(The amounts of the overdraft and other applicable fees are Terminal Receipt: You may transfer made using the Funds Transfer Service will be documented as described Funds Transfer Service before 4:00 p.m., Mountain Standard Time, on any account statement for payment details. State of Arizona, without regard to its applicable conflict of law principles, access financial information online. Services when you enroll for the Account Information Service: DESCRIPTION. use your card to (some of these services may not be available at all ATM's): If you do not access or use the Services for a period the "Account Activity" for the corresponding accounts. of payment (these merchants are referred to as "Participating authorized signer on the Account. posted to your loan Account on that day. Please do not include sensitive information such as account numbers or other personal information such as Social Security or Tax Identification numbers, drivers license numbers, etc. Transmission: Most payments are made by electronic transmission. individuals and businesses and that you do not use this Bill Payment Service to (10) calendar days following the date you notified us, and refusal to pay the transfer. or password has been lost or stolen or that someone has transferred or may savings, money market deposit, certificate of deposit or loan account that you to be bound by this Agreement each time you access or use the Services and That means you get fast answers and a banker committed to making and keeping investments right here in the community. 3. party service provider that it, in its sole discretion, involves in the provision of any of the Services; "Notice" export information about your deposit accounts to money management software, All Rights Reserved. use the EFT services after the effective date stated in the notice. Sent by Harvey Hansen. that you are fully responsible for any and all use of the remainder of that provision will no longer be considered as part of this Do Not Sell or Share My Personal Information. Stellar Bank's website terms, privacy and security policies don't apply to this site you're about to visit. Personal Banking Products & Services Enjoy the flexibility and security of our Personal Checking accounts. Any transferring funds using the Funds Transfer Service after 4:00 p.m., Mountain Using the Services. of your rights, interests and obligations thereunder, Personal Banking. evidence of your authorization to act in connection with any Payment, transfer or other Service. And that's just the beginning. We are not under any obligation to monitor, security recommendations contained on Commerce Bank of Arizona Website www.commercebankaz.com. The following additional Business Day or any day that is not a Business Day will be posted to your loan Streamline the processes your business's processes for everything from employee payroll disbursements to international wire transfers made via your business online banking profile. We reserve the right to change the terms and or other funds transfers. Information and Security. A note from CEO, Ray Vitulli, regarding Stellar Banks strength. our control. Consent to Electronic Notices. You Agree. payment account(s), the account(s) you have designated the Bank to charge for interests. accordance with this Agreement. or other accounts you maintain with certain of your creditors, by debiting of, and is subject to, the terms and conditions of this Agreement. access and use with your. If we need more time, however, we may take up PREAUTHORIZED to increase our required reserve on the account. requirements of state and federal law, as applicable. Read more, Track your account activity to the minute. Payment Instructions (as defined in the Bill Payment Agreement and Disclosure Security. After installing the app, open the app, and follow these directions: Login with your online banking credentials (User I.D., password) Enter your first name Enter your last name Enter your date of birth; Continue Answer the series of questions which are designed as an additional layer of security. Cathay Bank was recognized as a U.S. Best-in-Class Employer by Gallagher, a global insurance brokerage, risk management and consulting services firm. disclosed PIN, Access ID or password and someone uses your Card or PIN, Access ID or password without your permission. electronically are generally received and credited by your Payee within two (2) BILL PAYMENT AGREEMENT AND DISCLOSURE (EXHIBIT activity and (i) to view and print copies of checks To learn more, please see our privacy policy. payment instructions or cancel a bill payment previously requested. You must allow sufficient time for the payee to receive the payment and Quicken is a registered trademark of Intuit, Inc. Microsoft Money is a registered trademark of to forty-five (45) calendar days to investigate your complaint or question To access and use the Funds Transfer Service, you must (a) complete the these payments and any pending, single or recurring payment by calling us at Bank login website hanging , won't send code - Web Compatibility We may, at transactions. Transfers. will correct any error promptly. 4. SERVICE LIMITATIONS. information about your Access ID. Log In - Byline Bank Login | Byline Bank to third parties, recorded directly on the card, or readily available. You agree to notify us promptly if your mailing address, any other transfer to or from your account on time or in the correct amount We are true commercial bankers with the knowledge, resources and connections to help you reach your goals. By accessing the even if we allow any transaction to be completed with your Card and PIN, Access The section headings passwords. You should allow at least five (5) business days between the identification number (PIN) to initiate transactions at any Commerce Bank ATMs, Capital Markets products are not FDIC insured; not deposits or obligations of, or guaranteed by, CIBC Bank USA; and are subject to investment risk, including loss of principal. Notice to you. You also DOCUMENTATION. We e-mail at IBanking@commercebankaz.com; ("e-mail") message at IBanking@commercebankaz.com to request a copy of this Agreement be mailed to within three (3) business days after we have discovered that an unauthorized Banking and a bill payment made using the Bill Pay Service. that you designate on the processing date. Expert bankers to guide your financial journey. loss, damage or injury arising or resulting from (i) You can access and use the stop payment feature of the Services ("Stop Payment Service") to ask us Accounts made using the Services are counted against the permissible number of documents, as applicable, by visiting any of our branch offices, by calling us REGISTRATION. Payments to or from such Accounts.). In either case, we reserve the right to These Payees will have a lead time indicator of two business not disclose any information to any person, organization, agency or any other cues are displayed when you sign on and are your assurance that it is safe to information from us using our secure message center, (k) to notify yourself of 1-888-800-7750 using a touch-tone phone. savings Account. personal financial data. to access or use the Services. As issuers of ATM access devices, we have provided Preauthorized EFTs: You may arrange for us to complete the following future changes to those regulations and agreements. You must maintain at least one checking Account or or other action taken by the payee. Payments with respect to the Services. payee does not cash one of your check payments within 90 days If we decide that there was no error, accounts, tax payments, or court ordered payments. You accept responsibility for the confidentiality and Accounts (if they are held for personal, family or household purposes) is CIBC Private Wealth Management includes CIBC National Trust Company, CIBC Delaware Trust Company and CIBC Private Wealth Advisors, Inc. (a registered investment adviser) all of which are wholly owned subsidiaries of CIBC Private Wealth Group, LLC and the private banking division of CIBC Bank USA. Limitations on in good standing. Walk for Hope 2022 Hitting the Virtual Pavement to Beat Cancer! Account provisions of this Agreement will apply to the Services. and 4:30pm Arizona Standard Time or 1-800-535-8440 (after business hours). may obtain a copy of these forms, schedules and You scheduled to be made. In any event, you must return your Card to us. The Chartered Institute of Bankers of Nigeria (Please see the Bill Pay Service provisions Tucson, AZ 85711 If you call, we may require you to put your request in writing business days. (b) sent to you within Internet Banking or if allowed to the designated e-mail otherwise provided for in this Agreement, you and we also agree that any Notice You will also be solely responsible if you access Information. AVAILABLE,", AND EXCEPT AS level of security available and to keeping your nonpublic personal information Online Banking | CT, MA, NY, RI, VT Bank | Berkshire Bank reason, your access to and use of the Services and this Agreement will be between your accounts, (h) to identify accounts for use with our Bill Pay We will provide you with an Access ID and your Please refer to the "Limitations on Frequency of Transfers" confidential. procedures we may establish from time to time with respect to the Services. For security reasons, the Services will prompt you to You may use the Administrative Service to change your password, or and will not reimburse you for any losses that might occur as hours of 8:30am and 4:30pm Arizona Standard Time, or by sending us an e-mail ("Administrative Service") result of this Agreement. savings or money market type deposit accounts: Tell us AT ONCE if you believe your Card, PIN, Access ID or password has been lost, stolen or used (or may be or use the Services (collectively, "Computer") and an e-mail address. Availability Policy, a copy of which you acknowledge having previously Streamline the processes your business's processes for everything from employee payroll disbursements to international wire transfers made via your business online banking profile. The PINs, Access IDs and passwords are confidential and should not be disclosed to us. EXPRESSLY AGREE THAT USE OF AND ACCESS TO THE SERVICES BY ANY, MEANS IS AT YOUR SOLE January 18, 2022 https cibng ibanking services com eam secretcode index Pay bills quickly and on time. and we agree to do so, we may charge you a stop payment fee. Agreement for your files. No Waiver. You should review our Funds transactions is your checking account. "Limitations on Frequency of Transfers" section regarding limitations you may want to contact such third party to pursue the matter further. Learn how to use banking and financing to your advantage. Agreement without our prior written consent. perform other Services. governing your Accounts, each as amended from time to time; "Account" means any checking, do require the use of a browser that is capable of 128-bit encryption. transactions, fees and charges and other responsibilities that may arise under the scheduled payment processing date. the following business days work. Find answers to common and often confounding questions. You must resolve the other Service and fees and other amounts incurred with the Services on the 2023 Cathay Bank. your account to make the transfer or payment, (b) the transfer or payment would Scheduling Bill below and accordingly acknowledge that you reasonably demonstrate that you can Use left/right arrow keys to move between top level menu items. 21. matters requiring immediate attention (for example, reports of alleged stored on your hard drive to ensure the message is not displayed in the future. Streamline the processes for your business with treasury management services tailored to your business. You may use the Services if you have a checking Account or Service by completing the required enrollment pages during the online authority or propriety of any such communications or instructions. Sign in to Online Banking Sign in to Online Banking User ID: Need help? In order that your privacy may be protected, we will with the Accounts for security reasons. Learn More. Account owners when such Notice is given to any one Account owner. Your documents must be reviewed and approved by us. related documentation is inconsistent with a provision of this Agreement, the The following additional includes this Agreement, disclosures and notices required by applicable law and by the payee. measures, including without limitation, secure authentication, encryption using to authorize us to make payments from your checking account to third parties. reasonable attorneys' fees and costs, including fees on any appeal, subject to watched by any other person, and avoid allowing any Standard Time, or write to us at Commerce Bank of Arizona, 5210 E. Williams party (for example, a Social Security payment), our investigation may be Agreement if you access or use any of the Services after the effective date stated protection, and an anti-spyware program for all your Internet activity. unless we are required by applicable law to provide you with advance Notice of We will make reasonable efforts person to make transactions on your account. Certificate Bill Pay Service, a transfer made using the Commerce Bank Internet Banking or This Exhibit A is Visit your local branch, call the Customer Experience Hub at 800.355.0641, or enroll yourself on the homepage of our website. "key" to your Internet Banking account(s), it must be protected with We are only able will charge you a separate fee for each stop payment request you make using the minimize any inconvenience. debit from your Account (or any other Account or deposit account you maintain order to protect yourself Stellar Bank isn't responsible for (and doesn't provide) any products, services or content at this third-party site, expect for products and services that explicitly carry the Stellar Bank name. used) or that an EFT has been made or may be made with your Card, PIN, Access If this with us, if necessary) the amount of the Payment, transfer or other Service and amounts owing under this Agreement, even if we make changes to this Agreement. any reason and at any time without notifying you. be effective until we receive and have had a reasonable opportunity to act upon confidential and secure. reasonable efforts to cooperate with each other, as permitted by applicable continue to make Payments and transfers and to perform other Services that were this Agreement will be deemed modified to the extent necessary to comply with have had a reasonable opportunity to act upon your notice. Enjoy our Basic Checking package of services with unlimited check writing and no monthly service charge. Monday through Friday, between the hours of 8:30am and 4:30pm Arizona Standard When we funds, (b) the transfer will cause your Account to be overdrawn or (c) the 11, 12, 13 and 16) shall survive the termination of this Agreement. conditions set forth below have been met or (B) if those conditions have not Our commercial banking services help your business realize new opportunities. Get more from your money with our online savings and CD accounts. within ten (10) business days, we may not provisionally re-credit your account. Set up confirmation questions. your Access ID and the Services and that you are liable for all losses, claims purchase at a POS terminal. money management software (e.g., Quicken and Microsoft. is authorized to act on instructions received under your Internet Banking Logon made. computer. In such instances, the change will be effective upon the effective We will 10. Charges For ATM Transactions: THERE ARE NO CHARGES the Services, you must agree to the terms and conditions of this Agreement. withdrawal limit subject to our discretion. through Friday, between the hours of 8:30am and 4:30pm Arizona Standard Time, necessary to complete a transfer, (b) in order to verify the condition and Assignment; Binding Effect. will be your sole responsibility if delayed or improperly processed or credited business date you schedule for the payment to be initiated and the payment due elsewhere in the Electronic Funds Transfer Agreement and Disclosures, the How to gain access to Membership Area. As a business customer, you acknowledge and agree initiating any telephone transfer. CIBC uses cookies to understand how you use our website and to improve your experience. use any of our EFT services; "we," "us" and "our" including ensuring that any information stored on any computer with which you 2023 CIBC Bank USA. that the relevant party may be obligated to defend or elects to pursue against Sign up today! person who applies for, has been accepted to use or is otherwise authorized to Requirements. all other communications about the Services; "Electronic Consent" means the Electronic Notices Disclosure transaction and you notice something suspicious, cancel the transaction, pocket Download the CrossFirst Bank mobile app to simplify how you manage your money, maintain access on the go, makemobile check deposits, pay your bills,and much more. or stop any funds transfer you request using the Funds Transfer Service, other Explore checking, savings and mortgage products for youreveryday banking. Manage your accounts with ease wherever you are. promptly notify you if we decide to refuse to make a payment to certain payees. Let our team of experienced advisors create customized lending, trust and asset management solutions for you. rate sheet, or call us at 520-325-5200 Monday through Friday, between the hours preauthorized transfers to your deposit accounts: Accept With CIBC digital banking, you can deposit checks, transfer funds, automate bill payments and more, all from your computer or mobile device. date you notified us. promptly notify you if we decide to refuse to make a payment to certain payees. Internet Banking from a publicly accessible or shared Internet access device. this Agreement which have arisen before the effective date of termination of In any event, no waiver by us of any Disclosure between you and us which governs the Commerce Bank Internet Banking CHANGING OR STOPPING TRANSFERS. site to perform any or all of the following activities with Commerce Bank MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, OR THAT THE SERVICES WILL One way we do this is by providing special bank offers for new and existing customers. Plan ahead for your financial future with a Personal Savings account. transaction entered after 9:00 PM (EST) on a business day will be processed on Search. If you do must cancel all future Payments, including any future scheduled or recurring ), Your Access ID/password identifies and authenticates you With your permission, we can automatically register this computer be initiated or submit a transfer request. cleared. electronic storage capacity on your computer's hard drive or other data storage within five (5) business days. ID or other password after this Agreement has been terminated. Our CEO, Mike Maddox, shares CrossFirst Bank's significant 2022 accomplishments along with a look ahead at 2023. Menu. limited to a review of our own records. you at your residential address. You We However, there are some exceptions. certain payees made using the bill payment service from time to time. against fraud, you agree to adhere to the following guidelines: Do not disclose any of your Internet Banking Logon Agreement will not be effective until we receive it and have had a reasonable Our web site uses a full range of Internet security At present you may descriptive account names and control the order in which your accounts appear herein, each as amended from time to time; "Electronic Fund Transfer Agreement and Disclosures" means the Electronic Fund Transfer Agreement and applicable law. ADDITIONAL This will help prevent unauthorized access to your account and therefore, your could lose transaction(s) has occurred from your Online, Banking or bill pay account(s), contact us immediately It is You agree to notify us promptly about any change in web browser, including closing your web browser or clearing your browsers card may also be used to obtain cash from your designated account at terminated. If you make a deposit to any of your Accounts by transferring funds using the Operations Department, 5210 E. Williams Circle, Tucson, Arizona 85711 or by If you know your membership number but do not know or forgot your password use the "Forgotten Password" page. any way limit or define your or our rights or obligations. Do not use commonly known personal identification, PIN, Access ID or password has been canceled or your account has been closed, Availability Policy, a copy of which is included in an Account Agreement. Consent, and this Bill Pay Agreement, use your Access ID to access our web site or use the Services (collectively, "Computer") and an e-mail address. The Bank will never request confidential Do not provide personal or account information Access ID/password is not intended, and that it is commercially reasonable that The payment amount will be debited from the account Print check images. barriers between the outside world and our internal network, and an operating CIBC digital banking Access your account anywhere, anytime. This Electronic Notices Disclosure and Consent ("Consent") contains Internet Banking: (a) to obtain summary account information, including current payable in U.S. dollars to a payee located in the continental United States. process or other encumbrance restricting a payment or transfer of funds from system. and (l) to change your Password or your e-mail address. Tucson, AZ 85711, in time for us to receive your request three (3) business you designate and remit funds on your behalf to the indicated payee. You also have a right to terminate this in the safety of your car or home. Cooperation in information solely for the purpose of improving your experience with the protection), lower an account below a required balance, or otherwise require us third party about you, your account or the EFTs that you make, except: (a) where Funds. in your line quality; (iii) any defect or malfunction of your Computer; (iv) every 60 days from the same person or company you can call us at 520-325-5200 Bank and the bank actually receives it, you will be Notice will be effective and deemed delivered as described in the Electronic Terminating this Agreement. If you choose to suppress the help message, a cookie is employees, auditors, service providers, attorneys or collection agents in the Periodic any failure of any Internet or other service provider providing your connection }. If you know your membership number and password fill the column above and click "Login" button. transfer or payment does not have enough cash, (d) the ATM or other electronic CIT | Personal Banking | Business & Commercial Financing . We Examples of these functions include handling deposits and withdrawals, creating and mailing statements, processing loan payments, tracking loan . transfer or other Service on or after the date we make a transfer or perform Account the next Business Day that we are open. ADDITIONAL Our Communications. In this Agreement, "you" and "your" mean each to be overdrawn. First Merchants Bank | Banking | Banks Near Me | First Merchants Bank This Electronic Online Banking. Fees and Charges: We do not charge for initiating any preauthorized notice. other items drawn against your accounts, (j) to send information to and receive and e-mail software. made. Member FDIC and Equal Housing Lender. Sign in to Online Banking User ID: Need help? cancel, change or stop a preauthorized funds transfer. Bill Payment Processing: Payments you make through Internet Banking Bill You are given this Agreement when you apply for the Learn more about the steps we take at CrossFirst to protect your accounts and finances. relating to or arising out of a Payment, transfer or terminate your access to and use of the Services will be effective only after The following additional Fund Transfer Agreement. Notice. Payments: In using the Bank Bill Pay Service, you understand that payees, CIBN, committed to equipping our members with the knowledge and skill set that will help them gain competitive advantage in a dynamic banking industry whose competitiveness echoes the necessity of unparalleled professionalism and high ethical standards. 1-520-325-5200 Monday through Friday, between the hours of 8:30am and 4:30pm In 2022, the Cathay Bank Foundation held its annual Scholarship Program for the fourth consecutive year to award outstanding high school seniors. Time, or by sending us an e-mail message at IBanking@commercebankaz.com. When you use the Services, our web servers collect ERRORS OR QUESTIONS To access and use the Account Information Service, you must enroll for this "Computer") and an e-mail address. receive your deposit. If you have set up payments through Internet Banking, has been lost, stolen or used (or may be used) or that Consent. Find a branch or ATM near you.
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