Online Banking Terms of Use

ONLINE BANKING, MOBILE BANKING AND BILL PAY DISCLOSURE AND AGREEMENT

Terms and Conditions

Notice and Consent regarding Electronic Communications, Online Banking, Mobile Banking and Bill Pay

You have requested Online Banking, Mobile Banking, and/or Bill Pay (Service). We are required by Law to provide certain information to you when you sign up for the Service. We require that you receive that information electronically in order to enroll for the Service. 

In addition, while you are a subscriber to the Service, there may be other disclosures, notices, or other communications we are required to give you pursuant to Law, depending on the circumstances. This includes any notice we are required to provide pursuant to Law if we make changes to the Service, as well as any responses we are required to provide to you if you assert that an error or unauthorized transaction has occurred in connection with the Service. In order to continue enjoying the benefits of the Service, we require that you be willing to receive any disclosure, notice, or other communication required pursuant to Law electronically.

If we provide a disclosure, notice, or other communication to you electronically that we are required to provide to you, upon request, we will provide a paper copy to you at no additional cost.

Withdrawing Consent to Electronic Delivery
You may provide us notice that you are no longer willing to accept this information electronically. If you withdraw your consent, your subscription to the Service may be terminated automatically. If you wish to withdraw your consent, you may do so by contacting Chambers Bank at P.O. Box 609, Danville, AR 72833; 1-800-603-1226; or email at customer.service@chambers.bank.

Consent and Acknowledgement
This consent applies to the Service and any accounts, which you register to use with the Service. By signing this agreement, you are acknowledging receipt of this notice and are agreeing to accept the disclosures, terms and conditions, and other information electronically as described above and accepting the following:

  • Acknowledging receipt of the Notice and Consent regarding Electronic Communications, Online Banking, Mobile Banking and Bill Pay;
  • Confirming you are able to access and retain this information provided electronically;
  • Consenting to receipt of the disclosures and other information electronically as described above and herein, and;
  • Agreeing to the Terms and Conditions for Online Banking, Mobile Banking and Bill Pay.

This Agreement and Disclosure (“Agreement”) contains important information and guidelines for using Online Banking, Mobile Banking and Bill Pay. You should read all of the information contained herein. These are the current terms of your Agreement with Chambers Bank for accessing your accounts and making use of other services via Online Banking, Mobile Banking and Bill Pay. By using the Service, or authorizing others to use it, you agree to these terms. Chambers Bank may amend these terms from time to time. You will be notified of any amendments that affect your rights or obligations. Each of your accounts at Chambers Bank, which are accessed by the Service, continue to be governed by the applicable Account Agreement and Terms and Conditions, State and Federal Regulations relating to Deposit Accounts, Electronic Fund Transfer Agreement and Disclosures, and the Schedule of Fees.

Definition of Terms
As used in this Agreement, the following words have the meanings given below:

  • Agreement: These terms and conditions of the Service and each Customer who has enrolled for the Service, together with any person who is authorized by a Customer to access the Service
  • APP: A self-contained piece of software designed to run on an Apple or Android device
  • Authorized Users: Any person who has actual, implied or apparent authority, access device or documentation that enables such a person to access, withdraw, make transactions to or from accounts, or to use any of the Service. This includes without limitation all users acting under a written document such as a Power of Attorney as well as any person or entity that is authorized to make deposits or debits to or from your account(s) with us.
  • Browser: Software application used to access content on the Internet (i.e. Microsoft Edge or Internet Explorer, Mozilla Firefox, Apple Safari, Google Chrome, etc.)
  • Business Day: Monday through Friday, except Federal Holidays
  • Initiation Day: The day you initiate a bill for payment
  • Bill Pay: Bill Pay service that is accessed through Online Banking and Mobile Banking
  • Law: Federal or State Law and Regulation applicable to the Service
  • Payee: The approved individual, merchant or institution you wish to pay using Bill Pay
  • Payment: Instructions for a transfer of funds to a Payee whether by electronic transfer or check
  • Payment Processing Day: Monday through Friday, except Federal Holidays, whether we process your Payment by electronic transfer or check
  • Out of Wallet Questions: Refers to your private data used to authenticate your activities in Online Banking, Mobile Banking and Bill Pay (i.e., Security or Challenge Questions)
  • Checking Account: The account designated for Bill Pay transactions
  • Service(s): Online Banking, Mobile Banking and Bill Pay
  • SSL: Secure Socket Layer (A standard security technology for establishing an encrypted link between your access device and the service.  SSL allows sensitive information to be transmitted securely)
  • Transaction Account: A checking account owned by a customer
  • User ID, Passcode, PIN (Chambers Bank access code assigned or selected by you)
  • WAP (Web App): An application utilizing a web browser on various smart devices
  • We, Us, Our and Bank: Chambers Bank
  • You, Your, Customer, Depositor, and Account Holder: Each person who applies to the Service(s)

 

Computer Equipment and Software

Online Banking
You will need computer, hardware and software sufficient to enable you to access the Internet. You will need to have an Internet service provider, a browser that is SSL compliant with (at least) 128-bit encryption (i.e., Microsoft Edge, Microsoft Internet Explorer 11*, Mozilla Firefox 48, Apple Safari 8, Google Chrome 53 or newer versions) and a currently supported version of Adobe Acrobat Reader.  Cookies and JavaScript must be enabled in the browser options.  You will need to maintain a printer capable of printing or the ability to electronically save and visually display this disclosure and any other disclosures or notices provided by Chambers Bank on their website or emailed to you.  You understand that Chambers Bank recommends that you retain or print a copy of any disclosure or notice including this Notice and Consent.

*Should not be used in compatibility mode

Mobile Banking
Apple Devices i.e., Phone 3GS or higher or iPad 2, 3, 4, and iPad mini

Android Devices i.e., Smartphones with the Android 2.2 Operating System or greater, Android Tablets, No “Small Screen” support

Other Devices i.e., Smart device with browser, Most current or commonly used versions of Firefox, Chrome or Internet Explorer

You are responsible for the installation, maintenance, and operation of the computer and browser software. The risk of error, failure, or non-performance is your risk and includes the risk that you do not operate the computer and software properly. We are not responsible for any loss, damage or injury, whether caused by your equipment or software, the services, or any technical or editorial errors contained in or omissions from any user guide related to the services. We will not be responsible for any direct, indirect, special or consequential damages arising in any way out of the installation, use or maintenance of your equipment, software or the services, except where the law requires a different standard.

Unavailable, Delayed, or Inaccurate Account Information
The Bank strives to provide complete, accurate, and timely account information through the Service. However, unless otherwise required by Law, we will not be liable to you if any such information is unavailable, delayed, or inaccurate. With respect to electronic funds transfer problems, such as unauthorized transfers or the bank’s failure to properly complete authorized transfers, the extent of our liability is described in this Agreement.

New Services
We may, from time to time, introduce new services or enhance the existing services. We will notify you when these new or enhanced Services are available. By using these services when they become available, you agree that they will be governed by these Terms, Conditions, and Disclosures as well as any additional terms, conditions, and disclosures we provide to you.

Signing Up for Online Banking, Mobile Banking and Bill Pay
To use these services, you must have an account with Chambers Bank that is in good standing.

Passcodes and Personal Identification Numbers (PINs)
We are committed to the security of our Customer’s accounts and account information. However, you must also take every precaution to ensure the safety, security, and integrity of your accounts and transactions provided on the Service. Your User ID, Passcode, Personal Identification Number (PIN), or Out-of-Wallet Questions allows access to your accounts and other services provided herein; providing this information to another person effectively constitutes a grant of authority to access your accounts for all purposes including without limit, under the Electronic Funds Transfer Act and Regulation E; such authorization shall continue until you have notified in writing that such person is not authorized to act with regard to your accounts and the Service.

User ID, Passcode, PIN, and Out-of-Wallet Questions are reasonable and are designed to authenticate your transactions and those transactions, which you authorize others to conduct for you. You agree that you will not disclose, and will prevent the disclosure of your User ID, Passcode, PIN, and Out-of-Wallet Questions. If the confidentiality of your User ID, Passcode, PIN, or Out-of-Wallet Questions is compromised you shall notify us immediately by calling 1-800-603-1226. In the event your User ID, Passcode, PIN, or Out-of-Wallet Questions has been compromised, you will be required to establish a new code(s). You assume sole responsibility for maintaining your User ID, Passcode, PIN, and Out-of-Wallet Questions.

Online Banking Services

  • View account balances
  • View loan and account histories
  • Transfer money within your accounts at Chambers Bank
  • View paid checks
  • View deposits made to your account(s)
  • Download copies of paid checks
  • Download account history to Quicken or Microsoft Money

Mobile Banking

  • View account balances
  • View loan and account histories
  • Transfer money within your accounts at Chambers Bank
  • View paid checks
  • View deposits made to your account(s)

Bill Pay with Online Banking

  • Create and edit lists of payees to receive payments.
  • Schedule payments of your bills. You select the payment amount and processing date for each payment. Payments will be deducted from your checking account.
  • Use the Pending Payments feature to verify that payment information you have entered is correct, make any required corrections, or cancel a payment. Pending Payments cannot be used to correct or cancel a payment that has already been sent. Once a payment has been sent, it will no longer appear on the Pending Payments screen. Payments not on the pending screen cannot be stopped.
  • View Payment History to review payments over a specific time period, not to exceed 90 (ninety) days.

Bill Pay with Mobile Banking

  • Schedule payments of your bills. You select the payment amount and processing date for each payment.
  • View Payment History to review payments over a specific time period, not to exceed 90 (ninety) days.

Restrictions and Fees on Transfer from Certain Deposit Accounts
Each transfer through the Service from a savings or money market account is counted as one of the limited transactions permitted each statement-cycle period i.e. 6 (six) per month for savings and money markets accounts, as described in the “Account Agreement”, “Terms and Conditions”, and “Rate and Fee Schedule”. Transfers are not permitted to or from Certificates of Deposits, IRA Certificates, or IRA Savings.

Disclosure of Account Information
We will disclose information to third parties about your account or the transactions you make: where it is necessary or helpful for completing a transaction; in order to verify the existence and condition of your account for a third party, such as a credit bureau or payee; in order to comply with reporting or other legal requirements (including, for example, legal process); if you give us your permission; and as otherwise permitted by Law.

Your Liability for Unauthorized Transfers
If you believe your User ID and Passcode have been lost or stolen, you should request Chambers Bank change your Passcode immediately. As a customer using the Service(s), you agree that the Bank may respond to you in writing with regard to any claim, error, unauthorized electronic funds transfer or any question related to the Services.

Notice to Consumer Accounts:  In Case of Errors or Questions About Your Electronic Transfers Telephone us at 1-800-603-1226; write us at Chambers Bank, P.O. 609, Danville, AR 72833; or email us at customer.service@chambers.bank as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

  • Tell us your name and account number (if any).
  • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  • Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

For errors involving new accounts, point-of-sale, or foreign- initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Termination of the Services
You may, by written request, terminate the Services provided for in this Disclosure and Agreement. We may terminate your use of the Services at any time upon written notice. We may also terminate your use of the Services, without written notice, in the event you breach any of the aforementioned Accountholder’s Warranties or otherwise use, or allow anyone else to use, this Service in a manner that may, in our judgement, be abusive, illegal, or unsafe and unsound.  In the event of termination of the Services, you will remain liable for all transactions performed on your Account.

Customer Service Information
Questions regarding the Service(s) should be directed to Chambers Bank, Online Banking Customer Service at 1-800-603-1226 during business hours. Mail may also be sent to Chambers Bank, P.O. Box 609, Danville, AR 72833, or you may email us at customer.service@chambers.bank.

Periodic Account Statements
All payments and transactions made via the Services will be listed on your periodic account statement that you receive from Chambers Bank.

Fees and Charges
Fees and Charges are outlined in the Chambers Bank Schedule of Fees and the Electronic Fund Transfer Disclosure.

Service Availability
The Service is generally available any time, day or night, seven days a week, by signing on to the Service and entering your User ID and Passcode.

The Service may be unavailable from time to time for scheduled maintenance. There may also be unscheduled down time, but we will work to minimize such interruptions in Service.

Electronic Mail
Regular Electronic Mail (email) communications may not be secure. We, therefore, request that you do not send us or ask for sensitive information (account number, social security number, passcode, personal identification number or “PIN”, etc.) via any email system.  If you wish to contact us regarding sensitive information, please call us at 1-800-603-1226 or write us at Chambers Bank, P.O. Box 609, Danville, AR 72833.

You agree that Chambers Bank may respond to you by use of phone or written correspondence with regard to any matter related to the Service, including responding to any claim of unauthorized electronic funds transfer.

Bill Pay Agreement/Disclosure

This is your Bill Pay Agreement with Chambers Bank.

You may use Chambers Bank’s bill paying service, “Bill Pay”, to direct Chambers Bank to make payments from your designated account to the “Payees” you choose in accordance with this agreement. The terms and conditions of this agreement are in addition to the account agreements, terms and conditions, disclosures and other documents in effect from time to time governing your account (The Account Rules).

You authorize us to use a third-party service to provide the Service to you on our behalf.

Payment of taxes or court directed payments via the Service is prohibited.

Funds will arrive at your targeted payee as close as reasonably possible to the date designated by you in your payment instruction (Payment Date). Subject to the Terms, Conditions, and Disclosures set forth in this Agreement, you authorize us, and any third party acting on our behalf, to choose the most effective method to process your payment, including without limitation, electronic, paper or other means.

The Payment Date indicated by you must always be a business day (as previously defined). If it is not, the Payment Date will be deemed to be the first business day following the date indicated.

Unless you receive a completion notice that the transaction was accepted successfully, we will not be liable for any failure to make a payment, including any finance charges or late fees incurred as a result. Your Payment Date should always be on or before the Payee Due Date, not the Late Date or Grace Period. Since the time for us to process your payment varies according to the particular payee, you must become familiar with the payment processing time for each payee you desire to pay, allowing the appropriate number of business days between the days you input your payment instruction and the Payment Date. Subject to the limitation discussed below, if you follow the procedures described in the agreement for payments, and you are assessed a penalty or late charge, we will reimburse you for that late charge or penalty up to a maximum of fifty dollars ($50.00). We will not be liable with regard to any Deposit Account or the Service, for instance, if: through no fault of ours, you do not have enough available funds in your Deposit Account to make the payment or transfer or the payment or transfer would exceed permitted overdraft protection or limits established for Service you have with us; circumstances beyond our control (such as fire, flood, water damage, power failure, strike, labor dispute, computer breakdown, telephone line disruption, or a natural disaster) prevent or delay the transaction despite reasonable precautions taken by us; your computer, the telephone lines, or the Bank’s computer systems were not working properly or were temporarily unavailable, and this problem should have been apparent to you when you attempted the transfer or; the funds in your Deposit Account are subject to legal process, an uncollected funds hold, or are otherwise not available for withdrawal; the information supplied by you or a third party involving the Deposit Account, Payment or Transfer, is incorrect, incomplete, or untimely; we have a reasonable basis for believing that unauthorized use of your User ID, Passcode, or PIN, or account has occurred or may be occurring; the payee does not process a Payment promptly or correctly, or for any other reason specified in this Agreement.

You agree the amount of any individual Payment may not exceed $10,000.00 or $2,000.00 for Expedited Payments, and the overall amount of bills/Payments made per day may not exceed $20,000.00.  You agree to allow at least 6 (six) Business Days between the Initiation Day, if the Payment will be completed by check, and the Payment due date or date you wish the payee to receive the Payment. You must allow at least 3 (three) Business Days between the Initiation Day you schedule a Payment to be initiated, if the Payment will be completed by electronic transfer, and the Payment due date or date you wish the Payee to receive the Payment.

In the event that you do not comply with the terms and conditions set forth in this Agreement, or in the event that your payment instruction is not made in time for us to process your payment prior to the Due Date required by a particular Payee, you will be liable for all penalties and late fees imposed, and we will not be liable for any such penalties or fees.

Without limiting the foregoing, the Bank shall also not be liable for late charges, interest, penalties, or other amounts incurred by any depositor for the depositor’s failure to allow sufficient time for processing and delivery of any payment(s) so long as the Bank has complied with the provisions of this Agreement.

Unless otherwise required by Law, the Bank will not be liable to you under any circumstances for special, indirect, or consequential damages, including, without limitation, lost profits or attorneys’ fees, even if we are advised in advance of the possibility of such damages.

We reserve the right to refuse to make any payment, but will notify you of any such refusal within two (2) business days following receipt of your payment instructions.

Under no circumstances will we be liable if we are unable to complete any payments initiated in a timely manner via the Services because of the existence of any one or more of the following:

  • You have closed the designated Account, or have been removed as a joint owner;
  • We have identified you as a credit risk and have chosen to initiate your payments by using a paper check rather than electronic payment remittance;
  • Due to mismanagement of the Account, we have terminated your subscription to the Service; and/or
  • You have not provided us with the correct information for those payees to whom you wish to direct payment.

In the event we are unable to process a Bill Pay check or electronic payment due to insufficient funds, the transaction will result as an Insufficient Funds. In such event, we will charge all related service fees to you. In the event of repetitive Insufficient Funds, we reserve the right to suspend your subscription to the Service. This suspension may be without prior notice to you. If your subscription is suspended, transactions that were previously initiated may still continue to be processed unless cancelled and confirmation of such cancellation is provided. The decision to suspend Service is determined by Chambers Bank and all inquiries and correspondence relating thereto, including requests for reinstatement, should be directed to Chambers Bank. If your Service is suspended, we will notify you by mail at your address on file.

Chambers Bank is under no obligation to notify you if it does not complete a transfer because there are insufficient funds in your account to process a transaction. In all cases, you are responsible for either making alternate arrangements for the transfer or for rescheduling the transfer through the Service.

With respect to any negative balance caused by honoring either a paper or electronic payment, you agree to reimburse us immediately after notice is sent to you, for any funds we have already paid to one or more of your designated Payees which we were unable to recover by debit to the Payee.

If you do not pay any amount owed to us when due, we have the right and you agree to pay interest on the unpaid balance at the rate of 10% per annum (or the maximum rate allowed by applicable law if less). In the event that your claim or debt has to be referred to a third party for collection, you agree, to the extent permitted by Law, to pay all costs and fees incurred in collecting the outstanding balances, including reasonable attorney fees and court costs.

Fees and Charges
Fees and Charges are outlined in the Chambers Bank Schedule of Fees and the Electronic Fund Transfer Disclosure.  Other Service Fees may apply for certain transactions. These fees will be listed before you confirm your transaction.

Termination of the Services
You may, by written request, terminate the Services provided for in this Disclosure and Agreement. We may terminate your use of the Services at any time upon written notice. We may also terminate your use of the Services, without written notice, in the event you breach any of the aforementioned Accountholder’s Warranties or otherwise use, or allow anyone else to use, this Service in a manner that may, in our judgement, be abusive, illegal, or unsafe and unsound.  In the event of termination of the Services, you will remain liable for all transactions performed on your Account.

MOBILE CHECK DEPOSIT SERVICES TERMS AND CONDITIONS

Service and Service Terms
The following terms and conditions apply to Mobile Check Deposit (Service) that the Bank may provide to Customer. Customer accepts and agrees that the Service or any portion of the Service may be provided by one or more third-party providers. The provisions of Chambers Bank’s “Terms and Conditions of Your Account” agreement and applicable service terms are incorporated into this Agreement by reference. In case of any conflict between this Agreement and your other agreements with Chambers Bank, specific provisions regarding mobile check deposit capture services in this Agreement control over general provisions. In this Agreement, “Institution”, “Bank”, and “we/us/our” refer to Chambers Bank, including our agents and service providers, and “Customer/you/your/yourself” refer to the Customer accepting this Agreement.

Use of the Services
An account has to be open for ninety (90) days in order to be eligible for Mobile Check Deposit Services.  Following receipt of our notification approving your use of the Services, you are authorized by us to remotely deposit paper checks you receive to your account with us (the “Account”) by electronically transmitting a digital image of the paper checks to us for deposit. Your use of the Services constitutes your acceptance of the terms and conditions of this Disclosure, Terms and Conditions, and Agreement. You agree to comply with the hardware and software requirements set forth in the Computer Equipment and Software section of our ONLINE BANKING, MOBILE BANKING AND BILL PAY DISCLOSURE AND AGREEMENT.

Upon receipt of the digital image, we will review the image for acceptability. You understand and agree that receipt of an image does not occur until after we notify you of receipt of the image via onscreen messaging and/or email notification. You understand that, in the event you receive a notification from us confirming receipt of an image, such notification does not mean that the image contains no errors or that we are responsible for any information you transmit to us. We are not responsible for any image that we do not receive. Following receipt of the image, we may process the image by preparing a “substitute check” or clearing the item as an image. Notwithstanding anything to the contrary, we reserve the right, within our sole and absolute discretion, to accept or reject any item for mobile deposit into your Account. You understand that any amount credited to your Account for items deposited using the Services is a provisional credit, and you agree to indemnify us against any loss we suffer because of our acceptance of the mobile deposited check.

In addition, you agree that you will not: (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or Service, (ii) copy or reproduce all or any part of the technology or Service; or (iii) interfere, or attempt to interfere, with the technology or Service.

Guarantee Specific to Deposits Received for Credit to a Business Account

Your use of the Services for the purpose of depositing to a Business Account constitutes your understanding and agreement that you may be personally liable for any expenses Chambers Bank incurs in attempting to obtain final payment for the item in question, outside of the routine costs associated with item processing, in the event of a default by the Business. This includes, but is not limited, to recovery of the amount credited in the event of non-payment, collection costs and attorney’s fees as applicable, as well as any and all costs associated with Chambers Bank enforcing this Guarantee. This Guarantee shall benefit Chambers Bank and its successors and assigns.

Storage of Original Checks
You must securely store each original check. If you are using the Service to deposit items into an account in the name of a Business to which you are a party you understand this means the original check(s) must be accessible only by my authorized personnel, that you deposit using the Services for a period of 45 days after transmission to us. Persons who have access to the stored checks must be fully bondable and have passed a thorough screening. After such period expires, you will destroy the original check. You understand and agree that you are responsible for any loss caused by your failure to secure the original checks.

Compliance with Law
You agree to use the products and Service for lawful purposes and in compliance with all applicable laws, rules and regulations, as well as all laws pertaining to the conduct of your business if applicable. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. You promise to indemnify and hold us harmless from any damages, liabilities, costs, expenses (including attorneys’ fees) or other harm arising out of any violation thereof. This indemnity will survive termination of my Account and this Agreement.

Check Requirements
Any image of a check that you transmit to us must accurately and legibly provide all the information on the front and back of the check at the time presented to you by the drawer. Prior to capturing the original check, you will indorse the back of the original check. Your indorsement must include your signature, the Account Number of the Eligible Account, AND the printed notation “For Mobile Deposit Only”. The image of the check transmitted to us must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any indorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute (“ANSI”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association.

Rejection of Deposit
We are not liable for any service or late charges levied against you due to our rejection of any item. In all cases, you are responsible for any loss or overdraft plus any applicable fees to your Account due to an item being returned.

Items Returned Unpaid
A written notice will be sent to you of transactions we are unable to process because of returned items. With respect to any item that you transmit to us for mobile deposit that we credit to your Account, in the event such item is dishonored, you authorize us to debit the amount of such item from the Account.

Email Address
You agree to notify us immediately if you change your email address, as this is the email address where we will send you notification of receipt of mobile deposit items.  You may do so by calling us at 1-800-603-1226, writing to Chambers Bank, P.O. Box 609, Danville, AR 72833, email to customer.service@chambers.bank.

Unavailability of Services
You understand and agree that the Services may at time be temporarily unavailable due to Chambers Bank’s system maintenance or technical difficulties including those of the Internet service provider, cellular service provider and Internet software. In the event that the Services are unavailable, you acknowledge that you can deposit an original check at our branches or through our ATMs or by mailing the original check to us at: Chambers Bank, P.O. Box 609, Danville, AR 72833. It is your sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by us. However, we will email notification of items that are rejected by the next business day following rejection.

Business Day
Any day which the Bank is open to conduct substantially all of its services, but does not include Saturday, Sunday or Federal holidays.

Funds Availability
Any crediting of the Customer’s account for items deposited via this Service is provisional, subject to verification and final settlement. Any dishonored items will be returned as an image of the original or as a substitute check. Any dishonored item is subject to a fee according to the Bank’s Schedule of Fees at the time of the return.

Accountholder’s Warranties
You make the following warranties and representations with respect to each image of an original check you transmit to us utilizing the Services:

  1. Each image of a check transmitted to us is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check.
  2. The amount, the payee, signature(s), and endorsement(s) on the original check are legible, genuine, and accurate.
  3. You will not deposit or otherwise indorse to a third party the original item (the original check) and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the item (either the original item, or a paper or electronic representation of the original item) such that the person will be asked to make payment based on an item it has already paid.
  4. Other than the digital image of an original check that you remotely mobile deposit through our Services, there are no other duplicate images of the original check.
  5. You have instituted procedures to ensure that each original check was authorized by the drawer in the amount stated on the original check and to the payee stated on the original check.
  6. You are authorized to enforce each item transmitted or authorized to obtain payment of each item on behalf of a person entitled to enforce such transmitted item.
  7. The information you provided in your Application remains true and correct and, in the event any such information changes, you will immediately notify us of the change.
  8. You have not knowingly failed to communicate any material information to us.
  9. You have possession of each original check deposited using the Services and no party will submit the original check for payment.
  10. Files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems.

Securing Images on Mobile Devices
When using Mobile Check Deposit, you understand that check images captured using your mobile device are stored on the device only until the associated deposit has been successfully submitted. You agree to promptly complete each deposit. In the event that you are unable to promptly complete your deposit, you agree to ensure that your mobile device remains securely in your possession until the deposit has been completed or to delete the associated images from the application.

Accountholder’s Indemnification Obligation
You understand and agree that you are required to indemnify us and hold us harmless against any and all claims, actions, damages, liabilities, costs, and expenses, including reasonable attorneys’ fees and expenses arising from your use of the Services and/or breach of this Disclosure and Agreement. You understand and agree that this paragraph shall survive the termination of this Agreement.

In Case of Errors
In the event that you believe there has been an error with respect to any original check or image thereof transmitted to us for deposit or a breach of this Agreement, you will immediately contact us regarding such error or breach. We can be contacted by calling Chambers Bank at 1-800-603-1226 during business hours; by mail addressed to: Chambers Bank, P.O. Box 609, Danville, AR 72833; or by email at customer.service@chambers.bank.

Notice to Consumer Accounts:  In Case of Errors or Questions About Your Electronic Transfers, Telephone us at 1-800-603-1226; write us at Chambers Bank, P.O. 609, Danville, AR 72833; or email us at customer.service@chambers.bank as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

  • Tell us your name and account number (if any).
  • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  • Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

For errors involving new accounts, point-of-sale, or foreign- initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Limitation of Liability
You understand and agree that we are not responsible for any indirect, consequential, punitive, or special damages or damages attributable to your breach of this Disclosure and Agreement.

Charges for Use of the Services
There is currently no charge for Mobile Check Deposit.  Chambers Bank reserves the right to impose charges for the Service in the future.

Warranties
YOU UNDERSTAND THAT CHAMBERS BANK DOES NOT MAKE ANY WARRANTIES ON EQUIPMENT, HARDWARE, SOFTWARE OR INTERNET PROVIDER SERVICE, OR ANY PART OF THEM, EXPRESSED OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. CHAMBERS BANK IS NOT RESPONSIBLE FOR ANY LOSS, INJURY OR DAMAGES, WHETHER DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL, CAUSED BY THE INTERNET PROVIDER, ANY RELATED SOFTWARE, OR CHAMBERS BANK’S USE OF ANY OF THEM OR ARISING IN ANY WAY FROM THE INSTALLATION, USE, OR MAINTENANCE OF MY PERSONAL COMPUTER HARDWARE, MOBILE DEVICE, SOFTWARE, OR OTHER EQUIPMENT.

Change in Terms
We may change the terms and charges for the Services indicated in this Disclosure and Agreement by notifying you of such change in writing or email and may amend, modify, add to, or delete from this Disclosure and Agreement from time to time. Your use of the Services after receipt of notification of any change by us constitutes your acceptance of the change.

Termination of the Services
You may, by written request, terminate the Services provided for in this Disclosure and Agreement. We may terminate your use of the Services at any time upon written notice. We may also terminate your use of the Services, without written notice, in the event you breach any of the aforementioned Accountholder’s Warranties or otherwise use, or allow anyone else to use, this Service in a manner that may, in our judgment, be abusive, illegal, or unsafe and unsound.  In the event of termination of the Services, you will remain liable for all transactions performed on your Account.

Relationship to Other Disclosures
The information in these Disclosures applies only to the Services described herein. Provisions in other disclosure documents, as may be revised from time to time, remain effective for all other aspects of the Account.

Governing Law
You understand and agree that this Disclosure and Agreement and all questions relating to its validity, interpretation, performance, and enforcement shall be governed by and construed in accordance with the internal laws of the State of Arkansas, notwithstanding any conflict-of-laws doctrines of such state or other jurisdiction to the contrary. You also agree to submit to the personal jurisdiction of the courts of the State of Arkansas.

Periodic Account Statement
Any  Mobile Check Deposits made through the Services will be reflected on your periodic account statement. You understand and agree that you are required to notify us of any error relating to images transmitted using the Services by no later than 60 days after you receive the periodic account statement that includes any transaction you allege is erroneous. You are responsible for any errors that you fail to bring to our attention within such time period.

Limitations on Frequency and Dollar Amount
You understand and agree that you cannot exceed the limitations on frequency and dollar amounts of remote deposits that are set forth by us.  The amount of any individual transaction may not exceed $5,000.00 or $5,000.00 in total transactions per day.

Unacceptable Deposits
You understand and agree that you are not permitted to deposit the following items using the Services:

  • Any Federal or State government checks;
  • Any money orders;
  • Any cashier’s or official checks;
  • Any Traveler’s checks;
  • Any insurance drafts;
  • Any item payable to any person or entity other than yourself;
  • Any item drawn on one of your accounts or any account on which you have signing authority;
  • Any item drawn on your affiliate’s account;
  • Any item that is stamped with a “non-negotiable” watermark;
  • Any item that contains evidence of alteration to the information on the check;
  • Any item issued by a financial institution in a foreign country;
  • Any item not payable in United States currency;
  • Any item that is incomplete;
  • Any item that is “stale dated” or “postdated”; or
  • Savings Bonds

Confidentiality
You acknowledge and agree that confidential data relating to our Services, marketing, strategies, business operations and business systems (“Confidential Information”) may come into your possession in connection with this Disclosure and Agreement. You understand and agree that you are prohibited from disclosing and agree to maintain the confidentiality of our Confidential Information.

Waiver
The failure of either party to seek a redress for violation, or to insist upon the strict performance, of any covenant, agreement, provision, or condition hereof shall not constitute the waiver of the terms or of the terms of any other covenant, agreement, provision, or condition, and each party shall have all remedies provided herein with respect to any subsequent act which would have originally constituted the violation hereunder.

Relationship
This Disclosure and Agreement does not create, and shall not be construed to create, any joint venture or partnership between the parties. No officer, employee, agent, servant, or independent contractor of either party shall at any time be deemed to be an employee, servant, agent, or contractor of the other party for any purpose whatsoever.

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