Common use of Mobile Check Deposit Clause in Contracts

Mobile Check Deposit. To the extent the Services include functionality enabling you to present an image of a legal representation, as defined by federal law, of a negotiable instrument ("check") to be deposited into your American Bank checking or savings account electronically ("MCD Services"), the following supplemental terms and conditions shall also apply: i. You must only use current Software made available by American Bank through designated channels. ii. You are responsible for all the data submitted through the MCD Services, which must accurately represent the information on the original check(s). iii. You agree that the electronic image of the item submitted to the American Bank, as defined by federal law, is a legal representation of the check for all purposes, including return check processing. iv. You may experience technical or other difficulties when using the MCD Services, and neither American Bank nor Provider assumes any liability for any technical or other difficulties you encounter. v. American Bank and Provider reserve the right to change, suspend, or revoke services immediately and at any time without prior notice to you. In the event this Service is not available to you, you acknowledge that you can attempt to deposit a check at an American Bank branch location, through a participating ATM, or by mail. vi. Only American Bank checking and savings accounts are eligible for the MCD Services. vii. American Bank may charge a usage fee for MCD Services and reserve the right to start charging for MCD Services at any time. viii. If an item you transmit for deposit is dishonored, rejected, or otherwise returned unpaid, you agree that American Bank may charge back the amount of the return to the account the check was initially deposited to and assess a fee in the amount shown on American Bank's current Schedule of Fees and Charges for a returned check. If there are not sufficient funds in your account to cover the amount of the returned check, the account will be overdrawn, and you will be responsible for payment. American Bank may debit any account maintained by you to obtain payment of your obligations under these Mobile Banking User Terms. ix. You acknowledge that wireless providers may assess or impose fees, limitations, or restrictions. You agree that you are solely responsible for all such fees, limitations, and restrictions, and that American Bank may contact you via your wireless device for any purpose concerning your banking relationship with us, including, but not limited to, account servicing and collection purposes. x. You agree to scan and deposit only "checks" as defined in Federal Reserve Regulation CC, Availability of Funds and Collection of Checks. xi. You agree that you will not use the MCD Service to scan and deposit any ineligible or duplicate items. xii. You agree to endorse all items with your signature and print "For Mobile Deposit Only" on all items. American Bank reserves the right to reject all items that are not endorsed as specified. xiii. When using the MCD Service to deposit funds, such deposits are limited to the American Bank defined deposit segments and associated limits. xiv. American Bank reserves the right to reject any item transmitted through the MCD Service, at its discretion. American Bank is not liable for items you do not receive or images that are not transmitted completely. An image is considered received when you are presented with a confirmation screen after submitting a check for deposit. You acknowledge and agree that such notification does not mean that the transmission was without error. xv. Once an item is reviewed and approved, your account will be credited. Checks deposited before 5:00 pm CST on a Business Day, the Bank will consider that the deposit date. Checks deposited after 5:00 pm CST on a Business Day, weekend, or a state or federal holiday, the next Business Day will be the deposit date. xvi. You agree to retain each item submitted for deposit through the MCD Services for 30 days after your funds have been posted to your account. Upon receipt of these funds, you agree to mark the item prominently as "Void," and you agree to store each retained item in a secured locked container until such proper disposal is performed. You will promptly provide any retained item to American Bank as requested to aid in the clearing and collection process or to resolve claims by third parties with respect to any item. After 30 days, you agree to dispose of the item(s) in a way that prevents re-presentment for payment(i.e., shredding).

Mobile Check Deposit. To the extent the Services include functionality enabling you to present an image of a legal representation, as defined by federal law, of a negotiable instrument ("check") to be deposited into your American Resource Bank checking or savings account electronically ("MCD Services"), the following supplemental terms and conditions shall also apply: i. You must only use current Software made available by American Resource Bank through designated channels. ii. You are responsible for all the data submitted through the MCD Services, which must accurately represent the information on the original check(s)) information. iii. You agree that the electronic image of the item submitted to the American Resource Bank, as defined by federal law, is a legal representation of the check for all purposes, including return check processing. iv. You may experience technical or other difficulties when using the MCD Services, and neither American Resource Bank nor Provider assumes any liability for any technical or other difficulties you encounter. v. American Resource Bank and Provider reserve the right to change, suspend, or revoke services immediately and at any time without prior notice to you. In the event If this Service is not available unavailable to you, you acknowledge that you can attempt to deposit a check at an American a Resource Bank branch location, through a participating ATM, or by mail. vi. Only American Resource Bank checking and savings accounts are eligible for the MCD Services. vii. American Resource Bank may charge a usage fee for MCD Services and reserve the right to start charging for MCD Services at any time. viii. If an item you transmit for deposit is dishonored, rejected, or otherwise returned unpaid, you agree that American Resource Bank may charge back the amount of the return to the account the check was initially deposited to and assess a fee in the amount shown on American Resource Bank's current Fee Schedule of Fees and Charges for a returned check. If there are not sufficient insufficient funds in your account to cover the amount of the returned check, the account will be overdrawn, and you will be responsible for payment. American Resource Bank may debit any account maintained by you maintain to obtain payment of your obligations under these Mobile Banking User Terms. ix. You acknowledge that wireless providers may assess or impose fees, limitations, or restrictions. You agree that you are solely responsible for all such fees, limitations, and restrictions, restrictions and that American Resource Bank may contact you via your wireless device for any purpose concerning your banking relationship with us, including, but not limited to, account servicing and collection purposes. x. You agree to scan and deposit only "checks" as defined in Federal Reserve Regulation CC, Availability of Funds and Collection of Checks. xi. You agree that you will not to use the MCD Service to scan and deposit any ineligible or duplicate items. xii. You agree to endorse all items with your signature and print "For RB Mobile Deposit Only" on all items. American Resource Bank reserves the right to reject all items that are not endorsed as specified. xiii. When using the MCD Service to deposit funds, such deposits are limited to the American Resource Bank defined deposit segments and associated limits. xiv. American Resource Bank reserves the right to reject any item transmitted through the MCD Service, Service at its discretion. American Resource Bank is not liable for items you do not receive or images that are not transmitted completely. An image is considered received when you are presented with a confirmation screen after submitting a check for deposit. You acknowledge and agree that such notification does not mean that the transmission was without error-free. xv. Once an item is reviewed and approved, your account will be creditedcredited according to the business date of deposit. Checks If checks are deposited before 5:00 pm CST on a Business Day, the Bank will consider that the deposit date. Checks If checks are deposited after 5:00 pm CST on a Business Day, weekend, or a state or federal holiday, the next Business Day will be the deposit date. xvi. You agree to retain each item submitted for deposit through the MCD Services Service for 30 14 days after your funds have been posted to your account. Upon receipt of these funds, you agree to mark the item prominently as "Void," and you agree to store each retained item in a secured locked container until such proper disposal is performed. You will promptly provide any retained item to American Resource Bank as requested to aid in the clearing and collection process or to resolve claims by third parties with respect to concerning any item. After 30 14 days, you agree to dispose of the item(s) in a way that prevents re-presentment for payment(i.e.payment (i.e., shredding).

Mobile Check Deposit. To the extent the Services include functionality enabling you to present an image of a legal representation, as defined by federal law, of a negotiable instrument ("check") to be deposited into your American Resource Bank checking or savings account electronically ("MCD Services"), the following supplemental terms and conditions shall also apply: i. You must only use current Software made available by American Resource Bank through designated channels. ii. You are responsible for all the data submitted through the MCD Services, which must accurately represent the information on the original check(s)) information. iiiii. You agree that the electronic image of the item submitted to the American Resource Bank, as defined by federal law, is a legal representation of the check for all purposes, including return check processing. iviii. You may experience technical or other difficulties when using the MCD Services, and neither American Resource Bank nor Provider assumes any liability for any technical or other difficulties you encounter. v. American iv. Resource Bank and Provider reserve the right to change, suspend, or revoke services immediately and at any time without prior notice to you. In the event If this Service is not available unavailable to you, you acknowledge that you can attempt to deposit a check at an American a Resource Bank branch location, through a participating ATM, or by mail. vi. v. Only American Resource Bank checking and savings accounts are eligible for the MCD Services. viivi. American Resource Bank may charge a usage fee for MCD Services and reserve the right to start charging for MCD Services at any time. . viii. If an item you transmit for deposit is dishonored, rejected, or otherwise returned unpaid, you agree that American Resource Bank may charge back the amount of the return to the account the check was initially deposited to and assess a fee in the amount shown on American Resource Bank's current Fee Schedule of Fees and Charges for a returned check. If there are not sufficient insufficient funds in your account to cover the amount of the returned check, the account will be overdrawn, and you will be responsible for payment. American Resource Bank may debit any account maintained by you maintain to obtain payment of your obligations under these Mobile Banking User Terms. ixvii. You acknowledge that wireless providers may assess or impose fees, limitations, or restrictions. You agree that you are solely responsible for all such fees, limitations, and restrictions, restrictions and that American Resource Bank may contact you via your wireless device for any purpose concerning your banking relationship with us, including, but not limited to, account servicing and collection purposes. x. viii. You agree to scan and deposit only "checks" as defined in Federal Reserve Regulation CC, Availability of Funds and Collection of Checks. xiix. You agree that you will not to use the MCD Service to scan and deposit any ineligible or duplicate items. xii. x. You agree to endorse all items with your signature and print "For RB Mobile Deposit Only" on all items. American Resource Bank reserves the right to reject all items that are not endorsed as specified. xiiixi. When using the MCD Service to deposit funds, such deposits are limited to the American Resource Bank defined deposit segments and associated limits. xivxii. American Resource Bank reserves the right to reject any item transmitted through the MCD Service, Service at its discretion. American Resource Bank is not liable for items you do not receive or images that are not transmitted completely. An image is considered received when you are presented with a confirmation screen after submitting a check for deposit. You acknowledge and agree that such notification does not mean that the transmission was without error-free. xvxiii. Once an item is reviewed and approved, your account will be creditedcredited according to the business date of deposit. Checks If checks are deposited before 5:00 pm CST on a Business Day, the Bank will consider that the deposit date. Checks If checks are deposited after 5:00 pm CST on a Business Day, weekend, or a state or federal holiday, the next Business Day will be the deposit date. . xvi. You agree to retain each item submitted for deposit through the MCD Services Service for 30 14 days after your funds have been posted to your account. Upon receipt of these funds, you agree to mark the item prominently as "Void," and you agree to store each retained item in a secured locked container until such proper disposal is performed. You will promptly provide any retained item to American Resource Bank as requested to aid in the clearing and collection process or to resolve claims by third parties with respect to concerning any item. After 30 14 days, you agree to dispose of the item(s) in a way that prevents re-presentment for payment(i.e.payment (i.e., shredding).