Common use of Permitted Mobile Banking Transfers Clause in Contracts

Permitted Mobile Banking Transfers. You may use the Service to transfer funds between your eligible Northeast Georgia Bank accounts ("Internal Transfer"). You may not transfer to or from an Account at another financial institution using Mobile Banking. If you submit your transfer request prior to the deadline established by us for Mobile Banking transfer service, you will initiate an immediate Internal Transfer via Mobile Banking. Transfer transaction requests received after 4:00 p.m. ET; and all transactions which are requested on Saturdays, Sundays, or holidays on which the Bank chooses to remain closed, will be processed on the Bank's next business day. You must have sufficient funds available in the selected account at the time the transfer request is received, including any available overdraft protection. We may process transfers that exceed your available balance at our sole discretion, although the only balance that we display on mobile banking is your available balance without the available overdraft protection. If we process the transfer and unless your overdraft protection is provided via an Overdraft Line of Credit, you agree to cover any overdraft amount plus any applicable fees. You may also be charged Non-Sufficient Funds (“NSF”) fees, if there are insufficient funds in your Bill Payment Services account(s), whether is utilized or not . You may also be charged stop payment fees for any stop payment originated through our Services. You may also be charged penalty fees for any excessive transactions on Money Market or Savings accounts, pursuant to your account agreements. You may be charged NSF or Overdraft fees for any paper item presented and paid on your behalf as a result of an action or transaction using our Bill Payment Services, if said action or transaction is presented against an account containing insufficient funds. You may also be charged an overdraft fee if the overdraft is created by in-person withdrawal, ATM withdrawal, the return of items deposited unpaid, the deposit of items not immediately available, or other electronic transactions such as POS, Internet Banking transfer or Bill Payment transactions. Refer to the current Fee Schedule for the amounts of these charges and other fees that may apply. We may also limit the type, frequency and amount of transfers for security purposes and may change or impose the limits without notice, at our option. You agree to confirm the completion of each transfer in your account balance and transaction history before withdrawing transferred funds.

Permitted Mobile Banking Transfers. 1. Transactions using the Mobile Banking Services are subject to the terms and limitations disclosed in the Membership and Account Agreement, Electronic Funds Transfer Agreement and Disclosure (for consumer accounts), Account Rate and Fee Disclosures, and your loan agreements. You may should review those and other Membership Agreements, Account Agreements other related agreements and fee schedules for any applicable fees, for limitations on the number of transactions you can make, liability rules for electronic fund transfers, and for other restrictions that might impact your use the Service to transfer funds between your eligible Northeast Georgia Bank accounts ("Internal Transfer")of an account with Mobile Banking Services. 2. You may not transfer to or from an Account at another financial institution using Mobile Banking. If you submit your transfer request prior withdrawal up to the deadline established by us for Mobile Banking transfer service, you will initiate an immediate Internal Transfer via Mobile Banking. Transfer transaction requests received after 4:00 p.m. ET; and all transactions which are requested on Saturdays, Sundays, or holidays on which the Bank chooses to remain closed, will be processed on the Bank's next business day. You must have sufficient funds available balance in the selected your account at the time of the transfer request is receivedtransfer, including except as limited under this Agreement or your deposit or loan agreements. 3. The Credit Union reserves the right to refuse any available overdraft protectiontransaction that would draw upon insufficient or unavailable funds, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. We The Credit Union may process transfers that exceed your available balance at our sole discretion, although the only balance that we display on mobile banking is your available balance without the available overdraft protection. If we process the Credit Union processes the transfer and unless your overdraft protection is provided via an Overdraft Line of Credit, you agree to cover any overdraft amount plus any applicable fees. 4. You The Credit Union may also be charged Non-Sufficient Funds (“NSF”) fees, if there are insufficient funds in your Bill Payment Services account(s), whether is utilized or not . You may also be charged stop payment fees for any stop payment originated through our Services. You may also be charged penalty fees for any excessive transactions on Money Market or Savings accounts, pursuant to your account agreements. You may be charged NSF or Overdraft fees for any paper item presented and paid on your behalf as a result of an action or transaction using our Bill Payment Services, if said action or transaction is presented against an account containing insufficient funds. You may also be charged an overdraft fee if the overdraft is created by in-person withdrawal, ATM withdrawal, the return of items deposited unpaid, the deposit of items not immediately available, or other electronic transactions such as POS, Internet Banking transfer or Bill Payment transactions. Refer to the current Fee Schedule for the amounts of these charges and other fees that may apply. We may also limit the type, frequency and amount of transfers for security purposes and may change or impose the security limits without notice, at our the Credit Union’s option. 5. You agree to confirm the completion of each transfer in your account balance and transaction history before withdrawing transferred funds. 6. You represent and agree to the following by enrolling for Mobile Banking Services or by using the Services: (a) You represent that you are the legal owner of the accounts and other financial information which may be accessed via the Mobile Banking Services. (b) You represent and agree that all information you provide to us in connection with Mobile Banking is accurate, current and complete, and that you have the right to provide such information to us for the purpose of using Mobile Banking Services. (c) You agree not to misrepresent your identity or your account information. accurate. (d) You agree to keep your account information up to date and (e) You represent that you are an authorized user of the Device you will use to access the Mobile Banking Services. 7. You agree to take every precaution to ensure the safety, security and integrity of your account and transactions when using Mobile Banking Services. You agree not to leave your Device unattended while logged into Mobile Banking 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 Mobile Banking 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. 8. We make no representation that any content or use of Mobile Banking Services is available for use in locations outside of the United States. Accessing the Mobile Banking Services from locations outside of the United States is at your own risk.

Permitted Mobile Banking Transfers. You may use the Service to transfer funds between your eligible Northeast Georgia C US Bank accounts account ("“Internal Transfer"”). You may not transfer to or from an Account at another financial institution using Mobile Banking. If you submit You may use this Service to make payments to your transfer request prior to the deadline established by us for Mobile Banking transfer service, you will initiate an immediate Internal Transfer via Mobile Banking. Transfer transaction requests received after 4:00 p.m. ET; and all transactions which are requested on Saturdays, Sundays, or holidays on which the Bank chooses to remain closed, will be processed on the Bank's next business dayexisting payees through online xxxx payment. You must have sufficient funds available in the selected account at the time the transfer request is received, including any available overdraft protection. We may process transfers that exceed your available balance at our sole discretion, although the only balance that we display on mobile banking is your available balance without the available overdraft protection. If we process the transfer and unless your overdraft protection is provided via an Overdraft Line of Credit, you agree this service may access any available Bounce Protection limit and fees may be accessed and you agree to cover any overdraft amount plus any applicable fees. You Federal regulations require financial institutions to limit the way withdrawals may also be charged Non-Sufficient Funds (“NSF”) feesmade from a savings or money market account. Each transfer from a savings or money market account using Mobile Banking is counted as one of the six limited transactions permitted each monthly statement cycle period, if there are insufficient funds as described in your Bill Payment Services account(s), whether is utilized or not . You may also be charged stop payment fees for any stop payment originated through our Services. You may also be charged penalty fees for any excessive transactions on Money Market or Savings accounts, pursuant to your account agreementsthe Deposit Account Agreement and Disclosures. You may be charged NSF subject to fees or Overdraft fees for account conversion if you exceed the transactions limits of your Account using Mobile Banking or any paper item presented other methods outlined in your Deposit Account Agreement and paid on your behalf as a result of an action or transaction using our Bill Payment Services, if said action or transaction is presented against an account containing insufficient funds. You may also be charged an overdraft fee if the overdraft is created by in-person withdrawal, ATM withdrawal, the return of items deposited unpaid, the deposit of items not immediately available, or other electronic transactions such as POS, Internet Banking transfer or Bill Payment transactions. Refer to the current Fee Schedule for the amounts of these charges and other fees that may applyDisclosures. We may also limit the type, frequency and amount of transfers for security purposes and may change or impose the limits without notice, at our option. You agree to confirm the completion of each transfer in your account balance and transaction history before withdrawing transferred funds. V. Your Responsibilities You represent and agree to the following by enrolling for Mobile Banking or by using this service: A. Account Ownership/Accurate Information. You represent that you are the legal owner of the Accounts and other financial information which may be accessed via Mobile Banking. You represent and agree that all information you provide to us in connection with Mobile Banking is accurate, current and complete, and that you have the right to provide such information to us for the purpose of using Mobile Banking. You agree not to misrepresent your identity or your account information. You agree to keep your account information up to date and accurate. You represent that you are an authorized user of the Device you will use to access Mobile Banking. B. User Security You agree to take every precaution to ensure the safety, security and integrity of your account and transactions when using Mobile Banking. You agree not to leave your Device unattended while logged into Mobile Banking 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 Mobile Banking, 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. C. User Conduct. You agree not to use Mobile Banking or the content or information delivered through Mobile Banking in any way that would: (a) infringe any third-party copyright, patent, trademark, trade secret or other proprietary rights or rights of privacy including any rights in the Software; (b) be fraudulent or involve the sale of counterfeit or stolen items, including, but not limited to, use of Mobile Banking to impersonate another person or entity; (c) violate any law, statue, ordinance or regulation (including, but not limited to, those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising); (d) be false, misleading or inaccurate; (e) create liability for us or our affiliates or service providers, or cause us to lose (in whole or part) the services of any of our service providers; (f) be defamatory, trade libelous, unlawfully harassing; (g) potentially be perceived as illegal, offensive or objectionable; (h) interfere with or disrupt computer networks connected to Mobile Banking;(i) interfere with or disrupt the use of Mobile Banking by any other user; or (j) use Mobile Banking in such a manner as to gain unauthorized entry or access to the computer systems of others. D. No Commercial Use or Re-Sale. You agree that the Service is only for the personal or business use of individuals authorized to access your account information. You agree not to make any commercial use of Mobile Banking or resell, lease, rent or distribute access to Mobile Banking. E.

Permitted Mobile Banking Transfers. You may use the Service to transfer funds between your eligible Northeast Georgia CUSB Bank accounts account ("“Internal Transfer"”). You may not transfer to or from an Account at another financial institution using Mobile Banking. If you submit You may use this Service to make payments to your transfer request prior to the deadline established by us for Mobile Banking transfer service, you will initiate an immediate Internal Transfer via Mobile Banking. Transfer transaction requests received after 4:00 p.m. ET; and all transactions which are requested on Saturdays, Sundays, or holidays on which the Bank chooses to remain closed, will be processed on the Bank's next business dayexisting payees through online xxxx payment. You must have sufficient funds available in the selected account at the time the transfer request is received, including any available overdraft protection. We may process transfers that exceed your available balance at our sole discretion, although the only balance that we display on mobile banking is your available balance without the available overdraft protection. If we process the transfer and unless your overdraft protection is provided via an Overdraft Line of Credit, you agree this service may access any available Bounce Protection limit and fees may be accessed and you agree to cover any overdraft amount plus any applicable fees. You Federal regulations require financial institutions to limit the way withdrawals may also be charged Non-Sufficient Funds (“NSF”) feesmade from a savings or money market account. Each transfer from a savings or money market account using Mobile Banking is counted as one of the six limited transactions permitted each monthly statement cycle period, if there are insufficient funds as described in your Bill Payment Services account(s), whether is utilized or not . You may also be charged stop payment fees for any stop payment originated through our Services. You may also be charged penalty fees for any excessive transactions on Money Market or Savings accounts, pursuant to your account agreementsthe Deposit Account Agreement and Disclosures. You may be charged NSF subject to fees or Overdraft fees for account conversion if you exceed the transactions limits of your Account using Mobile Banking or any paper item presented other methods outlined in your Deposit Account Agreement and paid on your behalf as a result of an action or transaction using our Bill Payment Services, if said action or transaction is presented against an account containing insufficient funds. You may also be charged an overdraft fee if the overdraft is created by in-person withdrawal, ATM withdrawal, the return of items deposited unpaid, the deposit of items not immediately available, or other electronic transactions such as POS, Internet Banking transfer or Bill Payment transactions. Refer to the current Fee Schedule for the amounts of these charges and other fees that may applyDisclosures. We may also limit the type, frequency and amount of transfers for security purposes and may change or impose the limits without notice, at our option. You agree to confirm the completion of each transfer in your account balance and transaction history before withdrawing transferred funds.