We will determine whether an error occurred within ten (10) Business Days after we hear from you and will correct any error promptly. If you fail to notify Citizens Bank of any such discrepancy within the time period set forth in the Account Agreement, you shall be precluded from asserting the discrepancy against Citizens Bank. There is no action, suit, or proceeding pending or, to your knowledge, threatened, which if decided adversely, would affect your financial condition or operations. You also acknowledge and agree that, if you permit a third-party to use the Digital Service and/or share your User ID and Password, you are responsible for any transfer or payment that third party makes from your Account, even if that third-party exceeds your authorization, and for any other issues that arise with respect to your Account and/or information contained in your Account, by virtue of the fact that you shared your User ID and Password. Subject to compliance with the terms, provisions and conditions of this Agreement, the Bank will process the Mobile Deposit on the day of receipt of the Mobile Deposit and enter the Images of the check into the collection process, in accordance with the Account Agreements pertaining to the account(s) into which the Mobile Deposit is to be made and this Agreement. Transfers occur on the first transfer date specified and then again every 15 days after the first transfer date. The Digital Service is available by clicking on the Citizens Secure Online Banking login at www.citizensbank.com or by installing the Citizens Mobile application from your smart device and enrolling there. Business customers may obtain an ATM or Debit Card by visiting a branch. At this time, you may request services such as stop payments or statement or check copies through the online banking application only. You agree that you will use your best efforts to cooperate with us in the prosecution or defense of any such claim(s) ; provided, however, you are not obligated to indemnify Bank for any damages solely and proximately caused by Bank's gross negligence or willful misconduct. This Agreement is valid and enforceable against you in accordance with its terms, and the entry into, and performance of this Agreement by you will not violate any law, or conflict with any other agreement, to which you are subject. Devices which have been unlocked in an unauthorized fashion or otherwise modified may not be eligible for use with Face/Touch ID. You hereby acknowledge and agree that we shall not be liable to you for any loss or damage of any nature sustained by you as the result of your inability to use the Service. You shall scan the front and back of each check to be deposited and thereby capture the image of the front and back of each check and any other required data from each check and transmit the Images to be deposited and all other required data and information from or pertaining to such checks to us or our Processor in accordance with the Procedures. If you have any questions, please call our Customer Information Center at 508.732.7072 (7:00 A.M. to 8:00 P.M. Monday through Friday; Saturday from 8:00 A.M. to 5:00 P.M.; Sunday 10:00 A.M. to 3:00 P.M.), or stop by one of our many convenient branch locations. Reinstatement of Account access will be subject to standard approval rules for Digital Service access. (ii) You may receive banking alerts through a text- or web-enabled mobile device, an e-mail account that is accessed via a personal computer, or both. The private banks in Germany have agreed on an upper limit of EUR 1,95 for their ATM fees. You may ask for copies of documents used in our investigation. Citizens Bank shall not be responsible for any errors in the Instructions or requests for cancellation or amendment of Instructions transmitted to Citizens Bank by you, and your sole recourse for erroneous or unauthorized Entries or Instructions received by Citizens Bank from a third-party processor acting on behalf of you is against such third-party processor and not against Citizens Bank. You are obligated to ensure that the original checks are not accessed by unauthorized persons during the storage, destruction, and disposal process and, once destroyed, the original checks will be unprocessable and all sensitive personal and financial information undecipherable. Notice of receipt by the beneficiary of the Wire Transfer in any form, if received by the Bank from any correspondent bank, agent or sub-agent shall be conclusive proof of payment and the performance by the Bank of its obligations hereunder. (v) Eligible Items and Security Interest. Face/Touch ID utilizes Apples biometric technology. You also agree to never leave your computer or mobile device unattended while using the Digital Service and always exit the Digital Service by clicking on "LOG OUT" located in the upper right portion of the screen after using the online banking application and by clicking on LOG OUT located in the dropdown menu on the top left of the mobile app.. You may change your Password or User ID at any time using the My Profile Section of the Digital Service. If you receive such an email purportedly from us, do not respond to the email and notify us by calling 1-800-922-9999or forwarding (including header information) the email to fraud_prevention@citizensbank.com. We reserve the right to modify limits and/or qualifications at any time, based on our sole discretion. We do not recommend frequent bill payments from Money Market Accounts due to transaction restrictions on transfers and payments for Money Markets. per statement cycle per day (initial approval required) per transaction over 6/month per bag per item; $168 daily max per item per item per day per page-black and white per hour-1 hour minimum per monthly statement per fax per e-mail per transaction over 18 per quarter per month Transfer governed by Uniform Commercial Code. However, there are some exceptions. You authorize us to rely on your User ID and Password to identify you when you use the Digital Service, and as signature authorization for any transfer or payment made using the Digital Service. We will not, however, notify you if you attempt to make a Prohibited Payment. Online Business Solutions Overview | Citizens Bank Personal Bank Account Disclosures | First Citizens Bank The Super User must be authorized to act on behalf of the business. It is your responsibility to determine if your mobile service provider supports text messaging and your telephone or other mobile device can receive text messages. If you go to a Frozen status, Pending Payments and recurring models are not cancelled they are considered in a "hold" status. We recommend that you print or store a copy of this Agreement for your records. (d) Transaction Processing for Transfers Outside the Bank. You authorize the Bank to deduct any such fee from any of your Bank accounts, even if such deduction causes an overdraft in the account. The above limits apply to the total of all transfers outside the Bank for all accounts. Tell us AT ONCE if you believe your Digital User ID or Password, or both, has been lost, stolen, or used (or may be used) without your permission. Future dated or recurring transfers may be modified or deleted using Edit or Delete on the Transfer History screen within the Digital Service. eStatement and/or eNotice includes identical information to what would be shown on the front and back side of the paper periodic statement and/or notice you would otherwise receive. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to investigate your complaint or question following the date you notified us. Banks That Are Waiving Fees During Coronavirus - Forbes Bank reserves the right to set limits and/or qualifications at any time. You can deactivate Face/Touch ID immediately on your Device by changing your account password for the Digital Service. No Impact. Consumer Qualifications. (vii) Image Quality. When scheduling payments you must select a Pay Date that is no later than the actual Due Date reflected on your Biller statement unless the Due Date falls on a non-Business Day. If we do not recognize your computer, we will ask you one of your challenge questions to verify your identity. Upon enabling Face/Touch ID, the User ID stored on the Device will be saved within this application. We are not, however, under any obligation to give you our written acknowledgment. Citizens Bank offers a wide variety of services to help you make the most of your account. Execution of Wire Transfer. All research and resolution for any misapplied, mis-posted, or misdirected payments will be the sole responsibility of you and not of the Digital Service. The captions and headings contained in this Agreement are for convenience of reference only and shall not be used to limit the applicability or meaning of any provisions of this Agreement. The 2 larger ATM networks are operated by the Sparkassen (savings banks) (~ 25.000 ATMs) and Volks- and Raiffeisen banks (credit unions) (~ 19.000 ATMs). Learn more by visiting our Digital Banking page. Simply stop by any Citizens branch during normal business hours. Request Stop Payments2. Other agreements you have entered into with the Bank in connection with your Citizens Bank accounts and other services, including but not limited to, as applicable, the Personal Deposit Account Agreement (including Arbitration Agreement), Business Deposit Account Agreement, Funds Availability Disclosure, Consumer Privacy Notice, Online Privacy Policy, Fees and Features Guide, and Account Signature Card (collectively, the "Account Agreements") are incorporated by reference and made a part of this Agreement. Customers can schedule payments up to 30 days in advance. You will only deposit checks that are authorized by this Agreement, the Procedures and the Personal Deposit Account Agreement and/or Business Deposit Account Agreement governing your account. We may revoke any credit provided to you if we find an error did not occur. Stop Payment on a Check: What It Is, How to Do It - Investopedia You may choose to hide accounts using our Account Nickname & Display Settings or call us to remove a linked account. If after examination of a Mobile Deposit, the Images and other information contained therein, the Bank determines that you have complied with this Section 38, processed and transmitted the Mobile Deposit in accordance herewith and with the Procedures, the Bank shall accept the Mobile Deposit for deposit to your Account. Access your account(s) with Digital Banking or find available MoneyPass Network ATM locations to access your accounts and/or withdraw cash with your Citizens Bank Debit Card for no fee. We will notify you of any material change via e-mail, by providing a link to the revised terms on our website or by an online or mobile secure message. Small businesses and Gemini Users (customer with a business account linked to their Personal Online Banking profile) will not have access to Auto Pay at this time. Uninstalling the Citizens Mobile Banking Application does not delete your Keychain data from your Device. We may terminate this Section 38 at any time for any reason. Can I access investment accounts with Online Banking? Customer Required to give Notice of Unauthorized or Erroneous Wire Transfer If the Wire Transfer is not authorized by you, the liability of the parties will be governed by Article 4A. You agree to cooperate with us in the investigation of unusual transactions, poor quality transmission, and resolution of client claims, including by providing, upon request and without further cost, any originals or copies of checks deposited through the Mobile Deposit Service in your possession and your records relating to such checks and transmissions. Use the Stop Duration dropdown to select a period of time during which the stop will be in effecteither 6 months or 1 year. For Transfers to Personal Credit Cards the transfer cutoff time means 11:59 p.m., Eastern Time on any day and is the time by which you must transmit Transfer instructions in order for such transfer to be considered entered on that particular day. To avoid late fees and other finance charges, the Pay Date that you enter should be equal to or earlier than the actual Due Date of your bill, not the late date and/or a date within the grace period. A stop payment may only be requested if a check has been issued for your payment and if the check has not cleared. 1. Debits, Set-off, and Overdrafts. You agree to notify us if your access to or authority over any linked Account changes. The Super User is designated during enrollment. In any event, no such delay or waiver by us is effective unless it is in writing and signed by us. Funds from your Mobile Deposit that are received and accepted by the Bank will be made available to you at the time and on the basis described below in the Mobile Deposit Accessibility Schedule below and not according to the Funds Availability Policy found in your Account Agreement. After capture of the front and back Images and all other required data and information from the paper check, you will transmit, via the Internet, the Mobile Deposit containing the Images and all other required data and information from or pertaining to the check to the Bank or Processor using the Software. Credit Card Agreements. We reserve the right to change any incidental charges and fees associated with the Digital Service from time to time. Any electronic communication we send to you will be considered received within three (3) calendar days of the date sent by us to the email address or telephone number you designate in your profile. Once a transfer is scheduled, your transfer will be reviewed as part of our fraud prevention process, and may be held until further confirmation is received by you. (ii) Payment Methods. Please note that your payment must be processed by your payment due date to avoid assessment of finance charges and/or late fees. If you have overdraft plan accounts that are linked to your Account, they continue to be governed by the applicable agreements you have with us. An Outgoing transfer moves funds from your deposit account with the bank to an account you own outside the bank. You agree to maintain sufficient collected balances in your Account to cover your transfer obligations for all Entries transmitted to Citizens Bank. You will be prompted to set the following: a User ID which must be between 5 and 20 characters; a Password of between 8 and 15 characters (different from your User ID), including at least one number and one letter (letters ARE case sensitive), that cannot include spaces or special characters and cannot be same as the User ID; challenge questions that will only be presented to you, in the online banking application, if we do not recognize the device or computer you are using to access your account information; and your primary e-mail address for receiving electronic communications as discussed above. var yyyy = Year.getFullYear(); You will be prompted to accept or reject any material change the next time you use the Mobile Deposit Service after the Bank has made the change. Service Fees | Citizens Bank For Transfers Inside the Bank, the transfer cutoff time means 11:30 p.m. EST. As provided more fully in the Electronic Notice Disclosure and Consent you agreed to concurrently with your enrollment in the Digital Service, you agree to receive this Agreement and any and all disclosures or notices required by Applicable Law and all other communications, electronically to the email address you designate in your profile. Check Images and Deposit Slips. . You should use care when choosing your User ID and Password. Special Rules for Instant Funds from Citizens (Instant Funds): Bank may offer customer the option to access funds sooner than identified in the Mobile Deposit Accessibility Schedule if the mobile check deposit qualifies for Instant Funds. There is no charge for canceling or editing a Pending Payment. If you deposit a Prohibited Check, you agree to indemnify and reimburse the Bank for, and hold the Bank harmless from and against, any and all losses, costs and expenses (including reasonable attorneys' fees) the Bank may incur associated with any warranty, indemnity or other claim related thereto. You agree to provide the requested information immediately upon request by us, in the form that we require. You can access your Digital Investment Accounts through the Digital Service via a link provided for that purpose. In order for you to utilize the Face ID or Touch ID functions of our Mobile Banking Application (collectively Face/Touch ID), you must be enrolled in the Digital Service and agree to this Agreement and the Electronic Notice Disclosure and Consent. We may, upon notice to you, to the extent required by applicable law, charge a fee for use of the Mobile Deposit Service. Citizens Bank | Community Partners in Your Financial Success You also agree to receive emails from us to any address where we reasonably believe that we may contact you. Transfers outside the Bank are available to all customers, but you agree we may cancel, without prior notice, upon the occurrence of a "Disqualifying Event," as defined below. The fees for stopping a check can range from $15 to $35. The way the Images are cleared, presented for payment, and collected shall be in the Bank's sole discretion subject to applicable law and the Account Agreement.

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