Part E- Mobile Banking
1. Description of Services These Services are offered as a convenience and supplemental service to our SNB Online Banking service. These Services allow you to perform the Functions below via a mobile device. To utilize these Services, you must first be enrolled in SNB's Online Banking product, "MySNB"; you must then download the applicable application or "app" to your personal mobile device. Helpful information about SNB's Mobile Banking Services can be found at www.cronistalascolonias.com.ar
2. Functions
a) View Account and Transaction information.
b) View copies of cleared checks.
c) Transfer funds between certain accounts.
d) Make payments from your deposit accounts to your loan accounts.
e) Find ATM and Branch Locations.
f) Mobile deposit to an authorized deposit account.
g) Pay bills from your checking account to parties set up within your Online BillPay Service.*
h) Use SNB People Pay to conduct funds transfers.*
* You must be registered for these services.
NOTE: Some of the above functions may not be available for all Mobile Devices and/or have limited utility on certain network carriers. SNB cannot guarantee and is not responsible for the availability of data services provided by your mobile carrier, such as data outages or "out of range" issues or for hardware capabilities.
3. Use of Service In order to properly use the Services, you should review and follow the instructions provided on our website. You agree to accept responsibility for learning how to use Mobile Banking Services in accordance with the online instructions and agree that you will contact us directly if you have any problems with the Services. We may modify the Services from time to time at our sole discretion. In the event of any modifications, you are responsible for making sure you understand how to use the Services as modified. You also accept responsibility for making sure that you know how to properly use your Device and we will not be liable to you for any losses by your failure to properly use the Services or your Device.
4. Hardware and Software Requirements To use our Mobile Banking Services, you will need a compatible and supported Mobile Device which you are responsible for providing. The Device that you use may be subject to unauthorized tracking or other manipulation due to "spyware" or other malicious code. We are not responsible for advising you of the existence or potential effect of such malicious code, and your use of your software and hardware is at your own risk. Please refer to www.cronistalascolonias.com.ar for Security Tips on keeping your mobile device secure. We do not guarantee functionality or availability of the Services on all Mobile Devices. SNB's Mobile Banking app is available for Android, Apple and Amazon devices.
5. Your Responsibilities You represent and agree to the following by enrolling in the Mobile Banking Services or by using the Mobile Banking Services:
a) Account Ownership/Accurate Information - You represent that you are the legal owner of the Account(s) and other financial information which may be accessed via the Mobile Banking Services.
b) User Security - You agree to take every precaution to ensure the safety, security, and integrity of your account and transactions when using the Mobile Banking Services. You agree not to leave your Device unattended while logged into the Services and to log off immediately at the completion of each access by you. You agree not to provide your username, password, or other access information to any unauthorized person. If you permit other persons to use your Device, login information, or other means to access the Services, you are responsible for any transactions they authorize and we will not be liable for any damages resulting to you. You agree not to use any personally identifiable information when creating shortcuts to your Account.
Part F - Mobile Deposit
1. Description of Services SNB's Mobile Deposit service ("Services") are designed to allow you to make deposits to your checking or savings, from home or other remote locations by capturing the image of a check and delivering the images and associated deposit information to SNB
2. Functions: Deposit monies into your SNB Checking or Savings account
3. Acceptance of These Terms Your use of the Services constitutes your acceptance of this Agreement. This Agreement is subject to change at any time. We will notify you of any material change via e-mail, text message, or on our website by providing a link to the revised Agreement. Your continued use of the Services will indicate your consent to be bound by the revised Agreement. Further, SNB reserves the right, in its sole discretion, to change, modify, add, or remove portions from the Services. Your continued use of the Services will indicate your acceptance of any such changes to the Services.
4. Limitations of Service Only checking and savings accounts that have been open, active and in good standing for 30 days may be used for this service. When using the Services, you may experience technical or other difficulties. We will attempt to post alerts on our website to notify you of these interruptions in Service. We cannot assume responsibility for any technical or other difficulties or any resulting damages that you may incur. Some of the Services have qualification requirements, and we reserve the right to change the qualifications at any time without prior notice. We reserve the right to change, suspend or discontinue the Services, in whole or in part, or your use of the Services, in whole or in part, immediately and at any time without prior notice to you.
5. Hardware and Software In order to use the Services, you must obtain and maintain, at your expense, hardware and software compatible with the SNB Mobile App. SNB is not responsible for any third party software you may need to use the Services. Any such software is accepted by you as is and is subject to the terms and conditions of the software agreement you enter into directly with the third party software provider at time of download and installation.
6. Fees There will be no fees charged for this service at this time. SNB may change the fees for use of the Service at any time pursuant to the section titled "Acceptance of these Terms" above. You authorize SNB to deduct such fees from the same bank account as your mobile deposit.
7. Eligible items You agree to scan and deposit only "checks" as that term is defined in Federal Reserve Regulation CC ("Reg. CC"). When the image of the check transmitted to SNB is converted to an image for subsequent presentment and collection, it shall thereafter be deemed an "item" within the meaning of Articles 3 and 4 of the Uniform Commercial Code.
You agree that you will not scan and deposit any of the following types of checks or other items which shall be considered ineligible items:
a) Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into.
b) Checks containing an alteration on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
c) Checks payable jointly, unless deposited into an account in the name of all payees.
d) Checks previously converted to a substitute check, as defined in Reg. CC.
e) Checks drawn on a financial institution located outside the United States.
f) Checks that are remotely created checks, as defined in Reg. CC.
g) Checks not payable in United States currency.
h) Checks dated more than 6 months prior to the date of deposit.
i) Checks or items prohibited by the bank's current procedures relating to the services or which are otherwise not acceptable under the terms of your account.
j) Checks with any endorsement on the back other than that specified in this agreement.
k) Checks that have previously been submitted through the Service or through a remote deposit capture service offered at any other financial institution.
l) Checks that have previously been deposited or negotiated in any way via any method at SNB or any other financial institution.
8. Receipt of Items We reserve the right to reject any item transmitted through the Services, at our discretion. We are not responsible for items we do not receive or for images that are dropped during transmission. An image of an item shall be deemed received when you receive a confirmation from SNB that we have received the image. Receipt of such confirmation does not mean that the transmission was error free, complete or will be considered a deposit and credited to your account. We further reserve the right to charge back to your account at any time, any item that we subsequently determine was not an eligible item. You agree that the Bank is not liable for any loss, costs, or fees you may incur as a result of our chargeback of an ineligible item.
9. Availability of Funds Checks deposited and accepted via the Service by the p.m. EST deadline will be considered deposited on that business day and subject to the Funds Availability disclosure provided during account opening. Otherwise, we will consider that the deposit was made on the next business day we are open. Funds deposited using the Services will generally be made available on the first business day after the day of deposit.
Disposal of Transmitted Items Upon your receipt of a confirmation from SNB that we have received an image that you have transmitted, you agree to prominently mark the item as "Electronically Presented", "VOID", or otherwise render it incapable of further transmission, deposit, or presentment. You agree never to re-present the item. You agree to retain the check for at least 60 calendar days from the date of the image transmission. After 60 days, you agree to destroy the check that you transmitted. During the time the retained check is available, you agree to properly handle the check and upon request, promptly provide it to SNB.
Deposit Limits We reserve the right to and may establish limits on the dollar amount and/or number of items or deposits from time to time. If you attempt to initiate a deposit in excess of these limits, we may reject your deposit. If we permit you to make a deposit in excess of these limits, such deposit will still be subject to the terms of this Agreement, and we will not be obligated to allow such a deposit at other times.
Presentment The manner in which the items are cleared, presented for payment, and collected shall be in SNB's sole discretion subject to the agreements governing your account.
Errors You agree to notify SNB of any suspected errors regarding items deposited through the Services immediately, and in no event later than 60 days after the applicable SNB account statement is sent. Unless you notify SNB within 60 days, such statement regarding all deposits made through the Services shall be deemed correct, and you are prohibited from bringing a claim against SNB for such alleged error.
Errors in Transmission By using the Services you accept the risk that an item may be intercepted or misdirected during transmission. SNB bears no liability to you or others for any such intercepted or misdirected items or information disclosed through such errors.
Image Quality The image of an item transmitted to SNB using the Services must be legible, as determined in the sole discretion of SNB. Without limiting the foregoing, the image quality of the items must comply with the requirements established from time to time by SNB, the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearinghouse or association.
User Warranties and Indemnification You warrant to SNB that:
a) You will only transmit eligible items.
b) You will not transmit duplicate items.
c) You will not re-deposit or re-present the original item.
d) All information you provide to SNB is accurate and true.
e) You will comply with this Agreement and all applicable rules, laws, and regulations.
f) You are not aware of any factor which may impair the collectability of the item.
g) You agree to indemnify and hold harmless SNB from any loss for breach of this warranty provision.
h) You agree to destroy items 60 days from date of transmission.
Cooperation with Investigations You agree to cooperate with us in the investigation of unusual transactions, poor quality transmissions, and resolution of customer claims, including by providing, upon request and without further cost, any originals or copies of items deposited through the Service in your possession and your records relating to such items and transmissions.
Termination We may terminate this Agreement at any time, for any reason, and without notice. This Agreement shall remain in full force and effect unless and until it is terminated by us. Without limiting the foregoing, this Agreement may be terminated if you breach any term of this Agreement, if you use the Services for any unauthorized or illegal purposes or you use the Services in a manner inconsistent with the terms of your account agreement or any other agreement with us.
Enforceability We may waive enforcement of any provision of this Agreement. No waiver of a breach of this Agreement shall constitute a waiver of any prior or subsequent breach of the Agreement. Any such waiver shall not affect our rights with respect to any other transaction or to modify the terms of this Agreement. In the event that any provision of this Agreement shall be deemed to be invalid, illegal, or unenforceable to any extent, the remainder of the Agreement shall not be impaired or otherwise affected and shall continue to be valid and enforceable to the fullest extent permitted by law.
Ownership and License You agree that SNB retains all ownership and proprietary rights in the Services, associated content, technology, and website(s). Your use of the Services is subject to and conditioned upon your complete compliance with this Agreement. Without limiting the effect of the foregoing, any breach of this Agreement immediately terminates your right to use the Services. Without limiting the restriction of the foregoing, you may not use the Services (i) in any anti-competitive manner, (ii) for any purpose which would be contrary to SNB's business interest, or (iii) to SNB's actual or potential economic disadvantage in any aspect. You may use the Services only in accordance with this Agreement. You may not copy, reproduce, distribute or create derivative works from the content and agree not to reverse engineer or reverse compile any of the technology used to provide the Services.
Disclaimer of Warranties You agree your use of the services and all information and content (including that of third parties) is at your own risk and is provided on an "as is" and "as available" basis. We disclaim all warranties of any kind as to the use of the services, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and noninfringement. We make no warranty that the services (i) will meet your requirements, (ii) will be uninterrupted, timely, secure, or error-free, (iii) the results that may be obtained from the service will be accurate or reliable, and (iv) any errors in the services or technology will be corrected.
Limitation of Liability You agree that we will not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including, but not limited to damages for loss of profits, goodwill, use, data or other losses resulting from the use or the inability to use the services incurred by you or any third party arising from or related to the use of, inability to use, or the termination of the use of this services, regardless of the form of action or claim (whether contract, tort, strict liability or otherwise), even if SNB has been informed of the possibility thereof.
Part G - People Pay
1. Agreement and Disclosure This Disclosure and Consent applies to the Superior National Bank and Trust (SNB) People Pay service through SNB's Online Banking or a SNB's Mobile Banking device related to the active deposit Account(s) for which you have with us. By Acknowledging this Agreement as well as indicating your desire, you understand your rights and responsibilities to be the following:
a) The words "we", "our" and "us" refer to Superior National Bank and Trust (SNB) with whom you are transacting business for such Accounts and the words "you" and "your" mean you, the individual(s) identified on the Accounts. "Receiver" is an individual entity that is sent a payment instruction through the SNB People Pay service. "Sender" is a person that sends a payment instruction through the SNB People Pay Service.
b) SNB relies upon the information you provide when originating a payment on your behalf. Any errors, including incorrect or inconsistent Recipient names, email addresses, mobile phone numbers, Account numbers or payment amounts are your responsibility. Failure to provide correct information may result in unrecoverable loss of funds. You understand and agree that SNB has no responsibility to investigate these discrepancies. You further understand that financial institutions holding Recipient Accounts are not responsible for investigating discrepancies between names and numbers.
c) You must provide a current and valid email address and agree to provide the Bank with any updated information needed in order for us to contact you regarding the SNB People Pay service. To provide us with any changes to your contact information, log into your Online Banking account and update your information under the Customer Service tab.
d) You authorize SNB to post transactions generated by SNB People Pay through your SNB Account to another individual's Account by the method chosen by you or chosen by your recipient. In addition, you understand that you may receive funds through the SNB People Pay service from a payment generated by another individual. You hereby acknowledge that the receipt of money from another person is subject to the terms and conditions of other account agreements between you and SNB.
e) SNB People Pay payments can be made to consumers residing anywhere within the United States, its territories (American Samoa, Virgin Islands, Northern Mariana Islands, Guam, Puerto Rico and the District of Columbia) and military installations. All payments made to another person through SNB People Pay are subject to the terms and conditions within this agreement and all other agreements connected with your Account(s).
f) SNB reserves the right to modify, change or amend any of the SNB People Pay services, and/or the terms of this agreement or any other agreement you have with us, at any time, for any reason, and without notice, unless otherwise required by law.
2. Payment Processing SNB's payment processing uses Real Time Debit (RTD) at the time the payment is initiated using the available balance in your account. When you initiate a deposit to a bank Account from your eligible SNB Account using SNB People Pay, the processing of the payment will begin and may be debited from your Account immediately and will be credited in up to three (3) business days to the receiving Account. You agree that you will have sufficient available funds in the designated deposit Account to cover all outbound transactions including fee(s), on the date scheduled. When choosing to send to an email or mobile phone number, the transaction will be funded via RTD at the time the payment is claimed by the Recipient and dependent on whether information requested from the Recipient has been provided. You understand and acknowledge that there may be a delay in the debiting or receipt of funds through SNB People Pay.
3. Cut-off Time Depending on the type of payment method selected, payments conducted through SNB People Pay may be completed in real time(i.e. instantaneously) or there may be a slight delay in the processing of a debit and/or credit to a particular Account.
4. Incoming Payments The SNB People Pay service uses email and mobile number for incoming payments. When you click �Confirm' a confirmation code will be sent to your email address or mobile number and will be prompted to enter the code within the product to complete confirmation. The confirmation code expires in one hour. When confirmation is completed, the email address or mobile number is entered into the People Pay registry. SNB People Pay utilizes alert messages that are sent to all Senders and Receivers of payments.
5. Scheduling Payment(s) Payments sent to an email address or mobile number require that the Recipient claim the funds within 10 calendar days. The Recipient is directed to the SNB People Pay site in order to claim their funds and may choose how to receive the funds. They can either have the payment sent to their PayPal Account or their bank Account. Payments sent to a PayPal Account require that the Recipient login to their PayPal Account to claim the funds. Payments sent to a bank Account require the Recipient to have knowledge of their bank information.
6. Cancellation of Payment A payment request that has been initiated through PayPal or Recipient Chooses (Email or Mobile Number) may not be cancelled unless the Recipient has not yet claimed the payment. A payment request that has been initiated using Direct Deposit (you entering the Recipients bank information) or a claimed payment may not be cancelled. Inquiries on cancellations must be directed to SNB at ext.
7. Expired Payment Payments conducted through PayPal are processed in real time and will either succeed or fail immediately. If the Recipient does not have or wish to open a PayPal Account, the PayPal payment will expire in 30 calendar days. The debited amount will be returned to your account 5 calendar days after the payment expires. Payments conducted through the Recipient Chooses (Email or Mobile Number) will expire in 10 calendar days if not claimed.
8. Rejection of Payment Payments to another person may not be completed for various reasons. For example, if information provided for the Recipient is inaccurate or if identity verification is not completed, the payment may be placed on hold or the amount of the payment may be returned to your Account. Similarly, if you have insufficient funds in your Account(s) or the payment is otherwise prohibited by the terms of this agreement, the payment may not be completed. If there are insufficient funds to cover the payment at the time the Receiver attempts to claim the payment, they will receive an error message indication that the payment cannot be claimed and the Sender should be contacted.
9. Insufficient Funds If an Account does not have sufficient available funds on the scheduled transfer date, the transfer will not be made. If we do elect to initiate the transfer, it may cause an overdraft in your Account I which case you shall be liable for the overdraft item including any overdraft and related fees as disclosed in the SNB Fee Disclosure.
Statements All of your payments made through the SNB People Pay service will appear on your periodic Account statement(s). The transaction type, Recipient's name, payment amount and the transmission date will be reflected for each payment made through the SNB People Pay services. You have sole responsibility to monitor and review your statements and the payments from your Account and to immediately report any suspected fraud or unauthorized access to your Account or Account information.
eGift Card Terms and Conditions Each eGift Card purchase is final, and neither People Pay not its providers have any responsibility or liability for any eGift Card following issuance of such eGift Card to the recipient. People Pay may cancel and refund the amount of any eGift Card to you at any time prior to issuance, but no refunds by People Pay or returns to People Pay by you or the recipient are permitted. eGift Cards are subject to the Issuer's Gift Card Terms & Conditions. Any issues, claims or complaints regarding eGift Card must be resolved with the Issuer, and you waive and release People Pay and its providers from and against any and all claims, loss or damage arising from any use of or in inability to use any eGift Card.
When you confirm this eGift purchase, an email/text message will be sent to your designated recipient at the email address/mobile number you specified. This notification will inform the recipient that you have purchased an eGift Card for him/her from the Issuer you selected. The recipient will be directed to a link to redeem the eGift Card and receive a code that he/she may use to make purchases. Some eGift Card codes may be used to make purchases at physical retail locations of the Issuer, while others may be used for online purchases only. This is subject to the Issuer's terms and conditions. Sender may not cancel an eGift Card after Recipient has claimed it even though the recipient has not redeemed the eGift Card. The only time you can cancel is after purchase and before your Recipient has claimed the eGift Card.
Fees There is a $1 convenience fee imposed per SNB People Pay funds transfer transaction. eGift Card purchases are free. We reserve the right to modify the terms of this disclosure and the applicable fees and service charges at any time. Carrier charges may apply from your mobile device or internet provider and are solely your responsibility. You will be responsible for any other fees, including, but not limited to overdraft fees, which may be incurred in connection with the SNB People Pay services for insufficient funds or Bank holds on your Account.
Transfers from a money market Account to another Account or to third parties by preauthorized, automatic, online banking, telephone transfer, check, draft, or similar order to third parties are limited to six per monthly statement period. A fee will be charged if this limit is exceeded. Please refer to the SNB's Fee Schedule for applicable fees. To maintain compliance, SNB may freeze of close your account or reject transactions if this limit is exceeded.
Third Party Fees You understand and acknowledge that the use of the PayPal service may result in a payment fee being applied to any transferred fund payments by PayPal. Such fees are governed by any agreements and disclosures provided by PayPal. SNB is not liable or responsible for any such transaction fee or any fees incurred by the Recipient or any other third party in involved with the Payment.
Liability You specifically acknowledge and agree to be bound by all terms of the SNB People Pay Agreement. Additionally, you agree that SNB shall not be liable in the event that a payment is transmitted in accordance with your instructions, but is not received by the intended individual recipient, if you failed to provide complete and accurate instructions for the payment. Where we are found liable, our liability is strictly limited to the amount of any late fee caused by a delayed payment not sent in accordance with your instructions. We may suspend, reject, delay, cancel or refuse to send any payment for any reason and we shall have no liability to you or any third party for any such suspended, rejected, delayed, cancelled or refused bill payment, where SNB acts in good faith. You will be responsible for:
a) Protecting your information, passwords, logon information, and other security with SNB and with any third parties
b) Periodically updating and providing accurate and current personal information
c) Properly and accurately providing recipient information
d) Fulfilling all other obligation under this SNB People Pay Agreement
Under no circumstances will SNB, its affiliates, subsidiaries, officers, employees or representatives be liable to you or any third parties for any delayed, late, or cancelled payments, fees, expenses or costs due to insufficient funds in your Account, inaccurate information provided by you or your representatives, service not properly activated, Accounts with restricted funds or instructions, inactive Accounts or Accounts not in good standing with the Bank. SNB, its affiliates, subsidiaries, officers, employees or representatives be liable to you or any third parties for any liabilities, damages, fees, expenses, penalties or costs arising out of your negligence or your failure to monitor your Account and schedule payments properly and accordingly, or for any special, consequential, indirect, incidental, or punitive damages arising from or out of this SNB People Pay Agreement.
Termination Access to SNB People Pay service may be suspended or terminated by the Bank at any time. You may terminate your use of SNB People Pay services by contacting us through Online Banking. If you have scheduled payments pending, you are responsible for any payments sent as stated in this SNB People Pay Agreement. We shall have no liability for any failed, terminated, or cancelled payments following termination of the SNB People Pay services from you. SNB may terminate your use of the SNB People Pay service, in whole or in part, at any time with or without prior notice to you for any reason and we shall have no liability whatsoever for any failed, terminated, or cancelled payments due to such termination. Your access to the SNB People Pay service will terminate automatically if your Account is closed for any reason or if access to funds in your Account are restricted for any reason. We reserve the right to terminate your access to the SNB People Pay services if you don't use the service during any six (6) month period. Termination will not affect your liability or obligations under this SNB People Pay Agreement for transactions processed by us on your behalf and through any termination or any transfer of Accounts.
Rules and Regulations This product is governed in addition to this Agreement by all rules and regulations associated with your checking Account, the Online Banking and Bill Pay Agreement and Disclosure, and the Electronic Funds Transfer Act.
"I agree that my enrollment in Superior National Bank's Online Banking Service will be subject to the terms of the Online Banking Agreement and Disclosure, which is displayed above, and I acknowledge that I have read and understand the Agreement and agree to the terms of the Agreement and choose to accept this electronic version of the Agreement."
You may print this agreement by selecting PRINT on your browser's tool bar.
E-mail: ebanking@www.cronistalascolonias.com.ar
Address: Superior National Bank
Electronic Banking Department
Quincy St. P.O. Box
Hancock, MI
Phone: () ext.
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