
unauthorized transactions could be accomplished.
3. The Bank provides its Mobile Business Banking Solutions (including the Remote Check Deposit Service) on an
“AS IS” and “AS AVAILABLE” basis without any warranty or guarantee. You understand and agree that on
occasions the Mobile Business Banking Solutions may be unavailable, delayed, interrupted or disrupted for an
indeterminate amount of time due to conditions beyond the Bank’s control. Such conditions include, but are not
limited to, transmission issues associated with your wireless communication provider which supports your Mobile
Device, or any interruption, disruption, or failure in the provision by the Bank of its Mobile Business Banking
Solutions due to equipment malfunctions, power failures, strikes, etc. The Bank, its affiliates, directors, officers
and employees shall not be liable for any claim due to acts of God, acts of war, breakdowns or malfunctions of
machines or computers, interruptions or malfunctions of communications or power supplies, labor difficulties,
actions of public authorities, or any other similar cause or catastrophe beyond the Bank’s reasonable control.
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Without limiting the generality of the foregoing, it is agreed that in no event will the Bank be liable for
any lost profits or other indirect, special, incidental or consequential damages which you may incur or
experience by reason of having used or relied on or arising out of or in connection with the Bank’s
Mobile Business Banking Solutions, even if the Bank was advised or otherwise made aware of the
possibility of such damages.
4. You agree that by using Mobile Business Banking Solutions (including the Remote Check Deposit Service)
information about your banking Accounts and transactions will be transmitted over the Internet. You agree that the
Bank will have no liability to you, if an unauthorized third party obtains information about your banking Accounts
or transactions despite reasonable precautions the Bank has taken to maintain the confidentiality of such
information.
5. The Bank may terminate your access to any or all features of the Mobile Business Banking Solutions (including
the Remote Check Deposit Service) at any time without advance notice, for any reason (including reasons
unrelated to your banking accounts or your transactions).
6. You agree that information about your banking accounts available to you through the Mobile Business Banking
Solutions may not include or reflect all of your recent (including still-pending) funds transfers and other banking
account transactions.
7. Please refer to other portions of this Business Electronic Banking Services Disclosure and Agreement for other
important information and terms and conditions associated with your use of BNY Mellon’s Mobile Business
Banking Solutions, which include but are not limited to: liability for unauthorized transactions and Bill Paying
services and the other Banking Account agreements for other general information and terms and conditions
associated with your banking accounts.
Remote Check Deposit Service
Currently, Remote Check Deposit Service is only available to clients who have downloaded the mobile banking
application for an Apple iPhone (Apple and iPhone are trademarks of Apple Inc., registered in the U.S. and other
countries) or the mobile banking application for Android (Android is a trademark of Google Inc.).
Remote Check Deposit Service enables you to submit, for deposit to your account(s), electronic check images and
associated documentation and information in lieu of depositing the original check from which such images are
obtained. You acknowledge and agree that the Remote Check Deposit Service may not be used for any check that does
not contain valid MICR data printed on the original check with magnetic ink character recognition.
You shall submit electronic check images and data to the Bank in such format, and with such associated check
information, as the Bank may require from time to time as set forth in the application. You must endorse the back of
each check in the appropriate space before you submit the check for deposit via the Remote Check Deposit Service.
You are solely responsible for selecting the appropriate account to receive credit, entering all amounts and any other
required information correctly, checking such amounts and other information for accuracy, and inspecting all images
and data prior to transmitting to the Bank to ensure electronic image and data quality.
Electronic check images and data will be deemed to have been accepted by the Bank on the date that our systems
receives the electronic check images and data and you have been sent an email approving the deposit. The Bank
reserves the right to reject any electronic check image for any reason, before and/or after approval.
Electronic check images for deposit
received by the Bank by 4:00 p.m. Eastern Time on a Business day shall be
processed if approved as of the same Business day. Electronic check images for deposit received by the Bank on other
than a Business day or after 4:00 p.m. Eastern Time on a Business day shall be processed if approved on the next
Business day. For purposes of the Bank’s Commercial Funds Availability Policy (as in effect from time to time), the
day of deposit for an approved electronic check image is the Business day as of which we process the approved
electronic check image.
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Remote Check Deposit Service may not be used for any check that is in an amount greater than $100,000. You may
use the Remote Check Deposit Service to deposit an unlimited number of checks per Business day; however, the total
deposit amount per account is limited to $100,000 per Business day. Further, the total deposit amount for the Remote
Check Deposit Service is limited to $250,000 per account in any five consecutive Business days.
Upon presentation of an electronic check image for deposit to the Bank, you represent and warrant the following:
•
The image and data contain an accurate representation of all information on the front and back of the original
check at the time such check was transformed into an electronic check image and all endorsements that were
collected on the original check up until the time the original check was converted into an electronic check
image;
•
Once you have transmitted an electronic check image for deposit to the Bank, neither the original paper check
nor any physical copy of the original check will be presented for payment against the maker of the check and
no person or institution shall be asked to make payment on such check; and
•
Additionally, you make any and all additional warranties that the Bank must make under applicable law and
regulation in order to process the electronic check image for collection.
The Bank recommends that you retain the original check for a period of time to allow the electronic image of the check
or any substitute check produced there from to be presented for payment and either paid or returned by the payor bank.
Like other services available with Mobile Business Banking Solutions, the Remote Check Deposit Service may be
unavailable, delayed, interrupted or disrupted for an indeterminate amount of time due to conditions beyond the Bank’s
control. You may deposit checks alternatively via ATMs that accept deposits, by placing such deposits in the mail or
visiting one of our offices.
Section B – Agreement Terms for The Downloadable App
(In this Section B, the word “Agreement” refers only to this Section B – Agreement Terms for the Downloadable App,
and not to Section A above.)
1. Ownership. You acknowledge and agree that a third party provider or licensor to your financial services provider
(“Licensor”) is the owner of all right, title and interest in and to the downloaded software to be used for access to
mobile banking services from your financial services provider and the computer programs contained therein in
machine readable object code form as well as any accompanying user documentation along with all subsequent
copies, updates or versions thereof which are made available to you (if any), regardless of the media or form in
which they may exist (collectively the “Software”).
2. License. Subject to the terms and conditions of this Agreement, you are hereby granted a limited, nonexclusive
license to use the Software in accordance with the terms of this Agreement. All rights not expressly granted to you
by this Agreement are hereby reserved by the owner of the Software. Nothing in this license will entitle you to
receive hard-copy documentation, technical support, telephone assistance, or updates to the Software. This
Agreement may be terminated at any time, for any reason or no reason. Upon termination, you agree to
immediately destroy all copies of the Software in your possession or control.
3. Restrictions. You shall not: (i) modify, revise or create any derivative works of the Software; (ii) decompile,
reverse engineer or otherwise attempt to derive the source code for the Software; (iii) redistribute, sell, rent, lease,
sublicense, or otherwise transfer rights to the Software; or (iv) remove or alter any proprietary notices, legends,
symbols or labels in the Software, including, but not limited to, any trademark, logo or copyright.
4. Disclaimer Warranty. THE SOFTWARE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS
WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT
LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR
PURPOSE AND NON-INFRINGMENT. NO WARRANTY IS PROVIDED THAT THE SOFTWARE WILL BE
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FREE FROM DEFECTS OR VIRUSES OR THAT OPERATION OF THE SOFTWARE WILL BE
UNINTERRUPTED. YOUR USE OF THE SOFTWARE AND ANY OTHER MATERIAL OR
SERVICES DOWNLOADED OR MADE AVAILABLE TO YOU THROUGH THE SOFTWARE IS
AT YOUR OWN DISCRETION AND RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY
DAMAGE RESULTING FROM THEIR USE.
5. Limitations of Warranty. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO
EVENT WILL LICENSOR, THE PROVIDER OF ANY FINANCIAL SERVICES AVAILABLE THROUGH
OR RELATED TO THE SOFTWARE, ANY OF THEIR CONTRACTORS OR PROVIDERS OR ANY OF
EACH OF THEIR AFFILIATES BE LIABLE FOR ANY DAMAGES ARISING OUT OF THE USE OR
INABILITY TO USE THE SOFTWARE, INCLUDING BUT NOT LIMITED TO ANY GENERAL, SPECIAL,
INCIDENTAL OR CONSEQUENTIAL DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY THEREOF,
AND REGARDLESS OF THE LEGAL OR EQUITABLE THEORY (CONTRACT, TORT OR OTHERWISE)
UPON WHICH ANY CLAIM IS BASED. IN ANY CASE, LIABILITY OF LICENSOR OR ANY OF THE
OTHER PERSONS OR ENTITIES DESCRIBED IN THE PRECEDING SENTENCE ARISING OUT OF THE
USE OR INABILITY TO USE THE SOFTWARE SHALL NOT EXCEED IN THE AGGREGATE THE
LESSER OF $10.00 OR THE SUM OF THE FEES PAID BY YOU FOR THIS LICENSE.
6. U.S. Government Restricted Rights. The Software is commercial computer software subject to RESTRICTED
RIGHTS. In accordance with 48 CFR 12.212 (Computer software) or DFARS 227.7202 (Commercial computer
software and commercial computer software documentation), as applicable, the use, duplication, and disclosure of
the Software by the United States of America, its agencies or instrumentalities is subject to the restrictions set forth
in this Agreement.
7. Miscellaneous. This Agreement constitutes the entire agreement between the parties concerning the subject matter
hereof. This Agreement will be governed by and construed in accordance with the laws of the state of California
excluding that body of laws pertaining to conflict of laws. If any provision of this Agreement is determined by a
court of law to be illegal or unenforceable, such provision will be enforced to the maximum extent possible and the
other provisions will remain effective and enforceable. All disputes relating to this Agreement are subject to the
exclusive jurisdiction of the courts of California and the parties expressly consent to jurisdiction and venue thereof
and therein. The parties confirm that this Agreement and all related documentation is and will be in the English
language. The application of the United Nations Convention on Contracts for the International Sale of Goods is
hereby expressly waived and excluded.
8. Content and Services. Neither Licensor nor the provider of the wireless network is the provider of any financial
services available through or related to the Software, and neither Licensor nor the provider of the wireless network
or any contractor of
the provider of the financial services available through or related to the Software, is
responsible for any of the materials, information, products or services made available to you via the Software.
General
Other Agreements
You agree that electronic banking services you use remain subject to all other rules and regulations governing your
accounts, and to any other agreements you have with us. You may not request transfers or payments from any account
that requires two or more signatures. You agree not to change any linked account documentation to require two or
more signatures until you first notify us to terminate your electronic access to such linked account. No such change
will be effective as to your electronic banking service until we receive the notice and have an opportunity to act.
Records and Effectiveness
Our records regarding your electronic banking services, your instructions to us with respect to them and the services
you have agreed to are conclusive, except as otherwise provided by law. You agree that instructions you give us for
electronic banking services may be treated as if they were written orders bearing your written signature.
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Available Funds
If you instruct us to make a payment or transfer exceeding the available funds in an account, you agree to pay the
associated fees as if a check in the same account had been presented to be paid from the account, regardless of whether
we make the payment or transfer. We may refuse to make any payment or transfer that would exceed the balance of
available funds in the account from which the payment or transfer is requested.
Changes and Termination
You agree that we may add or discontinue services and fees for services and make other changes to this Agreement.
We will use Business Online Banking and the Business Banking Mobile Downloadable Applications to notify you
when any of the aforementioned changes occur. By your continued use of Business Online Banking or the Business
Banking Mobile Downloadable Applications after such notification, you (a) consent to our providing this information
to you electronically in this manner, (b) acknowledge and confirm that you can access the information we provide you
electronically through Business Online Banking or the Business Banking Mobile Downloadable Applications, and (c)
consent to the changes. You can always review the current version of this Agreement under the Disclosures Tab or
may request a paper copy. We will follow any legal requirements applying to these notices.
We may also terminate these agreements and your ability to use the Card or other electronic banking service(s) without
notice to you if you do not use the Card or electronic banking service(s) for more than six months.
Telephone Number and Address for Notification in Event of Unauthorized Transactions
If you believe your Card, Telephone Banking, or Online Banking Company ID(s), User ID(s), VRU Access
Number(s), PIN(s), password(s), Mobile Devices or other access devices have been lost or stolen or that someone has
transferred or may transfer money from your account without your permission, call or write us. We strongly urge you
to telephone us immediately if you suspect your accounts or access devices have been compromised. The address and
telephone number are listed at the end of this disclosure.
You may call, write or visit the office at which one of your accounts is located for reporting unauthorized transactions,
and lost or stolen Cards, Telephone Banking or Online Banking Company ID(s), User ID(s), VRU Access Number(s),
PIN(s), password(s) and other access devices.
Account Information
Account balance figures and other account information received through our electronic banking services may not
reflect recent transactions and may include funds that are not available for immediate withdrawal.
Fees
We may impose fees for electronic banking services in the future. If we do, we will give you any notice required by
law.
E-Mail
E-mail sent by you will not be immediately received by us. If you need to contact us immediately (for example, to
report that the secrecy of your PIN has been jeopardized or to stop payment on a check), do not use e-mail. Call us
instead at the number listed on the last page of this document. No action will be made on your e-mail until it is
actually read by us and we have an opportunity to act.
Authorizing Others to Access Your Accounts
You should inform your authorized individuals to think twice before they let someone else use one of their electronic
banking services access devices (such as your Card, Telephone Banking or Online Banking Company ID(s), User
ID(s), VRU Access Number(s), PIN(s), password(s) and other access devices. When they have authorized another
person (for example, an individual or a company providing account aggregation services over the Internet) to use their
access device, you are responsible for any transfers that person makes. This includes transfers of money from your
accounts unless you have told us that transfers by that individual are no longer authorized.
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Security
Your authorized individuals should keep their Company ID(s), User ID(s), VRU Access Number(s), password(s) and
PIN(s) confidential (in a secure location, separate from account numbers, Software, etc.) to prevent unauthorized
access and use of your linked accounts and electronic banking services. You should also periodically review the
authorized individuals, including the administrator, to ensure their authorization to access your linked accounts through
our electronic banking services is still appropriate. We can revoke or cancel your Company ID(s), User ID(s), VRU
Access Number(s), password(s) or PIN(s) at any time, without giving you prior notice, to help us maintain the security
of your accounts. If anyone repeatedly tries to use an incorrect Company ID(s), User ID, VRU Access Number,
password or PIN to conduct any electronic banking services from your accounts, we may prevent further use of their
Company ID(s), User ID(s), VRU Access Number(s), password(s) or PIN(s). Also, if we suspect unauthorized use of
your Card or your electronic banking services, we may temporarily prevent further use of your Company ID(s), User
ID(s), VRU Access Number(s), password(s) and PIN(s).
Notice of ATM Safety Precaution
SAFETY PRECAUTIONS FOR ATM TERMINAL USAGE. Please keep in mind the following basic safety tips
whenever you use an ATM:
•
Have your BNY Mellon ATM Card or BNY Mellon Check Card ready to use when you reach the ATM. Have
all of your forms ready before you get to the machine. Keep some extra forms at home for this purpose.
•
If you are new to ATM usage, use machines close to or inside a financial institution until you become
comfortable and can conduct your usage quickly.
•
If using an ATM in an isolated area, take someone else with you if possible. Have them watch from the car as
you conduct your transaction.
•
Do not use ATMs at night unless the area and machine are well-lighted. If the lights are out, go to a different
location.
•
If someone else is using the machine you want to use, stand back or stay in your car until the machine is free.
Watch out for suspicious people lurking around the ATMs, especially during the times that few people are
around.
•
When using the machine, stand so you block anyone else’s view form behind.
•
If anything suspicious occurs when you are using a machine, cancel what you are doing and leave
immediately. If going to your car, lock your doors.
•
Do not stand at th
e ATM counting cash. Check that you received the right amount later in a secure place, and
reconcile it to your receipt then.
•
Keep your receipts and verify transactions on you account statement. Report errors immediately. Do not
leave receipts at an ATM location.
Data Recording
The information and e-mail messages you enter through Telephone Banking, Online Banking, Mobile Business
Banking Solutions or Online Banking with Quicken® or Quickbooks® (including Bill Paying) may be recorded. By
using those electronic banking services, you consent to the recording of this data.
Account Information to Third Parties
We will disclose information to third parties about your account or the transactions you make:
• Where it is necessary for completing transactions.
• In order to verify the existence and condition of your account or our experience with your management of the
account for a third party, such as a credit bureau or merchant.
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• In order to comply with government agency or court orders.
• If you give us your written permission. Through your account agreements with us, you may have already given
us your written permission to share information about your accounts with others.
Right to Receive Documentation of Transactions
You can get a receipt at ATMs and point-of-sale machines for any withdrawals, deposits, transfers, payments, balance
inquiries or point-of-sale purchases. However, you may have the option at an ATM to elect to not receive a receipt
and a Merchant is not required to provide a receipt on any POS transaction equal to or less than $15.00.
If you have arranged to have a direct deposit made to your account at least once every 60 days from the same person or
company, you can call us to find out whether or not the deposit has been made. The number to call is printed on your
periodic account statement.
If you have contracted for any of the services described earlier in the disclosure, you will get a monthly statement for
each account if there is an electronic banking transaction to or from that account in that month. If there is no
transaction, you will get a statement at least quarterly.
Right to Stop Payment and Procedures – Not Electronically Transmitted to us.
If you have told us in advance to make regular payments out of your account, you can stop any of these payments. For
payments not being made through Telephone Bill Paying, Online Bill Paying, Mobile Business Banking Solutions or
Online Bill Paying with Quicken® or Quickbooks® call or write us in time for us to receive your request three (3) or
more business days before the payment is schedule to be made. The phone number and address to which such a
request should be directed are printed on your periodic account statement.
Right to Stop Payment and Procedures – Electronically Transmitted to us.
For Online Bill Paying, Mobile Business Banking Solutions and Online Bill Paying with Quicken® or Quickbooks®
payments, call or write us in time for us to receive your request before 5:00 p.m. on the day that the payment is
scheduled to be deducted from your account. Contact us at the address or telephone number listed at the end of this
Disclosure. If you call, we may also require you to put your request in writing and get it to us within 14 days after you
call.
You must tell us your name and account number, the name of the payee and the amount and date of the payment
whenever you request to cancel a payment.
Notice of Varying Amounts
If these regular pre-authorized payments may vary in amount, the person you are going to pay will tell you, 10 days
before each payment, when it will be made and how much it will be. You may choose instead to get this notice only
when the payment would differ by more than a certain amount from the previous payment or when the payment would
fall outside certain limits that you set.
Your Liability
You accept all liability that can be legally imposed upon you for each use of the Card at ATMs and POS terminals and
each use of the Telephone Banking, Online Banking, Mobile Business Banking Solutions or Online Banking with
Quicken® or Quickbooks® services, whether or not authorized by you. You agree to notify us immediately if you
believe the Card, or any of your Telephone Banking, Online Banking Company IDs, User IDs, VRU Access Numbers,
passwords or PINs has been lost or stolen, or if you think that any of them has been or may be used by anyone without
your authorization. You should call us IMMEDIATELY at the number listed on the last page of this disclosure. This
disclosure contains more information about your liability for electronic banking transactions.
Our Liability for Failure to Stop Payment of Pre-Authorized Transactions
If you order us to stop one of these payments three (3) or more business days before the transaction is scheduled and
we do not do so, we will be liable for your losses or damages. The three (3) or more business days notice period does
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not apply Online Bill Paying, Mobile Business Banking Solutions Bill Paying or Online Bill Paying with
Quicken® or Quickbooks® payments. If you order us to stop one of these payments by 5:00 p.m. of the day on
which the payment is scheduled to be deducted from your account and we do not do so, we will be liable for your
losses or damages. If you call, we may require you to put your request in writing and deliver it to us within fourteen
(14) days after you call.
Our Liability for Failure to Complete Transactions
If we do not complete a transaction to or from your account in time in the correct amount according to our agreement
with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for
instance:
• If through no fault of ours, you do not have enough money available in your account to make the transaction.
• If the transaction would go over the credit limit on your overdraft line or line of credit account (if any).
• If circumstances beyond our control (such as fire, flood or a mechanical or electrical failure) prevent the transfer
despite reasonable precautions that we have taken.
• If a machine or system was not working properly and you know about the breakdown when the transaction was
started or before the transaction was scheduled to occur.
• If the automated teller machine where you are making the transaction does not have enough cash.
• If the money in your account is subject to a funds availability hold, legal process or other encumbrance
restricting transfers.
There may be other exceptions not specifically mentioned above.
In Case of Errors or Questions About Your Electronic Transactions
If you think there is an error on your statement or receipt, or if you have a question about your electronic transactions,
telephone or write to us at the telephone number or address of the Bank that is printed on your periodic account
activity statement.
Call or write us as soon as you can, if you think your statement or receipt is wrong, or if you need more information
about a transaction listed on the statement or receipt. We must hear from you no later than 30 days after we sent you
the first statement on which the problem or error appeared.
• Tell us your name and account number.
• Describe the error or the transaction 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 verbally, we may require that you send us your complaint or question in writing within 10 business d
ays.
Telephone Banking – Lost or Stolen Cards; Account Numbers; PINs/Other Access Devices; or
Unauthorized Transfers
BNY Mellon, National Association
EFT Investigations Area
P.O. Box 3147
Pittsburgh, PA 15230-3147
1 800 830-0549
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Online Bill Paying – Stop Payments (Written Requests)
BNY Mellon (National Association) Phone Center
Online Bill Paying
P.O. Box 535008
Pittsburgh, PA 15253-5008
1 800 830-0549
Online Banking with Quicken® or Quickbooks ® / Online Bill Paying with Quicken® or Quickbooks® /
Online Banking – Account Numbers; PINs /Other Access Devices; or Unauthorized Transfers
BNY Mellon (National Association) Phone Center
P.O. Box 535008
Pittsburgh, PA 15253-5008
1 800 830-0549