Common use of Receipt of Checks and Items; Crediting Clause in Contracts

Receipt of Checks and Items; Crediting. We reserve the right to reject any check or item transmitted through MDS, at our discretion, without liability to you. We are not responsible for checks or items we do not receive in accordance with this section or for images that are dropped or damaged during transmission. An image of a check or item shall be deemed received when you receive a confirmation from M&T that we have received the image. Receipt of such confirmation does not mean that the transmission was error free, able to be processed or complete or that funds will be credited for that check or item. As provided in the relevant deposit agreement governing your Mobile Deposit Account and the applicable M&T's funds availability policy, deposits received and accepted before a particular time of the day (the "Cutoff Time") on a Business Day are credited on the same day and deposits received and accepted after the Cutoff Time on a Business Day are credited on the next Business Day. M&T may establish later Cutoff Times for checks and items deposited via MDS, crediting your Mobile Deposit Account for such checks and items even if received and accepted after the applicable Cutoff Time specified in the relevant deposit account agreement governing your Mobile Deposit Account. In the event that M&T establishes later Cutoff Times for checks and items deposited via MDS, we reserve the right to change the Cutoff Times at any time as permitted by law. Regardless of whether M&T establishes later Cutoff Times for checks and items deposited via MDS, you understand and agree that checks and items must be received and accepted by M&T before the applicable Cutoff Time and must not be incomplete, illegible or erroneous to be eligible for same-day crediting. See the Frequently Asked Questions, or FAQs, at xxx.xxx/xxx-xxxxxxxxxXXXx for details on Cutoff Time for MDS.

Receipt of Checks and Items; Crediting. We reserve the right to reject any check or item transmitted through MDSthe Service, at our discretion, without liability to you. We are not responsible for checks or items we do not receive in accordance with this section Agreement or for images that are dropped or damaged during transmission. An image of a check or item shall be deemed received when you receive a confirmation from M&T Citizens that we have received the image. Receipt of such confirmation does not mean that the transmission was error free, able to be processed or complete or that funds will be credited for that check or item. As provided in the relevant deposit agreement governing your Mobile Remote Deposit Account and the applicable M&T's funds availability policysubject to Citizens Bank’s Availability Disclosure, deposits received and accepted before a particular time of the day (the "Cutoff Time"“cutoff time”) on a Business Day are credited on the same day and deposits received and accepted after the Cutoff Time cutoff time on a Business Day are credited on the next Business Day. M&T Citizens may establish later Cutoff Times cutoff times for checks and items deposited via MDSthe Service, crediting your Mobile Remote Deposit Account for such checks and items even if received and accepted after the applicable Cutoff Time cutoff time specified in the relevant deposit account agreement governing your Mobile Remote Deposit Account. In the event that M&T Citizens establishes later Cutoff Times cutoff times for checks and items deposited via MDSthe Service, we reserve the right to change the Cutoff Times cutoff times at any time as permitted by law. Regardless of whether M&T Citizens establishes later Cutoff Times cutoff times for checks and items deposited via MDSthe Service, you understand and agree that checks and items must be received and accepted by M&T Citizens before the applicable Cutoff Time cutoff time and must not be incomplete, illegible or erroneous to be eligible for same-day crediting. See the Frequently Asked Questions, or FAQs, at xxx.xxx/xxx-xxxxxxxxxXXXx Remote Deposit Anywhere Banking FAQs for details on Cutoff Time cutoff time for MDSthis Service. Provisional credit (memo-credit) will not be granted for deposits made through the Service. This means you will not be able to draw cash against deposits made through the service until the deposit has been posted to your account. Deposits made through the service are posted during our nightly processing. You enter the amount of the check as a deposit is made through the Service. If we determine that the check is for a different amount, we may adjust the check amount and notify you of the adjustment. At all times, the check will be deposited for the amount read by us.

Receipt of Checks and Items; Crediting. We reserve the right to reject any check or item transmitted through MDSthe Service, at our discretion, without liability to youyou or anyone else. We are not responsible for checks or items we do not receive in accordance with this section Addendum or for images that are dropped or damaged during transmission. An image of a check or item shall be deemed received when you receive a confirmation from M&T First National Bank of McMinnville that we have received the image. Receipt of such confirmation does not mean that the transmission was error free, able to be processed or complete or that funds will be credited for that check or item. As provided in the relevant deposit agreement governing your Mobile Deposit Account and the applicable M&T's funds availability policysubject to First National Bank of McMinnville’s Availability Disclosure, deposits received and accepted before a particular time of the day (the "“Cutoff Time"”) on a Business Day are credited on the same day and deposits received and accepted after the Cutoff Time on a Business Day are credited on the next Business Day. M&T may establish later First National Bank of McMinnville has established the Cutoff Times Time of 2:00 p.m. CST Monday through Friday for checks and items deposited via MDSthe Service, crediting your Mobile Deposit Account for such checks and items even if received and accepted after the applicable Cutoff Time specified in the relevant deposit account agreement governing your Mobile Deposit Account. In the event that M&T First National Bank of McMinnville establishes later Cutoff Times for checks and items deposited via MDSthe Service, we reserve the right to change the Cutoff Times at any time as permitted by law. Regardless of whether M&T First National Bank of McMinnville establishes later Cutoff Times for checks and items deposited via MDSthe Service, you understand and agree that checks and items must be received and accepted by M&T First National Bank of McMinnville before the applicable Cutoff Time and must not be incomplete, illegible or erroneous to be eligible for same-day crediting. See the Frequently Asked Questions, or FAQs, at xxx.xxx/xxx-xxxxxxxxxXXXx Mobile Deposit FAQs for details on Cutoff Time for MDSthis Service. Provisional credit (memo-credit) will not be granted for deposits made through the Service. This means you will not be able to draw cash against deposits made through the Service until the deposit has been posted to your account. Deposits made through the Service are posted during our nightly processing. Mobile Deposit Terms and Conditions.docx February 12, 2015 3 You enter the amount of the check as a deposit is made through the Service. If we determine that the check is for a different amount, we may adjust the check amount and notify you of the adjustment. At all times, the check will be deposited for the amount read by us.

Receipt of Checks and Items; Crediting. We reserve The Bank reserves the right to reject any check or item transmitted through MDSMobile Deposit, at our its discretion, without liability to you. We are The Bank is not responsible for checks or items we do the Bank does not receive in accordance with this section Addendum or for images that are dropped or damaged during transmission. An image of a check or item shall be deemed received when you receive a confirmation from M&T the Bank that we have the Bank has received the image. Receipt of such confirmation does not mean that the transmission was error free, able complete, or will be considered a deposit and credited to your account. The Bank reserves the right to charge back to your account at any time, any item subsequently determined to be processed an ineligible item. You agree that the Bank is not liable for any loss, costs, or complete or that funds will be credited for that check or fees you may incur as a result of our chargeback of an ineligible item. As provided in the relevant deposit agreement governing your Mobile Deposit Account deposit account and subject to the applicable M&T's funds availability policyBank’s Funds Availability Disclosure, deposits received and accepted before a particular time of the day (the "“Cutoff Time"”) on a Business Day are credited on the same day and deposits received and accepted after the Cutoff Time on a Business Day are credited on the next Business Day. M&T The Bank may establish earlier or later Cutoff Times for checks and items deposited via MDSMobile Deposit, crediting and may credit your Mobile Deposit Account connected deposit account for such checks and items even if received and accepted after the applicable Cutoff Time specified in the relevant deposit account agreement governing your Mobile Deposit Accountdeposit account. In the event that M&T the Bank establishes later Cutoff Times for checks and items deposited via MDSMobile Deposit, we reserve the Bank reserves the right to change the Cutoff Times at any time as permitted by law. Regardless of whether M&T the Bank establishes a later Cutoff Times Time for checks and items deposited via MDSMobile Deposit, you understand and agree that checks and items must be received and accepted by M&T the Bank before the applicable Cutoff Time and must not be incomplete, illegible or erroneous to be eligible for same-day crediting. See the Frequently Asked Questions, or FAQs, at xxx.xxx/xxx-xxxxxxxxxXXXx Bank’s Funds Availability Policy for details on Cutoff Time Times. Deposits made through the service are posted during our nightly processing. You enter the amount of the check as a deposit when made through Mobile Deposit. If the Bank determines that the check is for MDSa different amount than you entered, the Bank may adjust the check amount and notify you of the adjustment. At all times, the check will be deposited for the amount read by the Bank. Availability of Funds: The Bank will make funds available for checks and items received, accepted, and successfully processed through Mobile Deposit according to the Bank’s standard funds availability policy for your deposit account connected to Mobile Deposit, subject to terms regarding Cutoff Times above.

Receipt of Checks and Items; Crediting. We reserve The Bank reserves the right to reject any check or item transmitted through MDSMobile Deposit, at our its discretion, without liability to you. We are The Bank is not responsible for checks or items we do the Bank does not receive in accordance with this section Addendum or for images that are dropped or damaged during transmission. An image of a check or item shall be deemed received when you receive a confirmation from M&T the Bank that we have the Bank has received the image. Receipt of such confirmation does not mean that the transmission was error free, able complete, or will be considered a deposit and credited to your account. The Bank reserves the right to charge back to your account at any time, any item subsequently determined to be processed an ineligible item. You agree that the Bank is not liable for any loss, costs, or complete or that funds will be credited for that check or fees you may incur as a result of our chargeback of an ineligible item. As provided in the relevant deposit agreement governing your Mobile Deposit Account deposit account and subject to the applicable M&T's funds availability policyBank’s Funds Availability Disclosure, deposits received and accepted before a particular time of the day (the "“Cutoff Time"”) on a Business Day are normally credited on the same day and deposits that day. Xxxxxxxx received and accepted after the Cutoff Time on a Business Day (except Saturday) are reviewed and normally credited on the next Business Day. M&T Please see your confirmation email for specifics regarding your deposit. If the availability of the funds from your mobile deposit is delayed, you will be notified via mail, and these funds will be available after the hold expires. The Bank may establish earlier or later Cutoff Times for checks and items deposited via MDS, crediting your Mobile Deposit Account and may credit your connected deposit account for such checks and items even if received and accepted after the applicable Cutoff Time specified in the relevant deposit account agreement governing your Mobile Deposit Accountdeposit account. In the event that M&T the Bank establishes later Cutoff Times for checks and items deposited via MDSMobile Deposit, we reserve the Bank reserves the right to change the Cutoff Times at any time as permitted by law. Regardless of whether M&T the Bank establishes later Cutoff Times for checks and items deposited via MDSMobile Deposit, you understand and agree that checks and items must be received and accepted by M&T the Bank before the applicable Cutoff Time and must not be incomplete, illegible or erroneous to be eligible for same-day creditingcrediting the next business day. See the Frequently Asked Questions, or FAQs, at xxx.xxx/xxx-xxxxxxxxxXXXx Bank’s Funds Availability Policy for details on Cutoff Time Times. Provisional credit (memo-credit) may be granted for MDSdeposits made through Mobile Deposit. You enter the amount of the check when you make a deposit through Mobile Deposit. If the Bank determines that the check is for a different amount than you entered, the Bank may adjust the check amount and notify you of the adjustment. At all times, the check will be deposited for the amount read by the Bank.

Receipt of Checks and Items; Crediting. We reserve the right to reject any check or item transmitted through MDSthe Service, at our discretion, without liability to youyou or anyone else. We are not responsible for checks or items we do not receive in accordance with this section Addendum or for images that are dropped or damaged during transmission. An image of a check or item shall be deemed received when you receive a confirmation from M&T Xxxxxx Bank & Trust that we have received the image. Receipt of such confirmation does not mean that the transmission was error free, able to be processed or complete or that funds will be credited for that check or item. As provided in the relevant deposit agreement governing your Mobile Deposit Account and the applicable M&T's funds availability policysubject to Xxxxxx Bank & Trust’s Availability Disclosure, deposits received and accepted before a particular time of the day (the "“Cutoff Time"”) on a Business Day are credited on the same day and deposits received and accepted after the Cutoff Time on a Business Day are credited on the next Business Day. M&T may establish later Xxxxxx Bank & Trust has established the Cutoff Times Time of 6:00 p.m. CST Monday through Friday for checks and items deposited via MDSthe Service, crediting your Mobile Deposit Account for such checks and items even if received and accepted after the applicable Cutoff Time specified in the relevant deposit account agreement governing your Mobile Deposit Account. Deposits made during the first 30 days following the enrollment of the service will be suspended and reviewed and the funds may not be available for immediate withdrawal. In the event that M&T Xxxxxx Bank & Trust establishes later Cutoff Times for checks and items deposited via MDSthe Service, we reserve the right to change the Cutoff Times at any time as permitted by law. Regardless of whether M&T Xxxxxx Bank & Trust establishes later Cutoff Times for checks and items deposited via MDSthe Service, you understand and agree that checks and items must be received and accepted by M&T Xxxxxx Bank & Trust before the applicable Cutoff Time and must not be incomplete, illegible or erroneous to be eligible for same-day crediting. See the Frequently Asked Questions, or FAQs, at xxx.xxx/xxx-xxxxxxxxxXXXx Mobile Deposit FAQs for details on Cutoff Time for MDSthis Service. Provisional credit (memo-credit) will not be granted for deposits made through the Service. This means you will not be able to draw cash against deposits made through the Service until the deposit has been posted to your account. Deposits made through the Service are posted during our nightly processing. You enter the amount of the check as a deposit is made through the Service. If we determine that the check is for a different amount, we may adjust the check amount and notify you of the adjustment. At all times, the check will be deposited for the amount read by us.

Receipt of Checks and Items; Crediting. We reserve The Bank reserves the right to reject any check or item transmitted through MDSMobile Deposit, at our its discretion, without liability to you. We are The Bank is not responsible for checks or items we do the Bank does not receive in accordance with this section Addendum or for images that are dropped or damaged during transmission. An image of a check or item shall be deemed received when you receive a confirmation from M&T the Bank that we have the Bank has received the image. Receipt of such confirmation does not mean that the transmission was error free, able complete, or will be considered a deposit and credited to your account. The Bank reserves the right to charge back to your account at any time, any item subsequently determined to be processed an ineligible item. You agree that the Bank is not liable for any loss, costs, or complete or that funds will be credited for that check or fees you may incur as a result of our chargeback of an ineligible item. As provided in the relevant deposit agreement governing your Mobile Deposit Account deposit account and subject to the applicable M&T's funds availability policyBank’s Funds Availability Disclosure, deposits received and accepted before a particular time of the day (the "“Cutoff Time"”) on a Business Day are normally credited on the same day and deposits next Business Day. Xxxxxxxx received and accepted after the Cutoff Time on a Business Day are credited reviewed on the next Business Day and are normally credited on the following Business Day. M&T If the availability of the funds from your mobile deposit is delayed, you will be notified via mail, and these funds will be available after the hold expires. The Bank may establish earlier or later Cutoff Times for checks and items deposited via MDSMobile Deposit, crediting and may credit your Mobile Deposit Account connected deposit account for such checks and items even if received and accepted after the applicable Cutoff Time specified in the relevant deposit account agreement governing your Mobile Deposit Accountdeposit account. In the event that M&T the Bank establishes later Cutoff Times for checks and items deposited via MDSMobile Deposit, we reserve the Bank reserves the right to change the Cutoff Times at any time as permitted by law. Regardless of whether M&T the Bank establishes later Cutoff Times for checks and items deposited via MDSMobile Deposit, you understand and agree that checks and items must be received and accepted by M&T the Bank before the applicable Cutoff Time and must not be incomplete, illegible or erroneous to be eligible for same-day creditingcrediting the next business day. See the Frequently Asked Questions, or FAQs, at xxx.xxx/xxx-xxxxxxxxxXXXx Bank’s Funds Availability Policy for details on Cutoff Time Times. Provisional credit (memo-credit) may be granted for MDSdeposits made through Mobile Deposit. You enter the amount of the check as a deposit is made through Mobile Deposit. If the Bank determines that the check is for a different amount than you entered, the Bank may adjust the check amount and notify you of the adjustment. At all times, the check will be deposited for the amount read by the Bank.

Receipt of Checks and Items; Crediting. We reserve the right to reject any check or item Item transmitted through MDSthe Service, at our discretion, without liability to you. We are not responsible for checks or items Items we do not receive in accordance with this section Agreement or for images that are dropped or damaged during transmission. An image of a check or item Item shall be deemed received when you receive a confirmation from M&T the Bank that we have received the image. Receipt of such confirmation does not mean that the transmission was error free, able to be processed or complete or that funds will be credited for that check or item. As provided in the relevant deposit agreement governing your Mobile Deposit Account and subject to the applicable M&T's funds availability policyBank’s Availability Disclosure, deposits received and accepted before a particular time of the day (the "“Cutoff Time"”) on a Business Day are credited on the same day and deposits received and accepted after the Cutoff Time on a Business Day are credited on the next Business Day. M&T The Bank may establish later Cutoff Times for checks and items Items deposited via MDSthe Service, crediting your Mobile Deposit Account for such checks and items Items even if received and accepted after the applicable Cutoff Time specified in the relevant deposit account agreement governing your Mobile Deposit Account. In the event that M&T the Bank establishes later Cutoff Times for checks and items Items deposited via MDSthe Service, we reserve the right to change the Cutoff Times at any time as permitted by law. Regardless of whether M&T the Bank establishes later Cutoff Times for checks and items Items deposited via MDSthe Service, you understand and agree that checks and items Items must be received and accepted by M&T the Bank before the applicable Cutoff Time and must not be incomplete, illegible or erroneous to be eligible for same-day crediting. See the Frequently Asked Questions, or FAQs, at xxx.xxx/xxx-xxxxxxxxxXXXx Mobile Banking FAQs for details on Cutoff Time for MDSthis Service. Provisional credit (memo-credit) will not be granted for deposits made through the Service. This means you will not be able to draw cash against deposits made through the service until the deposit has been posted to your account. Deposits made through the service are posted during our nightly processing. You enter the amount of the check as a deposit is made through the Service. If we determine that the check is for a different amount, we may adjust the check amount and notify you of the adjustment. At all times, the check will be deposited for the amount read by us.

Receipt of Checks and Items; Crediting. We reserve the right to reject any check or item transmitted through MDSthe Service, at our discretion, without liability to youyou or anyone else. We are not responsible for checks or items that we do not receive in accordance with this section Addendum or for images that are dropped or damaged during transmission. An image of a check or item shall be deemed received when you receive a confirmation from M&T Essex Bank that we have received the image. Receipt of such confirmation does not mean that the transmission was error free, able to be processed or complete or that funds will be credited for that check or item. As provided in the relevant deposit agreement governing your Mobile Deposit Account and the applicable M&T's funds availability policysubject to Essex Bank’s Funds Availability Disclosure, deposits received and accepted before a particular time of the day (the "“Cutoff Time"”) on a Business Day are credited on the same day and deposits received and accepted after the Cutoff Time on a Business Day are credited on the next Business Day. M&T Essex Bank may establish later Cutoff Times for checks and items deposited via MDSthe Service, crediting your Mobile Deposit Account for such checks and items even if received and accepted after the applicable Cutoff Time specified in the relevant deposit account agreement governing your Mobile Deposit Account. In the event that M&T Essex Bank establishes later Cutoff Times for checks and items deposited via MDSthe Service, we reserve the right to change the Cutoff Times at any time as permitted by law. Regardless of whether M&T Essex Bank establishes later Cutoff Times for checks and items deposited via MDSthe Service, you understand and agree that checks and items must be received and accepted by M&T Essex Bank before the applicable Cutoff Time and must not be incomplete, illegible or erroneous to be eligible for same-day crediting. (See the Frequently Asked Questions, or FAQs, at xxx.xxx/xxx-xxxxxxxxxXXXx eBank Mobile Deposit FAQs for details on Cutoff Time for MDSthis Service.) Provisional credit (memo-credit) will not be granted for deposits made through the Service. This means that you will not be able to draw cash against deposits made through the Service until the deposit has been posted to your account. Deposits made through the Service are posted during our nightly processing. You enter the amount of the check as a deposit is made through the Service. If we determine that the check is for a different amount, we may adjust the check amount and notify you of the adjustment. At all times, the check will be deposited for the amount read by us.