Common use of Mobile Check Deposit Clause in Contracts

Mobile Check Deposit. If enabled by the Bank for your Account, Mobile check deposit ("Mobile Deposit") allows you to make deposits to your Account remotely by using the Mobile App to take a legible picture of the front and back of the negotiable check(s) and transmitting images of such instruments to the Bank in compliance with the Bank’s requirements ("Check Image(s)"). If the Check Image is accepted for deposit, the Bank will notify you electronically using the e-mail address you provided, through the Mobile App, or by postal mail. The Bank will attempt to collect the item by presenting the image or converting the image into a digital representation of the original check ("Substitute Check"). Unlike traditional check deposits, you retain the original paper check when you use Mobile Deposit. Bank is not liable for any Substitute Checks that may become lost in the mail. See “Substitute Check Policy Disclosure” in this Agreement for further information on Substitute Checks. The manner in which Substitute Checks are cleared, presented for payment and deposited will be determined by the Bank, in Bank’s sole discretion which may change, modify, add or remove functionality from Mobile Deposit at any time, with or without notice to you. Mobile Deposit Eligibility. Bank will determine whether you are eligible for the Mobile Deposit. Bank may suspend or terminate your use of Mobile Deposit at any time and without prior notice to you. If you violate the terms of Mobile Deposit, such actions may be used as a basis to terminate your Account. Mobile Deposit Limits. Limits may be imposed on the dollar amount or number of deposits you make through Mobile Deposit, and Bank may change such limits at any time at Bank’s discretion. Bank may decline to accept any Check Image you submit through Mobile Deposit at Bank’s sole discretion. Third-Party Checks. Third-party checks deposited through Mobile Deposit may be rejected. All Check Images submitted for deposit must be payable to you and not to a third-party. Retention of Original Check. Once the funds from the Check Image have been credited to your Account, you must mark the original check as "VOID" and retain it for sixty (60) days. You may not present the original check, or any Substitute Check created from the original check for payment at any other financial institution. During this sixty (60) day period, you must store the original paper check securely using precautions at least as secure as those you would use to protect a blank check. You must make the original paper check available to Platform or the Bank for review at any time during this sixty (60) day period as necessary to facilitate the clearing and deposit process, to address third-party claims or for Bank’s own audit purposes. Should you fail to produce the original paper check, you authorize Bank to deduct the amount of the check in question from your Account, regardless of whether such action may cause your Account to not have sufficient funds. Immediately after this sixty (60) day period, you must destroy the original paper check. Presenting Checks More than Once. Once you have used the Mobile Deposit service to deposit a check, you agree not to present, or allow anyone else to present, that original check or a substitute check of that original check again for deposit through the Mobile Deposit service or by any other means with the Bank or any other financial institution. Mobile Deposit Funds Availability. There may be a delay between the time a deposit is made and when it will be available for withdrawal. Business Days and Cut-off Time: Bank is open Monday through Friday excluding federal holidays. Check Images received and accepted for processing prior to 5:00 PM Central Time on a business day that Bank is open are considered received as of that day. Otherwise, the Check Images will be considered the work of the next business day. See additional information in the Funds Availability Policy. • Checks payable to any person or entity other than you (i.e., third party checks); • Checks payable jointly to you and any other person (i.e. made out to 'Xxxx *and* Xxxx Xxx') deposited into a sole-owned account; • Checks containing alterations, illegible items, fraudulent checks, or checks that you should have known or have reason to believe were fraudulent; • Checks that are taken off an electronic screen such as a computer or mobile device; • Checks that have been previously deposited at another institution via physical item, image or electronic funds transfer; • Checks from financial institutions located outside of the United States; • Checks that are not payable in U.S. dollars; • Checks that are more than six (6) months old (i.e. stale-dated); • Checks that are post-dated, or payable on a date in the future; • Remotely created checks (a check created by a merchant with a buyer's checking Account number on it, but without the buyer's original signature); • Travelers' checks and savings bonds; or • Non-negotiable instruments, such as promissory notes. Check Endorsements. You will endorse any check or other item submitted for deposit exactly as it was made payable to you. You warrant that all endorsements on items deposited to your Account are genuine. Any endorsement must be placed in the one-inch area starting at the left side on the back of an item and the remaining area on the back of the item may not contain any preprinted, stamped or handwritten information. If you fail to do this, you may be required to reimburse the Bank for losses incurred. For any check deposited as a Check Image through Mobile Deposit, you must endorse the check by signing or stamping the back and writing "FOR MOBILE DEPOSIT ONLY to Account #XXXXXXXXXX" or as otherwise instructed by the Bank before you take a picture of the check. In the absence of endorsement, you authorize the Bank to supply any missing endorsements if items are made payable to you or your order and you have not endorsed them.

Mobile Check Deposit. If enabled by the Bank for your Account, Mobile check deposit ("Mobile Deposit") allows you to make deposits to your Account remotely by using the Mobile App to take a legible picture of the front and back of the negotiable check(s) and transmitting images of such instruments to the Bank in compliance with the Bank’s requirements ("Check Image(s)"). If the Check Image is accepted for deposit, the Bank will notify you electronically using the e-mail address you provided, through the Mobile App, or by postal mail. The Bank will attempt to collect the item by presenting the image or converting the image into a digital representation of the original check ("Substitute Check"). Unlike traditional check deposits, you retain the original paper check when you use Mobile Deposit. Bank is not liable for any Substitute Checks that may become lost in the mail. See “Substitute Check Policy Disclosure” in this Agreement for further information on Substitute Checks. The manner in which Substitute Checks are cleared, presented for payment and deposited will be determined by the Bank, in Bank’s sole discretion which may change, modify, add or remove functionality from Mobile Deposit at any time, with or without notice to you. Mobile Deposit Eligibility. Bank will determine whether you are eligible for the Mobile Deposit. Bank may suspend or terminate your use of Mobile Deposit at any time and without prior notice to you. If you violate the terms of Mobile Deposit, such actions acti ons may be used as a basis to terminate your Account. Mobile Deposit Limits. Limits may be imposed on the dollar amount or number of deposits you make through Mobile Deposit, and Bank may change such limits at any time at Bank’s discretion. Bank may decline to accept any Check Image you submit through Mobile Deposit at Bank’s sole discretion. Third-Party Checks. Third-party checks deposited through Mobile Deposit may be rejected. All Check Images submitted for deposit must be payable to you and not to a third-party. Retention of Original Check. Once the funds from the Check Image have been credited to your Account, you must mark the original check as "VOID" and retain it for sixty (60) days. You may not present the original check, or any Substitute Check created from the original check for payment at any other financial institutioninsti tution. During this sixty (60) day period, you must store the original paper check securely using precautions at least as secure as those you would use to protect a blank check. You must make the original paper check available to Platform or the Bank for review at any time during this sixty (60) day period as necessary to facilitate the clearing and deposit process, to address third-party claims or for Bank’s own audit purposes. Should you fail to produce the original paper check, you authorize Bank to deduct the amount of the check in question from your Account, regardless of whether such action may cause your Account to not have sufficient funds. Immediately after this sixty (60) day period, you must destroy the original paper check. Presenting Checks More than Once. Once you have used the Mobile Deposit service to deposit a check, you agree not to present, or allow anyone else to present, that original check or a substitute check of that original check again for deposit through the Mobile Deposit service or by any other means with the Bank or any other financial institution. Mobile Deposit Funds Availability. There may be a delay between the time a deposit is made and when it will be available for withdrawal. Business Days and Cut-off Time: Bank is open Monday through Friday excluding federal holidays. Check Images received and accepted for processing prior to 5:00 PM Central Time on a business day that Bank is open are considered received as of that day. Otherwise, the Check Images will be considered the work of the next business day. See additional information in the Funds Availability Policy. • Checks payable to any person or entity other than you (i.e., third party checks); • Checks payable jointly to you and any other person (i.e. made out to 'Xxxx *and* Xxxx Xxx') deposited into a sole-owned account; • Checks containing alterations, illegible items, fraudulent checks, or checks that you should have known or have reason to believe were fraudulent; • Checks that are taken off an electronic screen such as a computer or mobile device; • Checks that have been previously deposited at another institution via physical item, image or electronic funds transfer; • Checks from financial institutions located outside of the United States; • Checks that are not payable in U.S. dollars; • Checks that are more than six (6) months old (i.e. stale-dated); • Checks that are post-dated, or payable on a date in the future; • Remotely created checks (a check created by a merchant with a buyer's checking Account number on it, but without the buyer's original signature); • Travelers' checks and savings bonds; or • Non-negotiable instruments, such as promissory notes. Check Endorsements. You will endorse any check or other item submitted for deposit exactly as it was made payable to you. You warrant that all endorsements on items deposited to your Account are genuine. Any endorsement must be placed in the one-inch area starting at the left side on the back of an item and the remaining area on the back of the item may not contain any preprinted, stamped or handwritten information. If you fail to do this, you may be required to reimburse the Bank for losses incurred. For any check deposited as a Check Image through Mobile Deposit, you must endorse the check by signing or stamping the back and writing "FOR MOBILE DEPOSIT ONLY to Account #XXXXXXXXXX" or as otherwise instructed by the Bank before you take a picture of the check. In the absence of endorsement, you authorize the Bank to supply any missing endorsements if items are made payable to you or your order and you have not endorsed them.

Mobile Check Deposit. If enabled by the Bank for your Account, Mobile Service The optional mobile check deposit ("service that enables an owner of a Personal Account to deposit checks to a Personal Account though Consumer e-Banking using the mobile check deposit application on a Mobile Devices. Not all Personal Accounts or financial services and products are accessible or available through Mobile Check Deposit") allows . Mobile Device A mobile phone, tablet or other electronic equipment which connects to theInternet either through Wi-Fi or through a data plan furnished by a cellular carrier, and which contains an operating system, data plan, software and hardware supported by us now or in the future. One Time Payment A single payment to the Xxxxxx in the amount designated by you. Payment Instruction The information provided by you to make deposits us for a Xxxx Payment to your Account remotely by be made to the Xxxxxx (such as, but not limited to, Xxxxxx name, Xxxxxx account number, and Scheduled Payment Date). Payment Methods Payments may be made using the Mobile App to take a legible picture of the front and back of the negotiable check(s) and transmitting images of such instruments to the Bank in compliance with the Bank’s requirements ("Check Image(s)"). If the Check Image is accepted for depositACH, the Bank will notify you electronically using the e-mail address you provided, through the Mobile App, or by postal mail. The Bank will attempt to collect the item by presenting the image or converting the image into a digital representation of the original check ("Substitute Check"). Unlike traditional check deposits, you retain the original paper check when you use Mobile Deposit. Bank is not liable for any Substitute Checks that may become lost in the mail. See “Substitute Check Policy Disclosure” in this Agreement for further information on Substitute Checks. The manner in which Substitute Checks are cleared, presented for payment and deposited will be determined by the Bank, in Bank’s sole discretion which may change, modify, add or remove functionality from Mobile Deposit at any time, with or without notice to you. Mobile Deposit Eligibility. Bank will determine whether you are eligible for the Mobile Deposit. Bank may suspend or terminate your use of Mobile Deposit at any time and without prior notice to you. If you violate the terms of Mobile Deposit, such actions may be used as a basis to terminate your Account. Mobile Deposit Limits. Limits may be imposed on the dollar amount or number of deposits you make through Mobile Deposit, and Bank may change such limits at any time at Bank’s discretion. Bank may decline to accept any Check Image you submit through Mobile Deposit at Bank’s sole discretion. Third-Party Checks. Third-party checks deposited through Mobile Deposit may be rejected. All Check Images submitted for deposit must be payable to you and not to a third-party. Retention of Original Check. Once the funds from the Check Image have been credited to your Account, you must mark the original check as "VOID" and retain it for sixty (60) days. You may not present the original check, or any Substitute Check created from other methodchosen by the original check Bank. Personal Account A Deposit Account or Loan Account owned by a Consumer that is usedprimarily for personal, family or household purposes. Personal Finance Manager Service An optional service within Consumer e-Banking and Business e-Banking that allows you to view, organize and maintain information about your Accounts as well as other accounts that you maintain online with other third parties. Properly Scheduled Payment A Scheduled Payment that conforms with the terms and conditions of this Agreement and in which, at the time the payment at any other financial institution. During this sixty was scheduled (60i) day period, you must store there were sufficient funds in the original paper check securely using precautions at least as secure as those you would use Xxxx Payment Account to protect a blank check. You must make the original paper check available payment as requested; (ii) the Xxxx Payment Account and the Billing Account were open and in goodstanding, and (iii) the customer enrolled in the Xxxx Payment Service. Recurring Payment A regular payment of a fixed amount designated by you to Platform or the Bank for review at any time a Xxxxxx that isautomatically made during this sixty (60) day period as necessary to facilitate the clearing and deposit process, to address third-party claims or for Bank’s own audit purposesrecurring intervals. Should you fail to produce the original paper check, you authorize Bank to deduct the amount of the check in question from your Account, regardless of whether such action may cause your Account to not have sufficient funds. Immediately after this sixty (60) day period, you must destroy the original paper check. Presenting Checks More than Once. Once you have used the Mobile Deposit service to deposit a check, you agree not to present, or allow anyone else to present, Scheduled Payment A payment that original check or a substitute check of that original check again for deposit has been scheduled through the Mobile Deposit service or by any other means with Xxxx Pay Service but has not begun processing. Scheduled Payment Date The day you want your Xxxxxx to receive your Xxxx Payment and in the Bank or any other financial institution. Mobile Deposit Funds Availability. There may be a delay between case of electronic payments is also the time a deposit is made and when it day your Xxxx Payment Account will be available for withdrawal. Business Days and Cut-off Time: Bank is open Monday through Friday excluding federal holidays. Check Images received and accepted for processing prior to 5:00 PM Central Time debited, unless the Scheduled Payment Date fall on a business day that Bank is open are considered received as of that day. Otherwise, the Check Images other than a Business Day in which case it will be considered the work of previous Business Day. Security Credentials The information we use to identify you when accessing your Accounts and the next business daye- Banking Services and may include, but is not limited to, User IDs, password, tokens, and challenge questions and answers. See additional information in the Funds Availability Policy. • Checks payable to any person or entity other than you (i.e., third party checks); • Checks payable jointly Security Credentials may be assigned to you by us or selected by you, and any may be updated from time to time. Text Messaging A process available to you as part of Mobile Banking that allows you to send andreceive messages related to your Accounts using your Mobile Device Third Party Account Information Information maintained online by other person (i.e. made out to 'Xxxx *and* Xxxx Xxx') deposited into a sole-owned account; • Checks containing alterations, illegible items, fraudulent checks, or checks that you should have known or have reason to believe were fraudulent; • Checks that are taken off an electronic screen such as a computer or mobile device; • Checks that have been previously deposited at another institution via physical item, image or electronic funds transfer; • Checks from financial institutions located outside of the United States; • Checks that are not payable and merchants/billers, with which you have customer relationships, maintain accounts or engage in U.S. dollars; • Checks that are more than six (6) months old (i.e. stalefinancial transactions and other log-dated); • Checks that are post-datedin related information. Transaction Account An internal or external Deposit Account in which you may make transfers or withdrawals. It generally includes a checking, or payable on a date in the future; • Remotely created checks (a check created by a merchant with a buyer's checking Account number on it, but without the buyer's original signature); • Travelers' checks and savings bonds; or • Non-negotiable instruments, such as promissory notes. Check Endorsements. You will endorse any check money market or other item submitted for direct deposit exactly as it was made payable to you. You warrant that all endorsements on items deposited to your Account are genuine. Any endorsement must be placed in the one-inch area starting at the left side on the back of an item and the remaining area on the back of the item may not contain any preprinted, stamped or handwritten information. If you fail to do this, you may be required to reimburse the Bank for losses incurred. For any check deposited as a Check Image through Mobile Deposit, you must endorse the check by signing or stamping the back and writing "FOR MOBILE DEPOSIT ONLY to Account #XXXXXXXXXX" or as otherwise instructed by the Bank before you take a picture of the check. In the absence of endorsement, you authorize the Bank to supply any missing endorsements if items are made payable to you or your order and you have not endorsed themaccount.